What do I have to pay for the loan to buy a car?
1 car down payment
Of course, many manufacturers now claim zero down payment, but actually they have to pay some other fees, which are basically the same. Half of the down payment is calculated according to the car price, which is usually between 10%-30%.
2 purchase tax
You must pay taxes according to the regulations when buying a car. According to the People's Republic of China (PRC) Vehicle Purchase Tax Law passed on February 29th, 20 18, the vehicle purchase tax rate is 10%. If the vehicle price is 100000, the purchase tax is about100000 yuan.
3 car insurance
These mainly include compulsory insurance and commercial insurance. Compulsory insurance is compulsory by the state, and commercial insurance can be purchased according to the actual situation. If you borrow money to buy a car, 4S stores generally require insurance in our store, and it is all-insurance.
4 notary fee
Notarization fee is a contract notarization fee generated by installment payment of automobile mortgage, which is generally paid to the notary office and collected by dealers or banks.
5 mortgage fee
Vehicle mortgage fee is one of the common expenses for handling automobile mortgage, which is charged by the vehicle management department.
6 listing fees of households
This part is the necessary cost of buying a new car for listing, which will be collected by the relevant vehicle management office.
The loan to buy a car must pay the above fees. In addition, a service charge may be required. This part is the service fee provided by dealers, and it is also one of their profit points. The service fees of different regions, brands and distributors vary greatly.