The handling fee is 65438+ 0% to 3% of the loan amount. Excluding interest, 4S stores will probably charge 1% to 3% of the loan amount. If you receive 10%, it is usury.
If it is a zero-interest loan, the handling fee may be more. You and that interest share it with each other. This is basically why 4S stores charge fees for zero-interest activities. 4S stores often use handling fees to offset the interest posted by manufacturers, and 4S stores also post some interest. However, the 4S shop was unwilling to post this interest and had no money to earn, so it changed to a method called handling fee and collected it again. There are all kinds of family buckets, and the GPS you want to buy will give you a loan only after you buy a film. This is also the case. This kind of consumption may sound more troublesome than ultra-low-cost loan interest. It's tied together. Some places will charge a guarantee fee of about 4,200 yuan, and some places and regions will charge an extra sum of money called 4,200 yuan. For example, our credit is not very good, how many times we have been blacklisted or overdue before.
There are three ways to buy a car by loan: bank, auto financing company and guarantee company. In fact, banks only charge interest, so there is no handling fee. The so-called "4s shop handling fee" refers to a kind of fee derived by the owner through the loan, that is, all the expenses required for the 4S shop to go to the bank for the buyer to go through the loan-related approval procedures, as well as the expenses required for the dealer to provide services. Handling fee is usually an aspect of the profit of 4S stores, which is equal to the extra income for 4S stores or salesmen and loan officers.
The calculation method of car loan fee is as follows: the performance bond is charged at 3% of the loan amount, and if it is less than 3,000 yuan, it will be charged at 3,000 yuan. After the loan is paid off, the deposit shall be refunded in full; Notarized mortgage fee, notarized vehicle mortgage also needs to pay notarized mortgage fee of around 800 yuan, and the fee has a receipt. Please note that this part of the fee is paid when paying the installment loan; As for the credit fee, banks will consult and investigate before lending, so they will generally charge 1 of the loan amount, and the fees charged by each bank should be different.