If you collect a lot of information about zero interest rates, low daily payments, and interest-free installment car purchases, it will not be difficult for you to feel that you have a car in an instant. However, if you prepare to sign your name on the car loan contract in advance, but find that everything is a scam, here are a few examples to share your car buying experience with everyone.

1. A short story about buying a car with zero interest rate?

Li, who was born in the 1990s, accidentally noticed China Merchants Bank’s zero-interest car purchase plan when he was shopping. In addition, he was an old customer of China Merchants Bank’s credit card for eight years, and his credit limit was guaranteed to be 100,000. So, he considered using a credit card to buy a car. However, based on in-depth understanding, he found that credit card car purchases not only limited the car series, but also had to pay an installment fee that was no less than the car loan interest rate of financial companies. A scam from start to finish changes the definition.

2. Gaotian’s little story about buying a car?

When Hou Yanmou came downstairs from work, he accidentally noticed an advertisement for the BMW X1, which claimed that the daily payment was as low as 36 yuan. He only needed to save a cup of coffee every day, and it was easy to idealize the luxury car. So he campaigned for the purchase of a BMW 5 Series. But after careful consideration, he found that the daily payment of 36 yuan is 36 * 30 = 1080 yuan, and the annual payment is 1080 * 12 =.

3. Interest-free car loan story?

Li, who was born in the 1980s, found that many car stores had advertised interest-free car loans. Only by paying a down payment of RMB 30 can he drive the car home, and the other car purchase payments can be paid off in three years. Such a good thing was hard for him to talk about, so he slowly selected a car at the FAW 4S store and negotiated a price of 27,680 yuan. In addition, you can get 30,000 yuan free of charge by participating in group buying promotions, totaling 24,680 yuan. Depending on the car price, the maximum loan can be RMB 170,000. The loan is divided into 36 installments and the repayment for each installment is RMB 4,722.2. However, when the salesman took down the loan contract and Li was about to pay the down payment in full, he found that he had to pay a surcharge of 7,650 yuan, which was 4.5% of the loan amount. Li flatly refused to leave the store (the original text is original, cats see cars first, please mark the transfer).

So the next day, Li went to another car shop to buy a car. The live sales market shows that some cars are not only paid in installments, but it is not easy to pay additional fees. But when Li discovered that the store had already conducted annual event marketing, many cars had car purchase discounts ranging from RMB 10,000 to RMB 30,000. When he knew whether a car with an interest-free loan could have the same car purchase discount, the sales market planner had only one choice. After Li did the math, he found that many cars were paid in installments.

At the weekend, a reluctant Li stepped into the No. 3 Automobile Store again, and the on-site sales staff explained in detail. Nowadays, when buying a car, you have to go to the store to buy car beauty and skin care decoration designs, but the market price of the whole set of designs and decorations is 1,380 yuan, which is a super low price of 580 yuan. But if you choose to buy a car with an installment loan, you must purchase the car beauty and skin care decoration design according to the market price, which means an additional expenditure of 800 yuan.

In addition, it was also discovered that the 4S store car loan interest-free scam that Li Can came into contact with was divided into three techniques: hidden surcharges, strong sales, and promotion of themed cultural and sports activities. Everyone should pay special attention to this kind of insider information when buying a car.

4. A must-read for car loan installment purchases?

If you want to avoid the zero interest rate, daily low payment, installment payment and other scams set up by car 4S stores, and announce your entry into car loan installment bidding, you need to carefully deal with the traps in the following three stages:

First of all, when signing a car loan agreement, you need to sign a refund agreement to ensure that when the car purchase plan is idle due to unsuccessful loan disbursement, the car 4S store can refund the car purchase advance payment paid in advance;

Secondly , which is the repayment of the car loan. Borrowers are required to repay the loan in full and on time each month. Once there are overdue loans, personal credit records will be damaged, and many overdue loans will continue to be entrusted to cars again. Here, you not only have to pay off the loan in one lump sum, but also pay a high tax

Secondly, after the car loan is paid off, you need to go to the vehicle management office to go through the pre-sale registration procedures for the car. In addition, ask the credit company to dismantle the GPS positioning system to prevent your vehicle driving data from being still under the control of the credit company.

Related Q&A: Related Q&A: Why do 4S stores prefer not to charge interest but still persuade you to take out a loan to buy a car? What’s the trick?

