One: What does the interest-free policy mean?
Buying a car with an interest-free loan, as the name implies, is to set the interest of the loan to zero, and only need to repay the principal of the bank. However, interest is the profit point of these lending financial institutions.
There are two common loan methods in the market. One is 1-3 years interest-free loan, which is also the most common mortgage method in the market at present. Consumers only need to pay the principal, and all the interest generated during the period shall be borne by the dealer. However, only within the interest-free period stipulated by the manufacturer, the repayment is zero interest, and the expenses generated by interest will be paid normally in the remaining months; The other is 13 month interest-free loan. The longest term of this method is 13 months, and the repayment within the specified period is zero interest, and early repayment is not supported.
Two: What does it mean to buy a car for three years without interest?
However, only within the interest-free period stipulated by the manufacturer, the repayment is zero interest, and the expenses generated by interest will be paid normally in the remaining months. The other is the "three-month interest-free loan method", the longest term is three months, and the repayment within the specified period is zero interest, and early repayment is not supported. Personal valid identity certificate for loan to buy a car; Household registration certificate or long-term residence certificate (proof of residence such as water and electricity, China bill, etc. can be provided). ); Personal income certificate, and provide family income or property certificate when necessary; Work certificate of current unit.
Three: What does it mean to buy a car for two years without interest?
Many of them are interest-free for two years, but there is a handling fee. There is nothing special, that is, every month is more than three years.
Monthly Payment * Term Loan Amount = Interest
Let the car dealer do the math for you and it will come out.
Four: What does it mean to buy a car interest-free for one year?
"When I heard that I wanted to buy a car in full, I was enthusiastically introducing the sales of the car and immediately turned my face away from me. Buying a car in full is so unpopular? " Speaking of the experience of going to the auto show in June this year, Ms. Wang of Zhengzhou is still at a loss.
Ms. Zheng's experience is not a case. According to media reports, Mr. Zhao of Xinjiang took a fancy to a car in Saibott Exhibition Hall of Urumqi on June 3, negotiated with the sales staff to pick up the car in full, and paid a deposit on the spot. When Mr. Zhao went to pick up the car, he was told by the 4S shop that he had to buy a car with a mortgage and the deposit would not be refunded.
After visiting a number of automobile sales stores, Zhongxin Jingwei found that except for some new energy automobile enterprises with direct stores, almost no sales staff wanted consumers to buy cars in full.
"It's very strange to buy a car these days. There is no discount for the full amount, but the mortgage can be 70,000 to 80,000 cheaper. " Some consumers have issued such questions on social platforms.
Why is it that the transaction method of paying off the car in one lump sum and clearing the goods is not welcomed by the sales staff?
It's not cheap to buy a car in full by installment?
At the beginning of May, Ms. Zhao, who lives in Zhengzhou, took a fancy to a car in a BMW 4S shop in Zhongyuan District. The next day, when Zhao Nvshi was ready to pay in the 4S store, the salesman told her that all the discounts discussed the day before would not count because they were in full. "I told you about those proposals yesterday, but did I sign the document?" The salesman asked Zhao Nvshi. According to Zhao Nvshi's memory, when we first talked about the price, the salesman said that we could give a discount of 8,000 yuan on the basis of 370,000 packages and send them for five maintenance.
Some car owners told Zhongxin Jingwei that it is nothing new to buy a car in full as a loan. Mr. Dong from Xinyang, Henan changed his plan to buy a car in full because of the discount of 65,438+0 300 yuan. "The interest for two years is 1200 yuan, and I will give you a discount of 2,500 yuan." The sales of this store told Mr. Dong.
After visiting Zhongxin Jingwei as a consumer, it was found that some 4S shops can give car purchase 3 years interest-free and 0 handling fee discount.
When Zhongxin Jingwei consulted about buying a car as a consumer, the sales staff of a Fan Fei automobile direct store in Dongcheng, Beijing, began to strongly recommend a loan to buy a car.
"The total price of this Pro is 249,800, and the insurance is 5,000. There are two interest-free plans. One is a down payment of 30%, divided into 24 installments, with a down payment of 74,940 yuan and a monthly payment of 7,285 yuan. Second, the down payment is 50%, divided into 36 installments, with a down payment of124,900 yuan and a monthly payment of 3,469 yuan. " The salesperson introduced to Zhongxin Jingwei.
The loan scheme calculated by the above sales staff.
"Don't buy a car in full. The loan to buy a car is interest-free and free of charge, which is equivalent to lending you more than 654.38 million yuan for free. It's better for you to deposit Alipay than the full amount. And the process is fast, submit the application in the morning and approve it in the afternoon! " The salesperson told Zhongxin Jingwei.
An Audi 4S store in Beijing has also launched a consumer credit plan with 0 interest rate 12, covering new and used cars. This plan was made into a signboard and placed in many places in the store.
Advertising logo of Audi store
Not only did 4S stores use the 0-interest financial plan as a propaganda slogan, but a 4S store of Dongfeng Passenger Car in Beijing also made related billboards and placed them on the inside and outside walls of the store.
