On April 3, the People's Bank of China and the State Financial Supervision and Administration jointly issued a notice that self-use new energy vehicles can apply for loans of up to 100%, and if they are traded-in, they can reduce liquidated damages.
In 2017, the People's Bank of China and the former China Banking Regulatory Commission jointly issued a regulation clarifying the proportion of loans issued for self-use traditional energy vehicles and self-use new energy vehicles.
Among them, the maximum loan issuance ratio for self-use traditional energy vehicles is 80%, and the maximum loan issuance ratio for self-use new energy vehicles has reached 85%. However, the recently issued Circular has amended this provision to give financial institutions the power to decide on the maximum loan disbursement ratio, and the ratio can reach 100%, i.e. the full amount of the loan will be disbursed according to the actual price of the car.
If you have recently planned to change your car, and you happen to have a new energy vehicle for your own use, then you can participate in this new "trade-in" welfare activity, and you can borrow up to 100%, which is equivalent to "zero down payment" to buy a new car.
2024 is destined to be an extraordinary year for the new energy vehicle industry, starting from BYD's opening of the year, there has been a wave of price reductions within the new energy car companies, and each has taken out its own sincerity to benefit consumers, and at this time, the car market has been stimulated by relevant policies, so it can be said that now is the best time to buy a car.
Although the current consumers are very rational, the "economic winter", layoffs and salary cuts have made many people live to understand, the house has a place to live, and the car can be driven as much as possible, but now the introduction of the "zero down payment" car purchase policy to stimulate the car market, for the majority of consumers who have the need to buy or replace the car is really a golden opportunity, the current car market is a new car as soon as the price is reduced, the price of the second-hand car market has dropped again and again, Xiaobian feels that everyone is still responding to the policy for new energy vehicles is the most appropriate.