The down payment is 40%, about 20W, and the vehicle and vessel use tax is calculated according to your displacement, 1 more than 1,000. Let's talk about the handling fee in detail.

Handling fee Some banks charge a certain handling fee, but it is very little. Specifically, the charging guarantee company, the GPS positioning of auto trade (this can be omitted, don't be fooled by 4S stores. Some of their requirements must be installed. Everyone in the industry knows that they are trying to make money) and some quality deposits. It also adds up to a lot of money. Of course, I don't know your model, and I don't know the specific document process of your automobile trade. I'm just talking about most automobile trade processes. I haven't heard of paying an extra month's mortgage, so don't worry. The deposit is determined according to the amount of your loan, that is, the deposit will be returned to you when you pay back the money. Auto trade needs to apply for a loan from the bank, and he is also earning your handling fee. It's no use running by yourself. They have business with banks, so it should be difficult for you to do it. I'm not familiar with banks. I only know that BOC is very interested. It is not necessarily a bad thing that CCB is not interested. I just don't know whether I'm not interested or just not for a year.

I think what you said is a bit worthless, and the handling fee is too much ~ My answer is a bit vague, because I don't know the specific documents, I hope I can help you ~