What is the general interest rate for buying a car in the first and fourth S stores?

1. credit card purchase by installment: banks charge no interest, but only installment fees. However, the credit card installment fees of different banks are different, so the specific interest should be determined according to the installment amount, installment number and installment interest rate of the credit card

2. Bank car consumption loans: all banks have car consumption loan services, and the loan interest rate is generally between 5% and 12%, which means that the loan is 1, yuan, and the annual interest is about 5,-12, yuan.

3. auto financing company loans: auto financing company loans sometimes have interest-free activities, but 4S stores will charge some service fees. If interest is charged, the interest rate is about 8%-12%, which means that the loan is 1, yuan, and the annual interest is about 8,-12, yuan.

second, I want to buy a car, too. Some 4S stores say zero interest rate and zero down payment. Does anyone know?

I'll transfer it to you in detail. If you are interested, you can have a look. Buying a car with zero down payment and zero interest is not a pie that falls from the sky. Car dealers will not trade at a loss, and there will be no unreasonable pies in the sky, and there is no free lunch in the auto market. With the fierce competition in the automobile market, it is not a free lunch, but a way to promote sales. I remember that some consumers had called to complain to reporters before, thinking that the merchants said that zero down payment was not really free to pick up the car, and that the merchants did not fulfill their promises. In fact, this move by car dealers is not much different from its price reduction. Car dealers launched a zero down payment, but divided the down payment into several months. It seems that you are not asked to pay in one lump sum, but in fact you are not underpaid. It's just that the object of collecting money is the bank, not the car dealer, and there is also some interest. The zero interest rate is even more so. Buying a car in a car dealership seems to pay less monthly interest for one or three years, but you have to pay the price. First of all, you can't enjoy the right to give away fine products. You don't have to do a series of work such as buying insurance and licensing your car yourself, just pay for it. Why? Because the insurance and licensing fees are much more expensive than your own, since you enjoy the interest-free benefits, then this part of the benefits have to be given to the car dealership. Of course, the most important thing is that you don't have much say in the choice of cars and bargaining with car dealers. The price of the car body is much more expensive than the one-time payment. Since you can't earn your money from interest, then earn it from sales links, car prices and so on. You can't lose money when you sell a car, especially when you sell a car with zero interest rate and zero down payment. This is the absolute rule of the business. Of course, it is undeniable that the policy of zero down payment and zero interest rate introduced by auto merchants does provide convenience for those car owners who want to buy a car but don't have enough money to bear the interest. As a way for merchants to promote automobile sales, in the increasingly mature automobile market, there will be more policies to facilitate car purchase in the future. Whether it is car loan or insurance, the policies of the merchants may be closer to the needs of consumers and more humane, but one thing is clear: car dealers will not do business at a loss. Consumers don't expect a free lunch in the auto market, even if you eat a free lunch, you need to pay a certain price. Do you believe in such a free lunch? There is no money for the down payment and zero interest for the monthly payment. Since the beginning of this year, the sales of Dongguan automobile market have encountered certain difficulties. As the banks keep raising interest rates, consumers are more sensitive to the down payment and the interest on car supply. Merchants have introduced the policy of "zero down payment" and "zero interest rate" for car purchase. You don't need to pay interest on the loan, and you don't need to prepare a down payment for the car. As long as you pay back the car in installments every month, you can easily drive home and buy a car at no cost. Is there such a free lunch in the auto market? The reporter found in the investigation that this is not the case. Buying a car with zero down payment and zero interest is not a pie falling from the sky. Zero interest rate: zero interest rate: mainly for slow-moving models or stock cars. Since last year, Chevrolet merchants in Dongguan have launched the purchase of Lefeng and Jing Cheng, and enjoy a one-year interest-free mortgage with a down payment of 5%; Buy Volkswagen sagitar and enjoy policies such as "zero procedures and zero interest rate". The reporter learned from a number of 4S stores in Dongguan that launched zero-interest loan car purchase services that this "first enjoy and then pay" car loan method has indeed attracted many customers. "You can enjoy a three-year interest-free loan when buying a car, and the interest on the loan to buy a car is paid by the company; Only pay 16,8 yuan and drive the car home directly. " At present, many car dealers in the auto market have advertised that they can enjoy zero interest on loans to buy cars. The credit specialist of a 4S shop took a loan to buy a 1,-yuan car as an example. The consumer paid a down payment of 3, yuan and a loan of 7, yuan, and the car could be driven away at the scene. According to the current interest rate of the auto brand finance company, the interest will exceed 11, yuan in three years. Can this part of interest really be exempted? The answer is obviously impossible. An industry insider who is engaged in car loan business revealed that the models that enjoy zero-interest loans are generally limited to the company's unsalable models or stock cars, and it is impossible for hot-selling models to enjoy such a policy. Zero interest is actually the offset of the car price. When consumers pay for a car in one lump sum, they can often enjoy a large preferential margin. However, if you buy a car by loan, you can't enjoy the discount. The interest-free strategy of car purchase has developed to the luxury car market. Recently, the 4S store in Meidong, Dongguan launched a Lexus IS luxury coupe with interest-free, monthly payment-free and down payment of 22, yuan. With a down payment of 14, yuan, 36 yuan can drive the lexus ES35 home every day. For some models, the car dealership also introduced a down payment of 5% of the car price, which can enjoy 11 months of interest-free and monthly payment-free concessions. The reporter learned from many Dongguan dealers, such as Shanghai GM, FAW-Volkswagen and Changan Ford, that the so-called zero-interest car purchase actually means that car dealers give some discounts to consumers who borrow money to buy cars at interest, so on the surface, it is a zero-interest loan car purchase. In addition, some merchants adopt the interest-free policy within one year, and