1. Is it necessary to install a GPS positioning system after buying a car loan?
There is no rigid requirement to install a GPS when buying a car with a loan.
bank staff all said that there are many ways to buy a car by loan, including mortgage loan for buying a car, or installment by credit card, but no matter which way to buy a car, they will review whether the collateral or personal qualifications provided by the car buyer meet the standards as a means of risk control of lending, and will never ask the car buyer to install GPS. The 4S shop staff said that installing GPS was required by the bank, but it was forced to sell GPS at a high price under the guise of the bank to maximize profits.
regarding the improper practices of 4S stores, lawyers said that compulsory tying violated consumers' right to choose independently, which was illegal. China's "Consumer Protection of the People's Republic of China" stipulates: "When purchasing goods or receiving services, consumers have the right to obtain fair trading conditions such as quality assurance, reasonable price and correct measurement, and have the right to refuse the compulsory trading behavior of operators." Therefore, once the legitimate rights and interests of car buyers are damaged, they can complain to 12315 for settlement.
second, is it necessary to install a gps positioning system when buying a car with a loan?
It is not necessary to install a GPS positioning system when buying a car with a loan.
there is no problem whether to install gps or not. If one party forces the installation, the following matters should be paid attention to when buying a car:
1. Pay attention to the details that are easily overlooked by dealers, such as delivery time, maintenance, repair and other after-sales services;
whether the delivery time is equal or not;
Free maintenance is based on time or mileage. Pay attention to the above.
2. Tying insurance is illegal. Car buyers have the right to choose what kind of insurance to buy except car damage insurance and third party liability stipulated by the state.
3. Terms of the car purchase contract
(1) The car brand, engine number, frame number and other necessary elements of the car itself should be clearly stipulated.
(2) the price, which should specify the vehicle), payment method and time limit.
(3) the delivery method and time limit of the vehicle.
(4) Quality and handling of objections.
(5) After-sales service terms should focus on what kind of obligations the distributor should undertake (for details, please refer to the relevant clauses in Product Quality Law, General Principles of Civil Law and Consumer Protection).
(6) On the liability for breach of contract. It is also necessary to stipulate in detail what kind of responsibility one party should bear when performing its contractual obligations in violation of the contract.
(7) The settlement of disputes should be agreed upon by both parties, such as arbitration, the place of litigation, the place of dealer registration or other places designated by both parties. If the agreement is unclear, the provisions stipulated in the Civil Procedure Law shall apply.
(8) Special attention should be paid to the details of the dealer's contractual responsibilities, which are often maliciously "ignored" by dealers, and car buyers should pay attention to protecting their rights.
when buying a car, don't forget to ask or check the background information of the dealer, which should at least include whether the business operation site of an enterprise as a legal person is consistent with the registered site, so as to protect its legitimate rights and interests.
Extended materials
Attention issues
1. Hidden expenses need to be known in advance: generally, such a situation is easy to occur in secondary dealers.
In fact, as long as consumers ask clearly about the expenses included in the total price when booking a car, whether there are other hidden expenses such as
new car inspection fees, delivery fees, etc., and also pay attention to whether the loan contract is provided by the bank, so as not to cause
2. Car insurance by installment: If consumers choose to buy a car by credit card, the general car dealers will ask for car insurance for a limited period, and consumers should pay attention to whether the car insurance price is acceptable.
3. Oral agreement is not guaranteed: unless the consumer applies for unsecured credit loan in the bank, and after withdrawing the money, he goes to the 4S shop to buy a car in full, otherwise other forms of loans to buy a car can't get the full amount of the car
. At this time, car dealers often verbally promise consumers all kinds of promises, which are all on paper. In order to avoid future problems, consumers are choosing cars.
4. The loan amount should be clarified: generally speaking, the maximum loan can be 2, yuan with personal credit or joint and several liability guarantee;
if you apply for mortgage of the purchased vehicle or real estate, the loan amount is 7%;
if a third party applies for a guaranteed loan (except banks and insurance companies), the loanable amount is 6%.
5. The repayment method should be clear: banks generally provide users who apply for personal car loans with two repayment methods: equal principal and interest and average capital. Among them, the total interest paid by matching principal and interest is relatively large, but the repayment amount in each period is the same, and the repayment pressure is more balanced;
The repayment amount of each installment in average capital is gradually decreasing. Although the total interest expenditure is less than the equivalent principal and interest, the repayment amount in the previous period is relatively large, so we should think twice about whether it can bear it.