No need

It is indeed a common phenomenon to pay financial service fees when buying a car in a 4S store - some consumers are even worried about these fees. Instead, choose to buy a car in full. Mercedes-Benz 4S store staff: There are also financial service fees, because financial service fees include completing all business procedures. Financial loan application, follow-up review, including mortgage registration. Remember, these people need to serve you, so some fees will definitely be incurred.

Car loan application conditions:

(1) The buyer must be at least 18 years old and a Chinese citizen with full capacity for civil conduct.

(2) Car buyers must have a more stable job and relatively stable economic income or assets that are easily liquidated. Only in this way can the principal and interest of the loan be repaid on time. It's easy to understand. Assets generally refer to securities, gold and silver products, etc.

(3) During the loan application period, the car buyer makes a bank deposit. The account amount in the locker is less than the account period payment amount specified by the bank.

(4) Provide the bank with a guarantee recognized by the bank. If you buy a car with a non-local personal account, joint liability should also be provided. Guarantee that the Bank will not accept mortgage loans for goods purchased by the car buyer.

(5) Car buyers are willing to accept suggestions and other conditions deemed necessary by the bank.

Information provided: Valid identity documents of myself and my spouse when applying for a personal loan; Proof of occupation, position and income of myself and my spouse; Marriage certificate (certificate of unmarried status is required, but the legal age for marriage is not reached) and household registration; original ID card, household registration booklet or other valid residence documents and provide a copy; signing a car purchase agreement, contract or letter of intent to purchase a car with the dealer; deposit paid or proof of deposit paid; persons and certificates required for guarantee Documents or materials; other documents required by the cooperative institution.

Loans are a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. In a broad sense, loans refer to loans and discounts. The general term for lending funds such as overdrafts and overdrafts. Banks invest concentrated currency and monetary funds in the form of loans to meet the needs of supplementary funds for expanding reproduction and promote economic development. At the same time, banks can also obtain loans. Interest income increases the bank's own accumulation.