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).

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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.