It's unreasonable, but there's nothing I can do. After all, it is a loan to buy a car, and the files are indeed kept by others.

Second, what should I do if I borrow money to buy a car and pay file management fees?

Go to the vehicle management office to handle all kinds of taxes payable.

Third, is it legal to collect file management fees for car loans?

1. Is the file management fee for car loan legal? 1. The car loan file management fee is legal. The loan amount of the lender to the dealer for purchasing vehicles and spare parts shall be based on the average inventory of the dealer for a period of time, and the specific period shall depend on the inventory turnover of the dealer. The lender shall regularly check the dealer's credit by regularly counting the inventory of vehicles and spare parts purchased by the dealer and analyzing the dealer's financial statements, and adjust the dealer's credit rating and the frequency of inventory inspection according to the review results. 2. Legal basis: Article 11 of the Measures for the Administration of Automobile Loans, the lender shall establish the borrower's credit file. The borrower's credit file shall contain the following contents: (1) the borrower's name, address, valid identity certificate and valid contact information; (2) Proof of the borrower's income level and credit status; (three) the purchase agreement, car model, engine number, frame number, price and purpose of the purchased car; (4) The loan amount, term, interest rate, repayment method and guarantee; (5) loan collection records; (six) other information needed to prevent loan risks. 2. Does the car loan guarantor need to sign? Of course, the loan guarantor needs to sign, and only by signing can he agree to bear the corresponding responsibilities. If you don't sign it, you can't conclude a guarantee contract relationship with the lender, and you can't prove the facts of the guarantor. If you don't recognize it in law, the guarantor will have no guarantee responsibility. Also, if the guarantor is a company, it needs the signature of the legal representative or the official seal of the company.

4. Is the auto loan file management fee legal?

First, is it legal to collect file management fees for car loans?

1. The car loan collection file management fee is legal. Lenders should be based on the average inventory of vehicles purchased by dealers and parts dealers over a period of time. In a specific period, the financial statements of the vehicles purchased by dealers should be checked regularly, and the credit rating and inventory frequency of dealers should be adjusted regularly according to the weekly inventory situation of dealers.

2. Legal basis: Article 11 of the Measures for the Administration of Automobile Loans

The lender shall establish the borrower's credit file. The borrower's credit file shall include the following contents

(1) The name, address, valid identification and effective contact information of the borrower.

(2) The income of the borrower

(three) the purchase agreement, car model, engine number, frame number, price and purpose of the purchased car;

(4) The loan amount, term, interest rate, repayment method and guarantee;

(5) loan collection records;

(six) other information needed to prevent loan risks.

2. Does the car loan guarantor need to sign?

Of course, the loan guarantor needs to sign, and only by signing can he agree to bear the corresponding responsibilities. If you don't sign it, you can't conclude a guarantee contract relationship with the lender, and you can't prove the facts of the guarantor. If you don't recognize it in law, the guarantor will have no guarantee responsibility. Also, if the guarantor belongs to a certain unit or has the official seal of the unit.