The great controversyThe"0ShoufuA carDirectly to the car"SuggestionsMany industryPeople think that ifCanThe implementation of theFavorableIn car city

    This year in Shanghai City"NPC and CPPCC"During the period, the CPPCC members submitted a "on accelerating the establishment, perfect enterprise and individual credit system recommendations" joint proposals. The proposal, the individual purchase of the automobile consumption loan, if it isDifferenceCredit, according to the score will Shoufu to70%The above even refused to loan; if it isNoCredit, can score according to the Shoufu ratio will be appropriateCutBut to maintain a certain proportion of the first payment; if credit is good, can also score according to maintain low proportion Shoufu even0Shoufu, directly to the car.

For the proposal, automotive industryThe industrySaid, if the credit is good practice0ShoufuA carThe whole car city will be goodPolicy, but0Downpayment requirements will be higher.

　　One view:

　　The realThe implementation of theVery large active market

It is understood, at present Dongguan auto market has not appeared0Down payment to buy a carSpecificIndividual case. At present, the loan to buy a car in DongguanThe basicTo Shoufu 30%, the balance may consist of one or three years, five years to pay.

The CPPCC members proposed good credit can be zero Shoufu proposal, BYD auto Dongguan Zhou Tongtai sales and service shop marketing manager Wang YueThink, if0Shoufu will be more convenient for consumers to buy a car, and is favorable for the whole car city, will stimulate the market consumption, but also for consumersVeryConvenient. After all, there are many consumers may notOnceFull payment to buy a car, so that,0Shoufu if implemented for both the buyer and the seller are good.

The deputy manager Suzuki automobile market square of Hua Victoria Xie WenqingThink, on the one hand, if implemented, would be positive for the market, it will not be a great stimulus to domestic brands, but for imported brands, such as high-grade cars will have a great stimulus. Zero Shoufu will make them advance purchase a car, if is zero Shoufu, then buy it back later to buy, which for some Dongguan local people, or have fixed assets consumers have greatPromoteEffect.

  Point of viewTwo:

　　Implementation conditionsProbablyMore stringent

　　"Now the Bank launched the installment payment buy, the rate is about half as many people, bank credit is not high, or there is no property and other fixed assets, so now a loan to buy a carTo examineThe rate of only50%About."Dongguan City Yong ho car sales Services Limited Marketing Director Ye Zhengda points out.

It is understood, at present the installment payment buy requirements are relatively high, for example, to have a copy of property card, work card, bank statements and so. The most important thing is to have a fixed income, otherwise it is difficult through the bank audit. In this regard, leaf Zhengda said, if the implementation of zero Shoufu, then the condition will be moreHarsh, the request will be higher, after all the banksVeryThere are risks.

General good credit but also can provide the real estate certificate, five days can put on the car, if the credit is not good, there is no real proof, banks will be the first payment up to 70% orSimplyRefusing to lend.

　　"If this bill passes, then there will be more people to buy a car, then, trading volumes will auto marketRise."Xie Wenqing said.

　Prospective ownersPoint of view

　　ImplementationZero ShoufuWill not hesitate to buy a car

In the light of"Buy a zero Shoufu car"Issue, reporter random interviewed several consumers want to buy. Mr. Xia said that consumers, if there is zero Shoufu policyReallyCome out, you willImmediatelyTo buy, but he is very consistent with current economic conditionsRequirement. Mr. Xia said he now see is Toyoda Kamimizu,IfFull payment to20Million yuan, pay 30% have nearly7Million yuan, but now the business capital turnover, so hope to have such policies.