It is understood that there are certain procedures for driving in 4S shops, mainly: 1. Loan handling fee (charged by 4S shop, ranging from 1000-3000 yuan). 2. After approval, the loan service fee (vehicle mortgage or mortgage cancellation fee). 4S store or loan provider charges 100-500). The specific processing flow of S shop loan to buy a car is as follows: 1. Choose a 4S shop for car consultation and application. 2. The automobile dealer shall conduct preliminary qualification examination and sign opinions on the applicant's loan to buy a car. 3. The automobile dealer examines the applicant's qualification, and the bank conducts preliminary examination. 4. After the approval, the dealer signs a car purchase contract with the applicant, notifies the customer to pay the down payment for the car purchase, handles the bank account and bank credit card for the customer, and the customer fills in the vehicle acceptance handover form. 5. Handle mortgage, notarization, insurance and other related procedures. 6. Bank loans.
What are the costs of buying a car with a 4s shop loan? Four kinds of conventional loans
; ? In addition to the normal expenses such as down payment, purchase tax, licensing fee and insurance premium, the biggest difference between a 4s shop loan to buy a car and a full car is the loan fee, which may be unclear to friends who are preparing to buy a car. Well, let's have a look. What are the costs of buying a car with a specific 4s shop loan?
First, the regular cost of buying a car with a loan from a 4s shop.
1, car down payment
Generally, a minimum of 20%, that is, 200,000 cars, can only be loaned with a minimum down payment of 40,000, and some 4s stores may also require a down payment of 30%.
2. Consumer goods
10% of the naked car price, that is, 200,000 naked cars, the purchase tax is 20,000, which is the tax that must be paid when buying a car.
3. Insurance premium
Compulsory insurance is compulsory, about 665 yuan, and the travel tax in 300 yuan is about 965 yuan. Plus commercial insurance, it's about 1000- 1400.
4. License fee
First, you need to buy a temporary license in a 4s shop, about 5 yuan/Zhang, and then go to the vehicle management office to get the license. The cost is about 100 yuan. If you call the 4s store directly to get the license plate, you will generally receive around 350 yuan.
Second, the loan fee for the 4s shop loan to buy a car
1, credit investigation fee
That is, to prove the qualification and credit of the lender, 1% of the loan amount is generally charged.
2. Performance bond
That is, the deposit for timely repayment is generally 3% of the loan amount, which can be refunded after the car loan is paid off.
3. Notarized mortgage fee
That is, the handling fee for notarization of car loan mortgage is generally charged to 800 yuan.
4. Mortgage costs
It may also be called mortgage service fee, which is an intermediate fee earned by 4s stores and generally charges 3% of the loan amount.
The above is about the cost of buying a car with a loan from a 4s shop. In addition to the regular fees, the loan fees charged by 4s stores are also different, subject to the actual situation.
Why should I charge a mortgage fee for buying a car with a loan?
It means that you have not borrowed from a formal lending institution.
For most users who borrow money to buy a car, the car loan itself does not require any mortgage fees. Generally, only lending institutions will charge the so-called mortgage fee, which is actually a disguised interest fee. Personally, I suggest you go to the bank to apply for a formal car loan, which will be much more formal.
First, lending institutions will have so-called loan mortgage fees.
To some extent, the loan mortgage fee is a disguised loan interest. In order to further increase profits, many lending institutions will charge a lot of interest in disguise, such as charging so-called mortgage fees and service fees, and some lending institutions will also charge operating fees and membership fees. These expenses are unreasonable. When we repay the loan, we also need to count these expenses into our comprehensive interest.
Second, mortgage fee is a kind of folk mortgage behavior.
Many lending institutions are informal and have no standardized audit process. Many people choose lending institutions to apply for car loans, mainly because the auditing threshold of lending institutions is relatively low, and bank loans require users to have corresponding credit ratings. It is precisely for this reason that the mortgage fees of lending institutions are just a kind of private mortgage behavior, and there will be various routines in these mortgage contracts. For most users, I don't recommend users to apply for private loans, nor do I recommend applying for loans from lending institutions.
I suggest you apply for a formal bank loan.
The threshold for bank loans will be relatively high, but the process is very formal and the interest expenses are reasonable. For most banks, the annual interest rate of car loans is between 5% and 10%. For lending institutions, the comprehensive interest on shopping carts of lending institutions will reach more than 15%, and some even exceed 20%. If necessary, I suggest you go to the bank to apply for a formal bank loan. If personal credit is not up to standard, you can choose to give priority to maintaining personal credit before considering buying a car.