At present, many automobile company launched the zero interest rate, low handling car loan scheme, while the "freshness" mostly for 2 years, but you don't think the 2 years 0 interest rate loans is a very good thing, the reason is that you have to pay high fees (currently on the market only a part of vehicle classification the payment is interest free, non fee), mostly 0 interest rate purchase a car fees than bank loans or other fees, charge and fees are not the same, some are calculated according to the price percentage; some are in accordance with each loan of 10000 yuan in the proportion of the corresponding collection fees; some the percentage is calculated in accordance with the loan interest rate.
In addition, credit card installment purchase a car the fee is generally pay Shoufu and for the first month, one-time payment is completed, that is to say you have to prepare Shoufu car, purchase tax, insurance, compulsory insurance, licensing fees, charges a large sum of money on buying the occasion.In addition to this you also need to consider is, although free car loan can save a lot of interest, but often by free car loan purchase a car consumers could not enjoy the preferential purchase a car.
So, in the application of interest free car loan, the owner must pay attention to three aspects: first, fees to pay much, plus Shoufu car, purchase tax, insurance, compulsory insurance, licensing fees, in pay Shoufu and for the first month, whether you can lump sum; second, because it is loans to purchase a car, so the car loan to pay off, the bank will put forward protection measures of risk, so that consumers buy many insurance, but you need to compare the cost and make a decision; third, because of the interest free loans in this way, consumers in general are unable to enjoy the preferential purchase a car, before applying for the loan can be in contrast to purchase a car preferential so.
In general, no preferential loans, credit card installment purchase a car consumers can choose this way, but the amount is insufficient, it is recommended that the selected 4S shop recommended bank loans; in the premise of preferential loans, consumers can choose financial company is given of several loans, if economic conditions permit, select the "half pay half." this way would be more cost-effective.
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