The loan fee is charged by the 4S shop, not by the bank. 4S helps you with your services (such as making phone calls, handing in materials, etc.) ). It won't be that some high-end cars will receive a certain proportion of the loan amount, about 3%. In fact, banks also pay 4s service fees, and it is two-way.
Second, how much is the management fee of the auto loan bank?
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How much is the file management fee of 3.4S shop?
Under normal circumstances, when consumers buy cars and apply for car loans in 4S stores, they are often told by 4S stores that they need to pay "agency fees", which are collected in various names, mainly including helping consumers guarantee, handling loan procedures, and paying for car purchases on their behalf. Some consumers want to buy popular models, knowing that there is a problem with the agency fee, but also have to swallow it. Different 4S stores have different names for agency fees, such as financial investigation fees, credit card fees and mortgage agency fees. Generally speaking, the cost of each car ranges from 65,438+0, 500 yuan to 4,000 yuan, which eventually falls into the hands of 4S stores and relevant marketers.
Since charging has become the norm, what is the basis for 4S shopping malls to charge management fees to consumers? Professionals from the industrial and commercial bureau said that 4S stores charge consumers similar fees, such as financial investigation fees, which is suspected of violating the rules. In fact, there are no financial investigation fees, management fees and other fees at all, and 4S stores or lending institutions pass this cost on to consumers. 20 12 "notice of China banking regulatory commission on rectifying the irregular operation of banking financial institutions" clearly requires that banking financial institutions should bear the relevant expenses such as due diligence and collateral evaluation in loan business and other services according to law, and must not pass on the operating costs to customers in the form of expenses, and must not ask customers to accept unreasonable intermediary business or other financial services by issuing loans or providing financing in other ways.
If 4S stores charge consumers car loan management fees, financial investigation fees and other fees, consumers can refuse to pay, and the industrial and commercial authorities can investigate and deal with them according to the Consumer Protection Law and other relevant laws and regulations.
4. What is the handling fee for car loan?
Car loans are divided into bank car loans and auto financing loans, in which bank car loans are purchased by credit cards in installments, and the installment rate of credit cards is the handling fee of car loans. Taking the construction behavior as an example, users can freely choose 12. 18, 24.36.48 and 60 phases. If the cooperative automobile manufacturers discount interest, users can enjoy the discount of zero rate. : 1. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). Two, the automobile consumption loan period is generally 0-3 years, the longest is not more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year. The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct. Three, personal loan car business is divided into direct customers, indirect customers, credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. 4. In addition to the above fees, the car loan of an individual auto financing company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. Another car loan is a credit card. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records. Whether buying a car is a loan depends on the economic situation of the owner. When asked about the advantages and disadvantages of car loans, most car dealers are somewhat evasive. They believe that buying a car with a loan can not only enable citizens with insufficient funds to buy their favorite cars in advance, but also allow some citizens with sufficient funds but other uses to free up some funds that would have been used for car prices for development. However, the resulting interest and extra costs have been ignored. Sixth, the most important thing about car loans is to shop around. Consumers should choose a regular car loan service company with certain qualifications and strength, which will not only standardize services and charges, but also leave you with hidden dangers.