Unreasonable. You can get your own bank loan! This is an unacceptable disguised fare increase. I mean, we can only take 4s finance. Repayment is made in 36 installments every 10,000 yuan, and the bank is cheap 100 interest. The loan of 654.38+0.5 million yuan is more than 654.38+0.6 million yuan, but the procedure is simple. Anyway, the choice is yours!

Second, is the car loan fee legal?

According to the current policies of the International Development and Reform Commission and the China Banking Regulatory Commission, the banking sector should not charge extra fees unless it is an intermediary.

Third, is the car loan fee legal?

Legal analysis: whether the handling fee is legal generally depends on the charging standard. If the sum of fees and other expenses is converted into an annual interest rate of no more than 36%, this is a legal loan product. Among them, the borrower must repay the part with the annual interest rate below 24%, because this part of interest belongs to the scope of judicial protection stipulated by law. The annual interest rate between 24% and 36% can be negotiated. If the borrower has paid off this part of interest, he can't apply for a refund.

Individuals take the form of credit or guarantee. The guarantee method can be natural person guarantee, merchant joint guarantee or guarantee company guarantee. The loan period is generally less than 6 months, and the longest is no more than 1 year. The maximum loan amount for a single household is 500,000 yuan. Loan method: individuals issue loans by way of guarantee or credit. To apply for a credit loan, the borrower's credit rating must be above C. ..

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.

Article 26 If the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it.

Article 30 The lender and the borrower have agreed on overdue interest rate, liquidated damages or other expenses. The lender may choose to claim overdue interest, liquidated damages or other expenses, or both, but the people will not support the part that exceeds 24% of the annual interest rate.

4. Why should I pay the handling fee for buying a car loan? Will the loan be refunded after it is paid off?

The so-called handling fees are basically collected by 4S stores. Generally, banks only charge interest, and at most they charge a refundable deposit. Vehicle management office generally collects travel tax, and mortgage registration fee is not collected by vehicle management office. It's just that someone helped you get a license and mortgaged the service fee they charged. These so-called handling fees are basically without invoices, and at most they will give you an irregular invoice. Many expenses are hidden rules of the industry, and almost all of them will be charged when you get there, unless you have an acquaintance who knows the business.