the car loan will still pay interest in the following years. In fact, when adopting the zero interest rate policy, consumers can't enjoy the price concessions of this model, and the fine products such as steering wheel cover, seat cushion, reversing radar and sunshade film can't be obtained for free. In addition, the car damage insurance, theft insurance, commercial three-person insurance, compulsory insurance, deductible insurance and other types of insurance that consumers buy when they borrow money to buy a car are not allowed to be purchased by themselves, but need to be bought by car dealers. Actually, consumers benefit from zero interest rate, but other benefits supplement the interest loss of businesses. Zero down payment: zero down payment: car dealers have shifted the payment method. In addition to zero-interest loans to buy cars, there are also zero down payment loans to buy cars in the auto market. The reporter learned from Shanghai GM Dongguan Zhicheng car dealership that the first car dealership in Dongguan launched zero down payment, and its car loan method only shifted the payment method. The down payment has changed from the original one-time payment to the current monthly payment. Dongguan Zhicheng Buick Credit Commissioner said that his company cooperated with ICBC Dongguan Branch to launch a zero down payment strategy for Excelle series models. That is, the car that originally required a down payment of 3, yuan is now mortgaged by the consumer to the bank. Plus another 7% monthly payment. The down payment is paid to the bank and the balance is paid to the auto financing company, which reduces the pressure of one-time down payment. It is understood that at present, the auto market also has the business of replacing used cars with zero down payment, and directly offsetting the down payment of new cars with the residual value of old cars is another car loan business for many car dealers. If the owner uses an old Bora used car, replace it with a new Bora with a price of 14, yuan. The estimated price of a used car is 6, yuan, and the minimum down payment price of this car is more than 4, yuan, so the owner does not need to prepare down payment funds. In addition, the use of real estate as collateral, consumers can drive away without down payment, which is actually the bank's "mortgage to mortgage" business. People in the industry believe that, in fact, according to the provisions of the Measures for the Administration of Automobile Loans, the amount of loans granted by lenders for self-use vehicles shall not exceed 8% of the price of the cars purchased by borrowers, that is to say, the minimum down payment for car purchase with consumer loans shall not be less than 2%, and zero down payment is not allowed. It is understood that none of the banks that have car loan business in Dongguan have zero down payment business, and the auto finance companies are the main ones that launch car loan business with zero down payment. For the zero down payment, the auto financing company or the car dealership will cooperate with the bank again to transfer the payment method. "Zero down payment, zero interest rate" can save cash expenses. "Zero down payment, zero interest rate" is actually a disguised form of promotion. The introduction of zero down payment and zero interest rate by merchants is actually a disguised form of promotion. With more and more auto dealers offering "zero interest rate" for auto loans, especially in mature auto financing companies abroad, zero interest rate loans are the usual promotion methods in foreign auto sales, but the "zero interest rate" in China is not a real interest-free loan. Because many new Wanren buy cars with "zero down payment and zero interest rate", they can avoid guarantees and real estate mortgages, which saves a lot of twists and turns. It is understood that FAW-Volkswagen's recent "1 yuan Auto Insurance" project will once again expand its auto finance business. It is reported that after the launch of this activity, when consumers buy sagitar manual transmission models, they can buy three major auto insurances (theft insurance, car damage insurance and three insurances) for one year at the same time for 1 yuan. According to professional analysis, the investment boom has been heating up in recent years, and some consumers who want to buy a car will find it difficult to choose between investing and buying a car. If a large sum of money is invested at one time, there may be a cash flow problem for the owner. Therefore, buying a car with "zero down payment" and "zero interest rate" has become an effective way for consumers to save cash. The zero interest rate is even more so. Buying a car in a car dealership seems to pay less monthly interest for one or three years, but you have to pay the price. First of all, you can't enjoy the right to give away fine products. You don't have to do a series of work such as buying insurance and licensing your car yourself, just pay for it. Why? Because the insurance and licensing fees are much more expensive than your own, since you enjoy the interest-free benefits, then this part of the benefits have to be given to the car dealership. Of course, the most important thing is that you don't have much say in the choice of cars and bargaining with car dealers. The price of the car body is much more expensive than the one-time payment. Since you can't earn your money from interest, then earn it from sales links, car prices and so on. You can't lose money when you sell a car, especially when you sell a car with zero interest rate and zero down payment. This is the absolute rule of the business. Of course, it is undeniable that the policy of zero down payment and zero interest rate introduced by auto merchants does provide convenience for those car owners who want to buy a car but don't have enough money to bear the interest. As a way for merchants to promote automobile sales, in the increasingly mature automobile market, there will be more policies to facilitate car purchase in the future. Whether it is car loan or insurance, the policies of the merchants may be closer to the needs of consumers and more humane, but one thing is clear: car dealers will not do business at a loss. Consumers don't expect a free lunch in the auto market, even if you eat a free lunch, you need to pay a certain price. Do you believe in such a free lunch? There is no money for the down payment and zero interest for the monthly payment. Since the beginning of this year, the sales of Dongguan automobile market have encountered certain difficulties. As the banks keep raising interest rates, consumers are more sensitive to the down payment and the interest on car supply. Merchants have introduced the policy of "zero down payment" and "zero interest rate" for car purchase. You don't need to pay interest on the loan, and you don't need to prepare a down payment for the car. As long as you pay back the car in installments every month, you can easily drive home and buy a car at no cost. Is there such a free lunch in the auto market? The reporter found in the investigation that this is not the case. Buying a car with zero down payment and zero interest is not a pie falling from the sky.

