There is a 4S shop in the store to buy a car, so it is illegal to charge a loan fee for 4S at present, and it is impossible to provide you with a formal consumption invoice, usually a receipt; In fact, 4S stores can't help you. If you go through the bank, you still need to run by yourself, prepare your own information to the bank for face-to-face signing, and finally lend money. If you go through the store, and financial companies and car dealers have interests, it can be said that the handling fee is free. There is no father, so this price can be discussed in many cases, just like sales. If you don't mind, don't mind; At present, the charge is generally between 1000 ~ 2000, if it is a high-end car;

I don't have a lot of loans, and the handling fee of 43,000 yuan is a bit high.

2. What is the loan process of Dongfeng Nissan Auto Finance Company?

1. Select the vehicle type and submit the application. The materials you need to submit mainly include:

1) Dongfeng Nissan Auto Finance Loan Application Form, which needs your personal signature; Copy of ID card (copy of valid passport provided by foreigners);

2) Motor vehicle driver's license; Income certificate (tax bill, bank card, income certificate issued by the company or payroll);

3) Copy of real estate license/copy of land use/proof of residence (local real estate license or house purchase contract, which can prove the water and electricity charges of residence, etc. ); The lease contract of the rented house can prove the residential water and electricity fee;

4) Long-term residence certificate without real estate or rental contract);

5) salary list;

6) Other relevant materials required by Dongfeng Nissan.

2. Review of application materials by Dongfeng Nissan Auto Finance Company: The loan review speed of Dongfeng Nissan Auto Finance Company mainly depends on the details of the loan materials provided by you and the timeliness of home visits, and most customers can approve them within one day after submitting the materials. However, except for some special circumstances, it is recommended that you submit your own information truthfully to speed up the loan.

3. Arrange home visits as needed: After submitting the application, Dongfeng Nissan Auto Finance will make a telephone call back to verify your basic information and provide a call back. The company will choose whether to arrange home visits according to your actual situation.

4. Approve the loan application: After approval, the franchise store will agree with you on the time for signing the contract and paying the down payment. Married people need both husband and wife to go to the store; If there is a guarantor, the guarantor also needs to go to the store to sign the contract. If the approval is rejected, the Finance Committee will explain the reasons to you and need your further cooperation (such as further supplementary materials).

5. Pay the down payment and sign a loan contract: sign a contract, including a loan contract, a mortgage contract, a guarantee contract, a letter of loan approval, a letter of assignment authorization and commitment, and a letter of authorization to terminate the assignment. Pay down payment, issue down payment receipt and car purchase invoice.

6. Insurance, vehicle and mortgage registration: insurance mainly includes vehicle loss insurance, vehicle theft insurance, third party liability insurance and deductible insurance. Within the validity period of the contract, the types of insurance shall not be interrupted or reduced.

After assisting you in vehicle registration, the dealer will provide you with consulting services on how to apply for vehicle mortgage registration, including required materials, office hours, address of vehicle management office, etc. Vehicle mortgage registration procedures are handled by Dongfeng Nissan Auto Finance in cooperation with you.

7. Drive the "loan" car home and repay it monthly. You need to open a payment account in ICBC, sign a Letter of Authorization and Commitment for Transfer, and deposit the amount listed in the repayment schedule into the account on the agreed repayment date every month. At that time, ICBC will automatically deduct money to complete the whole repayment operation. Except in special circumstances, the loan must be repaid within the specified time of each month.

I want to buy a car through Dongfeng Nissan financial loan. Who knows how to calculate the monthly payment?

The calculation formula is equal to: the total price of the car MINUS the down payment, and the remaining money divided by the number of installments you apply for plus the monthly interest multiplied by your loan amount equals the monthly payment.

For example, the total car price 10, the down payment is 330,000, and the monthly interest is 3%, which is equal to 70,000/36 =1944210, which is the monthly payment.

4. Dongfeng Nissan's financial car loan has passed and the car has been obtained. 4s needs an id card to handle it. ...

Task occupation pit