1. Is there a handling fee to buy a car with a loan?

The handling fee must be paid.

Depending on how you buy a car loan, there are roughly three types of handling fees:

1. Bank loan interest

Bank car mortgage loans vary from bank to bank. And the interest rates for loans with different terms are different. The three-year loan benchmark interest rate is 6.15, and the actual loan interest rate is usually higher than the benchmark interest rate, with the benchmark interest rate usually rising by 30 to 40%.

2. Credit card handling fee

If you use a credit card to pay for a car in installments, there is no loan interest, but there will be an installment handling fee (except for a few designated car models that are free of handling fees). Different banks have different credit card installment fees. There are two ways to pay credit card installment fees: one-time payment and installment payment. Usually the total cost of 12 periods is more than 10.

3. Other handling fees

Some car loans require a guarantee. If it is guaranteed by a guarantee company, you usually need to pay a certain deposit, usually several thousand yuan. If the borrower repays the loan on time, the guarantee company can return a certain deposit as agreed. If the loan is mortgaged with real estate, there will be fees such as property appraisal fees and mortgage registration fees.

In addition, whether it is a car loan or a credit card installment, if it is handled through a car dealer, you may need to pay a certain handling fee from the dealer.

2. After paying off the car mortgage loan, do you still need to pay the handling fee?

1. Are there any handling fees for car loan decompression?

According to regulations, there is no handling fee for vehicle decompression, if relevant evidence is retained during the process.

2. How to apply?

1. Document preparation: After paying off the mortgage, find out the contract you signed before. Make an appointment with bank customer service or car loan company staff first, and find a time to go through the settlement procedures.

2. Receive the certificate: Generally speaking, after the loan is paid off and the settlement certificate is obtained, the institution will issue the "Motor Vehicle Registration Needs Attention" in about 10 days. If you have applied for a previous vehicle, you still need to The guarantee company issues a certificate.

3. Handle the cancellation: Bring the relevant information, go to the vehicle management office and queue up to go through the procedures for canceling the mortgage and registering the owner of the motor vehicle.

4. Others: all documents, bank or guarantee public vehicle registration certificate.

The above is the answer about "car loan application, I hope it can be helpful to everyone. In general, the decompression procedure can be handled directly at the vehicle management office, and there is no fee. If there is When charging, you need to prepare relevant information, including "the loan institution applies to get it back"

3. Does the bank charge a handling fee for car loan?

Generally, there is a handling fee. , the price ranges from 1,200 to 3,000 yuan, of course, it cannot be ruled out that there are higher prices, because this is also related to the vehicle price. Now many 4S stores have their own financial institutions, many of which are private financial institutions. The specific car purchase loan fees, including interest charges, may be different from what you consulted at the bank: Car consumer loans are a new type of RMB guaranteed loan issued by banks to car buyers who purchase cars at their authorized dealers. A loan method. A car loan refers to a loan issued by a lender to a borrower who applies to purchase a car. In fact, it is borrowing money from a financial institution to buy a car, but the financial institution requires the car buyer to pay a certain percentage of down payment and provide repayment. Proof of repayment ability, no bad credit record, and meeting the requirements of financial institutions for applying for a loan to buy a car. Generally speaking, whether you need to charge a handling fee for a loan to buy a car depends on the bank's product policy. There are strict regulations on the handling fees of formal loan channels. It will not cause too much pressure. The loan car purchase process: 1. The customer selects a car at the bank's authorized dealer and signs a car purchase agreement or contract; 2. The borrower applies for a personal car mortgage loan from the lending bank; 3. Signs after investigation and approval. Contract; 4. Carry out car notarization, mortgage and other procedures; 5. The lender (bank) handles the loan; 6. After the loan is repaid, the lender (bank) cancels the pledge certificate and returns it to the customer.

Under normal circumstances, you need to pay a handling fee to buy a car with a loan, which is mainly divided into performance guarantees. It is usually determined based on the loan amount. The loan amount 3 will be charged, but it will be refunded after the loan is settled normally. There is also a notarized mortgage fee of 800 yuan and a credit investigation fee for the loan amount of 1. If you are applying for an installment credit card to purchase a car, you will also need to pay different proportions of handling fees according to the bank's requirements for this type of loan. In addition, there are mortgage processing fees for loan amount 3, which are generally clearly stipulated in the loan contract. It should be noted that if you choose an interest-free loan or a zero-down payment loan to buy a car, you must carefully check the relevant handling fee provisions in the contract. Some 4S stores will charge special handling fees for this special loan car purchase method. High, and the interest rate is similar to that of a normal loan.

4. How much is the car payment handling fee?

The car loan handling fee is generally around 10,000 yuan:

1. Although there is no clear provision that handling fees are required for car loans, there are handling fees for car loans. The current handling fee for car loans is 3, which is roughly around 10,000 yuan;

2. Many applicants have complained that high handling fees have been levied. It is reported that the handling fees for car loans include compulsory traffic insurance, vehicle and vessel use tax, commercial insurance premiums and registration fees. The current handling fee for buying a car with a loan is 3, which is roughly around 10,000 yuan;

3. However, there is no unified standard for handling fees, and each company has different regulations on handling fees. For example, many financial companies have launched interest-free car loans. Although they are interest-free, they still charge handling fees. There are also some financial companies that do not charge handling fees. Relatively speaking, the bank's handling fees are lower than those of auto finance companies and 4S stores;

4. Buying a car with a loan generally requires a handling fee at a 4S store. Vehicle mortgage and insurance procedures, so the handling fees included in a loan to buy a car are mainly compulsory traffic insurance, vehicle and vessel use tax, commercial insurance premiums, and licensing fees. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to purchase it.