Manufacturers competing to wade car loan.
The overall auto market downturn, forcing vendors who rack their brains to think of a useful or useless tricks whether only one purpose, that is, first attracted the attention of consumers say. It is in this case,glue stick a few years ago was once again cool to be a car credit companies offering out.
Recently, the first independent brand auto finance companies - Chery Auto Finance Limited was granted a silver logo, then there are news of a joint venture with General Electric Brilliance auto finance company is expected to officially open in October, glue gun while the JAC and Changan Automotive are also likely this year to establish their own auto financing company.
Prior to this, including Toyota, General Motors, Ford, Volkswagen, Daimler - Chrysler, PSA Peugeot Citroen, Volvo and Fiat, Nissan auto giants, including 9 in China as the auto financing has been company. Industry is expected, the next step, Hyundai and Beijing Automotive Holdings is expected in China to set up another joint venture, a new auto finance company. No wonder many people expected, with the joint-venture factory layout and its own brand, power and auto finance companies in 2008 will rekindle the passion. A highlight of which is its own brand auto finance company in 2008, is brewing a collective breakthrough.
Reporter in the provincial capital of 4S stores have also found a number of brand, Volkswagen, General Motors, the hippocampus, Toyota and other manufacturers 4S shop in a prominent position, are filled with cars of their own credit leaflets, business which is nothing less effort.
Consumer reviews mixed.
If the credit for the car really quick and easy, as various publicity can bring benefits and convenience to consumers, most say, or its users and potential users. But the reporter recently discovered in the interview, reality and the expectations of manufacturers still have not a small gap.
The hall to see the car who was surnamed Wang, consumers told reporters that he was ready to consider the price of 15 million to buy a car within, as loans to buy a car, he confessed that "no consideration." The reason is "loans to buy a car worth." The gentleman said that the car is a pure consumer goods for him, not preserve, if not enough money, he would not consider buying a car. "Bought a car after the car should also be considered, maintenance and other issues. If their loans to buy a car, in addition to the monthly mortgage, but also for gas money, parking fees, road maintenance, the burden is too heavy." In another 4S stores, provide cars for procedures are the views of Mr. Sun, Mr. Wang is exactly the same as above.
In contrast, loans to buy a car more acceptable to young people. Miss Xu to work just three years to work in a bank, she was ready to loan to buy a Jetta. She says, she wanted to own a car of their own, but because of their shorter working hours, not so much savings, loans can only consider buying a car. According to her, lending their units many young people buy a car, according to her income level, every month for the month is no problem. And sales in a company, Mr. Wang said, because they usually many opportunities to go out, therefore, want to buy a car to do a means of transport. Comprehensive comparison a bit, car loans is still relatively cost-effective. But the procedure is a bit complicated, if we can simplify the procedures for the better. It is understood that in order to prevent the emergence of auto loans, bad debts, banks and auto finance companies are a lot of accounts and property, and so do the requirements.
Mixed views of potential consumers, car loans to consumers have been the same. Commend those who have, quite a few detractors.
"Mentioning the loans to buy a car to a stomach gas." Own Lee opened a small company to talk about car loans to gas, "the company bought a commercial vehicle loans, there are more than a month late because of something a few days also section, the results were security company vehicles drove away secretly, and finally pay an extra several hundred dollars for this additional cost, angry. I admit that I have mistakes, but you can not fail to say hello to me put the car drove off ah. "The reporter has learned, like the Lee case, is particularly prevalent in previous years.
Zhengzhou automobile market, credit pulled weakness.
To cheer the sluggish auto market, car manufacturers are not the car is quite a hard credit, and start a series, including low down payment, low interest rates, zero commission, flexible loan and other measures to attract more consumers to buy a car. However, as manufacturers like auto loan can "loan" move auto market? Recently, the reporter interviewed the capital of the automotive market survey found that the situation is not optimistic.
In a northern suburb of Zhengzhou, 4S stores, sales staff, told reporters in their customers, who use the loan to buy a car most people who own company, senior car-based models also, very few economic cars. Overall, people who use credit to buy a car less than 10% of sales a month, about a dozen people ask about the business, to make five or six Shan has been pretty good. And many consumers believe that car loans is complicated, strictly, to approve a long time, very convenient. Give up the loan to buy a car.
Face of China's huge auto credit market, banks are not interested in it? Of course the answer is no, but they also have difficulties. A bank staff told reporters that the first two years, the domestic prices of non-stop down, a lot of new car prices are even lower than the loan balance remaining, so in the domestic credit system is not perfect circumstances, the customer does not repay the phenomenon frequently occur, resulting in a large number of bad loans, many banks have made out or increase the down payment auto credit market.
Prevalent in the difficult auto market automobile credit, the other reason is economic models of product positioning, which is difficult to break through auto credit "bottleneck."
An economy car dealer, said in an interview, although his own business since the service provides car loans, but in fact consumers are not receiving this service and more. One of the reasons, in addition to manufacturers in product promotion is not doing enough, resulting in the popularity of models is not high, the product positioning as a constraint to carry out another car credit business obstacles. "Like this economic model, the user mostly one-time payment, apply for loans to very few, therefore, engage in car loans is not much that means." The dealer said.