The current car loans on the market mainly include bank car loans, credit card installment loans and loans from professional car finance companies. If you look at the loan interest rate alone, credit card installment car purchases have a greater advantage. At the same time, installment car purchases with credit cards are easier to operate than car consumer loans from banks. As long as the cardholder has good credit and a stable income, there are generally no restrictions on household registration and property. The down payment amount for a credit card installment car purchase is generally greater than or equal to 30-40 of the car price, and the minimum loan is 30,000 yuan. Since it involves multiple car brands, it basically covers mid-range and low-end models. The down payment must be paid in cash or deposit, and the overdraft amount on a credit card cannot be used.

According to relevant media surveys, 40% of consumers who currently buy cars with loans purchased cars through zero-interest car loans. Compared with traditional car loans, zero-interest car loans do not require consumers to pay interest. It is a new way of buying cars that automobile manufacturers and merchants pay interest to car buyers. However, how to accurately choose a zero-interest car purchase plan still requires careful consideration. The bank version of the zero-interest car purchase plan. When it comes to car purchases with loans, the first thing that comes to mind is banks, and zero interest rates and zero monthly payments are naturally inseparable from installment attachments. Currently, many banks have car loan businesses, such as China Merchants Bank’s “Car Purchase "Easy", China Construction Bank's "Dragon Card Installment Car Purchase", China Minsheng Bank's "Car Purchase Tong", Bank of China's "Car Loan Tong", etc. have all launched car purchase plans with zero interest rates and zero monthly payments. ■China Merchants Bank's "Easy Car Purchase" Currently, China Merchants Bank's "Easy Car Purchase" brands include Beijing Hyundai, Dongfeng Yueda Kia, Skoda, FAW-Volkswagen, Dongfeng Honda, Dongfeng Citroen and many other brands, providing zero interest rates, zero months The car purchase options include Beijing Hyundai's Yuedong, Tucson, and I30, Dongfeng Yueda Kia's Sportage, Forte, and SOUL, Dongfeng Honda Spurui, FAW Toyota Crown, and Skoda Fabia. If you choose this car loan method, China Merchants Bank requires a first attachment of 50. Then you don’t need to pay interest and handling fees within one year. After one year, you can pay off the remaining balance of 50, which is equivalent to enjoying interest-free and handling fees-free for one year, which is equivalent to zero monthly payment. . And if it is divided into 24 installments, the handling fee will be as high as 4.5 to 7, with the lowest fee being 4 for SPIRI. If it is divided into 36 installments, the handling fee for Beijing Ancient Tucson will be as high as 10.5, 7.5 for SPIRI, and 8 for SOUL. . In addition, banks also require car loan customers to have a real estate certificate and no bad credit record in the bank. As can be seen from the above table, for the same brand, the policies between different banks are the same. Each bank also has its own trump card: China Construction Bank's most favorable plan is for car buyers who buy Dongfeng Honda Spurui. The installment fee for 24 installments is only 4.5, and the installment fee for 36 installments is only 7.5, which is much lower than other models. The price range of the Dongfeng Honda Spiral is 237,800-271,800 yuan, which is also higher among many models, second only to the Crown 3.0. The bank's "Xiao Jiujiu" is to attract high-end customers: if you can afford to drive the Spiral, you will naturally have more financial resources. Guaranteed. ■ Construction Bank’s “Long Card Installment Car Purchase” The cooperative brands of China Construction Bank’s “Long Card Installment Car Purchase” include Beijing Hyundai, Dongfeng Yueda Kia, Skoda, FAW-Volkswagen, Dongfeng Honda, Changan Suzuki and other brands, providing zero interest rates, zero The monthly car purchase plan includes Beijing Hyundai's Yuedong, Tucson, and I30, Dongfeng Yueda Kia's Sportage, Forte, and SOUL, GAC Honda's Accord and Fengfan, FAW's Ruiyi and Mazda 6, Germany's Volkswagen Beetle, and Skoda Fabia and Haorui. China Merchants Bank has a different unified requirement of 50. For different brands of models, China Construction Bank requires different first attachments. Accord, Fengfan, Sportage, Forte, SOUL, and Beetle only require a first attachment of 30. Yuedong, Tucson I30 and Fabia , Haorui is 40, Ruiyi and Mazda 6 are 50, which is equivalent to getting a one-year interest-free loan, and then paying off the balance in terms of the number of installments, in addition to being divided into 12 installments, Guangqi Honda is. It provides up to 18 installments. If divided into 24 installments, the handling fee will also be higher, ranging from 4 to 7, while the 24-stage installment fee for FAW Car Ruiyi and Mazda 6 is lower, only 4. .

According to the dealer, if you buy Ruiyi and Mazda6 in 24 installments, you don’t need to repay in the first year, and a one-time handling fee of 4 loan amounts will be charged in the first month of the second year. This handling fee is quite attractive. . In addition, China Construction Bank also requires car loan customers to have a real estate certificate and no bad credit record with the bank. ■Minsheng Bank's "Car Purchase Pass" Among the cooperative brands of Minsheng Bank's "Car Purchase Pass", there are only two brands that can provide zero interest rates and zero monthly payment plans, BYD and Fiat. BYD F3R and F0 are free from the 6th to 24th period. There is a handling fee, and for Fiat's three models, the handling fee can only be waived for period 6. The handling fees for other models for periods 6, 12, 18 and 24 are 3, 5, 7 and 9 respectively. Considering the first and handling fees, it is more favorable to buy BYD models F3R and F0 from Minsheng Bank. Fiat's imported models can only be divided into 6 installments, which is really a bit short.