This issue involves interests, and manufacturers are naturally not stupid. 0 down payment is unbearable for any industry, and the huge capital vacancy is absolutely unbearable for large enterprises with deep pockets, so they will generally join hands with loan companies to complete it. The interest of these loan companies is much higher than the normal car loan interest of banks. Another example is a car with the same amount of 200,000, and a 30% down payment loan. After five years, the total amount you need to repay is about 6.5438+0.9 million yuan, and if it is 0 down payment, the loan amount is 200,000 yuan. After five years, the total amount you need to repay is about 320,000 to 350,000 yuan. It may be higher in some areas.