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Is it reliable to pay off the car loan in advance after two years without interest for five years?

Now go to the 4S store to see the car, the sales are basically recommended that you do a five-year installment, two years of early settlement of the plan, and today netizens also asked this question, I borrowed 100,000 yuan, monthly repayment of 2083.68 yuan, loan for five years, two years of early repayment without liquidated damages, two years of early repayment of 10% liquidated damages.

Is it reliable to pay off the car loan in advance after two years without interest for five years?

When you buy a car, the price of the car is discounted by 10,000 yuan, which is equivalent to the interest of 10,000 yuan for repayment, and you have to pay it back normally, is this okay? First of all, the total interest for five years is more than 25,000 yuan, then minus the interest of 10,000 yuan returned, the actual total interest for five years is only more than 15,000 yuan, then there are only 3,000 yuan a year, and 100,000 yuan a month is 250 yuan of interest, which is not expensive, but it can actually be done.

Is it reliable to pay off the car loan in advance after two years without interest for five years?

But be sure to pay attention to these points, the first is that the price of the naked car is not really preferential compared to the full amount, there are many routines in this, don't use your money to set the money, the gains outweigh the losses, this is the main profit of the 4S store, and it is also its main routine. The second point is to confirm the repayment method, see carefully whether it is equal to the principal and interest, if it is equal principal and interest, it is equivalent to the first two years of your repayment of 80% of the interest, if two years later settled in advance, you will not be able to earn a little cheap!

Is it reliable to pay off the car loan in advance after two years without interest for five years?

The third point is that there are no fees and liquidated damages for repayment and early settlement, this sentence must be written in the loan contract, some people will say that there is no need to write it, and the bank will not allow it to be written, what should I do? So what do you say? I can only tell you that you can definitely write it, and if you write it, it is this set of financial plans, and the bank bets that you will not necessarily settle it after two years, because less than 30% of people can pay it off in advance after two years on the surface of big data, but if you don't write this, you will have a lot of unexpected trouble!