What is the one-year interest-free introduction of 4s stores? You really don't want interest?

First, what is the one-year interest-free introduction of 4s stores? You really don't want interest?

This is not introduced by 4S, but by automobile brand manufacturers.

There is really no interest, but the handling fee is still the same.

Second, some people say that most cars are now interest-free for two years. Is the 4S shop really interest-free?

Hello, I'm a car sales consultant. I can give you a brief explanation.

First of all, to answer your question, it is really interest-free.

For example, I sell China cars, such as our China V7, the car price is 135900, and I can get a loan of 80,000 yuan, interest-free for two years, and I have to pay (every store has to charge) other fees. Imagine giving you 80,000 yuan, interest-free for two years, and only charging 3,000 yuan for service. Do you think it's worth it? Personally, I think it is quite cost-effective.

Of course, you can also take this 3000 yuan as interest, but there is no free lunch in the world.

hope this helps

I can assure you that there is no such thing as a free lunch. The so-called interest-free lunch is actually the interest subsidy given by manufacturers to promote vehicles. For example, if you mortgage a loan of 50,000 yuan, for two years, the mortgage is low, but the interest is still there. Some manufacturers sell cars for promotion, so take them casually. There is no such thing as a real exemption from your interest.

But there is a burden of interest here. If you mortgage a car, you still have to pay the so-called service fee to the 4S shop. This is what 4S stores must earn. 4S stores make money by mortgage fees. Now you can mortgage a handlebar when you buy a car, because you can't make much money on the price of the car now, and you can only earn money by mortgage fees or other decoration conditions.

If there are conditions, it is best not to mortgage the vehicle. If the vehicle is mortgaged, it will definitely cost a lot more than buying a whole vehicle. The money spent depends on the price of the car. For example, it may cost 50,000 to 60,000 yuan to buy a Mercedes-Benz and 56,000 yuan to buy a cheap car. These are hard conditions. Generally, there is no such thing as interest-free when buying a car. Factories are manufacturers' subsidies, but some 4S stores get in the way. Actually, there is no interest-free one. What do you think of the so-called interest-free?

First, you need to know how much the loan will cost. General interest exists in three ways.

First of all:

Second: the interest is all reflected in the down payment, and the monthly payment is exchanged for the principal;

Third: in the monthly confession.

Let's make a popular analogy. You borrowed 1 ,000 yuan from a friend, 1 year, and promised to pay interest 1, 200 yuan, so the monthly payment (833; Maybe you also invited him to eat a meal, and spending 0 is the down payment interest. Be sure to read it when you don't give interest.

So, is it interest-free for two years? The answer is of course.

Usually, the loan amount of this scheme will be around 60 thousand yuan. According to the calculation of three points in a normal bank, the actual interest will be 3,600 yuan.

Car dealers generally have fixed third-party financial companies, and manufacturers will also reflect their policies to dealers in the loan process, so there will be a certain interest subsidy, so this interest can almost be covered, and the company will also give some rebates to 4S stores according to the loan amount. However, if you do interest-free, you will usually charge a handling fee of around 3000?

Therefore, if you make an interest-free loan, you always have to say, I must ask how much it is all-inclusive, and the monthly down payment x the number of loan periods is the final amount you have to pay back. Don't go back and find thousands more in the whole bag. These thousands are extra for the month. When you go back to the store, you can't explain it.

One more thing. The relationship between the handling fee, licensing and other additional expenses and the price of the car is just like the left pocket and the right pocket. Just like the interest of 3600 just now, if the car price is a little more than 5000, it will not only give you interest-free but also give you an extra 1 thousand oil card. So don't just stare at one pocket. Finally, I wish you a new car as soon as possible. !

At present, automobile OEMs, financial companies and 4S stores will engage in some short-term zero-interest promotion activities. Many consumers are dubious about this seemingly falling pie in the sky and worry about what new routines they will win. In fact, two years or one year is interest-free, or whatever. Just remember the following criteria for judging the quality of auto finance products. No matter what kind of flowers you encounter in the future, you only need to judge by these standards. Meeting the standards is a good financial product, isn't it.

1, let's see if it's an activity done by the finance company of the automobile manufacturer or by the 4S shop itself.

