CCTV exposed the sales trap of 4S stores and actively guided people to buy cars with a down payment of 0 yuan and zero interest?

Bitauto News According to "CCTV Finance", recently, CCTV reporters randomly visited several car brand 4S stores in Taiyuan, Shanxi. The sales staff of the 4S stores will actively promote zero interest and zero down payment for car purchases, which makes some Consumers who could not afford the full amount were tempted. However, does buying a car by installment really have such great benefits? This sales method does seem to give consumers an advantage, but it also makes people wonder, what kind of money are 4S stores making?

In several car brand 4S stores in Taiyuan visited by the reporter, although they all have installment plans, which can be low-interest or interest-free, there are also some additional conditions. For example, before going through the installment procedures, the 4S stores will Charge consumers a certain service fee.

A salesperson at a 4S store gave an example: "The price of a car is 120,000, and you can borrow 120,000 with zero down payment. You only need to pay insurance and house fees. If the down payment reaches more than 50%, you can do it for 2 years." Zero interest, loan of 68,000 yuan, no interest for 2 years.”

The salesperson said that the reason for the low interest and discounted interest is because the loan partner is not a bank, but the manufacturer’s own financial center. The bank and What is the difference between financial centers in terms of loans?

A salesperson at a 4S store: The manufacturer provides subsidies. Normally, 10,000 yuan, with an interest of more than 500 yuan a year. After the subsidy, you only need to pay more than 300 yuan a year for 10,000 yuan. You can also cooperate with banks, but banks do not provide subsidies and no manufacturer has an advantage.

A salesperson at a 4S store said: In order to provide loans to consumers, we set up a financial institution, and we have to have someone to charge fees reasonably and legally. The fee is based on 5 points of the loan amount. If you borrow 50,000 yuan, I charge 2,500 yuan. The cap is RMB 5,000 for those above RMB 100,000.

Lawyer Han Qian said: In the case of installment payment, the 4S store provides financial product introduction, assistance with loan processing and other intermediary services, so it has certain legitimacy to charge service fees, but the premise is that the company has Corresponding financial service qualifications, otherwise there will be no legal basis. Unfair and unreasonable trading conditions shall not be set, and transactions shall not be forced. When purchasing goods or receiving services, consumers have the right to refuse forced transactions by operators.

Han Qian said: “When consumers sign a car purchase contract, they must carefully review the terms of the contract and carefully inquire about the content and basis of each charge item. For unreasonable or illegal charge items, they should Refuse decisively and complain to the relevant departments.”

CCTV reminds consumers that there is no pie in the world. Buying a car with zero down payment and zero interest is euphemistically called a benefit to consumers, but in fact there are various potentials. The cost is also quite high. What items are collected, how they are charged, and how much they charge must be transparent and reasonable.