Super Car Sales System

Chapter 211 Interest-free loan is a trap

Chapter 210: Interest-free loan is a trap

The reason why Fang Yuan strongly recommends the 2.0T version should be to add a limitation, that is, the car environment.

If you are often congested on your way to and from get off work and need to stop and go slowly for more than half an hour, then it is best not to buy the dual-clutch version, even if it is a wet dual-clutch version.

If you don’t care about the vibration of the 1.5T three-cylinder engine when starting and accelerating rapidly, and the commute to and from get off work is relatively smooth, Fang Yuan still recommends buying the top configuration of 1.5T. First, the price is cheaper when the configuration remains the same. , Second, this 1.5T engine has strong power and quick acceleration, which is enough for most car owners, and there is no need to spend more money.

The third is that the power connection of this 7-speed wet dual-clutch gearbox is very stable, and the addition and subtraction of gears are done very cleanly.

The 2.0T four-cylinder engine does not shake, and the AT gearbox is more stable and durable, and there is no danger of burning the clutch plates during long-term low-speed creep. However, this AT gearbox also has frustration and vibration.

It will falter when starting to shift gears with light throttle, it will stumble when downshifting when the accelerator is released, and it will also stumble when sliding downshifts without stepping on the accelerator, and the shift speed of the first three gears is very slow, and the whole car shakes when driving normally. .

In addition to problems with the engine and gearbox, Lynk & Co 03 also has a lot of minor problems. There will be abnormal noises in the central control, doors, air-conditioning outlets, fuel tanks, etc., black screens and other audio-visual system failures, battery leakage, road noise and Tire noise is relatively loud and so on.

"The Lynk & Co 03 uses the CMA platform jointly developed with Volvo. Like the Civic, the Lynk & Co 03 is positioned as a sporty family sedan. The suspension is relatively stiff, and the bounce is relatively fast. There is not much extra bounce when crossing ditches and ridges. Even on sparse roads, the filtering effect is remarkable, the overall texture of the chassis suspension is quite good, and the style of Volvo is quite obvious.”

Fang Yuan told Wang Yang that the steering wheel of this Lynk & Co 03 is very light at low speeds, but the steering texture is good, and the overall directivity is also excellent. When the speed increases slowly, the steering wheel becomes heavier.

He thinks that the steering wheel control of Lynk & Co 03 is a bit like Audi, which is very friendly to women, and it feels easy to control when driving at low speed in congested roads.The living example of Lynk & Co 03 tells Fang Yuan that not all steering wheels of sports-tuned models are very heavy, and they can be made more friendly.

Since Lynk & Co 03 has a lower body posture, the left and right support has been improved to a certain extent, and it will not lack confidence like the [-]th generation Honda Civic when cornering.

And this red Lynk & Co 03 2019 1.5TD DCT Jin Pro version has three driving modes for switching the knob, which are ECO, comfort and sports modes. There are two modes of comfort, and they can only be switched in the media screen.

Fang Yuan believes that Lynk & Co 03 is the best among China's independent brands in terms of handling performance, and it is better than the tenth generation Honda Civic.

The steering wheel of the tenth-generation Honda Civic is relatively heavy, and it is very heavy no matter what the state is. This is more like the feel of a BMW steering wheel. Girls can develop unicorn arms, and boys can save the cost of going to the gym.

Its suspension tuning is not bad, relatively tough, but the support of the suspension when turning or cornering is average, far inferior to Lynk & Co 03.
The CVT gearbox used in the Civic 2016 220TURBO CVT Premium Edition, generally speaking, its CVT gearbox acceleration and shifting experience should be very linear. For example, Nissan’s CVT gearbox is as smooth as Dove.

But Honda's engine is well built, and its CVT transmission is poorly tuned.

Step on the brake and shift to D gear, then gently release the foot brake and it will slide out slowly. The whole car behaves smoothly and nicely.

However, when the car owner is in a hurry and gets angry, the engine starts to growl at the beginning of the throttle, but the gearbox response is not positive, and the power is much weaker. It is obvious that this is a 1.5-liter self-priming acceleration level. , There is no turbo boost, not as fast as the Lynk & Co 03.

It is not until the acceleration enters the middle section that you can feel the explosive power that this car brings to you, and the entire mid-section acceleration process is very linear, which reflects the high level that a Honda engine should have.

