1, loan fee. The amount of loan fees is basically up to them. You can try to bargain with them, whether it is appropriate or not.
2. Prepaid interest. In fact, many manufacturers have provided us with zero-interest products, but when they arrive at the dealer, they may add some interest themselves, which will make you pay in advance.
3.GPS fee, in fact, through the loan to buy a car, the 4S shop has already got your car payment, and your car is also bundled with theft and rescue. People in 4S stores don't care if your car is lost. The important thing is that it is full of profits in this small locator.
4. Insurance rebate. For example, through renewal, lock in the high premium for the second year. What else is there? For example, license fee, inspection fee, mortgage registration fee, etc. In fact, naked cars don't make money. We all know that we just hope that the 4S shopping malls we are facing can be more sincere.
What is the cost of buying a car with a loan and a full car? Let's talk about buying a car in full. Let's start with a bare car price. After paying the money, the car is yours, plus insurance, purchase tax, travel tax and licensing fee, which is the landing price of your car. If I ask you for other expenses, it means that the sales have treated you like a sheep and are ready to attack you.
Finally, pay attention to this. The purchase tax is divided by the bare car price of the transaction by 1 1.3 instead of the manufacturer's guide price. Many unscrupulous sales here use information asymmetry to deceive you, so you must know clearly before buying a car. Let's talk about buying a car with a loan, and add two fees on the basis of buying a car in full: mortgage handling fee and loan interest.
How to calculate the loan interest? It is the total price of the loan to buy a car minus the full car price, that is, the extra money you spend on the loan to buy a car, and then divided by the number of months of the loan. Many sales won't tell you this figure directly, but just say that the interest will be shared equally every month, and you won't spend a few more money to confuse you, so be sure to know how much more it costs to buy a car with a loan than with the full amount.
In fact, many manufacturers now have interest-free loans. It is recommended to check before buying a car. If it is interest-free, the loan is only one mortgage fee more than the full amount. If you are asked to pay other fees, such as GPS installation fee, renewal deposit, comprehensive service fee, delivery fee, etc. Being cheated is a small IQ or being ravaged is a big IQ.