Can I apply for a car loan in a 4S shop? But there are some precautions. First, clarify the difficulty of the application. Since loans are needed, there must be financial institutions stationed in 4S stores to do this business. At present, there are generally three ways of cooperation in loan business: (1)4S shop-auto financing company; (2)4S shop-bank (credit card); (3)4S stores-private guarantee companies-banks. On the whole, the bank's car loan interest rate is the lowest, and the auto financing company is slightly higher. Judging from the difficulty of application, bank car loan is the most troublesome, auto financing company has the lowest threshold, and credit card installment is in between. Secondly, there are expenses other than loans. Take applying for a loan through a guarantee company as an example. The income of the bank is interest, and the financial service fee has become the profit source of the private guarantee company. The guarantee company signed a cooperation agreement with 4S stores to provide guarantee for customers' loans and went to the bank to complete a series of loan procedures. For example, a car with a price of 6.5438+10,000 yuan generally charges a financial service fee of about 3,000 yuan. If the loan is made, the down payment is 30,000 yuan, and the loan is 70,000 yuan, which will be paid off in three years. According to the bank's interest rate of 6.4%, the interest to be paid is 4480 yuan. Therefore, even if dealers need to bear the interest of more than 1000 yuan to promote sales, the existence of financial service fees can basically ensure that 4S stores will not lose money or even make profits. Finally, the "interest-free" of 4s stores does not mean "free". For example, bank credit card installment payment, although there is no interest on monthly payment, requires consumers to pay a handling fee when handling installment payment business. If consumers participate in the "interest-free" activities, most of the models they buy can only be paid according to the manufacturer's guidance price, and they can no longer enjoy the preferential price of new cars. Even the interest-free quota of some models may not be as good as the preferential price of cars.
If you buy a car in a 4S shop, you need to decorate the insurance in the in-store loan shop. How much do I need to add?
About 1000 to 1005.
If you make money in the store, it is usually about 3000-5000 loan fee or interest; Insurance mainly depends on what kind of insurance you have, which is generally the same as that of the third child: excluding the car damage of the three, plus the compulsory insurance, the first car insurance is 4500; Decoration is nothing more than steering wheel cover, seat cover, foot pad, fender, film and so on. Plus around 500 yuan. So all three expenses should be around1w. Suggestion: hand in some of it yourself, swipe some with a credit card, look at the benefits or benefits of insurance in the 4S shop, and then decide whether to buy insurance in the shop.
Extended data:
Car installment payment
Car installment is to divide users into several installments and pay in installments every month. Installment payment is a hot spot in the current automobile market. In the current market environment of car fans, installment payment is regarded by many businesses as an effective means to seize market share.
Long payment term, many choices
Some time ago, the staged car sales activities launched by merchants generally required to pay off the balance within two years. Some merchants extend the payment period to 40 months, and the monthly payment is greatly reduced. The monthly payment is only a few hundred yuan, which is more attractive to consumers. At the same time, the down payment has also been appropriately reduced. As long as the down payment of Changan car in Ordnance Auto Trade is 3000 yuan, a mid-range color TV can drive the car home. The enthusiasm of the merchants is very high. In the current market environment of car fans, installment payment is regarded by many businesses as an effective means to seize market share.
(Source: Baidu Encyclopedia: Car Staging)
4s in-store loan to buy a car process and matters needing attention
Only/kloc-citizens who are over 0/8 years old and have full capacity for civil conduct can apply for personal car loans with their legal identity cards. The loan processing flow is as follows: 1. The borrower submits the loan application materials to the bank, and the bank conducts a preliminary examination of the application materials submitted by the borrower; 2. Then conduct credit investigation and customer evaluation on the borrower, and the bank will approve the loan application that meets the loan conditions through preliminary examination and credit investigation; 3. Notify the borrower to go through relevant procedures such as signing contract, loan, mortgage and pledge. If it is not approved, it shall explain the borrower's situation; 4. After the loan contract comes into effect, the bank will issue the loan in a special way, that is, according to the loan contract, the handling bank will directly transfer the loan to the dealer account of the borrower's car purchase.
So much for the introduction of asking for in-store loans when buying a car.