Some time ago, the November CPI data concern finally settled -- rose 5.1%. Not only beyond October 0.7 percentage points, but also from 2008 after rising 6.3% in July, the highest rate in 28 months. It should be a phrase: numerous living beings, one looked up the word. In addition to wages have not risen, common people is the true feelings to the price rise might. It is the day before the data released, the people's Bank of Chinese once again raised the financial institutions deposit reserve rate 0.5 percentage points, this is the sixth time this year raised the deposit reserve ratio, in December 26th the people's Bank of Chinese announced the deposit and loan interest rates once again raising the interest rate 0.25 percentage points. The future of interest rate path is "still a long way to go".

For the interest rate loan cost increases caused by the injury, not only for the current property buyers impact, at the same time, loan purchase a car makers feel is the most incisive. 100000 yuan in the three year of car loan for example, lending rates by 3.5% to 3.75%, that is to say, matching interest repayment for the month, for example, 11.08 yuan more than before. The loan purchase a car consumers, interest payments relative to the price itself, is not a small expenditure. At the same time, because this year the car loan policy itself has been tightened, many bank loan interest rates are on the rise. While the two interest rate hike boots landing, also will increase the interest rate harm re amplification, let those who wanted to choose loans to buy a car consumption crowd suddenly lost, even many people have given up the loan way. In addition, Bank of strict examination and approval process, rigorous procedures also let the "first, after the payment of the purchase a car to enjoy" way to lose its appeal!

The face of interest rate puzzle, we purchase a car makers in the end how to purchase a car? Don't give up the loan purchase a car to see it, to purchase a car makers apparently some not practical. Then how in borrowing costs rise, "relaxed, carefree, affordable" loan purchase a car? This requires us to reason to choose their own loan products. For example, GMAC SAIC launched the "double king friends plan" and "Chevrolet cheap plan" is a good choice, because it is the implementation of the fixed rate, so does not increase because of the increase in interest rates, loan purchase a car is not because of the increase in interest rates and the rising concerns that a credit.

"Double king friends plan" is the GMAC-SAIC Automotive Finance for the new Regal, lacrosse launched a financial plan. And take the lead in the industry launched Shoufu can also be phased consumption patterns. At present, who first purchase Regal, lacrosse all models of car owners, 60% of the first payment can be divided into 2 payment, while the remaining 40% cars, you can hire in the next 12 months, at the same time, this period pay no interest, monthly payment of only principal.

In addition to meet the new owner's demand, the Buick also special for the old owners launched the "old phase half" credit products. The old car owners can enjoy the loan purchase a car, the interest rate halved preferential premium. At present, the old owners only through the replacement way to pay 35% of the first payment, while the remaining 65% of the loans can enjoy preferential interest rates. At the same time can enjoy 12, 24, 36 and 48 months of four flexible repayment period, the minimum can enjoy 3.99% ultra low interest loans, much lower than the current bank to provide personal car loan 12 months period of interest rate.

In addition to "double eagle friends plan", the Chevrolet cheap plans are very bright. The minimum down in some city buy Chevrolet Ke Luzi will be entitled to 25% of the payment, also can choose flexible repayment period of 18-48 months, and also can enjoy 18 months zero interest rate premium discount. In addition, the young customer group, SAIC automotive finance company also specifically for the Chevrolet brand design "Chevrolet young people plan", to the Chevy 1.6 SLMT as an example, the guide price is 108900 yuan, only need to pay 27225 of payment, i.e.Models25% of the price, can be easily entered the car, car owners ranks. In addition to the first year repayment period, the monthly 1689 yuan only, this also does not form a great pressure to the daily expenses. Although second years of the amount for the month increased slightly, monthly pay 2607 yuan, but the work of young people, their wages will increase slightly, so this month for the fully formed too much pressure, influence the quality of life but not. At the same time in late second when paragraph, we can choose a one-time settlement, can also be a replacement car without the need to return the tail section, can apply for one year or more.

All the time, loan purchase a car known as "spend tomorrow's money today Yuan dream", but this kind of enjoyment and not everyone can enjoy. Sometimes choose carelessly is perhaps the "spend tomorrow's money today's crime was". So in the face of the central bank interest rate hike, car loan interest rates increase, loan purchase a car makers should be more rational purchase a car, select a suitable for your car loan products, and only in this way, we can easily, worry free car owners enjoy the quality of life!