Since ancient times, I can't keep my affection. Only routines are popular, such as buying a car with a down payment.

Can I buy a car with a down payment? It seems attractive, but there are routines everywhere.

At the end of the year and the beginning of the year, many people are preparing for the Spring Festival, among which buying a car has become one of the best preparations for car-free people in recent years. One is for convenience, and the other is for window dressing. After all, visiting relatives and friends and exchanging pleasantries (showing off) have become a major feature of the Spring Festival. Because of this, car dealers will engage in various preferential activities to attract users before the year. However, no matter how attractive the activities are, only those who have the financial ability can enjoy them, and those who are cash-strapped can only watch them.

However, I have to admire the merchant's mind. Since customers don't have much money, can you come up with an exclusive car purchase plan for those who don't have money? Thus, the 0 down payment car came into being! I have to say that this scheme is very attractive, especially for some young people who are born in society and have strong vanity.

First of all, many people don't know that according to the "Measures for the Administration of Automobile Loans" promulgated by the People's Bank of China, the down payment ratio of automobile loans should not be less than 20%, and this zero down payment obviously violates this principle, which means there are doorways!

Buy by rent

This is a relatively transparent way to buy a car in the 0 down payment, which is somewhat open-minded. Quite simply, the form of renting a car will be transferred to buying a car. Under normal circumstances, the 65438+ million-class model can be driven on the road around 5000, and it does not need insurance or licensing. Imagine, how can there be such a good thing under the sun? After all, the car is a big object!

So the next payment method is routine. The monthly payment in the first year will not be too high, and most of them will be controlled at around 3000 yuan. However, the first year is a lease, which means that the monthly payment you pay is actually a lease. After driving for one year, you can choose one of various ways to pay off the rest of the car and then transfer it to your own name. But when you pay off all the money, you will find that the cost you pay is far higher than the value of the car itself, and it may even be exaggerated to buy two cars.

Intermediary advance, earn interest

Some car dealers or intermediaries will attract customers to buy cars in the form of 0 down payment in order to maximize profits. But in fact, the seller will help you pay for the car, and then take your identity and the car you bought as collateral. In fact, the loan money went to him, and in this project, you will pay super high interest, handling fees, service fees and so on. 654.38+ million cars, and these extra expenses add up to about 30 thousand. To be tough is to pay interest first and then the principal. He is a lender himself, and the seller earns money!

Of course, it is also possible to meet a black-hearted intermediary.

Since it is a down payment of 0, you definitely need an identity information loan. These intermediaries will mortgage the car you drive for cash flow, and your identity information is enough to get a large loan. But people who buy cars don't know this, only know that they have to pay it back every month. I don't know how much I paid back in the end. When you find that the money you paid back is different from what you agreed, you can't find anyone else! And the loan is your identity information, so you are heavily in debt. Of course, this is already a fraud. You can call the police if you encounter it, but you will be angered!

Write it at the end

The reason why the down payment will appear is also because there is demand in the market, especially the demand of young people. Consumption in advance has become a fashion, which gives this group of businessmen an opportunity! Let's not talk about the right or wrong of spending in advance, but as young people, we must do what we can, don't hit our faces, and don't get fat. One day, we will show our true colors. Of course, it is also a good idea to choose 0 down payment for the monthly repayment ability. But if the 0 down payment you encounter makes you feel that you have earned it, which is similar to the money used by others to buy a car, it will probably be a routine.

Under normal circumstances, the handling fee of 0 down payment is high, and the interest of 10,000 yuan is normal for a car with 65,438+10,000 yuan and the financial plan of the manufacturer. However, if you listen to the 0 down payment plan outside and feel that you have lost more than 10 thousand interest, then wait for the routine. How can a pie fall from the sky? Still the same sentence: "I can't stay in love since ancient times, only routines win people's hearts"! Why do so many car owners with a down payment regret it? It's nothing more than a trick!

As for whether you can buy 0 down payment, you can go through formal channels, regardless of the high interest rate and monthly repayment ability, but if you can't get so much money at the moment, of course you can choose to buy it! However, this kind of 0 down payment is the car price 0 down payment, and it also needs to pay purchase tax, licensing fee, insurance premium and so on!

This article comes from car home, the author of the car manufacturer, and does not represent car home's position.