But accelerating into the rear, the car was like a deflated ball, constantly going downhill, showing a state of complete weakness.

Fang Yuan felt that Honda engineers really wanted to give the driver a linear feeling when accelerating in European cars, but the result was counterproductive, and the tuning was fragmented.

Therefore, Fang Yuan suggested that car owners who like speed and passion should not buy the CVT version when buying the tenth generation Civic. The manual is the soul and charm of the Civic.

"The fuel consumption of this car is not low. The overall fuel consumption is about eight. Of course, the fuel consumption has a lot to do with personal driving habits."

Fang Yuan just finished introducing fuel consumption, Wang Yang looked at him with a confused face, and wanted to ask how much personal driving habits affect fuel consumption. He often drives the company's Buick GL8, and has never cared much about fuel consumption.

"It's a company car. It's different from a private car if the company pays for the gasoline." Fang Yuan explained to Wang Yang the simplest manual transmission. Generally, a manual transmission has five forward gears or six forward gears. A reverse gear.

If you want to save fuel, you must drive at a speed that matches the gear position. Don’t be afraid of troublesome gear shifting. High gear is low speed, low gear is high speed, or you can’t wait to start in fifth gear. It’s a waste of fuel to drive every day.

Fang Yuan explained very clearly, Wang Yang suddenly realized with a smile and nodded repeatedly, expressing that he understood.

"The maintenance cost of Lynk & Co 03 is not cheap. Fortunately, it is maintained every [-] kilometers, which is more expensive than the Honda Civic."

Lynk & Co 03 small warranty oil and oil filter change at 4S shop more than 900, after [-] kilometers to start oil change, oil filter, air filter, air filter and brake fluid need [-] .

"How much is this Lynk & Co 03?"

“这辆领克03 2019款1.5TD DCT劲Pro版2019年1月上牌，目前里程数2.2万公里，当年新车落地16.15万，现在我们正弘车行挂牌13.58万……”

"The license plate launched at the beginning of 19 is only selling for 13.58 yuan now?" Wang Yang suddenly remembered that the 2016 Civic 220TURBO CVT premium version in the distance was licensed in January 2017, with a mileage of 1 kilometers and a new car price including tax. 3, three years old, and 16.92.

After Fang Yuan finished introducing the red Lynk & Co 03 2019 1.5TD DCT Pro version, Wang Yang bowed his head and did not say a word, because his heart is very anxious now.

Compared with the Lynk & Co 03 Jin pro version of the tenth generation Honda Civic, in addition to various abnormal noises, loud noises, poor sound insulation, hard chassis, low configuration, slightly worse zero-to-[-] acceleration, and slightly inferior handling, it has stable quality and few minor problems. It can be said that the leather is durable, fuel-efficient, worry-free, cheap to maintain, and the cost of using a car is low.

The Lynk & Co 03 Pro version also has various abnormal noises, many engine and gearbox problems, and many small problems, and the rear space is small, but it is better than the good-looking appearance, high-grade interior, good chassis adjustment, good handling, and configuration high……

It is very difficult for Wang Yangjue to choose, because he wants both the spacious space of the tenth-generation Honda Civic and the high-end interior of the Lynk & Co 03 Pro version.

I want the elegant slip-back styling of the tenth-generation Honda Civic and the cool sports kit of the Lynk & Co 03 Pro version.

I want the durable leather of the tenth-generation Honda Civic, but also want the sharp control of the Lynk & Co 03 Pro version.

……

Anxious, which one should I choose?
After being hesitant and confused for a while, Wang Yang suddenly remembered something, and said to Fang Yuan with a wry smile: "Deputy Manager, I know you are a nice person, and I don't have the heart to lie to you. To tell you the truth, I can't even buy two cars." rise."

After saying this, Wang Yang lowered his head in shame, as if he was very worried that Fang Yuan would lose his temper.

It's no wonder Wang Yang was so embarrassed. Manager Fang tried his best to explain to himself for so long, but he finally released his pigeons. Thinking about it from his standpoint, who could not be angry?
Wang Yang bowed his head and waited for a while, but Fang Yuan who was standing opposite did not move at all, which was not what he expected.

what happened?

Wang Yang raised his head slightly and took a sneak peek at Fang Yuan, not to mention getting angry, and even his expression was the same as before, very calm.

Fang Yuan is really calm now, because he has already guessed through various signs that Wang Yang does not have enough money to afford a car worth more than [-] yuan.

