First of all, I tell you responsibly that the 4S store will not cheat you, because they dare not cheat, because it is a big store after all. After lying to you, it will have a great impact and even bring down a store. This is a precedent. Then, I carefully read the loan project you mentioned, and the specific analysis is as follows.

The discount range is normal and too large. 36,000 is already very high. The interest rate of 12% is in the middle level. I don't know which bank you work in. Generally speaking, 4% a year is reasonable, and there are 5% or more. Insurance is normal, because mortgage loan requires 100% compensation for car theft, which means that theft is excluded, so insurance will be more than one thousand yuan higher than one-time payment. The advance management fee is a self-designed project, which is another way of saying the mortgage service fee. This 4S comprehensive store will charge, and you only need to pay 1.500 yuan. You are malicious. LaCrosse is really incompetent if it doesn't charge you 4000 yuan. It is estimated that their leaders will despise him. The guarantee fee is the deposit. When you pay off the loan in full, the bank will pay you back. Don't worry about this. It is normal. The estimated license fee is 300 yuan, including the license service fee of about 100 yuan.

To sum up, it is very reasonable. I wonder which store in Shaoxing. Tell me, I scolded their leader and dared to charge such a small service fee. They violated the rules of the game by doing so.

At present, CCB should cooperate with Buick. Generally, the annual loan fee of100000 yuan is free. So I recommend you to be a credit card installment of CCB, as long as you have a house in the local area, or your parents have a house, or you have paid a certain housing provident fund ... It's very simple, just meet one of them. Judging from your ability to buy LaCrosse, it is relatively simple to meet these requirements.

So ... you can save about 4,000 yuan in interest. If the deposit fee is gone, you will save 1500 yuan. If the guarantee fee is gone, you will have more than 6,000 yuan on hand. Is this not good? CCB mortgage also has a free car wash once a week, which saves you a lot of money, right? If CCB really can't do it, China Merchants Bank's credit card installment is also very cost-effective.

Don't say that insiders in the automobile industry told you, or they will be very depressed. Hey, how can I eat inside and choose outside?

Senior car consultant Lao Zhang brings you the answer, thank you!