You don't have to pay taxes to buy an interest-free car. But there is a handling fee. No matter whether it is interest-free for two years or interest-free for three years, your handling fee will be charged, because 4s stores make money by handling fees, but the loan handling fee can be negotiated. If you think the ratio of handling fee to interest is cost-effective, you can.
Moreover, the financial service fee (loan/financial service fee) has become an important part of the profit point of automobile dealers and a "hidden rule" in the automobile sales industry. The stronger the brand, the higher the proportion of Volkswagen cars, which can reach 5%. Some 4S stores will make it clear to customers, while others are vague. Now many 4S stores are struggling with bad business, and this fee is regarded as an important source of profit.
Security risks:
A form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate, which is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
Interest rate is zero ",a loan contract reached between a bank and an individual or organization through mutual trust. Generally, international private commercial banks give interest-free loans, including consumer bank loans for weddings, shopping or further studies. A handling fee of about 1% will be charged, which is a bank income.
Loan to buy a car, saying that it will be interest-free for two years, is there a handling fee?
Yes, no matter which car you buy is interest-free for two or three years, you will be charged a handling fee, because 4s shops make money by handling fees, but the loan handling fee can be negotiated. If you think the ratio of handling fee to interest is cost-effective, you can.
Financial service fee, in short, refers to all kinds of expenses incurred by the financial company of automobile manufacturer to entrust the sales company to sell automobile financial loans to customers.
These costs include: the cost of handling loans by finance companies, the profits distributed to sales companies, and so on.
There are two other possibilities. The low-interest or interest-free loan claimed by the seller is actually a sales gimmick. Part of this service charge is loan interest. Or the fee charged by the car 4S shop for your loan is the profit earned by the 4S shop. However, many 4S stores also call this kind of fee: loan/financial handling fee, and its charging ratio is usually divided into fixed amount and non-fixed amount, mainly depending on the brand and model of the cars sold in each 4S store.
Financial service fee (loan/financial service fee) has become an important part of the profit point of automobile dealers and a "hidden rule" in the automobile sales industry. The stronger the brand, the higher the proportion of Volkswagen cars, which can reach 5%. Some 4S stores will make it clear to customers, while others are vague. Now many 4S stores are struggling with bad business, and this fee is regarded as an important source of profit.
On April 5, 20 19, 19, the female car owner mentioned in the exposed conversation recording that she could have bought it in full, but she was forced to pay the financial service fee of 1.5 million after the 4S shop induced her to use Mercedes-Benz Finance.
On April 2019 16, the High-tech Branch of Xi Municipal Market Supervision Bureau set up a task force headed by the deputy director to deal with the rights protection of the owners of Xi 'an Benz. Regarding the owner's report that Xi Anlixing 4S Store charged 12575 yuan "financial service fee" through personal account, Liu Ling said that it was illegal to charge financial service fee. The tax authorities have entered the site to verify all the receipts.
When buying a car in a 4S store, it is indeed a common phenomenon to pay financial service fees. Some consumers even choose to buy a car in full because they are worried about these costs.
Staff of Mercedes-Benz 4S store: There is a financial service fee, because the financial service fee, such as completing all business procedures, applying for financial loans, and subsequent audits, including mortgage registration, requires personnel to serve you, so this part of the fee will definitely be available.
The car loan launched by the car 4S shop is interest-free for two years. Is it really interest-free
Thank you for your invitation. I am Chehai V Infinite. I communicate, share and learn about cars with you every day.
Is a two-year interest-free car loan really interest-free? First of all, whether it is a car loan or other types of loans, as long as it is a loan, banks or financial companies will definitely charge interest, and no one will do business without money. It can only be said that the interest on the car loan is paid for you by the car manufacturer or the 4S shop. To put it bluntly, it is also a promotion activity of the car factory, which means interest-free for consumers.
What is certain is that the two-year interest-free car loan policy of many car 4S shops is true. Generally speaking, these interest-free policies or preferential policies of 4S stores are activities directly undertaken by manufacturers, that is to say, the interest on car loans for two years is borne by the car factory, and 4S stores are responsible for publicity and promotion. For 4S stores, it is of course very happy to promote, and there are many extra profits in it. Let's calculate the next account.
We take a vehicle of 654.38+10,000 yuan as the calculation. 30% down payment and 70% loan, that is, 70,000 yuan loan for two years. According to the current bank car loan interest rate of 3.75%, the total interest for two years is 3.75 * 2 * 70,000 = 5,250 yuan. This interest is paid by the car manufacturer, but the 4S shop basically does not have to bear or bear part of it. For consumers, it feels like a real discount, but friends who have bought car loans know that the extra cost of the whole car loan process is higher than this interest. In fact, it is not dominant. What are the extra charges? Let's see.
First of all, when you apply for a car loan, the 4S store will charge you a loan fee, also called a financial service fee, which is generally more than 3,000 ~ 4,000 yuan. This fee is completely charged by 4S stores, with a profit of 65,438+000%. The cost of GPS locator is about 2000 yuan. When you apply for a car loan, you will be asked to install this GPS locator to prevent you from finding your car location in time when you can't afford to pay the car loan. In fact, the cost of this GPS is only a few hundred yuan.
Insurance rebate commission, you borrow it for two years, and you must buy auto insurance in 4S shop as soon as possible in those two years. According to the insurance cost of your car loan, it will cost about 4,000 yuan, which is 8,000 yuan in two years. That 4S shop can get at least 2000 yuan insurance commission rebate in the past two years. The vehicle mortgage fee is generally calculated according to the loan amount 1%+ 100 yuan, with a loan of 70,000 yuan and a mortgage fee of 800 yuan. In fact, it is understood that the charge is made in the vehicle management office, and the real charge is 70 yuan, which means that more than 700 pieces were taken away by the 4S shop.
It is a matter of conscience that 4S stores charge at least 500 yuan's authorization fee. Some 4S stores, especially those with luxury brands, can receive more than 2,000 yuan. In fact, the registration fee charged by the DMV is 130 yuan.
The above car loan requires additional fees. The total cost of going to the same level is 3000+2000+8000+500 =14300 yuan, which is the extra cost that consumers need to pay to the 4S shop, and the 4S shop earns at least 7000 yuan from it. It can be seen that the loan is 70,000 yuan, and the loan is for two years. Although you got the interest subsidy of 5,250 yuan for the car loan, you paid 65,438 yuan+0,000 yuan for it, which did not benefit you. The real benefit is the 4S shop, with a profit of at least 7,000 yuan, and the interest on this car loan does not need to be paid by the 4S shop, or a small part. It can be said that the 4S shop is lying down to make money. This is why many 4S stores only sell cars to customers who apply for loans. If you don't apply for a car loan, they won't sell it to you.
To sum up, the two-year interest-free car loan is indeed interest-free, that is, there is no need to bear interest expenses, but there are still many routines and hidden extra expenses, so we must be cautious, measure the gains and losses according to our actual situation, and make a correct consumption pattern.
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