Car loan service fee refers to the handling fee for handling loans. Generally, a handling fee of about 10% of the loan amount is charged, and the names used by various automobile brands are different. The information fee, handling fee, evaluation fee and other fees add up to about 10% of the loan amount. Auto financing companies generally charge a certain margin, and the standards of each company are different. The loan interest rate is the same as the bank loan interest rate. The loan fee may be different for different ways for users to obtain loans. If a loan is made through an auto financing company, a handling fee of 10% is generally charged. Different brands use different names, but the total cost of various projects is about 10%, and the interest rate is the same as the bank loan interest rate.

The service fee is the fee charged by the service industry after providing you with certain business, and the invoice is some non-VAT services. The tax rate of service charge is based on the total price, which is different from value-added tax. Service tax rate (calculation method): including business tax 5%, urban maintenance and construction tax 7%, education surcharge 3%, local education surcharge 1%-2%, and local water conservancy construction fund 1%.

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1. Loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.