1, falsely promoting "zero down payment" and "interest-free" concessions. In order to attract them, some 4S stores may slogan "zero down payment" and "interest-free" to attract them, but when signing a car purchase contract, they will charge more from other channels and actually do not enjoy many concessions.
It is compulsory to buy full auto insurance. Some 4S stores will require insurance from designated insurance companies, and even require full insurance in the first year and insurance deposit in the second year.
If you want to change insurance companies, the insurance deposit will not be refunded in the second year.
3. Sign a financial lease contract without consultation. Some loan companies will sign a car financing lease contract directly with the other party without notice, instead of a car loan contract.
In this way, the relationship between the two parties is not a loan relationship, but a lease relationship. The ownership of the car is actually still in the name of the loan company, and it may be necessary to pay another fee for the transfer after the expiration.
4. The concepts of "down payment" and "down payment" are vague. In the car purchase agreement signed with, the 4S store marked the deposit paid as "down payment" instead of "down payment".
In this way, if you intend to return the car because the car loan you applied for was rejected, there is reason to refuse to return the deposit.
5. Falsely reporting the real interest rate of auto loans. When introducing the interest rate of buying a car by mortgage, the staff deliberately only mentioned the lowest interest rate standard, misleading the purchase with "low interest rate".
When signing a loan contract, the loan interest rate actually agreed in the contract is much higher than the lowest interest rate verbally stated by the staff.
6. charge extra fees in various names. When buying a car with a loan, 4S stores generally charge a handling fee. Ask in time, generally speaking, the handling fee is for financial institutions.
However, formal financial institutions are forbidden to charge loan fees, so this is actually the fees charged by dealers themselves.
7. Falsely reporting the purchase tax paid to automobiles. Some 4S shops will take the initiative to pay the purchase tax for the cars they buy, and then they may take the opportunity to raise the price when charging, so it is recommended to pay the purchase tax as much as possible.
In addition, in fact, if you are looking for a 4S shop, the 4S shop may also charge more.
8. The composition of the car price is not specified. The 4S shop did not explicitly introduce it. Many offer landing prices, and then a lot of so-called preferential prices may be listed. If you are not clear, it seems that it is more favorable to sign the agreement directly. The actual money to be paid is higher than the real price. It is recommended to ask the price of bare car directly when buying a car.
9. The condition and source of the car are unknown. Some car dealers are not standardized. When recommending cheap prices to some cars with insufficient budget, the cars provided are not formal channels. Many are cars with incomplete production certificates and unclear ownership, such as mortgage cars, French cars, or cars that have changed from business to non-business.
10, the loan company impounded the vehicle. The loan company may detain the vehicle registration certificate on the grounds of guarantee and install a positioning device on the vehicle. If the repayment is overdue, the insurance is not insured with the designated insurance company, and the positioning device is abnormal, it is possible to take the vehicle away under the banner of breach of contract. If you wanted to get the car back at that time, you might have to pay a large towing fee.
Don't take the problem of overdue online loans lightly, because in addition to collection, personal credit will also be affected. In particular, online loans with credit information, once they have overdue records, will have a serious impact on future bank loans or credit cards. Even if the online loan cannot be credited, the data can still be recorded. You can check your online loan history, overdue details, liabilities, untrustworthy information and online loan blacklist in "Kingfisher Data".
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How to decompress after the mortgage car is finished?
After the mortgage car has repaid the loan, if you want to release it, you must first go to the car loan handling bank (auto consumption finance company) to go through the loan settlement procedures, get the loan settlement certificate and get back the vehicle registration certificate.
After getting it, you can bring the loan settlement certificate, vehicle registration certificate and personal ID card, vehicle driving license, driver's license and other materials to the local vehicle management office to understand the mortgage procedures.
It should be noted that some banks (auto consumer finance companies) do not need to take the initiative to go to the outlets to handle the loan settlement procedures, but will mail the loan settlement certificate and vehicle registration certificate to after paying off the car loan.
Just wait patiently for this.
After that, I will go through the formalities of understanding the pledge. Since there is no specific time limit, I will spend it whenever I want.
Of course, if I don't have time for the time being, I can entrust someone else to do it and just go to the notary office to open a power of attorney. Some 4S stores also provide agent publishing services (but a certain service fee may be charged).