The car competitive sales is very intense. In order to gain the largest market share, many dealers generally sell at prices lower than the manufacturer's guide price, and the profit margin of merchants is severely squeezed by zero interest rate, zero handling fee and other promotional means.

In the increasingly fierce competition, wool comes from sheep. If 4S stores want to make a profit, they will try their best to beg food from consumers. Financial service fee has become the main profit source and income-generating means in the sales process of 4S stores. Banks generally do not authorize dealers to charge financial service fees or loan service fees, which is the overlord clause of 4S stores and is suspected of compulsory charges in the legal sense.

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Precautions:

When buying a car with a loan, most of them use the way of ownership reservation. The ownership of the car is mortgaged and does not belong to the user before the consumer pays the full amount of the car purchase.

Because the owner of the car is not entirely an individual consumer before the loan is settled, in order to reduce the risk, the dealer will generally put forward some car insurance that must be purchased as the loan condition in the car loan contract.

Generally speaking, when buying a car with a loan, the dealer will ask consumers to buy at least four main insurances in the store. The insurance cost of a car with a price of 200,000 yuan is about 1 ten thousand yuan. Brother Gang reminds everyone to read the relevant insurance clauses carefully when handling car loans.

Baidu encyclopedia -4s branch

Baidu encyclopedia-loan to buy a car

People's Daily Online -4S stores charge service fees for car loans. China Consumers Association: This charge is unreasonable.