有购车者接到通知“11点后优惠失效”！“高息高返”将退场

Core Viewpoint - The article discusses the urgent termination of the "high interest, high rebate" automotive finance policy, which has led to a significant impact on car sales and financing options for consumers in various regions of China [1][2][3]. Group 1: Policy Changes - The "high interest, high rebate" policy allowed banks to return part of the loan profits to car dealers, who then offered rebates to consumers, effectively lowering the total purchase price [1]. - As of June 23, multiple 4S dealerships have begun to cancel their car loan discount policies due to regulatory actions, indicating a near-complete withdrawal of this financing option across various regions [2]. - The abrupt notification to consumers about the policy's termination has caused confusion and urgency, with some consumers rushing to finalize their purchases before the deadline [2]. Group 2: Financial Implications - A specific example highlighted is that for a Mercedes vehicle priced at over 500,000 yuan, a loan of 380,000 yuan at an annual interest rate of approximately 5% could save consumers around 7,000 yuan compared to the manufacturer's financing options [1]. - The cancellation of the "high interest, high rebate" policy is expected to lead to an increase in terminal car prices, as many consumers have opted for early loan repayments, resulting in banks facing losses due to the inability to cover upfront subsidy costs [2][3]. - Regulatory bodies have intensified control over related financial activities to mitigate financial risks, which has been a significant factor in the policy's termination [3].