Wednesday, April 29, 2009

Zero-interest rate car loan" can lift the automobile market Chunshui

By Zou himfr

Shanghai Volkswagen has newly perceived of a joint economic business for Volkswagen Santana Zhi jun which realized a model car 0 spare-time activity rate credit achievements, the heart does not dismay, but also discerned a unexpected a sparkling eyes.

0 spare-time activity rate, gives the first impression is that this model is signed higher to enhance sales. This is because the brand Santana is well-known in China, has for many years, China's population are to pay for Santana as a symbol of social relative standing, have the heart of it is perhaps impressed by the prolonged basically forgotten. Santana, thus, is a high-profile "stars", as prolonged as the "stars" transferred a tiny, that is a start for attention will be the news, it ought be said that the experience of modern society. Zhi jun Santana car 0 spare-time activity rates ought be supposed as a very blatant star of the "news", has rouse much public attention is of course inevitable.

Moreover, the effectiveness of financial issues are always an economic issue. For the same size of the two funds used to buy a car if the former one-time, and only the latter part of the first for a car, while the remaining funds used to do other things first, if it is used to make money, if the efficiency high, the may receive more funds; if it is first used to do other valuable things, done the same and then to pay the balance, it means that the same funds, the efficiency in the use of funds and the actual occurrence of a number of effects on changes in access to more revenue. 0 interest rates, consumers do not need to pay for other costs to the consumer will be funds for other uses of time, consumers in this area will inevitably produce more "reverie."

Then, again an analysis of dissimilar districts of population will commonly Santana Zhi jun0 What would be their reaction rates.

First of all, Santana Zhi jun sequence forms in the cost between 124,800 yuan ~ 8.98, is a mid-size vehicle, household vehicle market, Chevrolet is opposite the biggest number of buyer groups. This is of course by the conclusion of China's nationwide conditions. At present, about 13% of families come to Income 10 million-year mark. Year Income 10 million, this is just to purchase a vehicle barricade, for a family of three, married man and wife duo is a force-free one year can purchase a vehicle, in agreement with the earnings can only be acquired from a mid-range of family car. Decision in agreement with the earnings grade of the characteristics of life, generally middle-class families in order that their first concern will not have to purchase a bigger financial stresses, cost-effective model. In this way, Zhi jun Santana in the middle class of China's vehicle has been taken into account.

In this premise, if it is to reduce the threshold of the purchase, the majority of consumers naturally has great appeal. It is also well understood, one of three homes in order to buy a car, you scored 10 million in cash, even if affordable, would feel very distressed. After all, three homes, they accounted for 100,000 yuan in a large part of their savings, a one-time investment of all the 100,000 yuan, it may lead to their use of funds for some of the occupation, resulting in financial pressure. Therefore, do not rule out the possibility that the family will be suspended plans to buy cars. Volkswagen Santana financial Zhi jun carried out on 40% down payment, or 4.8 million in cash, the remainder of the money available to pay on the way, thereby lifting a lot of middle-class families the economic bottleneck car. At the same time, 0 interest rates, inflation in times of a economic environment, it seems that in practice it means that low-paid, at the same time, consumers pay a one-year period 6 thousand dollars per month in cash and no additional burden on lending rates. And 6 thousand dollars to pay if the feeling is still more difficult, Volkswagen Finance Corporation 2.99% of the biennium, this three-year period of 4.99 percent is much lower than bank interest rates low interest rates, the monthly repayment will be less pressure, which China's hundreds of millions of middle class families, on the more easier. Easier, which permits the degree of heart can be greatly enhanced, which means potential customers will be greatly increased.

Secondly, in addition to the attraction of middle-class families, there is a demand for near-rigid groups. That is, people get married. Chinese people always attach importance to marriage is unusual, dowry, dowry is unavoidable, as the economic level, the average family car has become of great importance to whether or not a symbol of marriage. Which take into account the economic conditions of the car to provide natural family cars are mainly economic, Zhi jun Santana a higher cost advantages, at the same time, taking into account the public and the reputation of many years of accumulation of Santana, as well as interest rates this 0 "temptation", believe that there are many new families will "ask", "try" the.

Furthermore, along with the development of up to date humanity, if a vehicle has become a emblem of communal status. In the hearts of commonplace persons, a vehicle means a individual with better financial conditions. In the enterprise world, is expected to take into account the advantages conveyed about by financial situation of persons will be more anxiety in the community. Work, connection, enterprise, life, love and wedding ceremony will even have a subtle change for this purpose. Into the community will shortly be just the youth, because of earnings limits, inexpensive, live at less money choice will be more attractive. Because of this, the Shanghai Volkswagen junction public launch of the economic benefit of 0 interest rates have been demonstrated.

Therefore, it will likely contact the old brand of "star" points to write a tiny news, the river will ripple Chunshui, so that the social heart. And it is, it is just sitting there, and later all cardiac action.

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