Chapter 210: Interest-free loans are a pitfall

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

If you are often congested on your way to and from work and need to walk and stop 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.

If you don't care about the shaking of the 1.5T three-cylinder engine when starting and accelerating sharply, the commute is relatively smooth, Fang Yuan still recommends buying the 1.5T top configuration, firstly, the price is cheaper under the same configuration, and secondly, the 1.5T engine is powerful and fast-accelerating, 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 transmission is very stable, and the addition and subtraction of gears are completed cleanly.

The 2.0T four-cylinder engine does not shake, and the AT transmission is more stable and durable, and there is no danger of burning the clutch plates when peristaltic at low speeds for a long time, but this AT transmission also has stuttering and shaking.

It will be frustrated when starting and shifting at light throttle, staggering when loosening the throttle and downshifting, and staggering when sliding downshift without stepping on the accelerator, and the first three gears are very slow to shift, and the whole car will shake when driving normally.

In addition to the engine and gearbox problems, Lynk & Co 03 also has a lot of minor problems, such as abnormal noises in the central control, doors, air conditioning outlets, fuel tanks, etc., audio and video system failures such as black screens, battery runs, road noise and tire noise are relatively large, and so on.

"Lynk & Co 03 uses the CMA platform jointly developed with Volvo, Lynk & Co 03 is the same as the Civic, positioning sports sedan, the suspension is relatively stiff, the bounce is relatively fast, when crossing the ditch, there is no excessive bounce, even if it is a sparse road, the filtering effect is also remarkable, the overall texture of the chassis suspension is quite good, Volvo's style is quite obvious. ”

Fang Yuan told Wang Yang that the steering wheel of this Lynk & Co 03 is very light at low speed, but the steering texture is good, and the overall directivity is also excellent, and the steering wheel will be heavier when the speed slowly goes up.

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

Because the Lynk & Co 03 has a lower stance, the left and right support has been improved to a certain extent, and there will be no lack of confidence when cornering like the 10th generation Honda Civic.

And this red Lynk & Co 032019 1.5TDDCT Jin Pro version, its knob switch driving mode has three types, namely ECO, comfort and sport mode, with the steering wheel shift to increase the driving pleasure, while the model version only has ECO and comfort two modes, and can only be switched in the media screen.

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

The steering wheel of the 10th generation Honda Civic is heavier, and it is very heavy in any state, which is more like the steering wheel feel of BMW, girls can train unicorn arms, and boys also save the cost of going to the gym.

Its suspension tuning is not bad, it is more tough, but the suspension support when turning or cornering is average, far less than the Lynk & Co 03.

The CVT transmission used in the 2016 220TURBOCVT Premium Edition of the Civic, according to the general situation, its CVT transmission acceleration and transmission feeling should be very linear, for example, Nissan's CVT transmission is as smooth and smooth as Dove.

But Honda's engine is well built, and its CVT transmission tuning is terrible.

Step on the brakes and dial D gear, and then gently release the foot brake will slowly slide out, and the whole car is very smooth and nice.

However, when the owner is in a hurry to get on fire with a foot of deep oil, the engine begins to roar at the beginning of the throttle, but the gearbox reflects not positively, and the power is much weaker, and it is obvious that this is a 1.5-liter self-priming acceleration level, and there is no turbocharging blessing, which is not as fast as the Lynk & Co 03.

It's not until you accelerate into the middle section that you can feel the explosive power that this car brings to you, and the whole acceleration process in the middle section is very linear, reflecting the high level of Honda engine.

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

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

Therefore, Fang Yuan suggests 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 comprehensive 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.

"That's the company's car, and the company pays for the gasoline money, which is of course different from a private car. Fang Yuan explained to Wang Yang the simplest manual gear, generally the manual gear has five forward gears or six forward gears, plus a reverse gear.

If you want to save fuel, you must travel at a speed that matches the gear, and you can't be afraid of the trouble of shifting, high-end and low-speed, low-speed and high-speed, or you can't wait to start in five gears.

Fang Yuan explained very clearly, Wang Yang suddenly smiled and nodded again and again, indicating that he understood.

"The maintenance cost of Lynk & Co 03 is not cheap, but fortunately, it is 10,000 kilometers of maintenance, which is more expensive than the Honda Civic. ”

Lynk & Co 03 small oil and oil filter change in the 4S shop more than 900, and after 10,000 kilometers to start changing the oil, oil filter, air filter, air filter and brake fluid need 1,450.

"How much does this Lynk & Co 03 cost?"

"This Lynk & Co 032019 1.5TDDCT Jin Pro version was licensed in January 2019, with a current mileage of 22,000 kilometers, and the new car landed 161,500 that year, and now we are listed at Zhenghong Car Dealership for 135,800 ......"

