In addition to the normal expenses such as down payment, purchase tax, licensing fee and insurance premium, the biggest difference between a 4s shop loan to buy a car and a full car is the loan fee, which may be unclear to friends who plan to buy a car. Well, let's have a look. What are the costs of buying a car with a loan from a specific 4s shop?
First of all, the regular cost of buying a car with a loan from a 4s shop
1, car down payment
Generally, the minimum is 20%, that is, 200,000 cars, and the minimum down payment is 40,000. Some 4s stores may require a down payment of 30%.
2. Consumer goods
10% of the price of naked cars, that is, 200,000 naked cars, the purchase tax is 20,000, which is the tax that must be paid when buying a car.
3. Insurance premium
The compulsory insurance is about 665 yuan, and the travel tax in 300 yuan is about 965 yuan. Plus commercial insurance, it's about 1000- 1400.
4. License fee
First of all, you need to buy a temporary license in a 4s shop, about 5 yuan/Zhang, and then go to the vehicle management office to get the license. The cost is about 100 yuan. If you call the 4s shop directly to get the certificate, you will generally accept 350 yuan or so.
The second is the loan fee for the 4s shop loan to buy a car
1, credit investigation fee
That is, to prove the qualification and credit of the lender, 1% of the loan amount is generally charged.
2. Performance bond
That is, the deposit for timely repayment is generally 3% of the loan amount, which can be refunded after the car loan is paid off.
3. Notarized mortgage fee
That is, the handling fee for notarization of car loan mortgage is generally charged to 800 yuan.
4. Mortgage costs
It may also be called mortgage service fee, which is an intermediate fee earned by 4s stores and generally charges 3% of the loan amount.
The above is the relevant content about the 4s shop loan to buy a car. In addition to the regular fees, the loan fees charged by 4s stores are also different, subject to the actual situation.
How many kinds of Audi loan plans are there? There are three main types.
Audi's loan scheme generally refers to the measurement of down payment and loan ratio, as well as the choice of loan term, and the loan interest rate is generally given according to the lender's comprehensive qualification evaluation. Audi offers relatively many loan schemes. How many loan plans does Audi have? As we all know, the starting price of Audi is at least 200,000, and the better the model, the higher the price. Here, we only take 200,000 as an example for your reference.
1. How many loan plans does Audi have?
According to the official website of Audi, there are three loan schemes: Yi Rong Loan, Yirong plus Scheme and Audi Old Friend Scheme. The main differences are as follows:
1, the down payment ratio is slightly different.
Generally, pure electric and hybrid vehicles 15% start, fuel vehicles 20% start, and the minimum down payment for Zunrong Easy Loan is often 20%.
2. The loan term is different.
The term of Zunrong Easy Loan is 1-5 years, and the fixed term of Yirong plus and Audi old friends is 3 years.
3. The interest rate range is different.
The interest rate range of Zunrong Easy Loan is 12 month repayment, and the monthly interest rate is 24 months repayment. The annual interest rate is that the longer the loan term, the smaller the interest rate.
Yi Rongjia's lowest interest rate is 4.88-7.97%.
The annual interest rate for a three-year loan is generally 2. Taking Audi A3 as an example, the market guidance price is 203,65438+10,000 yuan.
At present, the 4s shop adopts the monthly repayment method of equal principal and interest, so:
1, respect for easy loans
Pay off in the shortest 12 months, with a down payment of 20% and a monthly payment of 13604 yuan;
Pay off within 60 months at the longest, with a down payment of 20% and a monthly payment of 3,208 yuan.
2. Yi Rong Plus Plan
Down payment 15%, monthly payment of 5 183 yuan, 36 months.
3. Audi Old Friends Program
Down payment 15%, monthly payment of 5070 yuan, still 36 months.
The above is the introduction of the loan scheme of Audi 4s shop. I suggest you choose a suitable loan scheme according to your repayment ability, or you can apply for a car loan in the bank yourself, but the procedure is relatively troublesome.
Excuse me, how can I get a loan to buy a car in a 4s shop?
1. Ask the 4s shop about the models that support loan car purchase, and then choose one from them.
2. Ask which financial institution the 4S shop cooperates with for loans.
3. Submit a loan application to a financial institution.
4. Financial institutions shall examine and approve the application.
After approval, you can borrow money to buy a car.