There are many car financial leasing doors, do you really know?

Many consumers will be unfamiliar to the concept of “financial leasing”, but some people have heard that they have heard of it, and some people have even tasted sweets or suffered losses.
In fact, the non -bank finance form of financial leasing is relatively mature in Europe and the United States, and it has also begun to apply in the domestic automobile consumer industry.
only “10 % down payment” through car financial leasing?
A even 0 down payment?
Is the model of this low down payment car purchase is a routine?
What is the car financial leasing model?
Today I will take you to understand the financial leasing business of the new car.
01
What is the car finance lease?
First of all, automotive financing leasing is just a small segment of financial leasing. Large machinery and production materials can be carried out for financial leasing. Regarding the definition of financial leasing, there is a more academic explanation in a certain encyclopedia. Xiaowu briefly gives everyone an example based on their own understanding.
It simple and straightforward to introduce financial leasing. For example, a certain airline is opened to open a beautiful route, but A does not have an airplane. It is simply a night.
How to solve it? A found a super rich, hoping that he could buy the plane and then rent it to him, pay the rent every month, and pay the rent after 10 years to have an airplane ownership.
The total contract for the contract for the contract to buy is higher. C always feels that the business is cost -effective, so it is decided to trade with A. This plan is called financial leasing. The word breeding land is still very vivid here.
So “Auto Financing Leasing” simply understands it. It is well understood: financing through car rental, so as to achieve advanced consumption.
The consumer, financial leasing companies, and automobile dealers/manufacturers can obtain what they want through financial leasing. It can be said that it is a win -win situation.
The minimum down payment for conventional car loans is 30%, and the purchase tax, insurance and other costs must be counted. However, in the financial leasing, because the consumer and the financial leasing company are only leased relationships, consumers only need to pay the rent on a monthly basis. Consumers’ early investment costs.
02
is the car financing lease buying a car or renting a car?
The is one of the focus of the problem. Some people buy cars through car financing leasing. After a few months, they suddenly felt like “suddenly realizing”: No, I pay so many rent every month, the car is not a loss in my own name? These people basically do not look at the contract, and have no in -depth understanding of the new car purchase model of car financial leasing.
The auto financing leasing is mainly composed of three parties, lesseans (consumers), financial leasing companies, suppliers.
The consumer signed a contract as a vehicle lessee and a financial leasing company;
The financial leasing company and supplier signed a leased property to buy and sell contracts, pay the payment to buy leased property; The right to use the vehicle and pay the lease fee every month;
The consumer obtains the vehicle’s after -sales service from the supplier.
The last point is that the calculation method of car rental costs is time. For example, 70 yuan per day is always the time dimension of calculating the rent based on the use time. The car financing lease model is calculated at the time of consumers’ occupation of funds, so interest fees are inside.
It simply speaking, the financial leasing platform gets money from the capital market, replaced the money with a car, and then given consumers, and it is still a low down payment method. The costs of risk and capital costs from the capital market and the cost of capital costs (may be complicated). These costs are all borne by the financial leasing company. Therefore It is much more, so the overall cost is higher than that of consumers who bought the car at the beginning.
For consumers who choose car financing leasing, originally because of insufficient credit qualifications, insufficient funds, or not wanting to buy all funds in their hands, they can drive in advance through the financial lease model, or they can drive in advance for several years, or It is also expensive to make money in your hand in your hand. In addition, all the rents are old cars, and financial leasing can also buy new cars.
02
Who is more suitable for financial leasing?
Who is more suitable for such products?
1 is a small and medium -sized business owner who has the ability to repay in the long run;
is money, but this money is spent more to make more;
three three It is a person who is more sad to collect credit in the banking system and does not want to occupy the bank’s credit limit.
The third- and fourth -tier cities will have a little more, without mortgage assets, and relatively low wage income, banks are unwilling to apply for loans with a small amount.
The car buyers with the above situation are still many. From the actual car financing cases, it can be analyzed that young people in the “sinking market” in third- and fourth -tier cities prefer car financing leasing.
The childhood likes to contact new things and improve the quality of life through car purchase. They do not have high income, but they also have a certain savings, because there are no loan records and mortgagable assets. It is difficult to buy a car from a bank loan, so they buy the car through the “10 % down payment” of the car financing lease.
, and the current car consumer market in first -tier and second -tier cities is basically saturated, there are no jumping vehicles in third- and fourth -tier cities, and the number of potential consumer groups is huge. Object.
This from the authors of the car home car, does not represent the point of view of the car home.