Which platforms are more reliable on the zero down payment car purchase?

At present, on major online platforms (QQ groups: WeChat group, dating group, real estate group, Chongqing forum, etc.) often received such information, I checked it. Last year, Jimo developed a lot of business in this area. Get up. Indeed, some companies have provided such seductive “affordable” policies, so is it really reliable to buy a car with zero down payment?

What is the concept of zero down payment?

It zero down payment is also a way of mortgage, which means that the money for buying naked cars can be solved by loan, but the vehicle purchase tax, insurance, and license fee will be paid when buying a car.

The new car loan policy released on January 1, 2018 said that the highest loan amount of traditional power vehicles is 80%of the car price, so how can zero down payment do? In fact, this is a “kitten” developed by the merchants themselves. For example, 100,000 cars can loan 80,000 according to the highest percentage of the national car loan policy. So how can there be the remaining 20,000 to solve it? At this time, banks, credit cards, and loan companies appeared, and the remaining 20,000 yuan was to help you solve it.

It, it seems that zero down payment is still good ~ It is very suitable for young people without down payment capabilities. But is this really the case?

The depth of water depth of the down payment. Pay attention to property safety

Zero down payment is actually an irregular mortgage method. It is also mentioned that the highest national car loan policy can only go to 80%, so how do merchants deal with the remaining 20%? For another example, for example, the price of a car is 80,000 yuan. Although the highest percentage of merchants loan from banks is also 80%, they can change the invoice to 100,000. All 10,000 pieces of models were loaned out. However, this requires the “relationship” of the merchant and the bank, and the preferential intensity of the vehicle purchased by consumers will be canceled, and some boutiques must be mandatory. Buy and sell.

The method of zero payment method is that the merchant first helped the consumer to buy the car, and then help consumers cash out the credit card. He Green Ben still belongs to the cash -out company. The owner only has the right to use. When the owner pays back the money, he can get the ownership of the car.

The above two methods are still talking about. The following methods are the nightmare of zero -headed car purchase.

The merchants use “zero down payment car purchase” as an exaggerated gimmick and use it in advertising. I believe everyone has heard of it. It is just a large number of restrictions in it. In fact, it is not a real zero -headed payment.

▲ Exaggerated advertisement

The criminals use these exaggerated propaganda. It is claimed that such business can be fully held on behalf of.

of course, there are indeed in the society that specifically use various vulnerabilities (such as high purchase invoices, etc.) to realize the intermediary of the empty glove white wolf. This situation belongs to a willingness to be willing to be willing, risk to bear itself, not in the scope of discussion today.

The discussion today is that everyone can often see in small advertisements and spam messages on the roadside. It is a “zero down payment car purchase” that is truly fraud.

▲ ▲ Small ads of wire pillars

Yes, this is another kind of fraud. The purpose is to deceive you for thousands of dollars; big will make you carry millions of usury, and the credit record records are completely destroyed.

▲ Liar from the abyss

So how do they operate?

The first step: extensively spread garbage advertisements, the purpose is to attract the “white households”. The so -called “white households” refers to those who do not have any bad credit records at the central bank’s credit reporting center. After the white households are hooked, the scammers will ask for a full set of relevant information on the grounds that they are fully right to buy a car purchase business.

▲ ▲ The bustling bustling, all are the benefits of

Step 2: The scammers buy a luxury car in the name of “white household”, which is worth about 500,000 to 1 million yuan between. Then, on the grounds of applying for a car credit loan, you are required to cooperate with a series of documents that include a series of wages, including salary flow to fully prove your repayment ability, and meet different risk preferences including banks and other loan institutions.

(car credit loans are generally divided into three types: 1. Credit loan of banks 2. Automotive finance companies 3. Credit loans of small loan companies)

▲ Zero down payment The purchase of luxury cars

In Step 3: While buying the car, the scammers start applying for a large credit card through some “familiar” bank credit card centers. Further improvement.

▲ Credit card

Step 4: At this time, the scammer will make the vehicle for the first mortgage loan. The first mortgage loan generally chooses financial institutions such as banks, automobile finance companies or small loan companies. At this time, the mortgage registration procedures are required at the vehicle management office in the area, and the personal motor vehicle registration certificate is pledged. The amount you can get here is about 60 % to 70 % of the vehicle value.

(here: Note: The fundamental difference between pledge and mortgage is whether to transfer the possession of the guarantee property. The mortgage does not transfer to the formula of the mortgage. The pledged material occupation form is responsible for keeping the pledged objects by the pledge. That is, the mortgage car is still in the hands of the scammers, but it has been boarded in the vehicle management office.)

It is already registered in the vehicle management office, so the scammers can only choose civil loan when they are duplicated and duplicated mortgage for two or three.

▲ Folk Loan Company

Step 5: At this time, the scammers turn their targets to some Internet financial companies or private lending institutions that lack “high -quality borrowers” and use agreement mortgage loans. Or the loan method, although the amount of borrowing is not too much, the single amount is about 50,000 to 100,000, but the benefits are self-evident. Regarding whether the borrower’s vehicle has been mortgaged, most of these Internet financial companies or private lending institutions are holding an attitude of opening one eye and closing one eye: “The car he drives is worth 1 million yuan, will it lie to me? Is it 50,000 yuan? “

is also because the information between these emerging lending institutions is incompatible with each other, and scammers can be made of many institutions.

Step 6: At this time, the scammer will monetize the car purchased. There are two ways, private pledge loans, or black cars, because this “luxury car” is basically basically basically It hasn’t been driven, and the realization ability is basically more than 20 % of the car price;

▲ Sold in remote areas

Step 7: Big drama starts! The scammers use the large credit cards they have applied to use all kinds of ways to cash out and overdraft; after the above steps, the funds they have set up are easy to exceed 2 million.

This, except for various borrowing institutions received different degrees of losses, “white households” as the biggest victims may bear unclear debt and completely discredit credit recruitment records.

Zero down payment must be on the private households.