2. There are several main reasons for charging the car loan service fee: 4S shops buy cars, and 4S shops are responsible for recommending banks or financial companies to give you loans; The services provided by 4S stores are not without merit; Banks or financial companies sometimes charge some "high taxes and fees" to 4S stores, which are generally unwilling to bear by themselves; Go directly to the bank or financial company. They will still introduce you to the 4S shop because they don't have a car at hand.
3. What is the handling fee for car loan? Car loan service fees include: performance bond, notarized mortgage fee, credit investigation fee, installment service fee, etc. The performance bond is 3% of the loan amount, less than 3,000 yuan, and the notarized mortgage fee will be refunded after the loan: 800 yuan. Credit fee: 65438+ 0% of the loan amount. Installment fee: installment fee is charged for car purchase with credit card loan, and the total installment fee is above 12. Mortgage service fee: 3%.
1. How can we get a loan to buy a car when our budget is insufficient? 1: A car with a bank loan of 65,438+10,000 yuan needs a down payment of 30,000 yuan. If the remaining 70,000 yuan is borrowed from the bank, you need to pay 7400 interest (the benchmark interest rate for bank loans: 1 year 6.56%; 2 years 6.65%; 3 years 6.65%; 4 years 6.90%; 5- 6.90%). The monthly payment is 2 150 yuan, and the total cost of buying a car is 107400 yuan, which is 7400 yuan more than buying a car in full.
2. Credit card loan: Because credit card loan does not need interest, it only needs to pay the handling fee of 12% of the total loan amount in the first month. Therefore, if the loan is 70,000 yuan, you need to pay a handling fee of 8,400 yuan. The monthly payment is 1944 yuan, and the total cost of buying a car is 108400 yuan, which is 8400 yuan more than buying a car in full.
3. Finance company loans: The annual interest rate of finance company 1-3-year loans is generally around 8%- 12%. If 10% of the median value is taken as the annual loan interest rate, the interest to be paid for a loan of 70,000 yuan is113 yuan, the monthly payment is 2,258.7 yuan, and the total car purchase cost is1/kloc-0. So all the expenses are clear at a glance, and I believe everyone knows what kind of loan is more cost-effective. As for which method suits you, it depends on your personal savings and income.
Thank you for watching.