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二手车金融“水深”猫腻多

2017-09-15 07:31:41   中国经济网

爆发式增长的二手车市场被“拖后腿”

“金九银十”,汽车销售已进入传统旺季。与往年不同的是,今年全国二手车交易量呈现爆发式增长。随着二手车市场规模的快速扩大,二手车金融势必也将迎来大幅增长。然而,由于大量小额贷款公司长期盘踞这一市场,甚至还有一些不法商家也借机钻空子,导致目前整个二手车金融市场乱象不断。

消费者:买二手车比买新车还折腾

济南市民韩先生最近购买了一辆二手车,结果却让自己烦透了心。韩先生告诉记者,由于从事销售工作,买车是为跑业务时往返各地能方便些,而之所以买二手车,就是因为价格相对便宜,还不用像新车那样费心保养,开着比较省心。“可是我也没想到,买二手车竟然比买新车还折腾。”

韩先生说,自己买的这辆二手车价格是8万元。由于手头现金不多,他选择首付2万元,其余6万元贷款。在与销售人员谈好价格后,韩先生与销售商签订了合同并缴纳了1万元定金。然而在这之后,销售人员却又告知韩先生,除约定的贷款数额外,还需要缴纳一笔手续费,此外还要一次性购买未来三年的车辆保险,以及1000元的GPS使用费。

“销售最开始说只有利息,后来说要交一笔手续费,再后来,又多出了‘GPS使用费’‘评估费’‘保证金’‘金融服务费’等五六项费用。但这些费用在之前谈贷款合同时,销售人员从来没提到过。”韩先生说,虽然只贷款了6万元,但是杂七杂八的费用算下来,最后的花费差不多要到八九万元。

采访中,多位曾贷款购买二手车的消费者都反映了类似问题,不少二手车销售商“巧立名目”,在贷款合同中捆绑各类费用,而这些费用明细大多不会在协议中列出。二手车商通过这一先签合同后告知的方式,强制消费者就范。像韩先生这样最后要额外承担2万元左右费用的情况,折算到24期或36期贷款中,每月要比原来多还款数百元,对消费者而言,贷款数额本就不多,却增加了不小的还款压力。

济西二手车交易市场总经理潘虎告诉记者,二手车市场相比于新车交易市场,在行业规范上存在不小的差距。尤其是贷款方面,由于市场不大、金额较少,银行大多不直接参与,更多的是第三方小额贷款公司或担保公司提供贷款。仅在济西二手车市场内,就有近30家小额贷款公司,“我们市场曾进行过统一的规范,但都是治标不治本,这些公司都有贷款业务员在市场附近长期驻扎,仅靠市场自身的约束根本无法彻底禁止。”

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