A classmate who works as a sales manager in a 4S store told me: if you persuade a customer to take out a loan to buy a car, the salesperson will get a commission of about 1,000-3,000 yuan. The more expensive the car you choose, the more you borrow, and the salesperson will The higher the commission, they don’t care at all whether the customer can repay the loan on time every month! The 4S store would rather not charge interest but still persuade people to take out a loan to buy a car. There is a lot of trouble behind it! It’s easy for novice car owners to fall into the trap!

The reason why salespeople are always trying to persuade us to take out a loan to buy a car is because there are all kinds of interests involved, and it’s very tricky!

Actually, this is not about sales and service enthusiasm. For the sake of customers, this "loss-making" operation of sales and 4S stores is purposeful. The tricks behind it are very deep, and you will fall into the trap if you are not careful.

In 2013, my husband and I went to a 4S store to buy a car. We had a plan to buy a car from the beginning. At that time, my husband planned to buy a car like a Volkswagen Lavida or a Nissan Sylphy, which could cost around 100,000 yuan. In order to buy a car, we worked together to save money for three years, just to buy it all at once. Down.

On May Day, we went directly to the auto show with our bank cards and went straight to the Volkswagen and Nissan exhibition areas. However, what was speechless was that the Volkswagen Lavida actually had a "lower price" on the day of the auto show. The price is 6,500 yuan higher than the usual price in 4S stores, and the after-sales benefits and gifts promised to be free are all gone.

So, we had no choice but to go straight to the Nissan exhibition area. The salesperson was very enthusiastic and introduced us to the performance of the car. He even threw the car keys to us and told us to try the one we liked. drive.

We were very satisfied with the enthusiastic and professional service provided by the salesperson, and truly experienced the feeling of "the customer is God". When we expressed that we wanted to buy a Sylphy with full payment, the salesperson asked us why we didn’t choose to buy a car with a loan. Buying a car with full payment seemed like paying all the money at once, but in fact it was not cost-effective. After that, we talked a lot about buying a car with full payment. The disadvantages.

The salesperson told us that the Nissan Qashqai on display at the auto show today can be driven home directly with a 18.7 car loan down payment of only 90,000 yuan, and the rest will be paid in installments, with a monthly payment of 1 For more than a thousand yuan, you can also enjoy some discounts. Compared with paying full price for the Sylphy, it is simply a profit.

Just when we were hesitant, the salesperson said to us mysteriously: "It is fate that I met you today. If you apply for a loan to buy a Qashqai today, I can help you apply for an interest-free loan. But this opportunity is only for Qashqai, and it’s only available once. If you miss it, it’s gone.”

My husband was a little excited after hearing this. After all, Sylphy and Qashqai are still comparable in terms of appearance, car performance, and price. There is a big gap, and SUVs were popular in 2013. My husband also considered an SUV at first, but later gave up because it was much more expensive than a sedan. Now when I heard what the salesperson said, I was so excited that I happily went to apply for a loan with the salesperson without even bothering to discuss it with me.

I originally planned to buy a car for 100,000 yuan, but after being fooled by the salesperson, I ended up spending more than 80,000 yuan more. In fact, I was very unhappy with this result. The extra 80,000 yuan. More than enough to buy a used car. On the way home, my husband was very satisfied. He said frankly that he met a conscientious salesperson who not only worked tirelessly to apply for an interest-free loan for us, but also gave us many extra gifts and value-added services. This service is really a "five-star praise"!

Have we really made money? The 4S store is interest-free and gives gifts, isn’t it a loss? It wasn’t until many years later, when a classmate who was working as a salesperson in a 4S store told me the truth behind this, that I realized that there were too many tricks behind buying a car with a loan.

My classmates told me: This kind of seemingly losing operation actually makes more money than anyone else! Every time a customer is recommended to buy a car with a loan, the salesperson will get a commission of about 1,000-3,000 yuan. The more expensive the car is and the more loans are taken, the higher the salesperson’s commission will be. If the customer buys the car in full, the salesperson will get a commission of about 1,000-3,000 yuan. You won’t make a penny, and you may even be criticized by your boss.

Behind this seemingly enthusiastic service lies the vital interests of the salespersons. As for whether the customer can repay the loan on time every month, they don't care at all!

Today we will give you a brief introduction to this topic: the "tricks" behind the salesperson's willingness to persuade us to take out a loan to buy a car.

Reason 1: This is directly related to the salary and performance of the salesperson.

