The boss of a car dealer in Mengguan, Guiyang, who asked not to be named bluntly said that the review fee was not collected by the bank. In fact, it is a hidden rule in the automobile sales industry to charge the loan car audit fee, just like raising the price to pick up the car. Zhou Yu plays the yellow hat, and one is willing to fight and the other is willing to suffer. In Guiyang, car dealers rarely don't charge car loan evaluation fees, which are charged to maintain the normal operation of the store.
The staff of a car dealer in Jinyang, Guiyang, said: It is the fee charged by the bank when handling the loan, and it is the fee required for evaluating and reviewing the information provided by the car buyer. Even if it is not collected by the bank, the information provided by the customer, such as the daily accounts and income of the bank, must be audited, which requires cost. If you want to get a loan in the bank smoothly, you must have this' activity fee'.
When buying a car with a loan in Guiyang, the car dealer has to charge a review fee, and the standard is different. The lower the car price, the lower the evaluation fee; The higher the car price, the higher the evaluation fee. In Ji Hui Automobile City, Qingzhen, two sellers said that for automobile brands with a price of 6,543.8+10,000 yuan and 6,543.8+0.5,000 yuan, the examination fees for car loans were 6,543.8+0.500 yuan and 2,000 yuan respectively, which were not charged according to the car price.
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ICBC, CCB and other big banks said: the loan only has interest, and there are no other expenses. According to the reply from the Provincial Consumers Association to the Provincial Banking Regulatory Bureau, it is also confirmed that bank loans do not charge fees other than interest.
Guiyang Mengguan Industrial and Commercial Office said that if consumers are charged a car loan evaluation fee, they can complain to the industrial and commercial office. Once verified, they will order the car dealer to refund the unreasonable evaluation fee. Huaxi Industrial and Commercial Bureau advises consumers to inform car dealers that they can't charge such illegal fees, otherwise the industrial and commercial department will investigate.
People's Daily Online-Why should I pay an "assessment fee" for buying a car with a loan?