Loan is a way of cooperative sales between 4S stores and financial institutions. It is more common now. Generally, the types are different depending on the 4S store.

1. When applying for a car loan at a 4S store, after paying the handling fee, you still have to pay interest;

2. The so-called interest-free loan is similar to the credit card method, with a one-time payment of 5- 7‰ handling fee and no loan interest. I don’t know how much the landlord wants to borrow. Personally, I feel that the 4k handling fee is not high at all. For a 400,000 car, the down payment is 120,000 and the loan is 280,000. If this policy is given, the loan of 280,000 will be enough. The annual term is 6.65%, and the maximum interest rate in three years is about 47,600, which reduces financial pressure and saves expenses. If you choose a 20% down payment, you will save more;

3. Two types The method is to purchase full car insurance from the 4S store, and the time = loan period;

4. Whether the specific business of different 4S stores is different, the poster only needs to call the salesperson of the 4S store to apply for the loan and ask Then you will know.