Loan to buy a car will become a "fashion" consumer trends

One hand the economic constraints and only watched their love car can't start the car, only their own hands have enough money to. So, time passed and I do not know how many years passed, the heavier children, family burden, there are still many people can not afford to buy cars, in the course of time, the final outcome is: old can really enjoy the truly their own car.

But now with the era of reform, change, China has introduced a large number of western consumption concept, such as the Americans advanced, enjoy life consumption concept has been gradually rooted in the hearts of every one of China. Chinese also a fashion trend of consumption loans to buy a house to buy a car. According to this situation, the author thinks that the loan purchase a car will become the new trend of a mainstream fashion consumption.

Why consumers need to purchase a car loan

Maybe a lot of people have such doubt, why we want to loan to buy a car? The car every day down, loan interest rates together with the price depreciation will purchase a car cost a lot more money? It should be said, this worry is not without reason. But with the China status in the world economic growth, rapid integration into the world economy has let the consumer credit has become the future the most reasonable way of a kind of consumption. Of course, the premise automobile consumer credit is the consumer need such a car, but the hands of the funds are not sufficient to pay the full amount of the car, car loans and gradually evolved into a new way of managing money, not only solve the car demand, and can save a part of the money for new investment.

An auto financing company A new force suddenly rises

Popular "auto loan" is different, "financial marketing" in the market gradually fire up. Provide the automobile finance service of the protagonist, is the original bank, to rely on the strength of the manufacturers and the establishment of an auto financing company. Have a look China throughout the automotive field nowadays, especially the joint venture brand most car companies have their own financial enterprises, such as Ford financial, financial, general Toyota finance and so on automobile financial company, they are created for the more wants to buy a car but do relatively tight or like a loan to buy a car people.

The main business of automobile financial company, is to provide loans for auto buyers and sellers, it is similar to the bank before the consumer "auto loan". But with the "auto loan" is different, the automobile financial company is relying on the profit mechanism in automobile group established, consumers can bring abundant credit products. And banks, automobile financial company procedures more simple, more and more people are choosing. The new Fiesta just recently very popular with consumers in Changan Ford launched "half pay half." financial project, "half pay half." financial project provides consumer in time to buy any new Carnival only pay 50% of the sales price as a down payment, you can have new Ka, and the remaining 50% car customers will expire in 12 months, the contract expiration date as the tail of a one-time payment, the loan period of one year. During this period no mortgage restrictions, zero interest rates without for months, and 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. Relative to bank loans cumbersome procedures, high lending rates, Changan Ford launched "half pay half." financial loan program has a greater advantage.

Generally speaking, there are two kinds of loans to buy people, one is not enough cash, but there will be a steady source of repayment ahead; another is to have enough cash to use, but have more better, not willing to direct to consumer. The new Fiesta Changan Ford launched "half pay half." financial project by many consumers, relative to other installments financial project, not only without any collateral, without any restrictions, but also the zero interest rate, so you don't have to pay high interest, not for months, so you don't have to bear the installment payment the pressure, you can also purchase or investment with the rest of the money, the automobile financial business is a new breakthrough in the current automobile market is, will lead the new mode of the future automobile financial credit.

What attracted manufacturers of automobile financial interests?

If the future development trend and the international practices, Chinese auto finance have a brilliant future. Commercial vehicle loans have been very popular, but the car loan ratio is not high, the future should have a larger growth space. A prediction data directly reveal the space, with 09 years of our country car 13500000 estimate, China auto market sales in 1350000000000 yuan; if the next 20 years, this batch of cars all updates, and China automobile credit to 1/3 of the total sales, the automobile financial industry will usher in the 400000000000 yuan big cake. In foreign countries, both automobile company auto finance companies to promote sales of the weapon, but also the company's profitability; Chinese automobile finance early party into climate. In this competition, who can seize the market first, who will share with many cakes.

Money every day in the devaluation, prices are rising every day, you purchase a car, prices and rising raw material prices when we can achieve a balance point, or an unknown quantity in China auto market. Thus, a stable interest rates and credit purchase a car loan purchase a car and health policy to avoid influence by the economic risks brought about by the safe harbor. From this perspective, an auto financing company, the car is now and in the future for a long period of time, the strategy of sustainable development an important step. Certainly, the loan purchase a car will become a "fashion" consumer trends.