As the saying goes: If there is no benefit, you can’t afford it. If persuading a customer to take a loan to buy a car has nothing to do with sales, then no one will probably do so. After all, buying a car is a big deal, and some customers are averse to loans. If you try to persuade them, if you fail to do so, you will easily be criticized by the customer. Complaints affected sales.

Moreover, the loan procedures are very complicated. Not only do you need to go to a designated bank, but you also need to apply for a bank card or credit card from a designated bank. A lot of information needs to be filled in by the salesperson and the customer. The process is complicated. If you agree to help, Customers get interest-free loans, and sales have to negotiate with the bank.

So this is a thankless thing. Once the explanation is not in place or the handling is not in place, you will face the risk of being complained.

But now that the industry is in recession and competition among peers is high, 4S stores cannot make much money simply by selling cars, unless you sell luxury cars worth more than a few million.

So, 4S stores join forces with financial institutions and insurance companies to use 4S stores as an intermediate bridge. The 4S stores recommend customers to buy cars with loans and collect profits from them.

Most of the financial service fees are 3% of the car owner's loan amount. For example, for a car worth 100,000 yuan, the 4S store can get a profit of 3,000 yuan. Afterwards, the bank will give the 4S store a rebate of 3% of the loan amount. That is 3,000 yuan. If the car owner takes out insurance at the 4S store, the 4S store can receive part of the rebate from the insurance company. The overall extra income for the 4S store is quite a lot.

If the 4S store is profitable, then the salespersons in the store will be asked to work harder and let more customers borrow money to buy cars. The more loans they get, the more money they will get. In order to encourage the salespersons, 4S The store will definitely provide a certain reward mechanism, so the sales staff will work hard to persuade customers for high wages and performance bonuses.

Reason 2: Allow customers to spend money elsewhere through loans.

From the perspective of loans, neither 4S stores nor financial institutions can make money, especially when 4S stores launch preferential policies of 0 down payment and 0 interest, this is of course a problem for customers. Earn.

This kind of behavior that seems like 4S stores are losing money to pay for customers is exactly what they want. Only in this way can customers be "seduce" customers to consume in other aspects step by step, such as after-sales service or some additional conditions.

You must know that if the customer agrees to the additional conditions of buying a car from the 4S store, it will really be a "win" for them. Just like getting a license plate, the car owner will just go to the vehicle management office to get the license plate. It costs more than 100 yuan to get it done, but it costs 3,000 or 4,000 yuan to get the license plate in a 4S store. You can imagine how much moisture there is.

In short, the so-called interest-free loan is a complete package for customers. The interest waived will be made up elsewhere, or even more. In any case, it is a profit for the 4S store. .

Reason three: This is actually a way for banks and 4S stores to join forces to catch big fish in the long run.

We all know that you need to go to the bank for a loan. You need to fill in a lot of personal information and submit it to the bank and 4S store. After the bank approves it, it will grant you a loan to buy a car. Since you want the loan to be successful, The 4S store needs to deal with it, and the 4S store will also record the customer's personal information when helping the customer apply for a loan to buy a car.

In the future, customers will always use the bank's credit card regardless of repayment or otherwise, and they will become valued customers of the bank. For example, when we bought a car, we directly applied for a China Construction Bank credit card. China Construction Bank was very enthusiastic and applied for a gold card with a limit of 50,000 yuan. Now the car loan has been paid off, but the credit card has not been cancelled. To this day, While you are still using it, will you still receive some promotional information from the bank?

The bank can collect a fee from this group of credit card customers, such as annual fees or SMS service fees, interest, etc. At the same time, these credit card customers may also introduce some new customers to the bank in the future. , so this is really a long-term way to catch big fish.

Is it more cost-effective to buy a car with a loan or to buy a car with full payment?

Full payment or loan is a common question. Some people think that buying a car with a loan is more "shameful" and not as "domineering" as getting the full payment at once, so they scrape together the full amount just to save face. Buy a car.

But for some people who don’t have much budget, buying a car with a loan becomes a good choice. Of course, different economic conditions will naturally lead to different choices when facing this problem. So for novices, how should they choose?

Today I would like to briefly share with you the advantages and disadvantages of buying a car with full payment and buying a car with a loan. You can use it as a reference.

1. The benefits of buying a car with a loan.

The biggest advantage of taking a loan to buy a car is that it can share family pressure. Buying a car is not like buying groceries. The cheapest car costs tens of thousands of yuan, which is not a small amount of money for ordinary families. Many people even have to struggle for a long time to buy a car, and some may not be able to afford a car in their lifetime.

