1. How do you charge the loan fee for the 4S shop?
different banks charge different fees, at least thousands.
How much is the loan fee for the second and fourth S stores? It may add up to tens of thousands of dollars
Many people don't want to choose a 4s shop to buy a car loan, because there are too many fees in the middle, and they don't know much about it, so they would rather go to the bank for a loan themselves, even if it is troublesome and needs to make more trips. Then, what is the general handling fee for 4s shop loans? Let's take a look at it together and make it clear.
1. What is the loan fee for 4s stores? It refers to the service fee charged by the 4s shop when the customer applies for a car loan through the 4s shop, that is, the value of the service of helping the car loan is concrete. The customer can refuse and find a bank to handle the car loan himself, so there is no such handling fee. 2. What fees does the 4s shop loan fee include? There is no uniform standard for this, and different places may have different fees, which generally include credit investigation fees, performance bonds, notarized mortgage fees, mortgage fees, etc. Of course, there are also some licensing fees, purchase taxes, insurance fees, etc. These are not loan fees, but normal car purchase fees. 3. How much is the loan fee for 4s shops? 1. Credit investigation fee: 1% of the loan amount is charged, which proves the qualification and credit of the lender; 2. Performance bond: 3% of the loan amount is charged, that is, if the lender is afraid of not repaying the loan on time, the car loan can be refunded after it is paid off; 3. Notarization mortgage fee: 8 yuan, that is, the handling fee for mortgage notarization of car loans; 4. Mortgage fee: 3% of the loan amount is charged, which is the intermediate fee earned by 4s stores, and different 4s stores charge different fees. The above is about the general amount of 4s shop loan fees, which may add up to tens of thousands of dollars. I hope it can help you.
third, is there a handling fee for the loan to buy a car, auto trade and the bank? If so, how much is the handling fee? Car owners pay or auto trade pay?
yes ~ depending on how many years you have borrowed, there are 1~3 years of loan life, and each financial company is different. About% of the handling fee is calculated according to the loan amount, which is the down payment of the car price. Generally, the down payment is at least 3%
Fourth, why should the 4S shop charge 25 for the car loan?
the bank only charges interest for car installment, and there is no handling fee. The handling fee is for the salespeople to take for themselves or the 4S shop and the salespeople to share. They won't write any receipts or invoices. The only excuse is the company's regulations, which is very unreasonable. If you force it, I suggest you use your mobile phone to record your complaint. They can't get it from insiders. Their behavior is very hateful. I hope everyone will join us. In addition, if you want to consult the bank directly by stages, you don't have to go through the 4S shop. If the person in charge of the audit of the bank also says that there is a handling fee, remember his bank number to complain about him.