It is reported that at present, the handling fee of bank auto loans is 3%, while the handling fee standard of auto financing institutions and 4S shops with convenient approval is relatively high.
Generally speaking, the loan to buy a car requires vehicle mortgage, insurance and other procedures, so the handling fees included in the loan to buy a car are mainly compulsory insurance, vehicle and vessel use tax, commercial insurance, licensing fees and so on. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to buy them.
If you want to know how appropriate this handling fee is, you can inquire about some different brands of cars when you buy a car and see how their handling fees are charged, so that you can know the local market. According to experience, if a car model with a loan of 654.38+10,000 yuan is about 60,000 yuan, the handling fee will be about 300-5,000 yuan, and if a car model with a loan of 20.3 million yuan, the loan amount will be more than 1.5 million yuan, generally speaking, it will be about 6000-8,000 yuan (the above is the average level, depending on the actual situation of local car purchase);
For the question of cost, you must inquire in advance, not only to ask the staff of 4s shop, but also to know more about relatives and friends. Don't trust 4s stores too much. Some expenses are actually collected by themselves. Some 4s stores provide both interest and handling fees, some only provide interest without handling fees, and some only provide handling fees without interest. We must distinguish between them.
How much is the car loan service fee? Automobile loan service charge standard
Automobile loan service fee When handling loan business, the fee charged is called loan service fee. Generally, it is collected by the bank, and a third party helps to handle the loan business. Automobile loan service fee charging standard loan service fee, the charging standard depends on local conditions. You don't have to pay this fee to apply for a provident fund loan. Only the guarantee fee (loan amount 3‰, minimum 300), house appraisal fee (appraisal value 3‰, minimum 300, maximum 1500) and vehicle purchase tax need to be paid. The calculation formula is: tax payable = tax payable; Tax rate. If consumers buy domestic private cars, the taxable value is to pay all the price and other expenses to the dealers, excluding VAT (the tax rate is 17%). Since the value-added tax is included in the purchase price of the special invoice for motor vehicle sales, the value-added tax of 17% must be excluded when calculating the vehicle purchase tax, that is, the taxable amount of the vehicle purchase tax = the fare; 1. 17, and then collect the vehicle purchase tax at the rate of 10%.
How much is the car loan fee?
Car loan fees include: performance bond, notarized mortgage fee, credit investigation fee, installment fee, etc.
The specific calculation method is as follows:
1. Performance guarantee: 3% of the loan amount, 3,000 yuan less than 3,000 yuan, which can be refunded after the loan is paid off.
2. Notarized mortgage fee: 800 yuan.
3. Credit fee: 65438+ 0% of the loan amount.
4. Installment fee: the installment fee is required for buying a car with a credit card loan, and the total installment fee is above 12.
5. Mortgage fee: 3%.
Automobile loan process:
1, apply. After you are optimistic about the vehicle to be purchased, fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.
2. The bank conducts pre-loan investigation and approval. After accepting the loan application, the bank will investigate the credit status of the borrower and guarantor. If it meets the requirements, the bank will promptly notify and fill in various forms.
3. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
4. The bank issues loans (the bank transfers money directly to the car dealer's account).
5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.