1. Service charge: 3% of the loan amount.

2. Deposit: 3% of the loan amount, which can be refunded after the loan is settled.

3. Inspection expense: 500 yuan/vehicle.

4. Handling fee: 1000 yuan/vehicle.

5. Appraisal fee: The appraisal institution will decide the amount to be charged according to the loan amount.

Second, what are the fees for car loans?

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 other 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.

3. What are the costs of car loans?

First, the car loan fee

The biggest loan cost for banks in automobile mortgage is loan interest. Different banks and loans with different maturities have different interest rates. The benchmark interest rate for three-year loans is 6. 15%, and the actual loan interest rate is usually higher than the benchmark interest rate, and the benchmark rises by 30% to 40%. Is there any other charge for mortgage loan besides loan interest? This also depends on the specific situation of the loan. For example, some car loans need to be guaranteed. If it is guaranteed by a guarantee company, it is generally necessary to pay a certain deposit, which generally costs several thousand yuan. If the borrower repays the loan on time, the guarantee company can refund a certain amount of deposit as agreed. If you use real estate as a mortgage loan, there will be real estate assessment fees, mortgage registration fees and other fees.

Second, the installment car purchase fee

If you buy a car by installment with a credit card, there is no loan interest, but there will be an installment fee (except for a few designated models). Different banks have different credit card installment fees, and there are two payment methods for credit card installment fees: one-time payment and installment payment. General 12 total cost is above 10%.

Three. Other handling fees for automobile loans

Whether it is car loan or credit card installment, if it is handled through a car dealer, it may be necessary to pay a certain agency fee to the dealer.

4. I'm going to borrow10.2 million to buy a car naked. How much do I have to pay for it?

Payment option amount remarks purchase tax 10256 yuan purchase tax surcharge = car purchase price/1 1.7 car inspection and licensing; 300 yuan pays vehicle and vessel use tax; 420 yuan, a bus with less than 9 seats; 540 yuan, more than 9 buses; Compulsory traffic accident liability insurance; Families with less than 6 seats; 950 yuan, more than 6 households; 50 yuan triangle fire extinguishers with more than 6 seats for household use 1 100 yuan/year. The total term insurance in 90 yuan is 4,896 yuan/year, including four kinds of term insurance: car damage insurance, third party liability insurance, theft insurance and special insurance without deductible. Total price 13 1.022 yuan. The actual price should be based on the purchase time. If the loan is 120000 yuan, the down payment is 60%, the down payment is 72000 yuan, the purchase tax is 10256 yuan, the normal insurance premium is 4500 yuan, the insurance guarantee deposit is 2000 yuan, the loan procedure is 2000 yuan, and the licensing procedure is 1000 yuan. All in all. What I predicted for you is basically comfortable. If the basic control is within these limits, there will be no problem. The interest rate of selective loans is raised, and the loan is estimated to cost about 200 million more than the current two-year loan!