"The license plate at the beginning of 19 years is only selling for 135,800 now?" Wang Yang suddenly remembered that the Civic 2016 220TURBOCVT Premium Edition in the distance was licensed in January 2017, with a mileage of 30,000 kilometers, and the new car price was 169,200 including tax, and the three-year car was 139,800.

Fang Yuan finished introducing the red Lynk & Co 032019 1.5TDDCT Jin Pro version, Wang Yang lowered his head and did not say a word, because his heart was very anxious now.

Compared with the 10th generation Honda Civic and Lynk & Co 03 Jin Pro version, in addition to all kinds of abnormal noise, loud noise, poor sound insulation, hard chassis, low configuration, slightly worse 000 acceleration, slightly inferior control, it has stable quality and few small problems, it can be called durable, fuel-efficient, cheap maintenance, and low car cost.

The Lynk & Co 03 Jin Pro version also has a variety of abnormal noises, many engine and gearbox problems, many small problems, and small rear space, but it is better than the appearance, the interior grade is high, the chassis tuning is good, the handling is good, and the configuration is high......

Wang Yangjue's is very difficult to choose, because he wants both the spacious space of the 10th generation Honda Civic and the high-end interior of the Lynk & Co 03 Jin Pro version.

I want the elegant fastback styling of the 10th generation Honda Civic, and I want the cool sports package of the Lynk & Co 03 Jin Pro version.

I not only want the leather durability of the 10th generation Honda Civic, but also want the sharp handling of the Lynk & Co 03 Jin Pro version.

......

Anxious, which one should you choose?

After being confused in his heart for a while, Wang Yang suddenly remembered something, and said to Fang Yuan with a wry smile: "Deputy manager, I know that you are a good person, and I can't bear to lie to you, to tell you the truth, I can't afford to buy two cars." ”

After saying this, Wang Yang lowered his head in shame, as if he was very worried about Fang Yuan's madness.

It's no wonder that Wang Yang is so embarrassed, the manager of the other party tried his best to explain to himself for so long, but he finally released his pigeons, and thought about it from the standpoint of others, who can not get angry?

Wang Yang lowered his head and waited for a while, but Fang Yuan, who was standing opposite, did not move at all, and it was not as he expected.

What's going on?

Wang Yang raised his head slightly and secretly glanced at Fang Yuan, only to see that he was angry, and even his face was the same as just now, very calm.

Fang Yuan was indeed calm now, because through various signs, he had already guessed that Wang Yang did not have enough money and could not afford to buy a model of more than 100,000 yuan.

Looking at Wang Yang's embarrassed appearance, Fang Yuan remembered what he looked like some time ago.

At that time, he only had a few hundred Huaxia coins left in his pocket, he couldn't pay the rent, he couldn't afford to eat, if it wasn't for Manager Sun who lent him a thousand Huaxia coins, Liu Liang would let him eat from time to time, and it was estimated that he wouldn't be able to last for a long time.

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

"How do you know that I don't have a girlfriend and I'm still providing for a house?" Wang Yang raised his head and looked at Fang Yuan, revealing a surprised face, he really couldn't imagine that this young man in front of him was not only proficient in car sales, but also fortune-telling?

"How can I read fortune telling?" Fang Yuan explained that he was listening to Lu Hongjuan and Wang Yang joking, asking him to buy a luxury car to find a girlfriend, as for Wang Yang's house, it was purely a guess, after all, Wang Yang's salary should be quite high, but now he doesn't have much money, either eating, drinking, prostituting and gambling, or providing for the house.

Fang Yuan observed Wang Yang for a while, and realized that he was very calm in dealing with people, 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. After listening to Fang Yuan's explanation, Wang Yang smiled, and then shook his head slightly to express his regret, and wanted Fang Yuan to change him to a model of fifty or sixty thousand.

"No, you don't have to change it, as long as you decide on the car model, I guarantee you can drive the car away. ”

"Really?" Wang Yang stared at Fang Yuan in surprise, revealing an expectant look, "What's the solution?"

"Our group has its own financial company, which can do used car installment payments. Fang Yuan asked Wang Yang seriously, "You have a mortgage now, I want to make sure you can bear the pressure of a mortgage and a car loan at the same time." ”

"I guess that's fine. Wang Yang felt that his salary level was okay, and he had more than 70,000 yuan in his hand, even if he took out a loan to buy a car, it was not to buy a luxury car of tens of millions, and the price of hundreds of thousands of dollars could not borrow much, "Do you have any interest-free kinds?"

"Interest-free?" Fang Yuan suddenly smiled, "You said that you are interest-free, I know that there is no loan interest when buying a car, but I didn't say that I won't charge you other fees, maybe the miscellaneous charges are higher than the car loan interest." ”

"Oh, what other expenses?" Wang Yang's eyes widened instantly, wanting Fang Yuan to give him a detailed explanation.

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

The sales commission of most 4S store sales consultants is actually very low, sometimes selling a naked car only earns 100 yuan, or hundreds of yuan, relying on the commission of car loans, boutiques, insurance, etc.

