1. loan fee (charged by 4S stores, ranging from1000-3,000 yuan).
2. After approval, the loan service fee (vehicle mortgage or mortgage cancellation fee. Charged by 4S stores or loan providers (100-500).
If you want a 4S store to help you with the formalities, it depends on the cooperation between 4S stores and financial institutions. Nowadays, selling cars must maximize profits, so finance companies are generally recommended, and the interest rate is too high. Therefore, the income of 4S stores is also very high. The only low interest rates are car loans from banks, such as loans from China Construction Bank, which cost 654.38 yuan+0.0000 yuan a year in 400 yuan. If you bring 654.38+0.00000 yuan for three years, you need to pay a service fee of 654.38+0.2 million yuan, which is more than 8% according to the interest rate. If you are a financial company, the general 4S stores now recommend you to do SAIC Finance and finance together, and the comprehensive interest rate reaches nearly 1.2 points. In addition, 4S stores will also charge 3,000 yuan for financial services and 3,000 yuan for renewal deposit. In fact, although the renewal deposit has been refunded, its function is to force you to buy insurance in 4S stores. Generally, there is no discount, and the money that comes out in more than three years is more than 3,000 yuan. If you buy a car with a loan, I suggest you handle it yourself. It's usually easier, not as mysterious as 4S stores say. CCB, ABC and ICBC all need some formalities.