With the development of society and the rise of various interest-free policies, it is easier and easier for people to borrow money. Various loan policies have indeed stimulated consumption, but they have also made many consumers lose their way and spend impulsively. In the end, they can't even afford the loan, and their lives have become a mess. It is common to buy a car with a loan. In order to lower the threshold of buying a car, many places even introduced a zero down payment car purchase policy. On the surface, you can drive home without spending a penny. In fact, there are many routines.

Sun Xiao, Shandong Province, bought a car with zero down payment in a car platform? Volkswagen LaVida was very happy when he picked up the car, but now he is not happy. Because I finished this economic account, I found myself cheated of a lot of money. The price of this LaVida bought by Sun Xiao is only 6,543,800 yuan, but the final landing price is as high as 6,543,800 yuan, and the loan period is three years. If you buy it in full, the landing price of a car with 65,438+10,000 yuan is about120,000. If the 4S shop loan is taken normally, the landing price of the loan will not exceed130,000 within three years. Why did Sun Xiao buy it so expensive?

Later, after many inquiries, we learned the routine. At present, when buying a car through formal channels, the down payment ratio of the car is generally not less than 30%. In order to get as many loans as possible, the zero down payment car purchase adopted the means of stealing the column. A car with a car price of 654.38+100,000 yuan will cost 6.5438+0.9 million yuan, so if the car price is 6.5438+0.9 million yuan and the loan is 70%, the maximum loan can be more than 6.5438+0.3 million yuan, thus realizing zero down payment for car purchase.

However, if the fare is190,000 yuan, the purchase tax must be paid according to the fare of190,000 yuan. The original purchase tax was less than 100000 yuan, and now the purchase tax 168 14 yuan is entirely borne by Sun Xiao. Moreover, the insurance fee is also calculated according to the car amount of 6.5438+0.9 million. The insurance for the second and third years must also be purchased from the car buying platform. In theory, the insurance cost in the second and third years will be greatly reduced, but it is not purchased from the platform. Two-year insurance is about 7000 yuan more expensive than buying it from outside. The loan fee is 8,000 yuan, and the loan is 654.38+10,000 yuan. The three-year interest is about 1.6 million yuan.

Although the car payment is zero down payment, the purchase tax, insurance and handling fee need to be paid first, totaling 3 1, 6 14 yuan, and the monthly payment is 3,222 yuan. After the loan is paid off, the total landing price is close to155,000 yuan, which is nearly 30,000 yuan more expensive than buying a car in full. There is no way. To enjoy a low down payment on a car, you have to accept his high loan interest. You can't have your cake and eat it.

At present, many regular 4S stores have also introduced a zero down payment car purchase policy, and manufacturers will make certain subsidies. The interest rate may be a little lower than the LaVida bought in Sun Xiao, but the wool on the sheep is still much more expensive than the full amount or small loan.

Pony personally thinks he can buy as many cars as he can. In fact, 30% down payment is low enough. If you really can't come up with this 30% down payment, then I don't think you need to buy this car at all. You should choose to save money or lower the price of the car, you will get fat. Although the loan is convenient, it will be repaid sooner or later.

The above content is pony's personal opinion, hoping to help you. Is there anyone around you who buys a car with zero down payment? Do they regret now? Welcome friends to comment in the comments section below and tell the stories you have heard.

This article comes from car home, the author of the car manufacturer, and does not represent car home's position.