Specific circumstances;

(1), the actual loan is this process:

Loan: you-"4s-"; Guarantee Company-Bank

Appropriation:

Down payment: Bank-Guarantee Company -》4S

Balance: You deposit money into your credit card regularly.

(2) The handling fee is 3,000 yuan more (there was a loan handling fee of 3,000 yuan before), which is different from the previous handling fee. What is the name of this fee? I asked what this meant.

Now they are exposed: the car is sealed with them and the ownership does not belong to you. After the loan is paid off, it will be transferred to you, and you will be given a registration card when you pick up the car!

There is also a hidden money in it. If you want thousands of dollars, do you think you can not pay? Can you come back without registering?

The fair fee of the official seal is the upfront fee for the guarantee company to handle some mortgages, guarantees, fairness, copying documents, etc.

(3) In 2000, the insurance mortgage was not explained by 4S, but was only renewed! But this 2000 must be fully insured on 4S in the second year! Moreover, it is not discounted, and it is calculated according to the highest premium, which means that even if there is no accident in the first year, the insurance premium of six or seven thousand will be paid in the second year!

4. I am devastated at this point. I estimate that everyone will collapse: that is, the ownership and registration of the vehicle belong to the guarantee company, and the insurance applicant signed is the guarantee company, but we pay the fee! The insured is not ourselves, so I understand why it has a deposit of 2000 yuan, and why it should be fully insured in the second year, because it is not our life insurance! In other words, the insurance beneficiary is also a guarantee company! If something goes wrong, the car belongs to someone else and the beneficiary belongs to someone else!

The loan must be clearly stated, as well as the ownership of the vehicle, whether there are other fees, where to register, how to guarantee insurance, etc. It should be written in black and white and signed! Then decide whether to lend or not!

Don't be cheated by 4S, in order to save thousands of interest, spend tens of thousands of fees and insurance premiums, and drive a car that is not your own for several years! ! Damn it!

What's more: go to the bank and don't talk to 4 S. After deducting your certificate, the guarantee company can take it to the bank for mortgage loan and then lend it to usury. You must pay here. This trick has been played like this before. If a100000 car doesn't suck 40000 from you, it's not them! Basically, it is no different from the previous high-interest loans!

You can't get the deposit back, but the deposit is ok. In fact, they are illegal. Fraud. this is ...