Is it reliable to buy a car online for three years without interest now?

Hello, nowadays life needs, car loans are very common. The way to buy a car with a loan can be much more discounted, which is mainly reflected in the loan interest. The lower the interest, the less fees you pay and the more money you save.

Loan object: The borrower must be a permanent resident of the place where the lending bank is located and have full capacity for civil conduct.

Loan conditions: The borrower has a stable occupation and the ability to repay the principal and interest of the loan, and has good credit; A third party who can provide recognizable assets as collateral or pledge, or a third party with sufficient solvency can act as a guarantor to repay the principal and interest of the loan and bear joint and several liability.

Loan amount: The maximum loan amount is generally not more than 80% of the purchase price of the car.

Loan term: The term of auto consumer loans is generally 1-3 years, and the longest is not more than 5 years.

Loan interest rate: Uniformly set by the People's Bank of China.

Loan repayment method: You can choose the one-time principal and interest repayment method and the installment repayment method (equal principal and interest, equal principal).

The above is the relevant knowledge about car loans, if you urgently need money to borrow money to buy a car, it is recommended that you use a big platform. For example, Du Xiaoman Finance's money is spending, with a high loan amount, low interest rate, and fast lending, which does not affect the car buying process. Click on the link to test the quota and get up to 200,000.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

Hello, it's best to choose a 4S shop when buying a car, the reliability on the Internet is not very high! And it's such a good thing, it is advisable to be cautious! Hope.

How can there be such a good thing, interest-free will charge you for your service fee, isn't it the same thing to bundle and tie up?

Buying a car for two years without interest actually contains a lot of routines:

1. For many models, a two-year interest-free loan may require a 40% or 50% down payment, rather than a simple 30% down payment.

The remaining amount will need to be repaid within two years. In fact, the remaining loans are not that the bank does not charge the interest of the car owner, but that it is borne by the manufacturer and the 4S store.

2. Since the two-year interest is borne by the 4S store and the manufacturer, for the sake of income, the 4S store will naturally recover the profit from other places. For example, even if the car owner will feel that the loan still needs to pay so many handling fees, but in the face of two years of interest-free can only be paid.

3. In addition to the unwritten regulations in the industry for charging handling fees, there is also a requirement for car owners to buy insurance, and insurance must be bought in the 4S store. In addition to the necessary insurance, there are other commercial insurances that are also mandatory for car owners.

There is such a name, but the general interest is paid in the form of handling fees, and there is no interest to be repaid in the later stage.

Under normal circumstances, buying a car with 0 interest for 3 years is not very reliable and not very cost-effective. Buying a car with zero interest for 3 years means that during these three years, the owner only needs to repay the principal part every month, and the interest part incurred during the period is borne by the dealer, but the principal must be paid off within the specified time.

There will be some restrictions on buying a car with 0 interest, such as restricted models, such as Focus, Ruiyi sedan, Yuedong, Fiesta, Spiri, etc.; The preferential margin of the vehicle has decreased, and it is not possible to get free gifts such as steering wheel covers, seat cushions, reversing radars, sunshade films, etc., and it is possible that the car owners themselves have to purchase car damage insurance, theft insurance, commercial three-party insurance, compulsory traffic insurance, and insurance without deductibles.

Buying a car in installments, 3 years and 0 interest behind the "cat greasy".

1) Auto financial service fee: In many places, a financial service fee ranging from 2% to 6% of the loan amount will be charged directly for taking out a loan to buy a car. For example, if you take out a loan of 100,000 yuan, the financial service fee may be around 2,000-6,000 (in fact, 1,000 is almost the same).

2) Licensing fee, new car licensing, many 4S stores directly charge 500-2000 (almost 200).

3) GPS equipment and installation fees, the first two years will be charged about 1980-4000, the last two years according to the loan, some will not be charged.

Buying a car for three years without interest is just to charge more handling fees.

Although there is no interest for three years, the 4S store still has to charge the corresponding handling fee, which is basically about 5,000 yuan, which is quite a lot. And even if there is no interest, the 4S store will find a way to earn money back in other places.

The 3-year interest-free policy can be said to be the same for many models, but for these 2 years of interest-free, the down payment is required to be 50%, which means that if you look at a car worth 100,000 yuan, you have to pay a down payment of 50,000 yuan, and the remaining 50,000 yuan needs to be paid within two years. In fact, the remaining 50,000 yuan loan does not mean that the bank does not charge interest, and the interest is borne by the manufacturer and the 4S store.

Evaluation

The wool comes out of the sheep, and there is no such thing as a free lunch. These two sentences can not be wrong at any time. For a for-profit organization like 4S store, unless the south wall is broken and the Yellow River is crossed, and a road goes from black to bright, it is not allowed to make money for charity, and it is impossible to meet once in a century.

We must understand that interest-free is not free. If the 4S store wants to make money, then if the interest is interest-free, it must be earned from other places.

It is true that the loan to buy a car for two years is interest-free.

Who can buy a car with an interest-free loan:

1. People who have a stable job, a high income, and want to buy a car but can't get the full amount. This group of people is mainly young buyers under the age of 30, because of the short working hours and limited savings, so the interest-free loan to buy a car is very popular with these people;

2. Some consumers who are better at managing money.

There are two conditions that need to be met to apply for an interest-free loan to buy a car:

1. Vehicle model restrictions. Typically, an interest-free car loan is a dealership's offer for a specific model, and not all models are suitable.

