2023-08-18 22:37:30
In the animation “The Life of the Monkey in Sandao”, the protagonist is a convenience store clerk with a monthly salary of only 37,000 yuan. He has student loans and card fees, but he also financed the purchase of second-hand heavy machines. Terms such as “project” have also attracted attention. However, the lawyer said that picking up a car at zero yuan is “the wool is on the sheep.” It is not really zero interest rate, but the interest is added to the selling price. It reminds you to read the contract clearly when buying a car with a loan. You must know the consequences before deciding whether to buy this car.
Xu Hongren, deputy director of the New Taipei City Legislative Affairs Bureau, said that there is no term “financing loan” in law, which means borrowing money. Buying a used car with a small amount of money has zero interest on the full amount, and the interest is added to the sale price.
In the film, the protagonist lends money to his girlfriend to buy a car but refuses to come back. Xu Hongren also reminded him that if he wants to borrow money, he should write down how much he borrowed and when he will pay it back. Otherwise, even the loan information on the communication software may not necessarily become strong evidence.
Li Huixuan, the lawyer in charge of Huisheng Law Firm, said that “the wool comes from the sheep.” If you can buy a second-hand heavy machine with 100,000 yuan in cash, it may become 128,000 yuan with zero interest in installments, or even In conjunction with the “Conditional Sale” of Article 26 of the Movable Property Guaranteed Transaction Law, before the installment payment is paid off, the ownership of the car belongs to the car dealer. Once the money is not paid on time, the car will be towed away. Remind that when buying a car with a loan, you must read the contract clearly.
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