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For many new car consumers, there are many terms and conditions are not clear when buying a car for the first time, and 4S stores also play such an important role as a shopping guide in addition to selling cars. Earlier, Mr. Liu from Shandong bought a Volkswagen Tuguan L in a local Volkswagen 4S store, and everything went smoothly. However, when I planned to buy a house this year, I found that I still had a car loan under my name that had not been fully repaid, so I could not continue to borrow money to buy a house. When I went to the 4S store, I learned that I bought the car on a loan and that it was a financial product.

According to Mr. Liu, he bought a new car at Zouping Jintong SAIC-Volkswagen 4S store in February last year, totaling 242000 yuan. The transfer record from Mr. Liu shows that it is indeed the full cost of one-time delivery, but the remittance is divided into two stages.

According to Mr. Liu's nephew, when they bought a car at that time, the 4S store asked them to transfer 138000 yuan to an account, then transferred 92000 yuan to another account, and finally had to pay 12000 in cash, because the store said it was a request from the company. I didn't understand, so I did. At the same time, Mr. Liu said that because he could not read, he signed the agreement at that time.

Due to the appearance of a car loan on the credit investigation, Mr. Liu and his family found the 4S store where he bought the car and learned that it was because when Mr. Liu bought the car, he signed an agreement that included both loans and financial products. That is, one of the funds was transferred to a wealth management company called "Rong Yibao", and then helped Mr. Liu to repay part of the amount every month, but in Mr. Liu's opinion, he had no idea.

In order to understand the situation, the reporter came to SAIC-Volkswagen 4S store. According to a staff member, at that time, Mr. Liu was informed of the situation of "Rong Yibao". The words "Rong Yibao" and "will affect large loans in the later stage" were written on the agreement, and the car owners signed and confirmed the agreement.

Subsequently, the staff also issued the relevant agreement signed by Mr. Liu, and the 4S store helped Mr. Liu handle the financial car purchase and financial management business of "Rong Yibao", so that Mr. Liu could enjoy an additional discount of 5000 yuan on the premise of full car purchase.

With regard to the business, one of the staff explained that for example, the customer bought a car for 100000 yuan, of which 50, 000 was handed over to the dealer, and the other 50, 000 was called "Rongyibao", which was a subsidiary of SAIC Finance Company and then transferred to the dealer by SAIC Finance. In fact, the dealer still received 100000 yuan, and the customer actually paid 100000 yuan. However, because it is a way of financial management, it belongs to the pledge car loan to "Rong Yibao", and then repay the loan to SAIC Finance every month.

Due to the differences between the two sides, the 4S store said that it would help Mr. Liu terminate the contract ahead of schedule, of which 890 yuan in liquidated damages would be paid by the 4S store. Mr. Liu also agreed with the decision, and the 4S store will help Mr. Liu deal with the matter as soon as possible. Reply is expected before January 9.

With regard to this matter, consumers should be reminded to be cautious about all kinds of contracts and terms when buying cars, and it is difficult to protect their rights once they are signed and confirmed. Nowadays, there are countless financial wealth management products bundled with cars in 4S stores, and consumers are easy to fall into the "trap" if they are not treated carefully, and they also hope that the relevant regulatory authorities can manage this kind of situation.

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