When buying a car by installment, the handling fee for each installment = the total installment amount and the installment handling fee rate. The fees charged by each bank are different, and the standard of "installment fee rate" is related to the model, the number of installments and the loan amount. If the general price is 654.38+10,000 yuan, the handling fee for a loan of about 60,000 yuan is about 3,000-5,000 yuan, and if the loan amount is 200,000-300,000 yuan, the handling fee is about 6,000-8,000 yuan. More details are as follows: 1. Automobile loan fee refers to the fixed amount of related expenses that borrowers need to pay when handling automobile loans, such as licensing fees and guarantee fees. The down payment and interest on the car loan are not included in the handling fee. 2. Comparatively speaking, the bank's direct car loan has the lowest procedure cost, and the credit card installment payment does not pay interest, but the procedure cost is more, the interest of car financing loan is high, and the procedure cost is average. Under normal circumstances, consumers are more likely to accept credit card installment payment or auto financing loans, with simple procedures and low threshold. 3. At present, in order to increase sales, many automobile manufacturers have put forward interest-free and formalities-free car loan schemes for specific models. Dealers will benefit consumers and help them realize their dream of buying a car faster. However, this kind of car loan activity has restrictions on models, and consumers can decide according to their own needs.
Second, how to calculate the car installment payment?
Spread out completely
According to your calculation, it is basically about 1000 per month.
3. How to calculate the handling fee for buying a car by installment?
Installment fee refers to the relevant fees that users need to pay to the bank during installment. Specifically, according to the charging standard, that is, installment rate, different lending institutions have different installment rates. Moreover, the forms of charges are also different, some are direct one-time charges, some are collected every period, and the handling fee averages to each installment cycle.
The calculation method of installment fee can be simply referred to as follows.
1, installment fee payable for each installment = installment fee rate of principal payable for each installment.
2. Installment fee = installment fee rate of principal to be repaid.
The details of car purchase expenses by installment generally include car payment, purchase tax, insurance (insurance is purchased several years after the loan), handling fee (charged by 4S shop), licensing and other expenses.
Schedule of installment car purchase expenses
The car price is 53,800 yuan down payment: 30% 1.68 million yuan loan: 70% 37,000 yuan.
The purchase tax is 4598 yuan, and the flow tax in 950 yuan is 360 yuan.
Commercial insurance 2878.84 yuan settled in 300 yuan PICC 333 yuan.
Mortgage registration fee 700 yuan guarantee fee 1 1 10 Yuan Monthly repayment amount: 37,000/36 =1028 Yuan.
Interest: 370,009% = 3,330 yuan (paid on the repayment date of the first month)
The above table is a breakdown of the expenses incurred in car purchase by stages, but the specific expenses and items should be determined according to the needs of users and the requirements of 4S stores.
The handling fee is very high. When paying the handling fee, the applicant had better see each sum clearly and understand the function of each item.
4.202 1 How much is the handling fee for buying a car?
If you buy a car by installment with a credit card, you can only pay the installment fee. The specific calculation formula is: installment fee = installment fee rate of car purchase amount.
For example, if you buy a car 1000000 for three years, the handling fee is 1 1.28%, and the handling fee =100001.28% =/kloc-.