Nowadays, the automobile industry is developing faster and faster, and there are many brands in the automobile market. Many people choose to buy a car as a means of transportation when their hands are relatively loose. But most of them buy cars by installment, and few people buy cars in full. At first, the minimum down payment for a loan to buy a car was 30%. Now there are many policies for buying a car with zero down payment, and merchants claim that they can drive home without spending a penny. Many car owners found it convenient and the pressure was not too great, so they all moved. However, will the merchants really be so kind?

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Someone broke the news online. The owner, Mr. Zhang, bought a Kia Chi Run with zero down payment at Kia 4s store. Official guide price139,900 yuan. After various subsidies, only130,000 yuan. However, Mr. Zhang didn't have enough money, so he took a fancy to this Kia, so he was attracted by the slogan of zero down payment for car purchase played by 4s shop, and gritted his teeth and bought this car. But just a month later, he cried sadly and said that he had been cheated. The original zero down payment refers to the zero down payment of the car, but other purchase tax insurance, handling fees and licensing fees have to be paid, and Mr. Zhang has paid a lot. In the early stage, he has been paying nearly 40,000 yuan to drive the car home.

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To tell the truth, the law does not allow zero down payment to buy a car. There is also a down payment ratio for buying a house. If a bank loans to buy a car, the down payment ratio should not be less than 40%. Even for users with good credit information, the minimum down payment ratio can only be relaxed to 30%, and some individuals or small financial institutions have a lot of room for operation when lending money. They usually invoice a car worth 200,000 yuan for 400,000 yuan, and then they can increase the loan amount, but the obvious purchase tax and insurance costs will be much more expensive than buying a car normally.

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The price of Mr. Zhang's zero down payment is a loan of 6.5438+0.3 million yuan. His car was invoiced twice by the dealer through special channels, but Mr. Zhang found that the purchase tax on this car alone was nearly 25,000 yuan. Together with the handling fee, licensing fee, installation fee and so on, the total price of this car has exceeded 654.38+0.8 million. Now Mr. Zhang has a headache. 1.3 million yuan car, obviously attracted by the slogan of zero down payment, but it cost 50 thousand more.

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Bian Xiao commented that Mr. Zhang bought the car on the spur of the moment and fell into the trap of the car 4s shop without carefully reading the sales contract. Buying a car now is much more expensive than a normal loan, so the slogan of zero down payment in many 4s stores is deceptive. I hope everyone will take a warning. Moreover, Mr. Zhang's car is in a state of mortgage, that is, there is no big capital, which means that the ownership of the vehicle in the later period will also have risk factors.