How can I buy a car with 0 down payment, 0 interest and 0 monthly payment?

The down payment is generally okay, but it is more difficult to make 0 interest and 0 monthly payment. If you have 0 down payment, you can apply to the lending institution, wait for the application to pass the contract, and then pick up the car and repay the loan on time.

2."0 down payment car purchase" is a car purchase plan tailored for people who "have insufficient cash savings but have a stable income**", now "0 down payment car purchase" and "interest-free loan to buy a car" are two mainstream car purchase programs, and the two plans can also be combined to choose "0 down payment interest-free loan to buy a car", in short, as long as you prove that you have a "stable income**", you can easily buy a car.

As a very attractive car purchase policy, many friends who are not rich in funds want to realize their dream of becoming a car owner through 0 down payment. In fact, 0 down payment is not in line with national regulations, and the state stipulates that consumers provide at least 20% down payment. Therefore, if you choose 0 down payment, the bank will not lend to you.

If you choose a reliable lending institution, 0 down payment is still reliable. 0 down payment to buy a car requires the following conditions:

1) You need to be between the ages of 22-55, have a stable job, and submit proof of income, ID card, household registration book and other documents that can prove your long-term stay when buying a car.

2) If you get married, you still need to provide a marriage certificate, and the bank needs to review the credit of both husband and wife, but the most important point is that you get a driver's license.

4) For businesses, a valid business license is also required.

4.The process of buying a car with a down payment.

1) Take all the prepared materials to the lending institution, fill in the loan application form and loan contract.

2) After that, we need to wait for the loan institution to review the information, and if you meet the conditions, you will be asked to fill in some information.

3) Then wait for the loan application to be approved before picking up the car.

4) Finally, repay the loan in accordance with the contract.

Note: Of course, if you have financial strength, it is best to choose to buy a car in full or with a down payment, after all, the interest rate of 0 down payment is generally relatively high, and you need to consider it carefully.

There are four models that can buy a car with zero down payment and zero interest, namely the 2014 BMW x BMW X6, the Shanghai Volkswagen-Tiguan, and the 2014 Toyota Cruiser.

With the popularity of car loans, banks have stepped into the highly competitive car loan market. Some automakers have seen this opportunity and have teamed up with banks to launch a loan product – a car loan with 0 down payment and 0 interest. However, in the face of the way of buying a car with 0 down payment and zero interest, car owners should be more cautious, it seems that this way can save a lot of money, but there will be many other restrictions.

Why do some 4S stores buy a new car with 0 down payment and 0 monthly payment? After reading it, you will know the trap behind it.

0 down payment: purchase car installments, down payment does not need to be paid, but other expenses still have to be paid, corresponding handling fees.

0 interest: It refers to the interest that needs to be repaid every month, although the interest is gone, but there is a handling fee first.

0 monthly payment: refers to the first year, you don't have to pay back every month, don't think you will never have to pay back.

There are two main forms of 0 down payment, 0 interest and 0 monthly car purchase: 0 down payment 0 interest 0 monthly car purchase at car 4s shop and 0 down payment 0 interest 0 monthly car purchase for car companies and 0 down payment 0 interest 0 month for car purchase by automobile company.

Buying a car online is good, and it supports a low down payment. When buying a car, you should choose a person who can go to a personal account, and the car is in your own name, which is your own car.

This policy is there. The premise is the cooperation between the car dealer and the bank. But it is only 12 installments, which is "zero interest, zero down payment, and zero monthly payment" within one year. In the second year, the customer can start to pay in installments according to the payment requirements of the credit card, and the customer can take advantage of the 12 installments.

Buying a car with zero down payment is true, but it should also be carefully considered.

This problem involves interest, manufacturers are naturally not stupid, 0 down payment is difficult for any industry to bear, the huge capital gap is not a large enterprise with deep pockets is absolutely unaffordable, so they will generally cooperate with loan companies to complete together. The interest rate of these loan companies is much higher than the normal car loan interest of the bank.

0 down payment is no down payment, 0 interest is no interest, 0 monthly payment is not very clear.

This is unreliable, generally with zero down payment, or with zero monthly payment, I haven't heard of it. You can go to the online car buying platform to see the kind of personal account.

It refers to the purchase of a car mortgage, that is, no down payment, no interest within the agreed time, no need to pay the mortgage payment every month, such installments are generally for unsalable models, but you need to pay off the car at the end of the agreed time, and these ** do not mean that there is no handling fee.

0 down payment, 0 interest, and 0 monthly purchase, that is, there is no need to spend money, is there such a good thing.

It is better not to do it if the state does not support it, but instead spends more money.

It shouldn't all be 0, and there is a down payment to buy a car.

It's what it means to deceive fools.

