1. There is no service charge for car loans. Because the loan to buy a car is only an additional service provided by the seller to facilitate the transaction, the loan itself will generate certain interest, so there is no need to pay additional service fees for the loan to buy a car. Generally speaking, car shops can directly act as guarantors and provide loan guarantees to banks for buyers without charging any service fees. But some private car shops are not qualified for guarantee. These car shops must find a third party as a guarantor, which will generate service fees.

2. Pay attention to buying a car with a loan.

(1) price

There must be interest on the loan to buy a car, but if the interest allows you to pay 200 yuan more every month, you will have to pay 7,200 yuan more after three years. Generally speaking, the annualized interest rates sold to us are about 12% and 15%. But if we use the correct formula, the difference will be very obvious.

(2) Service fee

The service fee may include license fee, loan fee, GPS, delivery fee, etc. But this fee is actually calculated in combination with your car price discount. Of course, in order to make money, car dealers will definitely not get rid of this part of the cost by recycling various miscellaneous fees. But if you look at other stores again, or wait for a while, there is still room for discussion.

(3) Insurance premium

Insurance costs actually change every day. At the same time, the seller's general insured price is full insured price, including many unnecessary items. Some insurance may not be necessary. Be sure to check the latest prices and pay attention to buying these insurances. What kind of insurance? Look here: compulsory insurance, travel insurance, car damage insurance, third party insurance and seat insurance. Some places can buy medical insurance and medical insurance, or consider it. At the same time, it must be required to add terms to the contract. The insurance premium must be paid according to the actual invoice. Retreat more and make up less.

(4) purchase tax

The payment of purchase tax is generally calculated according to the bare car price of x0.0855 after car discount. Try not to give it to the seller completely. Do what you can. Try not to write invoices, although it can save you some money. But it is more economical for sellers. When you are in danger, paying according to the invoice price may bring you intangible economic losses.