2. The monthly repayment amount is large. Some models require consumers to repay less than 5,000 yuan per month, which is more stressful in comparison.

Since the interest-free loan to buy a car, the car belongs to the bank before the loan is paid off. Therefore, in order to reduce the risk, the bank will generally require the car owner to purchase some car insurance as a condition of the loan in the car loan contract.

The premiums of these insurance policies may not fully meet the requirements of the car owner, and may even be excessive, so it is important to read the relevant insurance terms carefully when applying for a car loan, and this expense cannot be ignored.

It's true. Car loan interest-free means that there is no interest, car merchants launch car loan interest-free is a way, in fact, there is no big difference to the car price, it seems that there is no one-time payment, but in fact, the payment is not less. It's just that the object of collecting money is the bank and the 4S store, and there is also some interest or handling fee.

Zero interest rate is even more so, buying a car in a 4S store, it seems that the monthly interest is less than 2 years, the applicant must have the house ownership certificate in his own name, if he can't mortgage the property, he needs to make a down payment of 30%, and then pay in installments over 3 years. It is to set the interest rate part of the loan to zero, and only the principal part of the bank can be repaid, but the interest rate is where the profit point of these lending financial institutions lies.

The process of applying for an interest-free car loan will be a little different from bank to bank, but it is not the same. It is mainly divided into the following steps:

1. First of all, you must become a credit card holder of the bank, and call the customer to ask whether you are eligible for the car loan business and the amount of installment available.

2. Ask what the current car loan preferential activities are for the model you are concerned about, and ask which 4S stores can handle relevant car loan activities, because not every 4S store has the qualification to handle car loans.

3. The cardholder holds a valid certificate to the dealer to select the model and bargain, under normal circumstances, the preferential service of the loan to buy the car will be less than the full purchase of the car, but each store is different, if you want to save money, you have to ask a few. After selecting the model, fill out the installment order at the dealer and wait for the bank to review it.

It is not a car loan process, generally, the lender is a valid personal identity document. Including resident ID card, household registration booklet, etc. If the borrower is married, please provide proof of spouse's identity (Note:

All things being equal, married people are more likely to get a loan than unmarried people) Car loan regulations are as follows:

Application materials to be provided:

Valid personal ID. Including resident ID card, household registration booklet, etc. If the borrower is married, the identity of the spouse must be provided;

Proof of intent to purchase the car issued by the car dealer;

Proof of household registration or long-term residence;

Proof of personal income and, if necessary, proof of family income or property;

If the guarantee is made by means other than the mortgage of the purchased vehicle, the relevant materials of the guarantee shall be provided;

Proof of down payment for the purchase of the car;

If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation.

Car Loan Notes:

Loan target: natural persons aged between 18 and 60 with full capacity for civil conduct;

Loan amount: If the purchased vehicle is a self-use car, the loan amount shall not exceed 80% of the purchased car**; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the purchased vehicle**, of which the loan amount of the commercial truck shall not exceed 60% of the purchased vehicle**;

Loan term: The purchased vehicle is a self-use vehicle, and the maximum loan term is not more than 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;

Loan interest rate: Implemented in accordance with the loan interest rate regulations of CCB;

Repayment method: If the loan term is less than one year, the method of arbitrary repayment of principal with monthly interest, equal repayment of principal and interest, equal repayment of principal and interest, repayment of principal and interest in equal amount, repayment of principal and interest in a lump sum and other methods can be adopted; If the loan term is more than one year, the repayment method of equal principal and interest and equal principal can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

After signing the contract, the bank shall investigate and approve the application materials submitted by the borrower, and the two parties shall sign the loan contract and guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

Loans: After all the formalities are completed, the bank will directly transfer the loan to the account of the car dealer by transfer as agreed in the contract;

The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract;

The loan is settled. There are two types of loan settlements: normal settlement and early settlement, as follows:

1) Normal settlement: settle the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment);

2) Early settlement: Before the maturity date of the loan, if the borrower settles the loan in part or in whole in advance, he or she must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.

After the loan is settled, the borrower shall bring back the legal voucher and relevant supporting documents taken by the bank with his valid identity certificate and the loan settlement voucher issued by the bank, and go through the mortgage registration cancellation procedures with the loan settlement voucher to the original mortgage registration department.

It's true.

However, interest-free ≠ free, they do not charge interest, but they charge service fees and handling fees.

At present, this type of car loan usually only requires the buyer to pay a 30% down payment to drive the car home, and the rest of the purchase price generally needs to be paid off in installments within 3 years. At first glance, such an advertisement is indeed very exciting.

The loan is indeed "interest-free", but it requires a processing fee. However, when buying a car, if the consumer is negligent and does not pay attention, I am afraid that few salespeople will take the initiative to explain, resulting in a disadvantageous position after signing the contract.

Documents required to buy a car:

Private: 1Identity card;

2.Residence permit (some areas require a residence permit if you are not a local) Company:1License;

2.Organization ** certificate (some places require you to bring the IC card of ** card.)The ID card of the person in charge and the power of attorney (authorizing the person to buy the car);

4.Tax registration certificate (required by the DMV in some places).

Taking out a loan to buy a car for two years interest-free, many car owners feel that they have taken advantage of it, but they have suffered a loss.

The unknown "secret" of the 4S store, why do you ask you to buy a car interest-free for 2 years? That's the truth!