Three traps:
Raise the car price, borrow 70%, and lend your car price. For example, your car is 654.38+ 10,000 yuan, and the loan can only be up to 70,000 yuan. However, if he raises your car price to 654.38+ 0.4 million (70% loan), you can lend 654.38+million, with high insurance cost, which is highly recommended. In this form, the car doesn't belong to you. If you don't repay in time, you will face an increase in interest or your car will be mortgaged. Then you say you want to return the car, and you will find that its interest can't be refunded to you, and you have to pay the depreciation fee for the car. If you pay in one lump sum, you will find yourself paying usury. It is illegal to borrow more than one car. Although it is illegal, many car dealers still do it. Three scams:
Fraudulent personal data. Some car dealers will use your personal identity information, and then borrow money from the bank through your information and lend the down payment to pay the down payment of your car. Then go through the formalities of buying a car on the basis of handling a credit card, and run when you get the car. Unreasonable terms. Some unreasonable terms will be added to the contract, and the car dealer will not mention these terms to you, but will point out the problems encountered by the car dealer. Compulsory consumption items. There are many bundled consumption items in buying a car with zero down payment, such as having to buy insurance in our store and maintain it in our store. Buying a car with zero down payment is a scam. Bian Xiao here advises you not to be deceived by a temporary bargain. If you really can't afford to buy a car at the moment, you still work hard, and it is more reliable to buy a car with a low down payment. Of course, I don't advise you to buy used cars by stages, because there are more loan routines for used cars than for new cars.
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