"Zero Shoufu" marketing applications in the field of automobile sales are increasing, but according to the "Regulations of car loan management approach", lenders to make car loan amount may not exceed the borrower purchased car prices 80%, that is to say, consumer loans to purchase a car payment shall not be less than 20%, "zero Shoufu" principle is not possible. This is an auto financing company or companies and banks to cooperate, the payment transfer. "There are many ways zero Shoufu" purchase a car, remind broad consumer alert.

The first way of raising prices, for example, a consumer to buy a price of 70000 yuan to own cars, if in accordance with the regular operation of Shoufu 30% words, to "zero Shoufu", the dealer as long as the price in 100000 yuan, so that consumers can obtain 100000 yuan x 70%=7 million yuan of loans in the car, and the "Shoufu" internal 30000 yuan dealers had good coordination.

The second way is the mortgage or credit loans, mortgage and other conditions meet the consumers can go to bank loans Shoufu, then the automobile financial company to 70% loan other cars, some dealers will be through the channels to help buyers for multiple credit card to complete the Shoufu payment.

The third way is used car replacement "zero Shoufu", is directly offset the new car with used car residual payment.

No matter what the above ways, for consumers, "zero Shoufu" failed to realize, only the first payment into the installment. In order to enjoy this "convenience", consumers have to pay not less often.

In addition to the actual loan, interest, commissions and other expenses will increase, in the choice of models and price concessions, consumers to dealers for a supply of sth. are more or less lost the right to speak. But dealer "zero Shoufu" marketing cars usually is slow-moving or inventory models, vehicle price is based on guidance price of original vehicle full price, more than a one-time payment of your natural to many. In addition, the insurance is also much more expensive, consumers purchase a car loan is usually required to buy insurance, even non insurance against all risks, the insurance shall not purchase, all by car dealers to buy, almost no preferential. If the loan is 3 years, still need in designated insurance companies a one-time purchase insurance 3 years.

Therefore, advised consumers to choose the "zero Shoufu" purchase a car will weigh the actual price of the vehicle and the "zero Shoufu" loan to buy the overall price comparison difference, as well as their repayment ability, and then infer "value" or "worth", lest regret.