The Central Bank is successive already since this year go up 5 times interest rate of reserve of tone RMB deposit, from tight monetary policy, make many industries experienced loan increasingly difficult. What differ as hard as the loan in whole market environment is, in automobile industry " 0 interest rate " the car is borrowed faddish with each passing day. Face car city " joined nether world in April " continuously low confuse posture, be eager to " help city " each car manufacturer was rolled out in succession " 0 interest rate " the car shifts policy, with period borrow this to arouse consumer to buy faith.

The car borrows: 0 interest rate borrow money, frequency shows car city

Shanghai is general roll out more in the light of Xin Kai " 0 interest rate, offer 0 months " left " 0 " right " ceremony " the plan that buy a car, consumer is bought 8 Xin Kai is jumped over, need only head pay 50 ％ to be able to drive the car come home, avoid one year breath, the rest of 50 ％ is paid after a year; Shanghai masses Si Ke is amounted to in the light of Ming Rui the hand is moved edition roll out a year period " 0 interest rate " borrowing plan; Steam Rong Wei is aimed at Rong Wei on 750 also rolled out buy a car to avoid breath activity to wait in installment; Beijing runs quickly - Dai Ke is at the beginning of this year August roll out " low interest buys car and avoid breath upgrade " individual loan program: Platinic acute of the Sile that overcome Lai, 300 C rolls out by a definite date 3 month, lowest head pays 4. 550 thousand yuan " low interest buys a car " solution; Kaidilake ever also was before this year paragraph time is rolled out, buy Kaidilake SLS is surpassed power head pay 50 ％ car the money, can enjoy " dismiss breath loan case 3 years " ; Roll out through car banking firm besides manufacturer of each car brand " 0 interest rate " outside the plan that buy a car, a few banks also are rolled out " 0 interest rate " loan policy. The reporter understands, at present the car brand such as this cropland of contemporary, Guangzhou reachs action merchant bank and Beijing collaboration, the person that buy a car to loan was rolled out " avoid breath avoid assure " the service that buy a car.

"0 interest rate " the car is borrowed becoming situation of car city gloomy sale to fall, manufacturer and agency try to spur a kind of instrument of sales volume.

Although apparently look, "Car of 0 interest rate is borrowed " roll out, car look forward to and agency should be a car advocate " stick many accrual " . In fact, to car look forward to, can pull not only use a sale, car banking firm also is benefited accordingly fine is much, and, car manufacturer is OK a few link in be being borrowed through the car generate profit, make up for then " pay interest in the form of a deduction when selling a bill of exchange " expense. "' avoid breath car to borrow ' in the accrual of generation still wants to be assumed by our car business, this charge besides wanting to be deducted from inside gain of car of normal carry out, still can win a few compensation from inside insurance. " one steam masses some car business discloses to the reporter under the counter, loan buys a car to be able to ask the client buys fully comprehensive insurance, and fully comprehensive insurance must be bought in agency office inside two years, such insurance company give return a dot to be able to make up for one part " pay interest in the form of a deduction when selling a bill of exchange " expense. "When enjoying loan of 0 interest rate to buy a car, often do not enjoy one-time the favourable strength when buying a car. And this arises among them ' favourable price difference ' be used to pay interest. " Shanghai is general some car business shows.

The effect: Earn full cry out, effects is common

"Just began ' 0 interest rate ' loan or echo are pretty good, a lot of clients seek advice, but crossing its effect for some time is not apparent. " Shanghai masses Si Ke amounts to car business to express, because more and more brands were rolled out now " 0 interest rate " the activity that loan buys a car, make many clients think " 0 interest rate " very normal, had done not have how many allure. In the meantime, because enjoy " 0 interest rate " when loan buys a car, car advocate cannot enjoy one-time the privilege when buying a car, after a few consumer are being compared carefully, still can feel complete to the paragraph buys a car more be to one's profit.

The reporter is being interviewed in, discover many car brands are loud of cry out " avoid breath car to borrow " , in be run actually effects is very small. "Just roll out at the beginning of August ' 0 interest rate ' the car shifts business, as a result the middle ten days of a month made stop temporarily in August, because time is too short, the client does not have there's still time to understand, also did not make what list so. " Beijing runs quickly - report of Dai Ke agency, because this kind of means is action of short-term sales promotion only, make the effect big sell at a discount.

