First, the loan to buy a car requires a handling fee.
Second, the car loan fee
1, the biggest loan cost in automobile mortgage is the loan interest. Different banks and loans with different maturities have different interest rates. The benchmark interest rate for three-year loans is 6. 15%, and the actual loan interest rate is usually higher than the benchmark interest rate, and the benchmark rises by 30% to 40%.
For example, some car loans need to be guaranteed. If it is guaranteed by a guarantee company, it is generally necessary to pay a certain deposit, which generally costs several thousand yuan. If the borrower repays the loan on time, the guarantee company can refund a certain amount of deposit as agreed. If you use real estate as a mortgage loan, there will be real estate assessment fees, mortgage registration fees and other fees.
Three, the necessary conditions for applying for personal car loans:
1. The borrower must have a stable professional income or assets that are easy to realize, enough to repay the loan principal and interest on schedule;
2. The lender's own funds are sufficient to pay the down payment for car purchase stipulated by CCB;
3. The lender must provide a guarantee recognized by the bank;
Third, car loans.
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.
Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.
Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.
Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.
Loan interest rate: uniformly stipulated by the People's Bank of China.
Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).
An auto financing or guarantee company, as a guarantor who repays the principal and interest of the loan and assumes joint liability, is a third party with sufficient compensation capacity.
Is there a handling fee for the loan to buy a car?
There is a handling fee. (Interest-free handling fee for car loans is inevitable)
Generally speaking, the lender is a valid personal identity document when handling the car loan process. Including resident identity cards, household registration books, etc. If the borrower is married, please provide proof of spouse identity (note: under the same conditions, married people are more likely to get loans than unmarried people). The auto loan provisions are as follows:
Application materials to be provided:
Personal valid identity document. Including resident identity cards, household registration books, etc. If the borrower is married, proof of spouse's identity shall be provided.
2. Certificate of intention to buy a car issued by the car dealer.
3. Household registration certificate or long-term residence certificate.
4. Personal income certificate, and provide family income or property certificate when necessary.
5. If the purchased vehicle is secured by other means than mortgage, relevant materials for the guarantee shall be provided.
6. Proof of down payment for car purchase.
7. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation.
Extended data
What is an interest-free loan:
1, definition
An interest-free loan is an interest-free loan. Interest-free 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, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
2, interest rate zero interest rate ",a loan contract reached between a bank and an individual or organization through mutual trust.
General international private commercial banks provide interest-free loans, including consumer bank loans for weddings, shopping or further studies. A handling fee of about 1% will be charged, which is the income of a bank.
At least offset the administrative expenses, and then the bank will cooperate with the request to add credit cards or wedding photography or various members or open trading accounts when the loan is interest-free. This is a wonderful way to expand customers. Some or many future trading opportunities, and even they may be rewarded for expanding their achievements in the competition.
3. The process of small secured loans has a clear division of labor among all departments. The application is accepted by the labor department, then the guarantee institution confirms the guarantee, and finally the bank applies for a loan. "If entrepreneurs want to apply, they can consult the local labor department. At present, individuals pay interest first, then financial subsidies, or financial interest subsidies in advance. The relevant plan has not yet been determined, but the financial interest subsidies are affirmative. "
Is there a handling fee for the loan to buy a car?
The loan to buy a car needs to be renewed: 1, and the performance guarantee: 3% of the loan amount, less than 3,000, which can be refunded after the loan is paid off; 2. Notarized mortgage fee: 800 yuan; 3. Credit fee: 65438+ 0% of the loan amount; 4. Installment fee: installment fee is required for buying a car with a credit card loan, and the total cost of 12 exceeds10%; Mortgage fee: 3%.
Is there a handling fee for the loan to buy a car?
It is reported that at present, the handling fee of bank auto loans is 3%, while the handling fee standard of auto financing institutions and 4S shops with convenient approval is relatively high.
Generally speaking, the loan to buy a car requires vehicle mortgage, insurance and other procedures, so the handling fees included in the loan to buy a car are mainly compulsory insurance, vehicle and vessel use tax, commercial insurance, licensing fees and so on. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to buy them.
If you want to know how appropriate this handling fee is, you can inquire about some different brands of cars when you buy a car and see how their handling fees are charged, so that you can know the local market. According to experience, if a car model with a loan of 654.38+10,000 yuan is about 60,000 yuan, the handling fee will be about 300-5,000 yuan, and if a car model with a loan of 20.3 million yuan, the loan amount will be more than 1.5 million yuan, generally speaking, it will be about 6000-8,000 yuan (the above is the average level, depending on the actual situation of local car purchase);
For the question of cost, you must inquire in advance, not only to ask the staff of 4s shop, but also to know more about relatives and friends. Don't trust 4s stores too much. Some expenses are actually collected by themselves. Some 4s stores provide both interest and handling fees, some only provide interest without handling fees, and some only provide handling fees without interest. We must distinguish between them.
Is there a handling fee for buying a car loan? Let's stop here.