Seeing Wang Yang's distressed appearance, Fang Yuan remembered his appearance some time ago.

At that time, he only had a few hundred Huaxia coins left in his pocket, and he couldn’t pay the rent or eat. If Manager Sun hadn’t lent him a thousand Huaxia coins, and Liu Liang would let him spend money from time to time, he probably wouldn’t be able to make ends meet. go down.

Fang Yuan could understand Wang Yang's mood at this time, and said to him slowly: "Brother Wang doesn't have a girlfriend yet, right? Is he making a down payment?"

"How do you know that I don't have a girlfriend? I'm still paying for the house?" Wang Yangmeng raised his head and looked at Fang Yuan with a surprised face. He couldn't imagine that the young man in front of him was not only proficient in car sales, but also Will the prophet read fortune-telling?

"How can I know how to tell fortunes?" Fang Yuan explained that he heard Lu Hongjuan joke with Wang Yang and asked him to buy a luxury car to find a girlfriend. As for Wang Yang's housing, it was purely guesswork, after all, Wang Yang's salary It should be quite high, but now there is not much money, either eating, drinking, whoring, gambling, or housing.

Fang Yuan observed Wang Yang for a period of time, and realized that he was very calm in dealing with others, not like a person who spends money lavishly, so he guessed that he was paying the mortgage.

"Your heart is too careful, and your guess is very accurate." Hearing Fang Yuan's explanation, Wang Yang smiled, then shook his head slightly to express his regret, and wanted Fang Yuan to change him to a car worth [-] to [-] yuan.

"No, you don't need to change it. As long as you confirm the model, I guarantee you can drive the car away."

"Really?" Wang Yang stared at Fang Yuan in surprise, showing a look of anticipation, "What can I do?"

"Our group has its own financial company, which can make installment payments for second-hand cars." Fang Yuan continued to ask Wang Yang seriously, "You have a mortgage now, and I need to make sure that you can bear the pressure of repaying both the mortgage and the car loan at the same time."

"Should be no problem." Wang Yang feels that his salary is not bad, besides, he has more than 7 yuan in his hand. Even if he buys a car with a loan, he is not buying a luxury car with a price of 10,000+ I can't borrow much money, "Do you have an interest-free one?"

"Interest-free?" Fang Yuan suddenly laughed, "I know what you mean by interest-free. There is no loan interest for buying a car, but I didn't say that I won't charge you for other fees. Maybe the miscellaneous charges are higher than the interest on the car loan."

"Oh? There are other expenses?" Wang Yang's eyes widened instantly, wanting Fang Yuan to explain it to him carefully.

In Fang Yuan's view, the second-hand car loan and the installment of the 4S store are actually the same thing. Fang Yuan introduced the car loan of the 4S store to Wang Yang.

Most of the 4S store sales consultants’ sales commissions are actually very low. Sometimes selling a bare car only earns a hundred or a few hundred yuan, relying on commissions from car loans, premium products, insurance, etc.

For example, when you go to a 4S store to buy a Honda Fit, the customer only earns two or three hundred for the naked car sales consultant. Of course, the sales consultant is not happy with such a popular model with a high value preservation rate. Will insist on letting customers go by installments.

Some car loans require a [-]% down payment, some require a [-]% down payment, and some loan periods range from two years to three years, or even five years.

The customer buys the Fit in three years with a naked car, and the sales consultant can basically earn a commission of [-]. Of course, the wool comes from the sheep, and the commission is still paid from the interest and handling fees paid by the customer.

In fact, even if you don’t have enough money to buy a car and you want to take the initiative to pay in installments, you can get a loan from a financial institution such as a bank by yourself.

It's just that some customers don't understand the procedures inside, and they don't know that they can take the materials to the vehicle management to make a mortgage registration, which is considered notarization.

"Can you still do it yourself?" Wang Yang was a little surprised.

"Yes, if you understand the process, you can save money by doing it yourself." But Fang Yuan smiled and made Wang Yang lose his mind, because some 4S stores require that they have to install loans with them, otherwise they will not sell the car.

"Oh, that's it." Wang Yang understood a little bit. It is estimated that those models that cannot be sold are fine, but those that are more popular are not. "Does your car dealer allow you to handle it yourself?"

"Our Zhenghong car dealer also requires that it must be handled at Zhenghong Financial Company, otherwise the car will not be sold."