The personage inside course of study points out, "0 interest rate " the plan that buy a car, after flourishing was acclaimed one time, earn sufficient eyeball, did not gain the market however. Because,basically be, many manufacturer will " 0 interest rate " the car borrows the stunt that serves as a kind of short-term sales promotion merely. At present car city midstream goes " 0 interest rate " the car is borrowed mostly a few adder limitative condition, such as the specific model, price that buy a car cannot enjoy be confined to privilege of price of accept a surrender accept a surrender, appoint buy time of safe, loan shorter etc. Below the setting that depreciates greatly in car city, such loan business is a kind of method of sales promotion only, apply to capital in short supply the consumer that is badly in need of buying a car however, average person should calculate good economy Zhang to decide to whether move again when the choice.

A few kinds of crowds favor the car is borrowed

Investment a group of things with common features: Neither of the conduct financial transactions that buy a car by accident " the behavior that buying a car is pure consumption, and the car still is different from house property, it does not have appreciation function, devalueing rate is very rapid, entire section buys a car to be able to receive devalueing capital fund only finally, still save the rise in value that next capital make investment additionally and realizes other asset as the kind that carries loan. " Ms. Dong that having consciousness of extremely strong economy, to oneself capital flow direction is being held in the arms from beginning to end " you pay no attention to money, money pays no attention to you " investment attitude, she thinks, "The loan of this kind of 0 interest rate that car business rolls out buys a car, need not occupy not only control oneself too much fund, and also do not have interest pressure, the investment that saves the cash below to still can do other side makes money " .

For stronger to consciousness of a few investment consumer, car loan just consumes kind one kind not just, it is kind of a kind of economy more at the same time.

Businessmen: Circulating fund does not take up he manages Mr Xu of company of intermediary of one handed down from the older generations of the family, although have the idea that buys a car early, but because a lot of circulating fund have enough to meet need need on the business, let him take out 9559 yuan to buy a pretty business affairs car at a draught, can take up his very big cash reserve in a bank flows, for this he compares to buying a car to throw discreet: "I am thinking all the time, make money, the neither that buy a car by accident meddlesome. " before paragraph time he is medium car of a business affairs, "The car of this class suits me quite, want Fu Shoufu to be able to drive the car only, the money below the province still can invest to go up in the business, it is kill two birds with one stone really " .

The reporter understands in interview, the car is borrowed especially " 0 interest rate " to a lot of medium and small businesses advocate attraction is bigger, they need many circulating fund because of deal, they hope to leave some of cash to be on the hand more more.

Enjoy model: Go up too ahead of schedule the tall gentleman that life having a car works in some college was borrowed through the car June this year bought a car, he says: "Although buy the deposit in the hand when the car to also have ten yuan at the outset, but always feel to take total saving buy a car, in case did not deposit money in hand of a bit urgent henceforth matter, do not be free from anxiety in the heart, but reduce a standard to buy a 559 yuan economy car, I not reconciled to, if buy a car again etc, the eye looks at the colleague beside, friend to the car left, oneself still drive each drive a vehicle, also do not have face quite. " then he rambled June this year be informed accidentally when car city have " 0 interest rate " after loan buys car activity very enchanted, later he understands carefully feel this kind of means suits him quite, "My income is steadier, return a month to do not have a problem for affirmation, and 0 accrual loan buys a car to do not have what accrual money again, the feeling holds out be to one's profit. " such, tall gentleman took out tens of thousands of yuan to buy his favorite model only.

Remind:

Loan buys a car, can save many money really, make the pressure that buy a car a lot of lighter, but after consumer still should consider whether does reimbursement pressure of every months bear in yours in limits, and after buying a car, new car has depreciating possibility normally, after new move passes, every month or need on time reimbursement, whether can let you produce depressive feeling. So, when consumer buys a car cannot pure attention avoids interest section, return the number that should notice eliminate month is offerred, whether does oneself daily life get too big impact, daily capital flow is smooth wait.