You are not smarter than anyone, that is, no one is stupider than you.

If bread does fall from heaven, it will not fall on your head.

Think of it this way, and you won't be deceived.

It's good to remember that pie doesn't fall from the sky.

The merchant flickered, and in the end the wool came out of the sheep.

Generally speaking, this is the heart credit ** means launched by the merchant;

0 down payment is easy to explain, buy a car in installments, the down payment does not have to be paid, but you still have to pay other expenses;Applicable processing fees.

0 interest rate refers to the interest you need to repay every month, although the interest is gone, but there is a handling fee first, which is actually a change of soup and not a change of medicine;

0 monthly payment, generally refers to the first year, you don't have to pay back every month, don't think that you never have to pay back, there is no such good thing;Loans are generally repaid from the second year onwards

0 purchase tax and 0 compulsory insurance is that when buying a car, the cost of purchase tax and the cost of compulsory traffic insurance are borne by the dealer;

If there is any of the above discounts, then the price will not be discounted, and their commercial insurance must be purchased at the dealership

It's just that I met a great good person, and I gave you a car in vain.

Buying a car with zero down payment means that you don't need to make a down payment.

Zero interest means that you don't have any extra interest on your monthly payments.

There is no monthly payment, and you don't need to pay back in the first year, but you still need to pay back later.

It is recommended to buy a car through normal channels.

The wool is out of the sheep, don't think about the zero down payment, you can learn about the low down payment and go to the private platform.

This specific interest should depend on the individual's qualifications, the interest is low if the qualification is good, and the interest must be high if the qualification is not good.

It is understood that the interest rate of buying a car with zero down payment loan is relatively high. Because the borrower does not have to make a down payment, the risk of this expense is borne by the car dealership. In order to reduce the risk of the loan, the car dealer will increase the other expenses of the loan.

Precautions for buying a car:

First, first check the appearance of the vehicle, observe whether there are obvious paint injuries on the body, and make sure that there are no scratches in these places and no small pits and dents on the body.

Check whether the joints of all parts of the body are even, open and close each door, machine cover, and trunk several times to check the operation of the mechanism, and observe whether there are cracks in the glass, headlights, and plastic parts. Check the tires to see if the tire tread is worn out, whether the burrs on the tire are complete, and if you are not sure, you can compare it with other new tires.

Second, if there is no problem with the appearance of the vehicle, it is necessary to prepare for the purchase of the car, if it is a full purchase of the car, after paying the money, the 4S store will provide the owner with: car purchase invoice, vehicle certificate, three packs of manuals, manuals, two car keys (some cars will give three car keys). After buying a car, the procedures must be complete, especially pay attention to the certificate, if the procedures are not complete, it is impossible to license the vehicle.

Third, you must purchase car insurance as soon as you buy a car, including compulsory traffic insurance (compulsory traffic insurance includes vehicle and vessel use tax). Commercial insurance. Although commercial insurance is not mandatory, it is recommended to purchase third-party liability insurance and car damage insurance at the same time.

Third party liability insurance is recommended to purchase at least 1 million sum insured. After buying insurance, you also need to apply for a temporary license plate, so that you can drive on the road to the DMV to get a license.

Fourth, to get a license plate, you need to drive to the vehicle management office, and you need to check the appearance of the vehicle, lights, frame number, engine number, vehicle exhaust and other items.

There is actually no zero down payment for a car when buying a car in normal installments. If you say that you buy a car with zero down payment, there are generally two ways to operate: 1. The dealer advances the down payment part for the customer, how to calculate this part of the interest, depending on the dealer's policy, which may be high or low, and rarely charge interest; 2. The car purchase invoice is high, and the reverse calculation is equivalent to the whole vehicle loan, and the down payment certificate submitted to the bank is fake, so that the operation loan interest is charged normally, and the vehicle purchase tax and insurance premiums must be paid more

Answer 1, in order to increase the car price method, for example, a consumer wants to buy a ** for 70,000 yuan of self-use car, if according to the regular operation of the down payment of 30%, to "zero down payment", the dealer only needs to write the car price as 100,000 yuan, so that consumers can get 100,000 yuan 70% of the loan of 70,000 yuan to pick up the car in full, and the "down payment" of 30,000 yuan dealers have already been coordinated internally.

2. It is a mortgage or credit loan, and consumers who meet the conditions such as real estate mortgage can first borrow from the bank for a down payment, and then the auto finance company will lend another seventy percent of the car payment, and some dealers will help the buyer to apply for multiple credit cards through channels to complete the down payment. Another way is to replace the used car with a "zero down payment", which is to use the residual value of the old car to directly offset the down payment of the new car.

