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0 down payment 0 interest car purchase OK?

Time: 2014-03-11         Source: Rong 360 original         Author: bamboo

0 down payment 0 interest car purchase is very popular in recent years, many users who are ready to buy cars are also eager to try. So, 0 pay 0 interest to buy a car, OK? Need to pay attention to what?



First of all, 0 pays zero interest on the purchase of a car. In fact, this issue is very simple. carloanThe annualized interest rate is between 6.5% and 7%, and the income from doing business is usually 30%-50% or even higher.Financial managementAs a result, the yield rate is generally 10%. Compared with the annual interest rate of auto loans, it is no cost. If the auto manufacturers discount interest, the interest rate will be even lower!

Secondly, the 0 pay 0 interest car purchase also need to pay attention to a few details: (1) the so-called 0 interest rate, not a zero fee, but in fact will charge about 4% of the handling fee; (2) 0 interest rate car can not enjoy the relevant activities Cash discounts, and sometimes the amount of these cash discounts is also very large; (3) your favorite car models may not be able to enjoy zero interest rates, such as banksCredit card stagingPayments are limited to the models.

30% down payment, car can be loaned home

Postal Savings Bank - Vehicle Mortgage Loans

Agricultural Bank - Car Loan

Industrial and Commercial Bank of China - Personal Vehicle Mortgage

Construction Bank - Vehicle Loans

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