If the consumer asks the bank to cancel the loan, if the loan behavior is true, the bank is not at fault, and the loan cancellation needs to pay liquidated damages. The liquidated damages will be borne by the wrong party. If there is evidence that the car dealership is at fault, it will bear it. Those that cannot be proved shall be borne by the consumers themselves.
Provisions on responsibility for repair, replacement and return of household automobile products:
Article 1 In order to protect the legitimate rights and interests of consumers of household automobile products and clarify the responsibilities of repairing, replacing and returning household automobile products (hereinafter referred to as three guarantees), these Provisions are formulated in accordance with relevant laws and regulations.
Article 2 These Provisions shall apply to the three guarantees of domestic automobile products produced and sold in People's Republic of China (PRC).
Calculation method of interest rate:
1, the benchmark interest rate of bank loans: 1 year 6.666%; 2 -3 years 6.71%;
2. Total down payment = down payment+necessary expenses+commercial insurance;
3. Purchase tax = purchase price /( 1+ 17%)× purchase tax rate (10%);
4. Licensing fee: Usually, the one-stop service fee provided by merchants is about 500 yuan, and the personal handling fee is about 373 yuan, including industrial and commercial verification 150 yuan, mobile license 30 yuan, environmental protection license 3 yuan, extension fee 40 yuan, driving license photo 20 yuan and pallet 130 yuan.
Refer to the above content: Baidu encyclopedia-loan car purchase