Rent-and-buy, as the name implies, is to buy a car by leasing. In practice, customers need to pay a very low fee or even a down payment, so they can pick up the car from the rental company and then pay the car rental fee on a monthly basis. After the lease period expires and the customer pays the remaining money, the leasing company will transfer all the money of the vehicle to the customer's name.
This method is popular in many overseas countries and regions, mainly because the price is transparent, so that the leasing company will be responsible for vehicle maintenance and insurance. In fact, many car owners will have less trouble in the process of using the car.
However, in China, the situation has changed. Before this, we have seen many netizens and car owners reflect on the Internet that some car owners buy new cars in the form of "car purchase in 0 yuan" and pay related fees or loans every month.
But after two or three years, that is, after the repayment period is over, these leasing companies will tell the owners that the cost of these two or three years is only the rental fee. In order to get the ownership of the car, they also need to pay a considerable sum of money. However, the sum of the paid car payment and the final payment is much higher than the normal market price of this car, so many car owners shouted that 0 yuan's car purchase did not save money for customers in essence, but also made the car owners spend a lot of money.
Moreover, compared with many overseas countries, many domestic 0 yuan cars are essentially car-centric, exploiting consumers layer by layer.
For example, insurance, many domestic cars are rented or bought in 0 yuan. When signing a contract with a customer, the consumer still has to pay the insurance fee. Moreover, the insurance premium of this kind of car is relatively high as a whole, and the customer is also responsible for the maintenance.
So generally speaking, in addition to spending more money, in fact, these leasing companies are basically "zero responsibility and zero burden", and consumers bear all the expenses and responsibilities.
Of course, there is another problem, that is, for most car buyers and renters in 0 yuan, the price of vehicles is generally higher.
As we all know, the domestic auto market has been relatively depressed in recent two years, so the preferential margin of many models is very large. But many cars in 0 yuan are bought or rented. Although the down payment is extremely low, the car price is basically the original price. Plus various expenses, it is much more expensive than buying a car through market channels. The craziest thing we have heard is that the owner's total cost is twice the market price!
Another problem is the compulsory collection of cars. Many merchants in 0 yuan who buy cars or buy them by rent have some extreme measures, especially when customers refuse to pay because they don't pay in time or see through the routine, these manufacturers change doors to forcibly collect cars, and the previous fees will not be refunded.
Then the result is that no matter which way, there is almost no possibility of losing money, and it is basically profiteering!
Therefore, renting a car or buying a car in 0 yuan was originally a brand-new consumption form, but under the operation of some unscrupulous merchants, it became an act of harming consumers. Therefore, for many consumers who are ready to buy a car and use it for a long time, we suggest that it is relatively safe to buy a car through official channels, that is, normal dealer /4S shop channels. Many third-party businesses in China, 0 yuan, buy a car to rent it, which has become a routine to harm consumers.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.