It is said that there are many tricks for car loan, so what are the tricks?

As competition among car manufacturers becomes increasingly fierce, customers can enjoy more and more benefits and conveniences when purchasing a car. For some children who have just entered society, they want to buy a car, but are too shy to say so. Buying a car with a loan is one of the good options; currently, almost all 4S stores will provide this service. However, Cheyu World would like to remind everyone that, like other purchases, buying a car with a loan is not without its pitfalls. Especially when purchasing large items such as vehicles, special attention must be paid.

First of all, we must be wary of the marketing slogans of 4S stores. Many friends may have had this impression. Walking into a 4S store, they saw "0 down payment, only 30 yuan a day, and a car worth 150,000 yuan to take home." "Slogans like this can hardly help but arouse people's screams. However, Cheyu World would like to remind everyone that even if you only refund 30 yuan a day, it will only be 900 yuan a month. Including fuel and maintenance costs, the monthly cost is more than 1,000 yuan. In addition, you should pay attention to find out the loan interest rate to avoid being "overwhelmed" in the future. As for "0 down payment", the state clearly stipulates that the minimum down payment for new energy vehicles, new cars, and second-hand cars is 15, 20, and 30 of the purchase price respectively. What they call "0 down payment" may be tricky.

There are conditions for buying a car with a loan. You should keep your eyes open and pay attention to it. Generally speaking, when buying a car with a loan, in addition to paying attention to the specific details of the loan and seeing if there are any other additional expenses, you should also pay attention to it. Find out what types of loans are available before buying a car to avoid finding a good model but not getting a loan. Buying a car with a loan does not belong to you. Although you have a car owner loan, you should be careful to prevent the car you bought with a loan from being mortgaged twice by the dealer to avoid unnecessary trouble in the future. Generally speaking, the probability of this happening is relatively small, but you should be vigilant.

Be clear about the repayment situation. Before taking out a loan to buy a car, you must pay attention to how to repay the loan clearly to avoid affecting your credit record due to non-payment at that time. Don’t be careless when signing a contract. Some people are not familiar with many aspects because it is their first time buying a car, so it is easy for them to be deceived by the dealer. For example, if you are asked not to fill in the blanks for the amount required in the contract, this may cause you a lot of trouble in the future; after all, legal knowledge is evidence.