This must be clearly distinguished, because it is probably the difference between genuine and cottage; At present, this kind of interest-free activity at the level of many manufacturers' financial companies is quite credible, so you must ask the sales clearly: "Is this an activity done by your manufacturers' financial companies or by your store itself?" "

If it is a short-term interest-free activity done by 4S stores themselves, you should pay attention. They have a routine, such as100000 loan with interest of about 8000 for two years, giving you a few thousand less in car price concessions, then selling you several thousand more in decoration, making up 8000 at both ends, and then telling you how to borrow100000 for two years without interest, and robbing Peter to pay Paul. It will also tell you how high the interest rate is, highlighting the value of their interest-free activities. In fact, the method of identification is very simple: first, you have to know the market price of this car yourself; Second, you ask him to bring the loan contract. See if it's marked with zero interest rate for two years.

2. Look at the down payment.

Although some have zero interest for two or three years, there will be harsh additional conditions. The most common thing is to ask you to pay a high down payment. For example, before FAW Finance, Audi A4L 18 was interest-free for one and a half years, but it can only be enjoyed with a down payment of more than 60%. In fact, you only got a loan of 40% of the car price, and it only lasted 18, so the actual interest really didn't exist. Therefore, high down payment interest-free activities are not cost-effective.

3. Extra expenses

Now, because of the Mercedes-Benz oil spill this year, the phenomenon of unreasonable charges for financial mortgages has been curbed. For example, you will find that many Mercedes-Benz 4S stores no longer charge financial service fees. However, other brands are still charging. Generally speaking, the reasonable market is that the loan fee or financial service fee does not exceed 3% of the loan amount. There are also some shops that will let you install GPS. Such expenses are generally several thousand yuan. According to different brand grades, the charges are different. In fact, it's all the same thing, the cost of 500 yuan.

So if it is interest-free, it is possible to cheat you on the financial service fee and GPS fee, and charge them higher to make up for the interest. Of course, there are likely to be other arbitrary charges, such as library fees and licensing fees. As long as you remember to calculate the general ledger, are all the expenses calculated beyond the market? If it is exceeded, it is stealing the column.

4. Specify special vehicle types

This is also a common routine. Generally, it will be used in slow-moving models or configuration models that are not easy to sell. In order to promote the promotion policy of unsalable models, the support will be different. Just like buying a house, a high-rise apartment is more expensive than a low-rise apartment.

5. Types and years of compulsory insurance purchase

I have encountered a case before, that is, to accompany a friend to buy a car. Two years is really interest-free and the financial handling fee is appropriate. But they have a requirement that the insurance must be all risks, that is, to buy all kinds of insurance, such as natural insurance, water insurance, broken glass and so on, and to buy insurance for three years at a time. This is very interesting. In fact, it is reasonable for financial companies to let you buy theft insurance, but it is not necessary to buy all kinds of insurance. I also bought insurance for three years at a time, and the 4S shop rebate of the three-year premium covers those interests. It's a good thing I'm so beautiful.

There is no need to completely exclude such interest-free activities in the future. As long as you can settle accounts by yourself, you won't be fooled by the above standards.

The reason why car companies and banks are willing to provide free discounts for car consumption is simple. With the continuous growth of car ownership for more than 20 years and the explosive surge in recent ten years, the car ownership has reached the primary saturation of the first stage after exceeding 240 million vehicles. To put it bluntly, the car can't be sold. After the first batch of consumers who have mastered certain wealth are digested, how to find the second batch of potential consumers who are upgrading their consumption becomes a problem.

Then, under the premise that the car purchase budget is not enough to buy a car in full, it is obviously more attractive to launch installment financial services without other expenses, because in the eyes of consumers, they can enjoy car life in advance without increasing the cost of car purchase; The same is true if you put yourself in the other's shoes, which is why you make consumers want to buy it without discount.

However, there is no strict industry service charge standard for automobile terminal sales, and the interest-free discount itself is good, but it has deteriorated after the terminal is implemented, because the interest is calculated by stages and changed to a small amount at one time.

If you read the car purchase contract carefully, you will find that there are two additional charges. The first one is the financial service fee, which is also the service fee for the store staff to assist consumers in the installment procedures. And many brand car companies provide phased financial solutions, which are provided by financial companies under the car companies. Its "labor intensity" is only the consumer information uploaded by the sales end, and the source of goods inquires whether the credit information is up to standard. Is it too much to charge several thousand yuan for service?

As for the phased plan of cooperation between car companies and banks, the procedures and processes should be publicized, and it is difficult for consumers to choose whether to handle it themselves or the sellers. Therefore, this staging method should not have excessive service fees, and the standard of at least several thousand yuan is always too high; Therefore, the discount-free discount is not really a free discount, but a gimmick for car companies or sellers to lower their standards in another way according to a certain proportion, attracting consumers without reducing their own income.

