In addition to banks, at present for a car loan principal and auto finance companies, due to sell the company car, often to design some very strange way of repayment. Like the automobile financial company launched the "intelligent" method of repayment. To a price of 68800 yuan of new loans Shoufu 25800 yuan, 3 years as an example, if a matching interest repayment, the average monthly repayment 1300 yuan; "intelligent" repayment of the monthly repayment amount as long as 985 yuan, the last 1 month repayment amount up to 14745 yuan.

"The biggest characteristic of intelligent" car loan is the tail section of 20%, that is to say, in addition to Shoufu 30%, owners only need to borrow the price 50%, the remaining 20% as the tail section, until the deadline for loans, car owners can pay a one-time payment, can also choose to end the money for longer a loan of 1 years. Because of the principal of the loan to reduce the monthly amount owing on the loan, the owners will also reduce the financial pressure, the owner can also greatly reduce.

In addition to banks and auto finance companies, car dealers are also more and more involved in the field of auto loans, which often have many "trap", is currently widely used "zero Shoufu" used car replacement car loan purchase a car project. Many vendors in time for this business, to give the car to buy full insurance (including the three party insurance, car insurance, pilfer etc.), according to the 5 years of the loan period, full insurance purchase a car to buy a new car once for 5 years, but also to buy at the designated insurance companies, sometimes also can not enjoy the relevant preferential prices. In addition to "trap", some car dealers fraud by car loans, from the current has occurred in the case, there are four main forms:

One is in the purchase a car person fails to repay the loan, according to the provisions of the Sellers shall advance, while in the generation of pad, sellers will use this as an excuse to receive payments directly to the borrower, sometimes far more than the number of loans; two is to pay road maintenance fees and other grounds, loan purchase a car people return bank loans to retain and misappropriation, embezzlement the three is a fictional; commissioned by the bank to bank on behalf of the fact, directly to the borrower payment; four is to deceive the borrower, installment purchase a car based on the contract, directly to the sellers misleading borrowers repayment, then to occupy. Therefore, purchase a car people should keep good repayment credentials such as bank deposit receipt and promptly to the bank to confirm each repayment in the repayment process, do not secretly and vendors signed the so-called "payment agreement".