1. In principle, there is no handling fee for Haima auto finance loans. But if the dealer engages in zero-interest activities or low-interest activities, the dealer will discount the interest. Therefore, from the perspective of never losing money, dealers will charge a certain fee to make up for the losses caused by discounts.

Furthermore, the dealer has paid a certain amount of labor while providing you with loans, and it is understandable to charge a certain handling fee. However, it needs to be clear that the financial service fee, or handling fee, is entirely the dealer's own behavior and has nothing to do with the loan bank or financial company (except some workshop-style loan companies).

3. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.