Yes, generally, the handling fee of four S stores is relatively high, more than 3,000! ! !

2. What is the prepayment fee for Dongfeng Nissan Financial Loan?

1. Calculation method of prepayment fee for Dongfeng Nissan financial loan: 1. For example, if the repayment is made in the way of average capital, the interest will gradually decrease as the repayment amount decreases. 2. In another case, if the national policy changes, such as interest increase, then the repayment date, such as May 1 day, happens to be the policy of June, so your interest will change with the policy change of the following year 1 month 1 day. 2. Prepayment process: 1) Processing process 1. Repayment in full in advance: the loan bank shall go through the formalities of prepayment after verifying the relevant materials. 2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in relevant agreements. If the original loan guarantee method is mortgage insurance and mortgage registration has not been completed, you need to go to the insurance company designated by the city center to go through the formalities of reducing the insurance coverage with the original policy, your ID card and relevant agreements, and the final agreement should be sent to the corresponding sub-center by the loan bank in time. 3. If the original loan guarantee method is mortgage insurance and mortgage registration has been completed, the borrower who chooses non-mortgage insurance applies for partial repayment in advance and shortens the loan term: the loan bank instructs the borrower to fill in the relevant agreement, and the signed agreement is sent to the corresponding sub-center in time by the loan bank. 4. The mortgage insurance selected as the original loan guarantee method is still within the insurance period, and the mortgage registration has not been completed: the borrower can apply for partial repayment in advance and shorten the loan period, which can be handled directly at the guarantee center. 2) Repayment procedure 1. According to the bank's regulations, customers who repay in advance need to submit a written application one week to one month in advance and agree on the repayment date. Then, according to the agreed date, bring your ID card and the loan contract signed with the bank to the bank to fill in the loan repayment application form and prepayment agreement, and deposit the money to be repaid into your account for withholding the loan principal and interest according to the requirements of the bank, which will be automatically deducted. 2. There is no limit to the number of times each bank repays the loan in advance. It can pay off all or part of the loan. It's just that the starting amount of each loan repayment of each bank is different. Some regulations are 65,438+0,000 yuan or multiples of 65,438+0,000 yuan, while some banks stipulate that if it exceeds 1000 yuan, you can repay the loan in advance. 3. Some borrowers who repay the loan in advance can choose two ways: one is to reduce the monthly repayment amount and keep the repayment period unchanged; The other is to shorten the repayment period and keep the monthly repayment amount unchanged. If the income of the lender keeps increasing, you can choose the repayment method of shortening the loan term and realize the debt-free desire as soon as possible. If the income does not increase too much, you can reduce the repayment amount and keep the repayment period unchanged, which will reduce the repayment pressure. 4. It is worth mentioning that the Application Form for Early Repayment is irrevocable once confirmed by the borrower's bank. As a supplementary clause of the loan contract, it has the same legal effect as the loan contract. If the loan purchaser fails to repay the loan in advance according to the date and amount specified in the application for prepayment sent to the borrower's bank for whatever reason, it will be regarded as overdue repayment, and the loan purchaser will bear corresponding liabilities for breach of contract according to the loan contract. 3. What is the handling fee of Dongfeng Finance?

Finance and lending have to bear some extra costs, which is the handling fee. Dongfeng Finance is the first enterprise group finance company in China, and it is the exclusive auto finance platform built by Dongfeng Group. Provide financial services to customers who purchase Dongfeng Shen Feng, Dongfeng Honda, Dongfeng Da Yue Kia, Dongfeng Yulong, Dongfeng Fengxing and Dongfeng Xiaokang Automobile. Handling fee: expenses incurred in the course of handling affairs. The word "formalities" is interpreted as "procedures for doing things". For example, handle "loan procedures", "transfer procedures" and "securities trading procedures" and so on. Therefore, "handling fee" can be interpreted as: a kind of labor remuneration charged for handling related matters on behalf of others; Or for the client, it belongs to the corresponding remuneration paid by others for handling related matters.

4. Does Dongfeng have its own auto finance?

Some of Dongfeng Nissan Finance are still carefully selected, and the handling fee is relatively high. Repayment can only be made by him. You must make sure that there is enough money in the card, unlike other loans, which have a grace period. Now many bank cards are bound with Alipay, many of which are paid automatically, and your borrowing flowers are also automatically transferred. Therefore, it is possible that after the money in your bank card is automatically repaid, Nissan Finance will not get the money. Generally speaking, banks have a three-day grace period. Nissan Finance can't provide the repayment money today, and it will go to the credit investigation tomorrow. Just a few days ago, I pulled up my personal credit report and found that there was an overdue payment. I don't even know the key. I always thought my credit was good.