If the other party is intentional, the customer needs to pay attention. Even if the money is paid later, the ownership of the vehicle still belongs to the car dealer, and the customer only has the right to use it during this period. If you want to get all the right to use the car, you must sign a conditional contract, in which the other party will hand over the ownership of the car after paying off the loan.
If the other party still asks him to pay, and the financial lease contract is signed without his knowledge, the customer can complain to the loan company, and if the dispute cannot be resolved, he can also choose to bring a lawsuit to the court.
Customers are advised to read the terms of the contract carefully before signing the contract, so as to avoid being confused by various court collections, or even being beaten by the other party, causing economic losses.
1. In recent years, some organizations or units specializing in car installment have used a new loan method to let everyone do car loan installment. His car loan method is not quite the same as auto trade. Automobile trade is paid in installments after the down payment. After the repayment is completed, the ownership of the replaced car will be yours. However, the institution we are talking about below has no down payment. Only monthly payment. After the repayment is completed, there will still be a part of the balance to be paid. If you are not satisfied, the vehicle will be taken back. If you don't understand the contract, you will mistakenly think that it is the same as ordinary car purchase.
If you don't understand the contract, you will mistakenly think that it is the same as ordinary car purchase by stages. If you don't want to pay the final payment, it becomes a lease.
How did the guarantee company sublet?
(1) The sublessor has customer resources, while the original lessor has sufficient funds. The sub-tenant realizes financing through the original lessor, and the original lessor participates in financial leasing by providing funds for the sub-tenant, thus expanding its domestic and foreign markets.
(2) Some large lessors set up overseas subsidiaries in order to realize the internationalization strategy and expand the overseas leasing market. In the process of developing leasing business, the parent company, as the original lessor, provides financing support for foreign subsidiaries, and the subsidiary company, as the sub-lessee, conducts leasing business in its home country.
(3) When the original lessor thinks that its customer's credit rating is low, in order to control its investment risk, it will find another company with higher credit rating to participate in the lease transaction, and regard the sublessor as the direct debtor of the original lessor, so as to play the role of guarantor as soon as possible to a certain extent.
(4) For some enterprises that have sufficient capital or resource advantages, but do not have leasing skills or leasing licenses, they can also conduct financial leasing transactions by selecting professional sub-lessors.
2. What are the transaction structures of sublease?
Article 22 of the Guarantee Law, one of the laws related to sublease, stipulates the transfer of the secured creditor's rights: "During the guarantee period, if the creditor transfers the principal creditor's rights to a third party according to law, the guarantor will continue to bear the guarantee responsibility within the original guarantee scope. Unless otherwise agreed in the guarantee contract, such agreement shall prevail. "
Article 19 1 of the Property Law stipulates: "During the mortgage period, if the mortgagor transfers the mortgaged property with the consent of the mortgagee, he shall pay off the debt to the mortgagee in advance or deposit the proceeds from the transfer. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor. During the mortgage period, the mortgagor shall not transfer the mortgaged property without the consent of the mortgagee, except that the transferee pays off the debts and extinguishes the mortgage on his behalf. "
In practice, there will be a combination of these two trading methods, that is, the financial leasing company buys its fixed assets from one enterprise, and then rents the assets to another company, which then sublets them to the enterprise. We call this method "leaseback".