Now buy a car with 0 down payment, what is the routine, I heard that there is still 0 monthly paymen

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 of these loan companies is much higher than the bank's normal car loan interest, for example, the same 200,000 car, according to the 30% down payment, the loan of 140,000, after 5 years you need to repay the total amount is about 190,000, and if it is 0 down payment, the loan amount is 200,000, and the total amount of repayment after 5 years is about 32.35 million yuan, that is to say, the same 5 years you have to spend 7.1 million yuan more than the normal car purchase. It may be higher in some areas.

Zero down payment is not to say how deep the routine is, but the costs incurred in the later stage are very high and the interest is very high, so it is not recommended to buy a car with zero down payment.

I don't believe this anyway, you just have to remember that pies can't fall from the sky, and the wool comes out of the sheep.

It is not recommended to choose a zero down payment, as the interest and handling fees in the later stage are higher. If you want to take out a loan to buy a car, it is recommended to choose a 30% down payment.

Generally speaking, zero down payment is not recommended, because if you choose zero down payment, it means that your interest is still relatively high, and in the end it is much more expensive than having a down payment.

Zero down payment Zero monthly payment is just a means of sales to let you buy a car, but you will pay all the money later.

The cost of a car with zero down payment is very high, almost double that of a general loan, and it is not cost-effective.

I've heard of 0 down payment, but I haven't heard of 0 monthly payment, so is there any condition?

True or false? And such a good thing?

Yes, I was at the auto show before, looking at Southeast Motors, and the sales consultant over there said that Industrial Bank has 0 down payment, and it can be loaned for up to 60 months.

0 down payment to buy a car is a pit.

Car owners should be more vigilant when buying a car in this way, there may indeed be some pitfalls when buying a car with 0 down payment, and the common ones are three routine traps:

1. The owner is required to purchase insurance in the store, and the insurance cost purchased in the store is more expensive than that outside;

2. If you can't get free gifts such as steering wheel covers, seat cushions, reversing radars, sunshade films, etc., the owner needs to buy them in our store;

3. There is also a handling fee or other handling fees for zero down payment.

Zero down payment

There is no legal provision for zero down payment, and formal bank loans require a down payment of at least 20%, which shows that zero down payment is not legal. However, the car manufacturer or 4S store will pay this money first, but it does not mean that consumers will save this cost, and the world will not be a pie in vain, and 4S stores may try their best to obtain benefits in other aspects, so that consumers can not get too many discounts for buying a car with zero down payment, or even more expensive.

In addition to zero down payment, there is also a sales method - zero interest, which also has certain traps. There will be some restrictions, such as model restrictions, and only the specified models can be purchased; Preferential margins are restricted, etc., creating the appearance that consumers are saving a lot of money on interest fees, but in fact they are spending on other things. On the whole, the amount of preferential fees is not large.

No, the world is going to rent a car, it is real and no routine.

Now a lot of friends who want to have their own car are doing it, which is very suitable for friends with insufficient budget, but it is also necessary to choose carefully, it is best to be able to go to their own household, which is more reliable, and the detective can do this by buying a car, which is not bad.

Don't give up flying when you can fly; Don't give up dreaming when you can dream; Don't give up on love when you can love.

0 Down Payment Buying a Car requires the following three conditions.

1. The borrower shall be at least 18 years old and have a permanent residence in the city. In order to confirm that the lender has a certain ability to repay, the lender needs to have a stable job.

2. A certain guarantee, a pledge approved by the bank or a third-party guarantee should also be provided. Usually a third party is a person or unit that has the ability to repay. If the lender fails to repay the loan, the third party shall be jointly and severally liable for the repayment of the loan.

3. If a husband and wife or family members buy a car, the family members must be present at the same time. If they are not present, they will need to submit a signed and stamped power of attorney.

Buying a car with zero down payment is a new way to buy a car, which refers to the car loan launched by banks, auto finance companies and other institutions within a certain period of activity without a down payment for a specific vehicle model, with the characteristics of high loan amount and no down payment. Zero down payment reduces the pressure on consumers to buy a car, and car buyers can enjoy driving pleasure in advance.

To have a stable job and income, be 18-60 years old, and have a fixed address or property.

The detective buys a car, the car is under his own name, there are many models, the car is picked up quickly, and the license plate is fast.

There are several ways to buy a car with 0 down payment:

1. The first routine is "unsalable car". Selling low-end cars as high-end cars and stocked cars as new cars are all common methods in buying cars with zero down payment. For example, a 300,000 yuan car, after simple processing by the dealer and some configurations, the price is increased to 390,000 yuan.

According to the normal 30 down payment, consumers who buy the original car need to pay 90,000 yuan. However, after choosing zero down payment, consumers seem to enjoy zero down payment, but they buy a model that is 90,000 yuan more expensive than the original car, which is equivalent to deducting 30 down payments, and the loan amount is exactly 300,000 yuan, which is equivalent to the real ** of the original car;

2. The second routine is to "raise the price of the car". Generally, if you go to a 4S store to buy a car, you can get certain discounts, but if you buy a car with zero down payment, the merchant will raise the price of the car, and the direct consequence of this is the increase in various taxes and fees and the increase in interest on later repayment. For example, if a car loan of 120,000 yuan and a loan of 150,000 yuan will have a lot of difference in monthly repayment interest, so you must calculate the interest rate before buying a car to see if the extra interest you pay is acceptable;

3. The third routine is "yin and yang contract". Originally, if the car was sold for 200,000 yuan, the merchant would sign a contract with the car buyer for 250,000 yuan on the grounds that there was a handling fee for the purchase of the car with zero down payment, and require the car buyer to return a handling fee of 50,000 yuan in cash. However, when it is time to repay the loan, when the car buyer takes 200,000 yuan to repay the loan, the merchant will ask him to repay the 250,000 yuan according to the contract, because the bank statement shows that the buyer has received 250,000 yuan.

Since there is no evidence to prove that the 50,000 yuan has been returned from the air raid, the car buyers are at a loss for words.

Millions of car purchase subsidies.

Yes, now this marketing model is a routine, in order to let people buy cars and increase sales, in fact, it is a loss.