The monthly rate for buying a car with a zero down payment loan is that the optional term is 24-60 months, and the interest is charged on a monthly basis, whether it is a loan of 24 or 36 or 60 installments, it is paid according to the monthly interest. Again, the processing fee for conversion to 3 years is:

We'll be happy to answer for you.

The policy of zero down payment provides convenience for modern young people, and now young people face a lot of pressure to buy a car and a house, and the specific interest depends on the specific purchase of the vehicle, and the loan of each brand of vehicle is different!

It is possible to buy a car with a down payment online, and you must choose to go to a personal account.

More than 1,000 models for you to choose from, Dandan--- order a car-a-p-p is good. The main one percent down payment, on the individual account, good.

In general, the down payment of 1% when buying a new car online is 1%, that is, the low down payment is 10%, and the down payment method is different depending on the model. Support more than 300 cities and regions to pick up the car, fast and convenient.

The interest on the zero down payment depends on the number of installments you choose, and the interest varies from instalment to period.

Buying a car with zero down payment is more complicated, on the one hand, the personal requirements are too high, on the other hand, the state is stricter in investigating and dealing with this piece, the relative monthly payment will be higher, the risk is greater, and there are also requirements for the model.

Introduction to the method of buying a car with zero down payment monthly payment: Generally, the process of buying a car is to pay a certain amount of car purchase every month in the first year, which is considered to be a monthly payment.

0 down payment for banks, auto finance companies and other institutions, for specific models without a loan down payment, with a high loan amount, no need to pay a down payment and other characteristics. There are many zero-interest rate car models on the market, such as Crown, Corolla, Vios and other models can enjoy "0 interest rate, 0 monthly payment", with a down payment of 50%, you can drive away the crown, no payment within a year, and an additional 50% after a year.

Some specific models can enjoy as low as 0% loan interest rate, 1-4 years flexible loan term, ultra-low daily payment from 49 yuan. You only need to pay 50% of the car price, and settle the remaining 50% of the balance after 1 year, and enjoy 0 interest rate and 0 monthly payment during the loan period. The so-called zero interest rate and zero monthly payment is a down payment of 50%, interest-free within one year, and a one-time repayment of the other half of the car purchase price after one year.

Summary. Hello dear, glad to answer for you! The monthly interest rate for the purchase of a car with a zero down payment loan is 24-60 months, and the interest is charged on a monthly basis, whether it is a 24 or 36 or 60 installment loan, it is based on the monthly interest.

Similarly, the fees converted to 3 years are: 1. Loan interest. This is the fee charged on all car loans.

However, it should be noted that since it is a car loan with zero down payment, the interest rate of the loan may be higher than the interest rate of a general car loan; 2. Notarial mortgage fee. To apply for a car zero down payment loan, the car has been mortgaged to the lender until the loan is paid off, so in the car loan, it is necessary to go through the car notarization procedures and mortgage procedures, and these handling fees are generally required to be issued by the applicant; 3. Credit investigation fee. When the lending institution handles the loan, the lender will investigate the information submitted by the applicant and charge about 1% of the loan amount; 4. Performance bond.

This fee is generally 3%. However, different loan companies charge different things.

How to calculate the interest on buying a car with zero down payment?

Hello dear, glad to answer for you! The monthly interest rate for the purchase of a car with a zero down payment loan is 24-60 months, and the interest is charged on a monthly basis, whether it is a 24 or 36 or 60 installment loan, it is based on the monthly interest. Again, the cost converted to 3 years is:

1. Loan interest. This is the fee charged on all car loans. However, it should be noted that since it is a car loan with zero down payment, the interest rate of the loan may be higher than the interest rate of a general car loan; 2. Notarial mortgage fee.

To apply for a car zero down payment loan, the car has been mortgaged to the lender until the loan is paid off, so in the car loan, it is necessary to go through the car notarization procedures and mortgage procedures, and these handling fees are generally required to be issued by the applicant; 3. Credit investigation fee. When the lending institution handles the loan, the lender will investigate the information submitted by the applicant and charge about 1% of the loan amount; 4. Performance bond. This fee is generally 3%.

However, different loan companies charge different things.

I want to ask, I look at a car, all about 130,005, I make 0 down payment, he asked me to make a down payment of 12,000 points, 5 years, and 2905 every month, is it a lie.

This interest is almost 10,000 yuan a year, isn't it too much?

There is no such thing as a deception, it's just that which condition is beneficial to them, and they will recommend it to you.

Is this interest rate so high?

Zero down payment interest will be higher.

Can you get it?

Can you start with this interest?

If you have plenty of funds, pay more for the down payment, and your monthly payment and interest will be much less.

If it's 0 down payment, this interest rate is normal, right?

Yes, there is also a car installment and they will ask you to pay a loan service fee.