The seller of the loan purchase can charge the loan fee.

For the seller, the loan and the full amount are paid in full, and there is a loan fee, so the loan to buy a car is a new loan method compared with the RMB-guaranteed loan issued to the car buyer who buys a car at his special dealer.

Second, why is car loan cheap?

Hello, buying a car by loan is more favorable than buying a car in full. This is because the loan car will charge loan interest and financial service fee, so it will attract users to buy a car by reducing the total price of the car. As for buying a car in full, because users will not pay interest and financial service fees, there is no preferential price for buying a car. Users who don't know the actual situation will think that it is cheaper to buy a car with a loan than to buy a car with the full amount. In addition to loan interest and financial service fees, 4S stores will also charge authorization fees, and the general brands are around 800 yuan. We only need one or two hundred pounds to license the car ourselves, which is a quarter of that of 4S stores. In addition, when the car leaves the warehouse, the 4S store will ask us to pay the outbound fee of 1000 yuan, and then the 4S store will force us to buy insurance for the first year in the store. Buying insurance in a 4S shop is about 30% more expensive than buying insurance outside. Therefore, buying a car with a loan is actually more expensive than buying a car in full, because users need to pay a series of fees. In a word, buying a car with a loan is cheaper than buying a car with the full amount. If the funds are sufficient, it is recommended to buy a car in full.

Third, sincerely ask for advice: Why is it cheap to buy a car with a loan?

Loans to buy a car generally have a handling fee, which is earned by 4S shops. It is a cooperative relationship with the bank, and the bank pays some money.