Is it normal to have a handling fee of 3,000 to buy a car with a mortgage?
It is normal to have a handling fee of 3,000 to buy a car with a mortgage.
If car owners have questions when buying a car, they can visit several 4S stores for comparison. Of course, car owners can also negotiate with the 4S store to discuss the fees; generally, loan handling fees are mainly collected by financial institutions or banks entrusted by 4S. Yes, of course, the 4S store may falsely mark the fees, but there is nothing you can do about it; as long as you are handling the installment business, you will basically be charged this handling fee, which generally varies in amount; the higher the car price, the higher the handling fee.
At the same time, the loan handling fees will vary according to different financial institutions or banks. Some have fees and some do not. You can negotiate with them for details; in addition, when applying for a car loan mortgage, generally There will also be a GPS fee, which is also a high fee; in fact, it is recommended that you buy the car in full to make it more cost-effective.
The conditions for buying a car with a mortgage loan are mainly the following:
1. Be 18 years old (inclusive) or above and have full civil capacity;
2. Have a stable and legal source of economic income, and have the ability to repay the principal and interest of the loan on time;
3. Have good personal credit, and there is no bad credit record or serious negative information in the credit report.
Can I not pay the 3,000 car service fee?
Can I not pay the 3,000 car service fee?
Whether you buy a car in full or with a loan in installments, the 4S store has no right to ask for any service fees from the car owner. If the 4S store requires service fees, you can report it to the Industrial and Commercial Bureau to protect your own rights. Legitimate interests. When buying a car, you should read the contract clearly. If there is no service fee, you can refuse if the other party asks for service fee.
After buying a car, you need to pay compulsory insurance every year. The full name of compulsory traffic insurance is "Compulsory Motor Vehicle Traffic Accident Liability Insurance". It is the responsibility of the insurance company for the personal casualties and property losses of the victim (excluding the vehicle occupants and the insured) caused by the road traffic accident of the insured motor vehicle. Compulsory liability insurance that provides compensation within limits.
You can purchase third-party liability insurance, vehicle occupants liability insurance and other commercial insurances based on the car owner’s own needs and economic conditions. For specific types of insurance you need to purchase, you can go to the relevant insurance company You don’t have to listen to the introduction of insurance company staff to choose the insurance you need.
Legal Basis
Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability
Article 4 The Insurance Regulatory Authority of the State Council shall, in accordance with the law, inspect insurance companies for motor vehicle traffic accidents. The compulsory liability insurance business shall be subject to supervision and management.
The traffic management department of the public security organ and the agriculture (agricultural machinery) department (hereinafter collectively referred to as the motor vehicle management department) shall supervise and inspect the participation of motor vehicles in compulsory motor vehicle traffic accident liability insurance in accordance with the law. For motor vehicles that have not participated in compulsory motor vehicle traffic accident liability insurance, the motor vehicle management department shall not register them, and the motor vehicle safety technical inspection agencies shall not inspect them.
When investigating and handling road traffic safety violations and road traffic accidents, the traffic management department of the public security organ and its traffic police shall inspect the insurance signs of compulsory motor vehicle traffic accident liability insurance in accordance with the law. Article 2 The owner or manager of a motor vehicle driving on the roads within the territory of the People’s Republic of China shall purchase compulsory motor vehicle traffic accident liability insurance in accordance with the provisions of the Road Traffic Safety Law of the People’s Republic of China. .
These regulations shall apply to the insurance, compensation, supervision and management of compulsory motor vehicle traffic accident liability insurance.
Warm reminder
The above answers are only based on the current information and my understanding of the law. Please refer to it with caution!
If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with professionals in detail.
When I bought a car with a loan from a 4S store, I received a stored value deposit of 3,000 yuan. Can I get it back after the car loan is exchanged?
1. When buying a car with a loan, there are generally Service fee, this is normal. So the service fee of 3,000 yuan is not a lot. If you buy the car in full, there is no financial service fee, but refunds are impossible.
2. If you take a loan to buy a car, there will usually be a financial service fee charged. Basically, it will charge 3,000 yuan now. In your situation, if you don’t want to buy a car, you need to refund it. If you have money, this is okay.
3. The procedures for installment models are relatively troublesome. The financial service fee of 3,000 is equivalent to a handling fee. This cannot be refunded after the installment payment is completed. Yes.
4. Give it a try.
5. It should be possible.
Is it normal to have a handling fee of 3,000 to buy a car with a mortgage?
It is normal to have a handling fee of 3,000 to buy a car with a mortgage.
There is a service fee of 3,000 when buying a car, which mainly refers to the mortgage service fee. Generally speaking, 4S stores will charge several thousand to tens of thousands. Because this fee is not a clearly defined fee, the service fee charged will vary between cities or different vehicle brands.
In addition, if the user qualifications are average and cannot apply for a bank loan, then you can consider manufacturer finance. During this process, you should also pay attention to whether there will be additional fees. Normally, you only need to pay interest. .
Things to note when buying a car with a mortgage
Nowadays, some car dealers take advantage of consumers’ lack of legal knowledge and deceive consumers into signing blank contracts. However, after the consumer loan procedure was completed, when the consumer saw the credit contract, he found that the loan amount was different from the previously promised price.
At present, some dealers have launched interest-free car loans in order to attract customers. The actual discount may not be as affordable as imagined, because they will charge a certain amount of handling fees while being interest-free. This handling fee is It may be similar to the interest rate, so you need to carefully check it based on the actual situation when buying a car.
How much is the handling fee for car loans?
It is reported that the current handling fee for bank car loans is 3%, while the handling fees of auto financial institutions and 4S stores with more convenient approval are relatively low. high.
Generally speaking, buying a car with a loan requires vehicle mortgage and insurance procedures, so the handling fees included in the car loan mainly include compulsory traffic insurance, vehicle and vessel use tax, commercial insurance premiums, and licensing fees. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to purchase it.
If you want to know how much the handling fee is, you can ask more about different brands of models when buying a car to see how their handling fees are charged, and you will know the local market conditions. . Based on experience, if the car model is about 100,000 yuan, if the loan is about 60,000 yuan, the handling fee will be about 3,000-5,000 yuan. If it is a car model of 20.3 million yuan, the loan amount will be greater than 150,000 yuan, generally speaking, it is 6,000 to 8,000 yuan. Around (the above is the average level, the specific situation will fluctuate according to the actual situation of the place where you buy the car);
As for the cost, you must inquire in advance, not only ask the staff of the 4S store, but also learn more Regarding relatives and friends, don’t trust the 4S store too much. Some fees are actually collected by them themselves. Some 4S stores offer discounts that include both interest and handling fees, which must be paid together. Some offers include only interest and no handling fees. Others offer only handling fees and no interest. You must distinguish between them.
This ends the introduction about the 3,000 car loan handling fee and how much the car loan handling fee is. I wonder if you found the information you need?