Complaints kept coming, but almost repeated complaints failed. Is car financing lease misunderstood?

"At first, I thought I was buying a car, but later I found out that I was renting a car, and the interest was still very high ...", most users who complained about the car financing lease service said this.

At the end of 20 17, Mr. Chen, who lives in Nanchang, bought a brand-new Magotan with a down payment of more than 20,000 yuan. After paying the monthly rent for a period of time, he suddenly offered to return the car to the platform. After the communication with the platform staff failed, Mr. Chen filed a lawsuit, demanding the termination of the contract on the grounds that "buying a car" was changed to renting a car and the interest rate was too high.

However, after the first trial, losing the case, appealing and second trial, Mr. Chen finally lost the case and needed to continue to perform the contract.

The change from "buying a car" to renting a car and the high interest rate have also become the two most mentioned negative factors in car financing leasing. Similar complaints and news reports can be found by a casual search on the Internet. However, when these complaining users take up legal weapons and sue the car financing rental service platform, it is another matter. The editor searched for the dispute of automobile financing lease contract through literature network and found that most users (plaintiffs) lost the case, so Mr. Chen in Nanchang was not a lost case.

When it comes to car financing leasing, many people's first impressions are negative. But in fact, despite some negative comments, the market scale of auto financing leasing is growing rapidly. Some third-party research institutions predict that the market size will exceed 200 billion in 2020.

On the one hand, it is negative public opinion, on the other hand, it is a rapidly growing business scale. Even in litigation cases, the car financing leasing platform is the more "supported" party in the litigation request. In recent years, car financing leasing has been criticized. Deserve it or misunderstand it?

Can car financing lease realize "buying a car"?

Although the car financing lease contract has a certain lease term, in fact, this model can realize "buying a car", that is, vehicle transfer. Take Ping An Car Manager as an example. In 48 lease contracts, generally after 12, you can choose to transfer the vehicle, and the user will buy it out and become the owner of the vehicle.

There are two reasons why I started with "renting a car". First, traditional car loans have a down payment ratio limit, and fuel vehicles must not be less than 20%. If the vehicle is transferred at the beginning, the user can't pick up the car with a down payment of 10% or even lower when the capital flow is tight.

On the other hand, unlike traditional car loans, the car financing leasing platform can't receive all the car purchases at first. If you transfer the vehicle at this time, you will undoubtedly bear great risks.

High interest rate? Facing the sinking crowd, fill the service gap

There are also many criticisms about the high interest rate of auto financing lease, especially the zero interest car purchase policy provided by auto finance companies of major OEMs. Compared with the two schemes, there is indeed a certain gap.

However, it is worth noting that at present, China's automobile financing leasing service mainly faces the sinking crowd, which belongs to the vulnerable group under the traditional financial credit system and is difficult to obtain low-cost financial services. From this perspective, car financing leasing service is to fill the service gap in this area.

In the final analysis, car financing leasing is more for two relatively special groups. One is that the down payment is not enough but you want to use the car; The other is the owner who wants to drive a luxury car, but needs to reserve funds, such as reserving funds for business turnover.

The first category accounts for the majority, and these car owners are mainly distributed in second-and third-tier cities and small towns, belonging to groups that banks and auto financing institutions don't like very much. The second group, many small business owners or individual businessmen need to reserve more funds, so the low down payment of financial leasing can just meet the needs of these two groups.

Aside from objective factors, is the car financing leasing platform responsible for the current negative public opinion? The answer is yes. At present, the main problems of most car financing leasing platforms are nonstandard service, salesman's anxious bill of lading, intentional guidance or insufficient information.

But different platforms have different management measures for this. Ping An Car Manager has formulated a set of perfect and rigorous service management system, which requires all front-line staff to fully inform the information and avoid the "contract blind spot" in users' cognition. Only when the user fully understands the contract and service can the signing be approved.

Once the service process is standardized, the advantages of auto financing leasing service will be further highlighted. Take Ping An Car Manager as an example. First of all, most models offer 10% down payment, which reduces the down payment pressure. At the same time, it provides 48-60 lease repayment periods, so that users have more turnover space and the financial pressure will not be too great. Therefore, car financing leasing provides users with more and more flexible choices. After the first lease, they can choose to renew the lease, transfer the ownership or return the car.

What should I pay attention to if I want to choose direct rent?

1. contract terms, contract terms, it's not enough to say this three times. The root of many complaints and disputes lies in the misunderstanding and ambiguity of the contract terms, so we must read the contract terms clearly.

2. Choose a good plan, especially the lease return period and transfer plan.

3. Platform word of mouth, although all major platforms have some negative news more or less. But in general, we still have to choose a large-scale and formal platform. Small platforms of local nature should be avoided as much as possible. If you want to pick up your car through the car financing lease service, you may wish to meet the diversified car demand through the theme areas such as "monthly payment package", 0 down payment, low monthly payment, luxury car and official car of Ping An Car Manager.

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