The overall handling fee for buying a car with a general loan is about 654.38 million yuan. In addition to the above expenses, it also includes: license fee, insurance premium, travel expenses, etc. What's the difference between car loan interest rate and interest rate? 1. The concept is different. Interest rate refers to the proportion of payment, and interest rate refers to the ratio of interest amount to loan amount within the loan period determined when buying a car. 2. Different charging methods. If the fee is calculated according to the rate, it needs to be paid in one lump sum; If the interest is calculated according to the interest rate, most of them are repaid by installments. 3. The settlement method of advance payment is different. The fee calculated according to the rate is the handling fee, and it must be settled even if it needs to be repaid in advance. Interest calculated at interest rate. If you want to repay in advance, the interest will be calculated until the day when you pay off the principal and interest of the bank. Finally, I remind you that as long as it is called interest rate, interest is calculated according to the principal interest rate. The loan contract says interest rate. As long as you call the rate and handling fee, it is a word game, which confuses you. Besides the interest, you have to charge extra. I hope you can take it seriously.

2. Is the handling fee for car loan included in the car payment?

The accounting entries are as follows: debit: fixed assets loan: short-term bank deposit loan. When buying a car, interest should be included in financial expenses, including enterprises (minus interest income), exchange gains and losses (some enterprises such as commodity circulation enterprises are in financial expenses), financial discounts or cash discounts received.

3. How much is it to buy a car by installment?

Generally speaking, the cost of buying a car by stages is as follows:

1, down payment, 30%-50%. Check with the bank where you borrowed money. If you have a credit card, check directly with the credit card center. )

2, all risks, compulsory insurance 950 commercial insurance. According to the purchase amount of 6,543,800 yuan, taking Pacific Insurance as an example, it is generally around 4,650 yuan. Key words: auto insurance quotation, vehicle violation inquiry, auto insurance (including vehicle loss insurance 1.680 yuan, vehicle liability insurance (driver 36 yuan, passenger 93 yuan), vehicle theft rescue 603 yuan, glass breakage insurance 1.77 yuan (domestic), excluding special clauses and additional risks 70 yuan, and three liability insurances excluding deductible clauses 1.46 yuan. The car paint will damage 360 yuan separately, and the loss will be deemed as 1 12 yuan. The car damage insurance will be excluded from the deductible clause of 252 yuan, and the car liability will be excluded from the deductible clause of 19 yuan. The decimal part of the above expenses is ignored) 3. Purchase tax, 65438+ 00% of the car price. 4. Licensing, 150 yuan will do it himself, and 4s will represent 500 yuan. 5. Except the above fees, all other fees are arbitrary charges.

Four, car loan fees

Bank car loans only have interest without handling fees, and only 4s shops or financial car loan companies have handling fees or service fees.

Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car. In fact, it is to borrow money from financial institutions to buy a car. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit record and must meet the requirements of financial institutions before they can apply for a loan to buy a car.