It can be understood that free concessions are one of the macro-control measures of policies and one of the ways for car companies to save themselves. There is no problem in analyzing and evaluating from a high-level perspective; The real problem is that there is no industry standard at the sales end, and it is still impossible to get something for work in the charging standard.

The second common unreasonable charge for car purchase by installment is insurance deposit, that is, the deposit collected by the seller, which is used to bind the owner to go to the store to insure auto insurance during the repayment period; The reason for this is simple, because auto insurance and sellers are cooperative. If the seller doesn't sell a single auto insurance company, it will expand the profit, and at the same time, the seller can get considerable commission. The two sides are mutually beneficial, so the seller always expects the owner to insure in the store.

However, the price of in-store insurance is always higher than that of telephone auto insurance, which is certainly not cost-effective for consumers; However, after charging a higher cost deposit, you have to choose in-store insurance and wait for the final recovery of the deposit. Of course, there are also sellers who ask for commercial insurance for two years at a time without charging a deposit when buying a car. This is actually a change of medicine.

The above are the common problems of car sellers selling cars by stages. Of course, these rules and regulations will be reflected in the car purchase contract. Many consumers didn't find out and the subsequent wrangling was because there was no contractual spirit; Most unreasonable clauses belong to "collusion" rather than "collusion". Whether you can accept it or not depends on yourself. Under the premise of insufficient budget, what can you do if you don't accept it and just need to use the car?

The same cost, in other words, many people who are willing to take advantage are eager for it. Interest-free many restrictions, loan amount, loan term, in-store insurance, renewal deposit, handling fee? Pay interest, say 3000 yuan, do a lot of interest-free miscellaneous fees, four or five thousand, free? There is no free lunch! Of course, some models do have real discounts, but they really benefit users very little. It is nothing more than a gimmick to attract customers and facilitate transactions.

I took a three-year interest-free loan from Pudong Development Credit Card. Don't press the green book, it's held in 4S shop! But it also costs 3000 yuan!

3. Is the interest-free car loan really interest-free?

First of all, answer directly.

Interest-free bank car loans are not subsidies for 4S shops, but are directly exempted, but attention should be paid.

Second, the specific analysis

1. Although some 4S stores slogan interest-free, they actually charge extra fees such as handling fee, service fee, management fee and deposit. In fact, they charge interest in another form. Did they actually enjoy a lot of discounts?

2. Some 4S stores have strict requirements for interest-free loans. For example, interest can only be exempted if a specific model is purchased.

Or you can apply for a certain period of time before you can be interest-free. For example, if you provide interest-free service for two years, you may apply for a car loan for three years, but you still have to pay.

Also, be sure to repay the loan on time, otherwise, once it is overdue, interest will be charged.

In short, you can apply for an interest-free car loan according to the instructions of the 4S shop, as long as the other party is not false propaganda, and then repay the car loan in installments on time according to the repayment plan agreed in the signed contract (if you have sufficient funds during the period, you can also repay it in advance).

You can get the online loan big data report from Xiaoqi Credit Information, which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.

Third, do you have to apply for a license in a 4s shop to buy a car?

You don't have to be licensed in a 4s shop to buy a car with a loan.

4s stores can provide users with licensing services, but this service is generally charged. If users don't want to pay this fee, they can choose to go to the vehicle management office to get their own cards.

You must bring your ID card, residence permit, vehicle certificate, car purchase invoice and travel tax policy to the vehicle management office (you can buy commercial insurance after licensing).

Of course, there are also some 4s shops with better services, providing users with free licensing services, which makes car owners save time and effort.

Is it true that 4.4s shops buy cars free of interest?

What is certain is that the two-year interest-free car loan policy of many car 4S shops is true. Generally speaking, these interest-free policies or preferential policies of 4S stores are activities directly undertaken by manufacturers, that is to say, the interest on car loans for two years is borne by the car factory, and 4S stores are responsible for publicity and promotion. For 4S stores, it is of course very happy to promote, and there are many extra profits in it. Let's calculate the next account.

We calculate the vehicle with 654.38+10,000 yuan. The down payment is 30% and the loan is 70%, that is, the loan is 70,000 yuan for two years. According to the current bank car loan interest rate of 3.75%, the total interest for two years is 3.75270000 = 5250 yuan, which is paid by the car factory, but the 4S shop basically does not have to bear or bear part of it. For consumers, it feels like a real discount, but friends who have bought car loans know that the extra cost of the whole car loan process is higher than this interest. In fact, it is not dominant.