It is normal to charge a handling fee of 3000 for buying a car by mortgage. Buy a car, 4S shop or update it. But the specific amount of this handling fee determines the amount of this handling fee. Belongs to the cost of a service, also known as financial service fee, loan service fee, etc.
The purpose of the 4s shop is to make a profit, and it will not introduce the loan settlement in vain, or it needs to charge some other fees if the financial service charges are unreasonable. Consumers can ask the industrial and commercial department or the Consumers Association.
Pay attention to buying a car by mortgage
1. When filling in the mortgage loan application form, be sure to fill it in completely, and check that the information filled in is correct before submitting it to the loan handling bank or auto financing company, so as not to affect the approval of the car loan.
2. Read the terms carefully when signing the contract, and be sure to find out the loan amount, term, interest, handling fee, deposit, etc. to avoid unnecessary later. For example, mortgage car loans can be purchased at the highest level. Is it only free of interest but not free of handling fees? Whether the loan repayment deposit is refunded; Whether to go to the designated insurance.
Second, I plan to borrow money to buy a car. How to calculate the purchase tax and insurance?
1. The car loan fee does not include purchase tax and insurance.
2. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at 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.
3. Basic knowledge of loan car purchase: 1) Total down payment = necessary commercial insurance for down payment. 2) purchase tax = purchase price /( 1 17%)× purchase tax rate (10%). 3) Licensing fee: Generally, the one-stop service fee provided by merchants is about 500 yuan, and the personal handling fee is about 373 yuan, including industrial and commercial verification 150 yuan, mobile license 30 yuan, environmental protection license 3 yuan, extension fee 40 yuan, driving license photo 20 yuan and pallet 130 yuan. 4) Vehicle and vessel use tax: unified in different provinces. Take Beijing as an example, there are 9 or less buses in 480 yuan and 9 or more buses in 540 yuan. 5) Compulsory traffic insurance: 6 or less families in 950 yuan, 6 or more families 1 100 Yuan. 6) Total term insurance: The average discount of insurance companies is 77%.
Third, how much does it cost to buy a car with a loan?
Spread out completely
How much does the car loan cost?
Cost 1: down payment = purchase price ×30%.
Expense 2: Auto insurance, including personal accident insurance (the first beneficiary is the bank), burglary insurance, spontaneous combustion insurance, third-party liability insurance and car damage insurance of the loan applicant, and the insurance premium is about 3,200 yuan.
Fee 3: notarization fee for loan contract 100 yuan (charged by notary office) and vehicle mortgage fee 300 yuan (charged by vehicle management department).
Expense 4: Other normal expenses, such as vehicle surcharge, are the same as non-loan car purchase.
Automobile loan processing flow:
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;
3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;
4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. loan settlement.
How much is the mortgage fee for buying a car?
The car loan fee is about 3%, which is about 5000 to 1 000 yuan. At present, there are three general loan processes: 1, and the car dealer pays by installment. Some brand car dealers will have their own financing companies to provide car loans to prospective car owners, such as Toyota Finance, which is generally not a banking business. Car dealers can pay in installments for about one year, which is interest-free, but they will charge a one-time handling fee, which is similar to one-year loan interest. If you need to repay in advance, this method is not cost-effective; 2. Credit card installment repayment: Some bank credit cards can be used to buy a car, and installment repayment can be set, but there are not many models that can be purchased, which are interest-free but also require a handling fee; 3. Bank loan: In this case, it depends on the loan method of each bank. A. The mortgage method is generally real estate mortgage, and the loan term is generally five years at the longest. The loan amount is generally 50-70% of the assessed value of the collateral and 70-80% of the value of the car. B. The guarantee method is generally guaranteed by the guarantee company (the guarantee company designated by the bank). In addition to the guarantee fee of the guarantee company, you have to pay the loan interest of the bank. The car you bought is mortgaged to the guarantee company, which charges a deposit of 3,000-5,000 yuan, and also requires your car to be equipped with GPS to track the whereabouts of the car at any time. The GPS fee is about 3,000 yuan, and you can only borrow for 3 years. C. Personal or legal person guarantee. At present, few banks accept this kind of guarantee. Ask the local bank specifically. Million car purchase subsidy