Billboards hanging on the outer walls of shops.
Although promoting zero interest, Zhongxin Jingwei found that there is still a handling fee of about 3,000 yuan to pay for buying a car by stages.
The salesperson of the above-mentioned Dongfeng passenger car shop told Zhongxin Jingwei that if you want to buy a car by stages, you need to pay a handling fee of 3,000 yuan.
"As long as you buy a car in installments, you need to pay this money. This 3,000 yuan is directly handed over to the bank that provides the loan, and it has nothing to do with our store. " The salesperson of Dongfeng passenger car store said.
Many 4S stores say that although there are handling fees, it can reduce the financial pressure on customers. "The full amount can be used for financial management, and the handling fee can be earned back in two years."
According to the staff of the aforementioned Audi store, there are two bank employees in the store who have worked in the 4S store for a long time, which is convenient for providing financial solutions for consumers and supervising the assets belonging to the bank in the store.
Practitioner: sales are trapped in loan penetration.
Zhang Xiang, an expert in China Bolian think tank, believes that the difference in profits is the reason why salespeople recommend loans to buy cars. "There will be a handling fee for car loans, and sales personnel can also get commissions from loans and other links. This difference in profits also leads to different attitudes of salespeople towards full payment and loan customers. " Zhang Xiang said.
Some insiders pointed out to Zhongxin Jingwei that the profit of a single loan car is two to three times that of the whole car.
"Take a car with a down payment of 30% and a total price of 200,000 as an example. A down payment of 60,000 yuan requires a loan of 6,543,800 yuan+0.4 million yuan. The handling fee is about 3% of the loan, which is 4200 yuan. 4S shop loans are also introduced to financial institutions such as banks, and banks generally give 4S shop loans a rebate of 3%, that is, 4,200 yuan. In addition, loan cars generally require the owner to purchase full insurance, and most of the full models have no hard requirements, so 4S stores can also get a rebate of about 1000 yuan from insurance. " The person said.
Tian Feng (not his real name), who is engaged in automobile sales, told Zhongxin Jingwei that the sales commission he can get from selling a full-model car ranges from 200 yuan to 300 yuan, while the sales commission of a loan car is at least twice that of a full-model car.
There are media reports that interest-free loans are only for car owners, but in fact, car manufacturers and sales stores are subsidizing interest. Therefore, in the process of installment payment, 4S stores have to charge consumers financial service fees, while relevant car companies say that the so-called service fees are the behavior of 4S stores and have nothing to do with car companies.
Sales staff of Fan Fei Automobile told Zhongxin Jingwei that the handling fee was zero because the financial services were provided by SAIC and belonged to Fan Fei Automobile, which was only to boost sales.
SAIC Finance and Industrial and Commercial Bank of China provide financial services.
However, not all financial services provided by car companies can be free.
The sales of a BYD 4S store in Beijing told Zhongxin Jingwei that the financial services provided by BYD can be interest-free, but they can't be free of fees, while the financial services provided by banks can neither be interest-free nor charge fees.
Practitioners say that loans can lengthen the front. One installment loan is three to five years. Insurance, car repair, claims and other links must deal with 4S stores. After a few years, 4S stores will have no chance to make money. In addition, if consumers handle the installment and prepare the full payment, there will be no pressure to pay only the down payment, and consumers may turn their target models to models with higher total price, so that the profits of such cars will be higher.
Tian Feng said that the salespeople tried to promote the loan to buy a car because they didn't want to be deducted. "In fact, it is recommended that customers buy cars in stages not to earn commissions, but to meet the criteria for loan penetration evaluation. The loan penetration rate refers to the proportion of the number of loan cars to the total sales volume in an assessment period, which is related to the sales volume, the installation volume of fine products, the replacement volume of used cars and the transaction rate. All these are indicators for evaluating sales. If they don't meet the standard, the money will be deducted. Extreme stores will even ask for sales without selling the whole car. " Tian Feng said.
"As long as this sales model does not change, the difference in attitude of sales staff towards full-payment car purchase and loan car purchase will not change." Zhang Xiang said. (Zhongxin Jingwei)
V: What does the interest-free discount mean?
An interest-free car loan is a loan without interest. Just pay back the principal.
Car loan is a loan issued by a lender to a borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Article 6 The taxable value of taxable vehicles as stipulated in the Vehicle Purchase Tax Law of People's Republic of China (PRC) shall be determined in accordance with the following provisions:
(1) The taxable value of taxable vehicles purchased by taxpayers for their own use is the total price actually paid by taxpayers to sellers excluding value-added tax;
(2) In taxable value, where taxpayers import taxable vehicles for their own use, customs duty and consumption tax shall be added to the customs value;
(3) The taxable value of taxable vehicles produced by taxpayers for their own use shall be determined according to the sales price of similar taxable vehicles produced by taxpayers, excluding value-added tax;
(4) If a taxpayer obtains a taxable vehicle for his own use through donation, award-winning or other means, the taxable value shall be determined according to the price specified in the relevant vouchers when purchasing the taxable vehicle, excluding value-added tax.