Is it true or not to buy a car with zero down payment?

With the development of economy, some businesses sometimes engage in the policy of buying cars with zero down payment, so should we believe this kind of car with zero down payment? Let's take a look at a farmer's zero down payment car purchase experience in Hangzhou.

Lao Li (a pseudonym) is a farmer in the suburb of Hangzhou. He has some spare money in his hand and has been thinking about improving his life. Looking at some friends around me driving luxury cars, Lao Li also has a career in his heart-although buying a luxury car is not affordable, after all, millions of people are thrown out at once, and it is also troublesome to use money at home; But if you buy an ordinary car, it seems that you can't face it.

"Zero yuan to buy a car?"

This is also a mistake. Walking, Lao Li saw an advertisement on the wall, "Zero yuan to buy a car?" I really want what I want, and I'm worried about how to save face and lining. The words "buy a car with zero yuan" are really tempting.

Lao Li didn't think much. He dialed the telephone number advertised. A male voice came from the other end of the phone. When the other party learned that Lao Li had an intention to cooperate, he boldly promised to "pay me down, and you will listen to me for the rest!"

After the phone call that day, the two chatted again. The man who claimed to be Gao Xiao told Lao Li that he could help him pay the down payment, but he had to pay back the money. How to return it? Gao Xiao said that he had a friend from a bank who was engaged in credit card business. He can help Lao Li to apply for a credit card with a limit of several hundred thousand. When the credit card is completed, Lao Li will swipe the credit card and return the money to himself, with a handling fee in the middle.

In this way, Lao Li not only bought a luxury car without spending too much money, but also got a high credit card that could not be done under normal circumstances, killing two birds with one stone. At the same time, "enthusiastic" Gao Xiao also helped Lao Li contact a car guarantee company for mortgage loan. With superior conditions and one-stop service, Lao Li felt that he had no reason not to trust each other.

Gao Xiao took out a contract, and Lao Li simply looked at it and signed it.

On the day of buying a car, Lao Li and Gao Xiao met in the garage. Lao Li took a fancy to a Cayenne with a total price of more than 654.38+0 million. After signing the contract, Gao Xiao immediately paid a down payment of 300,000 yuan for Lao Li.

Lao Li looked at his car and narrowed his eyes with excitement, but he didn't intend to drive away.

"Lao Li, put the car in my place first, and when the credit card is done, I will return the car to you if you pay me back!" Say to Lao Li politely. Lao Li nodded-this is stipulated in the contract, because it takes time for the credit card agent to pay back the money, and the car was placed at a small height before Lao Li paid back the money.

Gao Xiao drove away, and Lao Li reluctantly watched the car leave. He didn't expect that this was the first and last time he saw the car. In the next few days, Lao Li eagerly looked forward to receiving a credit card to change cars, but what he waited for was a short message on his mobile phone, "The credit card you handled at XX Bank has been overdrawn by XX million." Lao Li was surprised and contacted Gao Xiao at once, but Gao Xiao never answered the phone.

On the same day, Lao Li was accompanied to the police station to report the case, as well as the unlucky car guarantee company. The employees of the company said that besides Lao Li, there were two Taizhou people who made guarantees in the company and were cheated by similar tricks, a BMW X5 and a Porsche Paramera. The guarantee company installed GPS in the car. After being cheated, they found that the car appeared somewhere in Henan.

The police have launched an investigation into the case. At the same time, the police reminded that zero yuan to buy a car, pay the down payment, and apply for a credit card. It's all the usual tricks of fraudsters. Don't be cheated. Mortgage car purchase also needs to go through formal channels such as banks and guarantee companies.

I would like to remind all car buyers that they must be vigilant when preparing to buy a car, take formal channels, and can't trust the pies falling from the sky to prevent being fooled and causing disputes.