To buy second-hand car, the process of mortgage loans 350000 yuan. But after the second-hand car dealer and Guarantee Corporation a sell, the owner finally loan amount is 369000 yuan. Recently, Mr. Tong suffered a hoax such. Fortunately, the careful he, timely fraud through, "after the loan to buy a car, be careful!"

　　The loan amount intoMore than 19000 yuan

In July this year, Mr. child spent 550000 yuan, bought a second-hand Porsche cayenne. When buying a car, he chose the mortgage payment, 200000 yuan Shoufu, the remaining 350000 yuan for a loan. On the same day, Mr. Tong and car manufacturers signed mortgage purchase a car contract, he then there from car manufacturers to get a credit card. The car dealer told Mr. Tong, mortgage purchase a car payment, then each month to this piece of Cary.

In accordance with the car dealer parlance, a loan of 350000 yuan 3 years (36 months) should be repaid, monthly payments of about 11000 yuan. So, Mr. Tong started a monthly to Cary money, until at the end of 11, Mr. Tong decided early repayment. In the bank for early repayment procedures, the chance of a move, let he found the maoni.

"In the bank to my list, I cast a glance at the total loans, found my 369180 yuan. I clearly remember, the total number of loans to buy a car, only 350000 yuan!" Mr Tong Meng: without any cause or reason about multiple loans 19000!

　　Repeated representations

　　The car dealer guilty

Found in the Maoni day, Mr. Tong found that second-hand car dealer at the time of purchase. But car manufacturers deny all knowledge of an event: "I don't know! You can ask the Guarantee corporation." In Guarantee Corporation, responsible person also there is clear dissimulate. "This is your 19000 yuan, loan fees, we help you"!" His words, Mr. Tong on the spot: "be punctured when fee I bought the car did not pay, 3000 yuan, or cash!"

People stopped the charge of Guarantee corporation. First he make an ambiguous statement, then began to smile obsequiously. "Brother, we had no idea you will advance repayment!" This, Mr. Tong fly, he urged Guarantee Corporation to refund the overcharged 19000 yuan. The other is not fuel-efficient lights, rogue beginning. "In the beginning said, let me go to the court, they are not afraid of; came to see me play hardball, and complain to me, said 19000 yuan inside, there are a lot of benefits is the second-hand car, have to go out, not retreat." Several battle, finally the Guarantee corporation had promised, back to Mr. Tong 10000 yuan.

"I didn't want to so easily forgive them. I really don't want to, forget it." Mr. Tong agreed to a request. However, he was "auto Passepartout" calls. "This trick, they certainly is not the first time used. I am lucky, found. Loan to buy a car, you must be careful!"

　　The loan less than

　　This staged deception

Although Mr Tong recouped some of the losses, but he can't understand something: "when I borrowed 350000 yuan, to the repayment of the loan amount, why are 369000 yuan?" On this issue, the reporter consulted a Hangzhou second-hand car industry veteran. Unexpectedly, his answer is shocking: a loan to buy a car, so that "less than the loan" scam, it is not rare! Unscrupulous car dealers, how to step by step to achieve a scam?

To Mr. Tong as an example, when the loan to buy a car, he was faced with two groups of people. The first is to sell his car used car dealer, second dial is mortgage guarantees for vehicle Guarantee corporation. Once the owners mortgage to buy a car, the Guarantee corporation generally consists of car dealer is specified, this gave the unscrupulous merchants collude opportunity. First of all, on behalf of the mortgage Guarantee Corporation charge d'affaires, help Mr. Pan to find bank loans. However, in applying for loans, the Guarantee Corporation is not according to 350000 yuan for the actual, but the false into 369000 yuan. While Mr. Tong signed mortgage purchase a car when the contract, the actual loan amount does not appear in the contract, but is generally in the "monthly repayment".

Finally, the business to get money for 369000 yuan, Mr. Tong thought he only made 350000 yuan, but in 369000 yuan in accordance with the base and repayment. More than 19000 yuan loans out, is actually selling the car business and Guarantee Corporation divide.

The reporter calculated brushstroke Zhang for Mr. children. At present, Hangzhou second-hand car loan period of three years the annual rate of about 5%. Mr. Tong loan of 350000 yuan, is divided into 36 months, his monthly repayment amount should be 10489 yuan. If the loan amount is false to 369000 yuan, the same 36 months, the monthly repayment amount is 11059 yuan. So, Mr. Tong also more than a month to 600 yuan. If he honestly monthly pay, have to pay 21600 yuan, is really a big loss.

"Unscrupulous merchants dare to do, because they knew, the owners will not carefully calculated monthly repayment amount. We usually think of money through the bank, certainly not wrong, who knows to be drilled loopholes, gave the money, but also help people interest." The second-hand car industry senior personage points out, this scam, it is not rare. "Not only the second-hand car, even to buy a new car, also have the 4S shop and Guarantee Corporation collusion scams example." (reporter Zhao Lu)