Even if the bank advertises, such as 12, ssss stores will let you charge 1 the so-called financial service fee, and some will.
Second, is there a handling fee for using a loan to buy a car in a 4s shop?
Is it reasonable for 4s shops to charge mortgage fees for auto loans? Recently, Mr. Wang went to the 4s shop to see the car. He originally intended to borrow money to buy a car, but the staff in the store said that he would charge a mortgage fee. He is very confused. He didn't pay this fee for the loan to buy a house. So I consulted Bian Xiao: Is it reasonable for 4s shops to collect mortgage fees?
There are three ways to buy a car by loan, namely banks, auto financing companies and guarantee companies. Although the process of different car loan methods is different, it is more reasonable to charge interest, notarized mortgage fee and performance bond among all the expenses related to car loan. The mortgage fee is unreasonable and belongs to the overlord clause.
Interest is calculated according to the standard loan interest rate of the central bank. The notarization mortgage fee is generated because the vehicle ownership belongs to the bank before the loan is paid off, and the motor vehicle registration certificate needs to be mortgaged in the bank. The performance bond for this fee is charged according to a certain proportion of the loan amount, and there is a receipt. After the loan is paid off, the deposit will be refunded in full.
The mortgage fee is charged unilaterally by the 4s shop and has no legal basis. Basically, every 4s shop accepts it. If the car buyer questions, the general 4s shop will tell him that no matter where the car loan is made, this fee will be charged, and most ordinary consumers will not delve into its legitimacy and rationality; In case of serious consumers, 4s stores will take a step back and charge less or no fees. To put it bluntly, this is the overlord clause. Similarly, if you buy a car by mortgage, you should also apply for auto insurance in the store. Neither national laws nor automobile industry associations have such regulations, but 4s stores have been doing so.
Finally, is it reasonable for Bian Xiao ... auto loan 4s shop to charge mortgage fees? Recently, Mr. Wang went to the 4s shop to see the car. He originally intended to borrow money to buy a car, but the staff in the store said that he would charge a mortgage fee. He is very confused. He didn't pay this fee for the loan to buy a house. So I consulted Bian Xiao: Is it reasonable for 4s shops to collect mortgage fees?
There are three ways to buy a car by loan, namely banks, auto financing companies and guarantee companies. Although the process of different car loan methods is different, it is more reasonable to charge interest, notarized mortgage fee and performance bond among all the expenses related to car loan. The mortgage fee is unreasonable and belongs to the overlord clause.
Interest is calculated according to the standard loan interest rate of the central bank. The notarization mortgage fee is generated because the vehicle ownership belongs to the bank before the loan is paid off, and the motor vehicle registration certificate needs to be mortgaged in the bank. The performance bond for this fee is charged according to a certain proportion of the loan amount, and there is a receipt. After the loan is paid off, the deposit will be refunded in full.
The mortgage fee is charged unilaterally by the 4s shop and has no legal basis. Basically, every 4s shop accepts it. If the car buyer questions, the general 4s shop will tell him that no matter where the car loan is made, this fee will be charged, and most ordinary consumers will not delve into its legitimacy and rationality; In case of serious consumers, 4s stores will take a step back and charge less or no fees. To put it bluntly, this is the overlord clause. Similarly, if you buy a car by mortgage, you should also apply for auto insurance in the store. Neither national laws nor automobile industry associations have such regulations, but 4s stores have been doing so.
Finally, Bian Xiao reminded everyone that in the face of other projects listed in the 4s store, car buyers must ask about the cost details before choosing the loan scheme.
Third, is there a handling fee for the car loan 4s shop?
The car loan fee is charged by the 4s shop, which is generally 3,000 yuan. Car loan procedures are as follows: 1, down payment, 30%-50%. (Confirm with the lending bank that if there is a credit card, directly check with the credit card center); 2. All risks, compulsory insurance 950 plus commercial insurance, calculated according to the purchase amount of 6,543,800 yuan, taking Pacific Insurance as an example, generally around 4,650 yuan; 3. Auto insurance quotation, vehicle violation inquiry, auto insurance (including car damage insurance 1.680 yuan, auto liability insurance (driver 36 yuan, passenger 93 yuan), auto insurance of 603 yuan, glass breakage insurance 1.77 yuan (domestic), excluding the special clause of exemption from compensation, additional risk 70 yuan, and excluding the third liability insurance of exemption clause 1.46 yuan. The third-party commercial liability insurance is 978 yuan, and the damage to the body paint is in 360 yuan alone, and the loss insurance is at your own risk 1 12 yuan. The car damage insurance does not include the deductible clause of 252 yuan, and the car damage insurance does not include the deductible clause 19 yuan. The decimal part of the above expenses is ignored); 4. The purchase tax is 65,438+00% of the car price. If you apply for a permit, if you do it yourself, it will probably be 150 yuan. However, if you are a 4s agent, you need 500 yuan. In addition to the above fees, other fees are arbitrary charges. Million car purchase subsidy
4.4s shop car purchase fee?
4S shop loan and car purchase fee refers to the preferential activities that banks or auto financing companies will provide loan interest rates when users apply for automobile mortgage, so that the car loan interest rate is relatively low or even non-existent.
The total price of a car bought by a user's loan is lower than the full amount, and 4S stores can only make a profit by charging a handling fee. At present, the handling fee of 4S stores is fixed, and the charging standards of 4S stores are different.