In July 7th, the central bank announced that the RMB benchmark deposit and lending interest rates again by 0.25 percentage points a year period, the consumer loan interest rates rose to 6.56%, three to five year lending rate rose to 6.9%. According to the domestic CPI continued high to judge the situation, the future interest rate hike pressure still exists.

The RMB deposit and loan interest rates rising, the automobile consumption loans it is undoubtedly a great impact. Grow with each passing day consumer pressure owing on the loan, car finance companies providing fixed rate of car loan varieties advantage is more obvious, especially the 0 interest rate loans, more risk for consumers need not assume the interest rate increase repayment pressure is more welcome by consumers.

Domestic car city, there are many models especially many small car is launched the "0 rate" car loan policy. But in front of consumers of "0 rates" car loan is not the same. Such as providing Cerato, Rio models such as the 2 - year rate of 0 car loans, consumer Shoufu 30% car after it need not bear interest, but have to pay an extra 7% or 9% service fee.

I have to admit that, in the past the automobile financial companies to provide car loans consumption model, consumers with a lot of trouble bank consumer loans without at the same time, need to undertake higher interest rates and fees, this also is the basic practices of an auto financing company. And now this way already give extended application, for example in Guangzhou Honda cooperation with China Construction Bank Chinese car loan, consumers also need not pay interest, but according to car loan period shall charge 3% or 6.5% of the fee.

In the play "0 rate of car loan" at the same time, they charge high fees approach, always lets the human feel neither fish nor fowl, and even a form to collect interest. But also for domestic consumption, emotionally difficult to accept. So there are more and more companies launched "China conditions more suitable for the" 0 rate of car loan -- canceled fees.

But the cancellation fee is not Everything will be fine. We see, adding "0 rate 0 fee" the ranks of the car although such as Carola, Shor, Sportage, Vios and so on a long string, but in real consumer choice "0 rates" car loan preferential, found that higher first have to face or 30%~50% pay, or a longer waiting time, or mortgage, or the household registration restrictions and so on many such restrictions. Some brands are some of its most popular models no preferential is criticized.

In contrast, the new Fiesta will be kind of many Ford. As everyone knows the beginning of the new Carnival listed its stunning appearance, personality decoration, smart control, excellent safety and low fuel consumption by consumers, become one of hundred-percent best-selling car, but then the new Fiesta will soon launch a real "0 rates", a strong wind.

From the new Carnival car loan preferential scheme we can clearly see that, consumers choose the one-year loans to buy new carnival, in the enjoyment of 20% ultra low down payment at the same time, need not pay any interest and fees. Even the 2 year loan, the interest rate is only 3.99% for the same period the bank loan interest rate of 60%, high fees and part of brand is cannot be mentioned in the same breath. At the same time Ford financial companies for a car loan no mortgage, no household registration restrictions, ultrafast approval, together with the ultra low Shoufu, 0 interest rate 0 of the fees preferential loans, constitute the new Carnival car loan incomparable advantage.

Of course, the author is not to say that the real interest rate is only 0 Ford a car loan, but like Ford in at a 0 interest rate 0 fee to customers real benefits at the same time, effectively reduce the car loan threshold and reduce processing time, there are undoubtedly many car enterprises should follow the example of the practice.