In 2009 the purchase tax concessions, car to the countryside subsidies and favorable policy incentives, Chinese automobile market under the financial crisis, full of vitality, it sold about 13000000 cars. Effect of state issued favorable policies on auto industry play a decisive role is be obvious to people. At this point, it is reported, the government to further boost automobile consumption, automobile credit support policy will soon introduce. Countries "through low interest lending in the form of" directly from the funding for the automobile financial company to support, the policy once implemented, that is able to auto finance companies to broaden the financing channels, reduce the cost of financing, the loan interest rate is reduced, the automobile consumption credit is obtained as the ratio of amplification, which of course is just for the auto financial institutions speaking of the.

Since the automobile financial institutions to enter the China car loan market, the traditional bank loans to purchase a car is very big impact, the flexible, convenient way of loan provides greater convenience for many loans to purchase a car people, gradually become people to alleviate the financial pressure on the new loan purchase a car model, and car companies and financial institutions in the constantly updated loan preferential way, trying to meet more and more consumers. Next, the author to MAGOTAN "wisdom" loans, general Regal's "zero Shoufu", Changan Ford Mondeo "half - half pay" loan discount methods were compared and analyzed, hoping to do some guidance for loans to purchase a car consumers.

Intermediate car city, feudal lords vying for the throne, the carts in the car loan on their powers, and bring more benefits to consumers

The reason why the preferential loans are compared, on one hand they launched preferential loans are loans to financial institutions such as the car, on the other hand, MAGOTAN, new Regal, Mondeo these cars are the senior car, according to media data show that senior car market consumers because the price of a car and personal funds transfer the problem, choose consumer loans mode is most, so the way of loan purchase a car more concentrated in the senior car market.

MAGOTAN: wisdom loan.

The wisdom of loans, the repayment Shoufu, wisdom and the tail section. Shoufu 25%, maximum loan period of 3 years, the loan interest rate is 8.39%. At the same time, retained 25% of the loan amount (two years for a period of 20%) as the wisdom of the tail section, excluding interest payments. To the final repayment date of this part of the tail section flexible repayment, can one-time settlement, but also on the tail section and then apply for the two time the loan period of 12 months, or to buy the vehicle as a used car replacement with the brand new car. From which we can see, "wisdom" is flexible, especially wisdom tail funds repayment, repayment by the consumer can choose different ways.

MAGOTAN wisdom tail section, flexible cost is high, but the precious wisdom

But the drawbacks of this approach is that the month for the preferential interest rate is too high, in order to calculate the price of step 263800, Shoufu 25% is 65950, with a loan of 150000 as an example, only the interest repayment will be more than 10000 2, obviously a bit high.

General newRegal: X Y year plan

General new Regal in January launched the X Y programme, which has three kinds of loans: 8 3 year plan; 7 3 year plan and the intelligent free loan. 8 3 year plan, Shoufu car worth two, three years of repayment. Shoufu into two words, the loan amount is relatively large, the loan interest rate is 8, then the repayment period is three years, installment payment for 36 months. 7 3 year plan basic ibid, only Shoufu car price to 3 into. Without wisdom is the purchase a car car loans Shoufu 50%, a year after the payment of the other 50%. Shoufu and proportion of payments, except the middle tail section 11 period required to pay interest on loans.

Want to be the new Regal loan home, require the payment of interest on a monthly case note storing enough tail section

In this 1 years, the monthly interest only, without payment of principal, it is worry free loan favorable place, although the interest only, but this does not mean that consumers will pay less, the last month of such loans, will end the money paid in full, the monthly cost of the case if consumers are therefore not enough money, cash flow difficulties. At the end of month, I will be in a corner.

Changan Ford Mondeo: half - half pay

Comparison of half - half pay loans available, this is the Changan Ford joint Ford auto finance company launched a specially designed for the Mondeo - Zhisheng purchase a car consumer financial exclusive plan: buy Mondeo in March 1, 2010 to March 31st consumers only need to pay 50% of the sales price for the first payment, the remaining 50% car customers expires in 12 months, the contract expiration date as the tail of a one-time payment, the loan period of one year. Customer interest at the rate of 0%.

Three costs are zero, the real money

For example, if consumers buy 2 comfortable funds 169800 yuan, then the first payment is 84900, can the Mondeo home, the senior car purchase of car owners is the first surprise, if the loan for a year, after 12 months, only need to pay the remaining 84900 yuan. The completed contract transactions, but in the 12 months that the loan, consumers pay no interest and fees, this should be very good news for consumers. Because at present provide the same level vehicle loans basically have to pay interest or other charges, so calculate down, the same price of car to buy interest can save about ten thousand half pay half - way.

No expense can also loans, to select the winning friends should be able to start

At the same time, Ford financial company loan approval efficiency is very high, generally complete approval within 3-4 business days, and from January 1, 2010 onwards, Mondeo enjoy 3 years or 100000 km warranty policy, half - half pay, 3 years one hundred thousand km, which makes the Mondeo in the same level vehicle cost greatly.

Inventory of finished this several car loans, loan purchase a car friends believe heart needs a few, of course I count only analysis of preferential schemes launched from the automobile manufacturers in the form of loans, specifically how to, also need the fellow dear readers to 4S shop to ask for details of the.