After the "new war" and "customer service war", what secret weapons could become the car enterprises decisive battle market weapons? As the main consumer groups, young car, advance the concept of consumption is gradually being accepted, as personal consumption loans second business after the personal housing mortgage loans, automobile consumption loans is becoming a decisive weight weapons car market. According to some statistics, 41 countries in the world have 38.2% users by the loan to buy a car, especially in the increasingly meager profits today, automobile financial company has become a treasure benefit from automobile company.

Now a lot of auto finance companies have launched the car loan business, not only can solve the problem of insufficient capacity to pay, more helpful to consumers at the lowest opportunity cost of the funds in the hands of. But what car financial credit business is more helpful to consumers? In the author's view, compared with other auto finance company loan business in Changan, a Ford recently introduced as "half pay half." financial project is another new road in the automobile credit industry, implementation of a hitherto unknown auto consumption credit model. "Half pay half." financial plan, the essence is a real hit consumer loans.

Another new road, have obvious advantages

First, only need to pay 50% cars can be, the other 50% in the 12 months after the expiration of the contract, a one-time payment. The month all the money to buy a car, which can greatly reduce the purchase a car makers take a one-time full payment of the purchase a car, you can bold with the rest of the money for shopping, investment etc..

Second, no mortgage limit, zero interest rates without for months. As long as you have the desire to purchase a car can apply for the purchase, not for the month, compared with other credit business fixed monthly repayment, a lot less financial pressure.

Third, after the expiration of the Ford financial and credit departments, can also be based on the implementation of the interest rate for the longest period of one year for refinancing. Even a year after the expiration, cash flow, or other reasons, not timely repayment, also can apply for refinancing, let your car life without any menace from the "rear".

Credit products to meet the consumer demand

"Half pay half." financial project, to promote personal automobile consumption played a very good role in promoting.

First of all, is the large number of young business people, young people are the main force of social entrepreneurship, because of the high cost of inputs, the population value of cash flow, hope the liquidity into the business turnover or do other investment, in order to obtain higher than the loan interest repayment; "half pay half." the credit business is a good solution to this the problem.

Secondly, to meet the temporary financial difficulties to purchase a car, ahead of schedule to achieve the dream of car population.

Third, according to statistics, young people aged 20-30 accounted for auto consumption credit in the crowd of 80%, especially after 80, easier to accept the financial consumer credit car, "half pay half." to lower the cost of solving the problem of young people funds are not comfortable.

　"Half pay half." financial projectTo go together with a great deal of Enlightenment

"Explore the half pay half." financial project, is also a beneficial enlightenment for the same industry

Enlightenment: the new car credit business models to expand the consumer market. Automobile consumption is becoming younger, "half pay half loan" financial project implementation, many with no cash purchase a car people can easily purchase a car, expand market share.

Revelation two: To explore a new business success. From the operation process, although the "half pay half." it is still a kind of auto credit business, but the process is more simple, does not need any mortgage, this is a new business varieties, the automobile credit business benefit exploration. If the business into more car manufacturers, will be a boon for consumers.

Revelation three: innovation is the route one must take the car credit business development. Automobile credit to development, innovation is the eternal theme. Only to keep pace with the times, pioneering and innovative, we can only walk on mutual benefit, win-win manufacturers and consumers road.