In the 1980s, it was really remarkable for anyone to own a Santana. Around 1985, a Santana cost more than 200,000 yuan, which is worth tens of millions according to current calculations.

So in many people’s minds, buying a car is something that “ten thousand-yuan households” do, and ordinary families dare not even think about it.

But now there are more and more types and brands of cars, and there is even some oversupply, so 4S stores have introduced a way to buy cars with loans. This method is a good idea for some young people who have just entered the society. Nice form of payment. Many young people who have just entered the society want to buy a car, but their budget is not large. At this time, through installment payment, they can buy their favorite car and relieve the stress.

At the same time, in order to encourage customers to buy cars through loans, many 4S stores will provide many preferential benefits and gifts to attract customers, such as free car washing services for one year and free car seat accessories. , Complimentary after-sales maintenance services, etc. These gifts are not a small sum if you spend them yourself, but now you can "take" them home for free. Therefore, for families with average financial conditions, buying a car with a loan is indeed a good choice.

2. Disadvantages of buying a car with a loan.

The disadvantage of buying a car with a loan is that there are many "traps" and "routines". Novice car owners can easily fall into the pit dug by salesmen if they are not careful.

For example, taking a loan to buy a car requires many complicated procedures. The first step is to choose a reliable financial institution to handle the loan. When applying for the loan, we need to provide relevant personal information, especially for those who want to buy a car in another place. To get a loan to buy a car, you need to go back to your place of residence to issue various supporting documents, which is generally quite troublesome.

Secondly, there may be some hidden charges when buying a car with a loan, such as some financial service fees. The higher the price of the car, the higher the handling fee. Some 4S stores are handling loans to buy a car. We will not tell you other restrictions beforehand. Once you apply for a loan, the 4S store may say: you must buy commercial insurance in the 4S store during the repayment period; you may not be able to enjoy other discounts in the store at the same time; you cannot enjoy special car prices when buying a car with a loan. , can only be purchased at original price.

Therefore, it is recommended that you ask these things clearly before applying for a loan and keep evidence to prevent the 4S store from regretting it.

In addition, buying a car with a loan may also increase the debt ratio. The record of buying a car with a loan will be reflected in the personal credit report. Once the car loan is not paid off or there is an overdue record, then your Your credit record will be directly affected. Moreover, some financial institutions need to withhold the green copy before lending, and will only return it after the car loan is fully paid off.

3. The advantages of buying a car in full.

The biggest advantage of buying a car in full is that it is "fast". After you have chosen a car and you feel there are no problems after a test drive, you can directly pay the full price and you can take delivery of the car in about 2 or 3 days. I drove away; but buying a car with a loan requires a loan process, so it takes a long time to pick up the car.

Although buying a car with full payment requires a large amount of money at one time, it can save a lot of money compared with taking out a loan. Because buying a car with a loan requires you to pay a lot of additional fees, such as loan fees, bank interest, various commercial insurances that sell "forced sales", etc., but buying a car with full payment does not require these. You pay all the fees at once, and then you can There will be no unnecessary cost disputes with 4S stores.

Different 4S stores launch different activities. Some 4S stores also welcome customers to buy cars with full payment, and even launch some immediate cash discount activities. Overall, customers can save a lot of money. .

4. Disadvantages of buying a car in full.

There are also some disadvantages to buying a car outright. For example, the car owner will be under great pressure. If you plan to buy a car worth around 200,000 to 300,000 yuan, you may have to struggle for a long time to get the money to buy the car. , or you may ask relatives and friends to borrow money to buy a car, which invisibly puts a certain amount of financial pressure on the family.

Secondly, future after-sales service may not be taken seriously after buying the car in full. After all, there is no "loan" when buying the car, which may make some salespeople unhappy, and then they will naturally treat you later. The service is also not caring. When there is a problem with the car and the 4S store needs maintenance, it will be "shirked" in various ways.

Conclusion.

To sum up, the biggest reason why the 4S store sales staff enthusiastically persuaded us to take out a loan to buy a car is because of their performance appraisal and salary.

Although taking a loan to buy a car can reduce family pressure, for those who do not have self-control and self-discipline, if they cannot guarantee that they will repay the car loan on time every month, it is best to pay in full. When buying a car, don’t take out a loan.

Therefore, once a car loan has an overdue record, it will directly affect your personal credit score and have negative consequences for your future life.