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It was a happy thing to buy the first car at the age of 52, but I didn't expect to receive a letter from a lawyer half a year later. Why? Let's hear what the owner has to say.

According to the 1818 Golden Eye report, Master Wang, 52, bought a Nissan Qijun at the Binan franchise store in the south of Dongfeng, Hangzhou, in May this year. The price of the car was more than 180000. Master Wang said it was the first car he bought in his life. I bought it because my parents were older and bought it for the elderly and children. Originally, I bought the car for the sake of aspect. As a result, I received a letter from a lawyer because of the "mortgage-free" on the sales list.

Master Wang pointed out that he learned about it on the Internet before buying a car and found that some car dealers could apply for mortgage-free loans, so he specifically asked about the sales of this 4S store. On May 23, Master Wang reached a sale agreement and signed a sales order with both sides of the 4S store, with a handwritten note of "two-year zero interest loan of 80,000 yuan, credit loan, mortgage-free". However, when the license plate was made four months later, the salesman called Master Wang and told him to bring his car ID card to the 4S store as a mortgage, but Master Wang did not agree to the salesperson's mortgage request at that time.

Master Wang said that the car loan has been repaid on time every month. However, due to the failure to cooperate with the mortgage procedures, a letter from a lawyer was received in mid-November, claiming to be entrusted by Dongfeng Nissan Auto Finance Co., Ltd., urging Master Wang to go through the formalities in accordance with the contract. This made Master Wang very unhappy, and Master Wang thought this statement was threatening.

With regard to the words "mortgage contract" on the contract name mentioned in the lawyer's letter, Master Wang said that his memory was blurred, and if the loan had been signed, he did not question the "mortgage" on the contract because he believed in the sales here at that time.

In this regard, Hangzhou Dongfeng South Binan franchise store Xiao Jiang said: "some can be mortgage-free, mainly depends on each customer's qualification, qualification review is given by the bank's risk control system assessment, the assessment will give the conclusion of mortgage or mortgage-free.

Xiao Jiang of the 4S store also said: when booking a car, we will first understand the general situation of the customer, and according to the general situation of the customer, we will decide whether or not to waive the mortgage, but before we pick up the car, that is, before we pay for the car, we will make it 100% clear to the customer. This is mortgage-free. Master Wang did not agree with this view, because the 4S store did not tell him this explanation in his memory.

After that, Xiao Jiang in the 4S store took out Master Wang's mortgage contract, and the contract information showed that the loan was 80,000 yuan, interest-free, with Master Wang's signature on May 30, and there were many terms and conditions on the back of the contract. The font is very small, one of which says: to apply for mortgage registration within 30 days after the loan is issued.

But Xiao Jiang of the 4S store explained: mortgage-free customers also sign this kind of contract, but it will be marked "mortgage-free". Master Wang did not see these words in this contract. Xiao Chiang continued to explain: "Mortgage-free is within the term of the mortgage, the car can be traded freely, but not without the mortgage. It can only be traded freely after the mortgage is repaid, or it can be transferred to someone else. Apart from that, there is no difference between the two. The latter does not have any other influence. Cars, including ownership, driving license, invoice, registration certificate, are all in the name of Master Wang."

Although this has no effect on Master Wang, Master Wang thinks that at the beginning, he clearly agreed that it would not be mortgaged, and now he wants to use the car's ID card as a mortgage in the 4S store, which is different in nature, so he firmly disagrees.

For Master Wang, there will be no mortgage until he is at a dead end, so when booking a car, he repeatedly asks for a "mortgage-free" in the sales order. If he had known to mortgage, he would not have bought the car. As for whether the loan can be repaid in advance? Master Wang said: I mentioned this to the sales manager of the 4S store before, but the other side did not reply, so now I am not willing to repay the loan in advance.

The current sales manager of the 4S store read the message sent by Master Wang that when Master Wang sent the message, the previous sales manager had already left.

At present, the two sides have failed to reach an agreement, and Master Wang intends to consult a lawyer before deciding what to do next.

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