what's the interest rate for car loans in the third and fourth S shops? How to calculate the interest rate of car loans in 4s stores in 219

What is the average annual interest rate of car loans? At present, the annualized loan interest rate corresponding to the one-year total interest rate of 3.5% is about 6.5%, 3.8% is about 7%, and 4%, 4.5% and 5% are 7.4%, 8.3% and 9.3% respectively. At present, the mainstream one-year car loan interest rate is between 3.5% and 5%, and the corresponding annualized loan interest rate is between 6.5% and 9%. For example, a one-year car loan of 12, yuan needs to be repaid every month, and 4% of the total annual interest rate of 4,8 yuan is repaid together with the down payment. In fact, the 12 periods of car loan are 1 month and 2 months to 12 months respectively, and the average loan period is 6.5 months, so the annualized loan interest rate is estimated to be around 7.4%. The two-year total interest rate of auto loans is currently 7% and 9.5%. Among them, 7% interest rate corresponds to annualized loan interest rate of about 6.7%, 8% corresponds to annualized loan interest rate of about 7.7%, and 9.5% corresponds to annualized loan interest rate of 9.1%. At present, the mainstream of three-year car loan is between 9.5% and 12.5%, of which the lower 9.5% corresponds to the annualized loan interest rate of about 6.2%, 1.5% to the annualized loan interest rate of about 6.8%, 12% to the annualized loan interest rate of about 7.7% and 12.5% to the annualized loan interest rate of about 8.1%. At present, the benchmark interest rate of bank loans is 6% for one year and 6.15% for two years and three years. At present, the mainstream car loan interest rate is higher than the benchmark bank loan interest rate in the same period. In this regard, a bank account manager said that the bank's loan resources are becoming more and more tense. Compared with the current loan interest rate of more than 8% for small and medium-sized enterprises, the interest rate of auto loans is still relatively low, and the single loan amount of auto loans is small, which leads to the interest rate of auto loans is usually the benchmark interest rate. Another point that needs to be carefully calculated is that the loan period of car loans, whether in 4S shops or banks, is recommended to be two or three years, so that the monthly loan amount is moderate, which is conducive to medium-term financial planning. For example, if you buy a family car of about 18, yuan, you will get a loan of 12, yuan. If you pay off within one year, you need to pay back 1 thousand yuan every month. If it is two years, it needs to pay 5, yuan per month, and if it is three years, it needs to pay 3,333 yuan per month. The installment amount of car loan for two or three years is an affordable monthly payment for residents in big cities. How to calculate the annual interest rate of car loan? It is understood that to know the interest rate of auto loans, we should not only know the number of years of auto loans, but also know the amount, interest rate and repayment method of auto loans. Because as long as one of them changes, the interest on car loans will be different. For example, the annual interest rate of car loan is 5.25%, and the installment interest is related to the loan amount: interest = loan amount × annual interest rate x3= loan amount x5.25%x3= loan amount x6.75%.

what's the interest rate for the loan to buy a car in the fourth and fourth S stores?

What's the interest rate for the car with a down payment of 5, yuan and 1, yuan after three years?