First, the loan to buy a car requires a handling fee.
Second, the car loan fee
1, the biggest loan cost in automobile mortgage is the 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%.
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.
Three, the necessary conditions for applying for personal car loans:
1. The borrower must have a stable professional income or assets that are easy to realize, enough to repay the loan principal and interest on schedule;
2. The lender's own funds are sufficient to pay the down payment for car purchase stipulated by CCB;
3. The lender must provide a guarantee recognized by the bank;
Third, car loans.
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.
Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.
Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.
Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.
Loan interest rate: uniformly stipulated by the People's Bank of China.
Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).
An auto financing or guarantee company, as a guarantor who repays the principal and interest of the loan and assumes joint liability, is a third party with sufficient compensation capacity.
Bank charges for car loans
According to the different ways of car loan, there are roughly three kinds of handling fees, and whether it is car loan or credit card installment, if it is handled through a car dealer, it may be necessary to pay a certain handling fee to the dealer. 1, bank loan interest Bank car mortgage loan, different banks, different loan interest period is different. 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%. 2. Credit card fees If you use a credit card to buy a car by installment, there will be no loan interest, but there will be an installment fee (except for a few vehicles that are designated as fee-free). Different banks have different credit card installment fees, and there are two payment methods for credit card installment fees: one-time payment and installment payment. General 12 total cost is above 10%. 3. Other handling fees 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.
I'll teach you how to calculate the handling fee for buying a car with a loan from CCB.
We all know that it is more cost-effective to borrow money from banks to buy a car, especially for the four major banks. How much do you know about the handling fee of CCB loan to buy a car? Let's take a look together.
There is no interest in using CCB credit card to buy a car, but the bank will charge a certain fee or waive it according to the number of periods selected by the car buyer. The installment fee for car purchase is generally charged at one time, and the bill for the first month after swiping the card will be reflected. According to the different dealers or models selected by users, the handling fee rate will be different.
China Construction Bank provides 12 (one year), 18 (one and a half years), 24 (two years) and 36 (three years) car purchase installment services, and the cardholder fee = installment amount × cardholder fee rate.
How to calculate the handling fee for buying a car with CCB loan? If there is no interest, take a car with a total price of 1.5 million as an example, and the minimum down payment ratio is 30% of the car price, then the down payment of 30% means the maximum loan amount is 1.05 million yuan. Generally, according to the regulations of the bank, the down payment is 50,000 yuan, and the total installment amount is 654.38+ 10,000 yuan. Pay in installments according to 12, with monthly repayment of 10000/ 12 = 8333 yuan and handling fee of 100000 yuan. It can be seen that if the car loan is interest-free, the total cost of buying a car is 153500 yuan.
It should be noted that generally, only the installment payment with a long term can be exempted from the handling fee.