Look at the 4s shop. Everyone can bargain.

Second, how to calculate the loan car purchase fee?

How much does the car loan cost?

Cost 1: down payment = purchase price ×30%.

Expense 2: Auto insurance, including personal accident insurance (the first beneficiary is the bank), burglary insurance, spontaneous combustion insurance, third-party liability insurance and car damage insurance of the loan applicant, and the insurance premium is about 3,200 yuan.

Fee 3: notarization fee for loan contract 100 yuan (charged by notary office) and vehicle mortgage fee 300 yuan (charged by vehicle management department).

Expense 4: Other normal expenses, such as vehicle surcharge, are the same as non-loan car purchase.

Automobile loan processing flow:

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;

4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

5. loan settlement.

Third, how much is the loan fee for buying a car?

There is a handling fee for car loan, which is generally three points. As far as loans are concerned, it is unreasonable for car dealers to charge loan fees, whether it is self-help loans by consumers or loans recommended by banks and auto financing companies: 1, because according to Article 3 of the Notice on Regulating the Irregular Business Practices of Banking Financial Institutions, "financial institutions shall not ask customers to accept unreasonable intermediary business and other financial services by issuing loans or providing financing in other ways to collect fees. From the legal point of view, if the car sales company induces consumers to choose loans to buy cars and collect their "financial service fees", it has constituted an illegal act of attaching unreasonable conditions; 2. Bank loan is different from other agency matters such as insurance or listing, and it still needs the bank to conduct credit review on the lender himself, which is an irreplaceable job for the agent himself. Therefore, the so-called aid agency loan can not constitute a strict entrustment relationship in essence. For this phenomenon, experts said that the practice of charging loan fees to car buyers is widespread in the automobile sales industry, which seems to have become the "hidden rule" of the industry. Faced with the "hidden rules" of the industry, most consumers choose silence and peace of mind in order to buy a car, thus conniving and encouraging businesses to collect fees indiscriminately; 3. If the consumer is defrauded, he can ask for 3 times compensation. " Article 55 of the Law on the Protection of Consumers' Rights and Interests: "If an operator commits fraud in providing goods or services, it shall increase the compensation for the losses it has suffered according to the requirements of consumers, and the amount of compensation shall be three times the price of the goods purchased by consumers or the cost of receiving services; If the amount of additional compensation is less than that of 500 yuan, it shall be 500 yuan. Where there are other provisions in the law, those provisions shall prevail. "Million car subsidies

4. What is the cost of buying a car with a loan? How much is the handling fee? How to calculate the insurance premium? What are renewal deposit and vps? Should there be a charge?

If it is an interest-free loan, take two years interest-free as an example. The down payment mainly needs about 50% of the car purchase tax, insurance licensing fees (some acquaintances can license themselves) and management fees (fees collected by banks, generally about 800 cars with a price of 654.38+ 10,000 yuan, and about 2500 for 4S stores).

Some 4S stores will charge a part of the handling fee, which is to help you handle various businesses, including handling permits, insurance, loans and so on. The calculation of insurance premium includes compulsory insurance and commercial insurance. General commercial insurance mainly includes car damage insurance, three risks, burglary insurance, car seat insurance and so on. These are necessary, others are not deductible. If you are a new car, you still need it, and the old one doesn't matter. There is absolutely no need to specify special insurance, broken glass and scratches unless your car is imported model 50. The renewal deposit refers to the deposit that you need to keep in the 4S shop before the loan expires. If you insure outdoors during this period, the deposit will not be refunded. If you have been insured in the 4S shop, this deposit will be refunded to you in the last year of the loan, which is charged. I have never been exposed to VPS. If you mean the system to help you brush your car or check the exhaust of your car in a 4S shop, you shouldn't charge.