For example, go to the 4S store to buy a Honda Fit, the customer buys a naked car The sales consultant only earns two or three hundred, such a best-selling model with a high retention rate, of course the sales consultant is not happy, even if the customer wants to buy the car in full, the sales consultant will insist on letting the customer go in installments.

Some car loans have a down payment of 20%, some have a down payment of 30%, and the loan cycle is two years, some are three years, or even five years.

The customer buys the Fit in installments for three years, and the sales consultant can basically earn a commission of 1,78 yuan, of course, the wool is out of the sheep, and the commission is still 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 want to take the initiative to pay in installments, you can also find a financial institution such as a bank to handle the loan.

It's just that some customers don't understand the procedures inside, and they don't know that they take the information and go to the DMV to do a mortgage registration by themselves, which is considered a notarization.

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

"Yes, if you understand the process, it is more economical to handle it yourself. But Fang Yuan smiled and made Wang Yang die, because some 4S stores require that they must take out a loan in installments, otherwise they will not sell the car.

"Oh, that's right. Wang Yang understands a little, it is estimated that those models that can't be sold can be, but those that sell better cannot, "Do your car dealers allow you to handle it yourself?"

"We at Zhenghong Auto Dealership also require that it must be handled by Zhenghong Financial Company, otherwise we will not sell cars. ”

Fang Yuan then explained the matter of interest-free.

There are generally two types of interest-free 4S stores.

One is that in order to increase their own sales, in order to seize the market, in order to promote the initiative to give customers interest-free loans.

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

Fang Yuan emphasized here that in order to carry out activities, the automobile OEMs exempted some or all of the interest from customers, and they sincerely wanted to increase their sales.

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

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

Manufacturer promotion, interest-free loan by the manufacturer to bear part or all of the interest, this is a real discount, there is still a cat greasy.

On the surface, there is zero interest, but there is a handling fee.

This handling fee has almost become the default item in the industry, as long as it is paid in installments, it is available in any 4S store, and it is impossible to hide at all.

The handling fee for installment payments ranges from 0.5% to 3% to 5%, and of course, there are also random incidents, and the handling fee rises to more than 5% or even 8% or 9%.

Some 4S stores will say that their handling fees are cheaper than other 4S stores, only 1.5% or 2%, but there are no notary fees, imposed decorations, compulsory insurance, additional guarantee fees, renewal deposits, and other messy fees.

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

Some of these charges are non-refundable, and some are marked as deposits, deposits, etc., remember to ask them back after repaying the loan, and ask again if you don't give interest, if you don't give it, forget it.

"Oh, I'll go, the routine is so deep?" Wang Yang exclaimed, according to this routine, the so-called interest-free, that is, the interest generated by the loan is calculated in advance through other forms such as handling fees, and when the customer buys a car, it is 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 made by the auto 4S shop itself.

The 4S store of the car brand is just right to open for business, and their own interest-free loan is a gimmick to attract customers to buy a car.

Under the guise of buying a car at zero interest rate, the interest waived is not a small amount of 3,500 or 1,200.

Without the support of the manufacturer, if you really do this, it is almost like selling a car and losing a car, and it may not take long for the 4S store to go out of business.

Therefore, without loan interest, the 4S store will also charge handling fees, notary fees, imposed decoration, compulsory insurance, additional guarantee fees, renewal deposits, etc., after all, the money lost from selling a car depends on these to earn back.

And not only to make money back, but also generally higher than the loan fee when the manufacturer engages in activities, the loan interest rate at this time is between 5% and 8%, 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 as soon as your head is hot, but see clearly what models are used for activities, and the models you like enjoy the discount of zero interest rate.

Then ask how much the handling fee interest rate is, whether there are mandatory clauses, determine whether to charge notary fees, impose decoration, compulsory insurance, additional guarantee fees, renewal deposits, etc., in order to decide whether it is worth buying.

"I understand that if the fee is high, the zero-interest loan may not be cost-effective, and it may be even worse. Wang Yang smiled bitterly and sighed that the routine was too deep, and he closed his mouth and stopped mentioning the matter of interest-free.

"If you want to take out a loan to buy a used car, there are generally three ways. Fang Yuan told Wang Yang that the first was to borrow money from relatives, friends, and parents, and the second was to borrow money from the bank.

Banks will generally check your credit history, and when you are hopeful that you can borrow so much......

Banks tell you that you can only borrow so much......

The gap between reality and ideal may be the difference between Alto and Audi, the amount of the loan is too small, so at this time there is only a third way, that is, financial institutions.

For example, if you want to borrow money from the financial company of Zhenghong Group to buy a second-hand car, you must come to the designated Zhenghong car dealership, and it is ineffective to go to other places.

These financial companies generally choose second-hand car dealers that are reliable, relatively large-scale or have cooperative relationships.