The biggest loan cost for banks in automobile mortgage is loan interest. Different banks and loans with different maturities have different interest rates. The benchmark interest rate for three-year loans is 6. 15%, and the actual loan interest rate is usually higher than the benchmark interest rate, and the benchmark rises by 30% to 40%. Is there any other charge for mortgage loan besides loan interest? This also depends on the specific situation of the loan.
For example, some car loans need to be guaranteed. If it is guaranteed by a guarantee company, it is generally necessary to pay a certain deposit, which generally costs several thousand yuan. If the borrower repays the loan on time, the guarantee company can refund a certain amount of deposit as agreed. If you use real estate as a mortgage loan, there will be real estate assessment fees, mortgage registration fees and other fees.
Extended data:
General car loan expenses include insurance premium, notarization fee, performance guarantee fee and mortgage fee. The charge is about 3000 yuan, 800 yuan, 3% of the loan amount, 3% of the loan amount.
The interest of car loan = loan amount * loan interest rate * loan time, and the specific interest is calculated according to these three parameters.
No matter what kind of car loan you make, 4S stores will charge different amounts of mortgage fees (also called financial service fees). This fee has nothing to do with manufacturers and banks, and it is one of the important sources of profit for dealers. For example, the above 3S shop charges 3,000 yuan; The starting price of financial mortgage fee for Audi 4S shop is 3,000 yuan; BMW charges 3% of the loan amount.
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