How much is the car loan service fee?
Friends who have made car loans know that they have to pay a lot of service fees when handling them. According to the current market situation, the service fee mainly includes the following items.
First, the service fee paid to the bank.
The loan must go through the bank. In addition to the corresponding interest, the bank will also charge a service fee. The amount of service fee is related to the borrower's loan amount and loan term. Generally speaking, the longer the loan term, the higher the service fee.
Second, the service fee paid to the 4S store.
This money, also called financial service fee, is also calculated according to the loan amount. For example, if the price of the car that Kobayashi wants to buy is 300,000, the down payment ratio is 30%, and the service fee ratio is 3%, then the financial service fee that Kobayashi has to pay to the 4S shop is 300,000× (1-30% )× 3% = 6,300 yuan.
Third, the notary fee paid to the notary office.
The automobile loan contract needs to be notarized by the notary office before it has legal effect. The notary fee 100 yuan is required when signing the loan contract. The notary fee is for the notary office and cannot be refunded. Generally, the notarization fee is collected by the bank first, so the bank will issue a receipt to the customer. The official invoice is issued by the notary office and generally handed over to the automobile dealer, and the customer can ask for it from the automobile dealer.
Fourth, the service fee paid to the vehicle management office.
Because before the car loan is paid off, the ownership of the car belongs to the bank, and the bank must go to the vehicle management department to change the ownership of the car, that is, the Green Paper. When handling the car mortgage at the vehicle management office, a certain fee is charged, and the amount varies from region to region, generally in 300 yuan.
Fifth, the service fee paid to the guarantee company.
The borrower must have a guarantor or a guarantee company to buy a car, and the guarantee company must charge a certain fee for providing guarantee services. Guarantee companies in different regions have different calculation methods for guarantee fees, and the fees charged by guarantee companies for different models will be different. According to the usual guarantee rate of 1% ~ 3%, if you buy a car with140,000 yuan, the loan will be nearly100,000 yuan according to the 70% mortgage. Besides the car purchase, you need to pay a guarantee fee of1000 ~ 3,000 yuan.
Sixth, the investigation fee.
Banks generally entrust other units to investigate the personal funds and credit of car buyers. However, as far as I know, there is no relevant provision in the current law on the charging standard of credit information fees. Now car loans should rarely charge this fee. It is recommended to directly find a bank or contact a car dealer to negotiate a reduction.
How much is the service fee for buying a car with a loan of 6.5438+0.6 million yuan?
The loan is 6.5438+0.6 million yuan, and the car service fee is about 1 10,000 yuan. The overall handling fee for buying a car with a general loan is about 6,543,800 yuan, including performance guarantee, notarized mortgage, credit investigation, installment handling fee, mortgage handling fee, licensing fee and insurance fee.
What are the costs of buying a car with a loan?
Some expenses involved in the process of buying a car:
(1) car loan down payment. Generally speaking, the down payment is generally 40% of the car price. Of course, there are also eligible borrowers, such as high-income customers of institutions or large companies, which can be appropriately relaxed to 30%.
(2) The insurance premium for new cars needs to be paid by the state compulsory insurance, and all car buyers need to pay it. The other part is the cost of commercial auto insurance, such as car damage insurance, three-way insurance, vehicle personnel liability insurance and so on. Among the commercial auto insurance costs, there are many types of insurance involved, and the auto insurance costs are directly related to the car price of the car buyers, and the types of insurance in different regions may be slightly different.
(3) The notarization mortgage fee is mainly notarization fee and mortgage fee. In general, the notarized mortgage fee for vehicles is about 1000 yuan.
(4) License fee. Literally, the license fee is the cost of handling a car license. It is understood that the licensing fee for new cars mainly includes the fees paid for online inspection of new cars, the fees for taking photos of rubbings and the fees for new car license plates. Settle in 300 yuan or so, and the charges in different regions may be slightly different.
(5) The performance bond simply means that the guarantee paid at the time of loan is close. After the borrower completes the mortgage loan, the deposit will be refunded in full, and 3,000 yuan will be charged for vehicles under 300,000 yuan.
(6) The credit fee is generally charged at 1% of the borrower's loan amount, and there will be some differences in different charging standards in different regions.
information needed
1: personal loan application;
2. Personal valid identity documents. Including resident identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;
3. Household registration certificate or long-term residence certificate;
4. Personal income certificate, family income or property certificate when necessary;
5. Certificate of intention to buy a car issued by the car dealer;
6: Loan to buy a car down payment certificate;
7: If the purchased vehicle is secured by other means than mortgage, relevant materials for the guarantee shall be provided, including pledge certificate, ownership certificate and evaluation certificate of mortgaged real estate, and letter of intent for third party guarantee, etc. ;
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement between the vehicle and the transport fleet;
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by China Construction Bank; Vehicle seller's vehicle ownership certificate, motor vehicle registration certificate of trading vehicle, vehicle annual inspection certificate, etc.
How much is the financial service fee for the loan to buy a car?
Mortgage auto finance service fee: 1, service fee, if you buy a car with a loan, it is actually a car mortgage, and it takes a certain fee to buy a car with a loan, so many 4S shops are just a gimmick, and generally charge according to the amount of your loan; 2. If the loan is 6,543,800 yuan, it will be paid off in three years, and the handling fee is more than 5,000 yuan, and the service fee is about 654.38+ 0,000-654.38+0, 500 yuan. Different loan companies offer different prices. In fact, in this way, there is still interest, but the charging method is different. 3, auto insurance, this auto insurance must be bought, that is to say, as long as you have a loan, you must buy it in this 4S shop, and the cost is more expensive than buying it outside; 4. Margin, which is mainly to prevent customers from not buying insurance in 4S stores. Generally need 1000-2000 yuan. It is said that it will be retired, but it happens from time to time.
Automobile loan service fee
It is reported that at present, the handling fee of bank auto loans is 3%, while the handling fee standard of auto financing institutions and 4S shops with convenient approval is relatively high.
Generally speaking, the loan to buy a car requires vehicle mortgage, insurance and other procedures, so the handling fees included in the loan to buy a car are mainly compulsory insurance, vehicle and vessel use tax, commercial insurance, licensing fees and so on. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to buy them.
If you want to know how appropriate this handling fee is, you can inquire about some different brands of cars when you buy a car and see how their handling fees are charged, so that you can know the local market. Next, according to experience, if you use a car with a loan of about 654.38+10,000 yuan, the handling fee is about 300-5,000 yuan, and if you use a car with a loan of 20.3 million yuan, the loan amount is also more than 1.5 million yuan, generally speaking, it is about 60-8,000 yuan (the above is the average level, which fluctuates according to the actual situation of local car purchase);
For the question of cost, you must inquire in advance, not only to ask the staff of 4s shop, but also to know more about relatives and friends. Don't trust 4s stores too much. Some expenses are actually collected by themselves. Some 4s stores provide both interest and handling fees, some only provide interest without handling fees, and some only provide handling fees without interest. We must distinguish between them.