Car loan Zhihu

Is it reliable to buy a car by installment payment from Autohome?

Autohome’s installment plan for car purchases is reliable.

1. Nowadays, many people have little or even no understanding of car loans, and it is difficult to sort out the various complicated fees required to apply for a mortgage. Therefore, the mortgage charging procedures have become a "stumbling block" to mortgage processing, seriously affecting customers' enthusiasm for car mortgages.

2. It has become a worry for car mortgage customers. It is understood that the current car loan processing methods mainly include bank loans, credit card installments and car finance company loans. The bank loan business has existed for the longest time, but due to factors such as long approval cycles and strict condition review, it is gradually withdrawing from the auto credit market, followed by the rise of credit card installment car purchase and auto finance companies.

3. Credit card installment interest rates are relatively low, but they have higher requirements on the cardholder’s credit limit, length of use, etc. Auto finance companies have relatively high interest rates, with the advantage of low application conditions and fast approval speed. There are preferential plans for specific models.

Is it a pitfall to buy a car with a loan?

The pitfalls of buying a car with a loan are:

1. Attracting customers under the banner of "zero down payment" and "zero interest", but then charging various service fees and procedures fee.

2. Bundle consumption, forcing customers to buy insurance, license plates and decorations in the store, and then charge large fees for this.

3. Customers made many verbal promises when taking loans to buy cars, but the terms of the contract were not clearly agreed upon, and even unreasonable terms were set in terms of interest, monthly payment amount, repayment period, etc.

4. When the loan is completed and the car can be picked up, the car dealer overdues the car and the customer must pay a certain amount of pick-up fee on top of the original car payment before he can pick up the car.

5. The customer signed a financial lease contract, not a loan contract, without the customer’s knowledge. Therefore, the actual relationship is not a loan relationship, but only a leasing relationship, and the contract does not clearly stipulate the transfer of car ownership upon expiration. , but the customer needs to pay to "buy" it.

6. First, the customer is tricked into signing a blank contract, and then when the customer completes the car loan, they find that the loan amount in the credit contract is different from what was previously promised.

7. Some car dealers clearly do not have credit qualifications, but do not inform customers, and then take the customers to dealers with credit qualifications to apply for loan car purchases, and earn the difference.

8. The car was mortgaged twice by the dealer, resulting in fraudulent loans.

9. A deposit is agreed upon when signing the contract, so customers who return the car later cannot get their money back (the deposit can only be refunded).

Is car loan reliable?

At present, our financial services are mainly vehicle mortgage and financial leasing projects, using third-party payment escrow. It is a relatively reliable car finance platform with 100% real claims.

There are many good car loan platforms on the market. Choosing a reliable platform can be based on the following points:

1. Don’t blindly pursue the highest returns. The average return rate on ordinary platforms is between 8% and 15%. Don’t ignore the safety of your funds and blindly pursue ultra-high returns. A good investment should be based on security. What should I do if my funds are not safe?

2. Whether the platform’s risk control system strictly controls risks is the core of the financial industry, and the same is true for p2p car loans. Risk control is related to whether the platform is safe and reliable, whether investors’ capital principal and interest are safe, and whether the platform team has relevant experience. On a safe platform, you can invest with more peace of mind.

3. Walk around. Choose the platform that suits you. There are currently many car loan platforms on the market, with varying quality, and it is up to investors to choose. A good platform can not only ensure the safety of your funds, but also bring you stable income.

Is a car loan reliable?

At present, our financial services are mainly vehicle mortgage and financial leasing projects, using third-party payment escrow. It is a relatively reliable car finance platform with 100% real claims.

There are many good car loan platforms on the market. Choosing a reliable platform can be based on the following points:

1. Don’t blindly pursue the highest returns. The average return rate on ordinary platforms is between 8% and 15%. Don’t ignore the safety of your funds and blindly pursue ultra-high returns. A good investment should be based on security. What should I do if my funds are not safe?

2. Whether the platform’s risk control system strictly controls risks is the core of the financial industry, and the same is true for p2p car loans. Risk control is related to whether the platform is safe and reliable, whether investors’ capital principal and interest are safe, and whether the platform team has relevant experience. On a safe platform, you can invest with more peace of mind.

3. Walk around. Choose the platform that suits you. There are currently many car loan platforms on the market, with varying quality, and it is up to investors to choose. A good platform can not only ensure the safety of your funds, but also bring you stable income.