1. Is it true that a two-year interest-free car loan is interest-free?

Is a two-year interest-free car loan really interest-free? First of all, any type of loan, as long as it is a financing company, will definitely charge interest. No one can do business without funds. It can only be said that the manufacturer or 4S store paid for it for you. To put it bluntly, it is equivalent to interest-free.

What is certain is that the two-year interest-free car loan policy of many 4S stores is true. Generally speaking, these interest-free policies or preferential policies of 4S stores are activities directly carried out by the manufacturers. In other words, the interest on the two-year car loan is borne by the automobile manufacturer, and the 4S store is responsible for publicity and promotion. For 4S stores, there is a lot of extra profit in it. Let's do the next calculation.

Us. With a down payment of 30% and a loan of 70%, the current bank loan interest rate is 3.75%. The total interest in two years is 37,527 yuan = 5,250 yuan. This interest is paid by the automobile manufacturer, but the 4S store basically does not need to bear it or bear part of it. For consumers, friends who have a real car know that the additional cost of the entire car loan process is higher than the interest rate, which is actually not an advantage. Let’s take a look.

First of all, when you apply for a car loan, the 4S store will charge you a fee, also called a financial service fee. The cost is generally more than 3,000~4,000. This fee is all collected by the 4S store, with a profit of about 0 yuan. When you apply for a car loan, you will be asked to install this GPS locator to prevent you from finding the location of your vehicle in time when you cannot afford to repay the car loan. In fact, the cost of this GPS is only a few hundred yuan.

Purchase car insurance at 4S stores as early as possible during the two years of insurance rebate commission. If you look at the cost of the insurance that must be purchased in the car loan, it will be about 4,000 yuan. The insurance cost is 8,000 yuan for two years. You can get at least 2,000 yuan in insurance commission rebates at this S store. Vehicle mortgage fees, the charging standards in the automobile industry are generally based on 1 yuan of the loan amount. The mortgage fee is 800 yuan. In fact, the real charge is 70 yuan, which means the store.

The authorization fee charged by 4S shopping malls is at least. Some 4S stores, especially those of luxury brands, can receive more than 2,000 yuan. In fact, the license fee charged by the DMV is 130 yuan.

As mentioned above, there are additional charges for applying for a car loan. We will pay the total cost of the same level, 30020080080500=14,300 yuan. This is the additional fee that consumers need to pay to the 4S store. The profit earned by the 4S store is at least 7,000 yuan. It can be seen that the loan is 70,000 for two years. Although you received an interest subsidy of 5,250 yuan on your car loan, you paid more than 10,000 yuan for it, so you did not get any benefits. The real benefit comes from the 4S store, which makes a profit of at least 7,000 yuan, and the car loan interest does not need to be paid by the 4S store, or a small part of it. It can be said that 4S stores make money while lying down. This is why many 4S stores only sell cars to loan customers. If you don't take out a car loan, they won't sell it to you.

To sum up, the two-year interest-free car loan is indeed interest-free on the surface, that is, you do not have to bear interest charges, but there are still many tricks and hidden additional costs. You must make careful calculations, weigh the gains and losses based on your actual situation, and make the right consumption pattern.

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2. Interest-free car The loan is real Are interest-free

Interest-free car loans are true, but they will definitely charge you a processing fee. Generally speaking, car loans are rarely two years, but in most cases they are three years, which can alleviate a lot of repayment pressure. Dealers are not stupid. Even if they give you interest-free, they will make a profit. They will waive your interest, but charge fees and service fees. When these two items are added together, they will be nearly the same as the total interest. The so-called zero interest rate means that consumers only need to pay a certain down payment when buying a car, and the remaining balance can be paid to the lender in installments without paying any interest.

Chen Hongsheng, director of the public relations department of Dongfeng Citro?n, believes that for "zero interest rate" and "zero down payment" car loans: "To put it bluntly, 'zero interest rate' and 'zero down payment' car loans are equivalent to disguised car market promotions, which is different from the situation abroad. China's "zero interest rate" cannot be regarded as a true interest-free loan. Whether users can obtain actual price discounts needs to be measured by the user himself. "For example, if the user chooses the "zero interest rate" car loan method, the car loan should be based on the original price of the vehicle. The full price of the guide price shall prevail. Conditions for interest-free loans to buy a car: 1. First, you must apply for a bank credit card that can provide interest-free loans to buy a car. If you don’t know, you can consult your bank’s customer service and ask whether your credit card qualifies for interest-free car loans and other conditions. 2. After applying for a bank credit card, ask which 4S stores can provide relevant interest-free loan activities (note that not all 4S stores can provide interest-free car loan services). After that, you can go to the 4S store that has signed a contract with the bank to ask about the car model you need and what car loan discounts are currently available. 3. The credit card holder holds a valid ID and goes to the dealer's 4S store to select a car model and negotiate all purchase conditions. Generally speaking, the discount rate for a full-pay car purchase will be greater than the discount rate for a loan car purchase. Of course, every store is different. If you are not afraid of hard work and want to save money, you have to work harder and demand more. After selecting the model, fill out the installment payment order at the dealer and wait for bank approval. 4. After approval by the bank, the down payment will be handed over to the dealer for car purchase procedures. It should be noted that the down payment cannot be charged to the borrower’s credit card. 5. After the vehicle is registered, go to the credit card department of the borrowing bank to handle vehicle mortgage procedures. 6. After completing the bank mortgage procedures and receiving the car pick-up notice from the dealer, you can pick up the car.

3. Is it true that 4S stores offer interest-free services when buying cars?

What is certain is that the two-year interest-free car loan policy of many car 4S stores is indeed true. Generally speaking, these interest-free policies or interest discount policies of 4S stores are directly funded by It is an activity carried out by the manufacturer, that is to say, the interest on the two-year car loan is borne by the automobile manufacturer, and the 4S store is responsible for publicity and promotion. Of course, the 4S store is also very happy to promote it, and there is a lot of extra profit. inside. Now let’s do the next calculation.

Let’s do the calculation based on a car worth 100,000 yuan. The down payment is 30% and the loan is 70%, which means a loan of 70,000 yuan for two years. Calculated based on the current bank car loan interest rate of 3.75%, two years The total annual interest is 3.75270000 = 5250 yuan. The car manufacturer has advanced the interest, and the 4S store basically does not need to bear it or only bears part of it. For consumers, it feels like they are really getting a discount, but friends who have taken out a car loan to buy a car know that the additional fees required during the entire car loan process are higher than the interest. After all, I actually didn’t take advantage.

4. Is it true that the loan to buy a car is interest-free?

The procedures for applying for interest-free car loans at different banks will be slightly different, but they are similar. It is mainly divided into the following steps:

1. First, you must become a credit card holder of the bank, and call the customer to ask whether he is qualified to enjoy the car loan business and the amount of installments available.

2. Ask what the current car loan discounts are for the car model you are concerned about, and ask which 4S stores can handle related car loan activities, because not every 4S store can handle car loans. loan qualifications.

3. The cardholder brings a valid ID to the dealer to select a car model and bargain. Generally, the preferential service for loan car purchase will be less than the full payment range, but each store is different. If you want to save money, Just ask a few more. After selecting the car model, fill in the installment order at the dealer and wait for the bank to review it.