Fang Yuan went on to explain the interest-free matter.

There are generally two situations for interest-free 4S stores.

One is the interest-free loan given to customers by automobile manufacturers in order to increase their sales, seize the market, and promote sales.

In this case, part or all of the interest incurred will be borne by the automobile OEM, and the customer who buys the car will indeed get benefits.

Fang Yuan emphasized here that the auto OEMs have exempted some or all of the interest from customers in order to engage in activities. They really want to increase their sales.

However, the models promoted by these OEMs are either unsalable models, some models with average sales, or very expensive models. set.

"I can understand this." Wang Yang felt that what Fang Yuan said made sense, those best-selling models were not worried about selling at all, and there was really no need to carry out promotions.

Manufacturers promote promotions, and the manufacturer bears part or all of the interest on interest-free loans. This is a real discount, and there are still tricks in it.

On the surface, it is zero interest, but a handling fee will be charged.

This handling fee has almost become the industry's default item. As long as it is paid in installments, it can be found in any 4S store, and it cannot be avoided at all.

分期付款的手续费从0.5%到3%到5%不等，当然也有乱来的，手续费涨到了5%以上甚至8%、9%。

Some 4S stores will say that their handling fee is cheaper than other 4S stores, only 1.5% or 2%, but there are such messy things as notary fees, imposing decoration, compulsory insurance, additional guarantee fees, and renewal deposits. Arbitrary charges.

At this time, adding all these fees together, plus the handling fee, is the real handling fee.

Some of these various charging items are non-refundable at all, and some are marked as security deposits, deposits and the like. Remember to ask them back after repaying the loan in the future, and then ask if the interest will be paid. If not, it’s fine. .

"Oh, let me go, the routine is so deep?" Wang Yang exclaimed. According to this routine, the so-called interest-free means that the interest generated by the loan is calculated in advance and other forms such as handling fees are paid before the customer buys a car. When, it was collected in advance at one time.

"Yes, that's what it means." Fang Yuan smiled, because Wang Yang summed it up very accurately.

The second situation is the interest-free loan provided by the auto 4S shop itself.

The 4S stores of automobile brands need to have a meal when they open their doors to do business. The interest-free loans they make themselves are just a gimmick to attract customers to buy cars.

Under the guise of buying a car at zero interest rate, the waived interest is not a small amount of three hundred and five hundred, one thousand two thousand.

Without the support of the manufacturer, if this is really done, it is almost like selling a car to pay for a car, and the 4S store may close down in a short time.

So without loan interest, 4S stores will also charge handling fees, notarization fees, imposition of decoration, mandatory insurance, additional guarantee fees, renewal deposits, etc. After all, the money lost by selling cars is all earned back by these.

And not only to earn back the money, but also generally higher than the loan fee when the manufacturer engages in activities. At this time, the loan interest rate is between 5% and 8%, which is far higher than the 3% when the manufacturer engages in activities.

Fang Yuan warned Wang Yang that when encountering a zero interest rate car loan, don’t go over to buy a car immediately, but to see clearly which models are involved in the event, and whether the car you like enjoys the zero interest rate discount.

Then ask about the interest rate of the handling fee, whether there are mandatory clauses, whether to charge notary fees, imposing decoration, mandatory insurance, additional guarantee fees, renewal deposits, etc., to decide whether it is worth buying.

"I understand that if the handling fee for a zero-interest loan is high, it may not be cost-effective, and it may be even more deceitful." Wang Yang smiled wryly and sighed that the routine was too deep, so he shut up and stopped mentioning the interest-free matter.

"If you want to get a loan to buy a second-hand car, there are generally three ways." Fang Yuan told Wang Yang, the first is to borrow money from relatives, friends and parents, and the second is to borrow money from the bank.

The bank will generally check your credit records. When you hold the information in the past with hope, you think you can borrow so much...

The bank tells you that you can only borrow so much...

The gap between reality and ideal may be the difference between Alto and Audi. The loan amount is too small, so at this time, the only option is the third option, which is a financial institution.

There are certain thresholds for various financial companies. It’s not about giving money to customers. Customers can buy cars anywhere in the world with the money. For example, if you want to buy a second-hand car with a loan from a financial company of Zhenghong Group, you must come to a designated Zhenghong car dealership. , Going to other places is simply invalid.

These financial companies generally choose reliable, large-scale or cooperative used car dealers.

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