It is reported that at present, the handling fee of bank auto loans is 3%, while the handling fee standard of auto finance institutions and 4S shops with more convenient approval is relatively high.
Generally speaking, the loan to buy a car needs to go through the formalities of vehicle mortgage and insurance, so the handling fees included in the loan to buy a car are mainly compulsory insurance, vehicle and vessel use tax, commercial insurance and licensing fees. In terms of commercial insurance, there is no relevant mandatory provision, but 4S stores often require car buyers to buy.
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 collected, so that you can know the local market. According to the experience, if the loan is about 60,000 yuan for a car with a general100000, the handling fee will be about 30-5000 yuan, and if the car is 20.3 million yuan, the loan amount will be more than150000, generally speaking, it will be about 6,000-8,000 yuan (the above is the average level, depending on the local actual situation).
For the question of fees, we must inquire in advance, not only ask the staff of the 4s shop, but also get to know more about relatives and friends. Don't trust the 4s shop too much. Some fees are actually collected by themselves. Some 4s stores offer both interest and handling fee, some offer only interest and no handling fee, and some offer only handling fee and no interest, so we must distinguish them.
How much is the service fee charged by the loan intermediary for 3 points?
The three points of the loan intermediary service fee are the loan amount multiplied by 0.03, and the loan 1 ten thousand service fee is 300.
Xi' an Mercedes-Benz female car owner returned the service fee.
June 20 19 1 1 day, 62 days after climbing the hood of Mercedes-Benz, Wang Qian (pseudonym) brought back the new car from a Mercedes-Benz 4S shop. In addition, Wang Qian told Red Star News that the service fee of 1.5 million yuan that she had been charged had also been refunded.
Zhang Min, chief economist of the Taxation Bureau of Xi 'an Hi-tech Industrial Development Zone, once said that the "financial service fee" paid by Wang Qian was actually collected by the staff of a third-party company A stationed in a 4S shop. On this advance payment service agreement signed between the female car owner and B-Sheng Automobile Trading Co., Ltd., it shows that the approved loan is 4 19 160 yuan, of which 3% is RMB 12575.
Law enforcement agencies have investigated and dealt with the illegal acts of B Automobile Trading Co., Ltd. suspected of infringing on consumers' rights and interests.
At present, almost all 4S stores that provide financial loans to consumers will charge financial service fees, with different amounts. At present, the general charging standard of "financial service fee" in the market is about 2% of the loan amount, but various 4S stores are different, and many of them have received about 4%, ranging from several thousand yuan to ten thousand yuan.
Extended data:
The financial service fee in the market has become a "semi-open rule". The general charging standard of each brand is about 2% of the loan amount, but many 4S stores are different, and many of them have received about 4%, ranging from several thousand yuan to ten thousand yuan. Another car salesman also confirmed that some 4S stores can get 50% of the financial service fee, so the salesman will try his best to persuade all customers to do mortgage, and there is also a set of words.
This fee exists in the distribution links of many brand manufacturers. "Conscious" merchants will mark the "existence" of this fee in the corner with particularly small words on the posters in the window of 4S stores. According to relevant media reports, there are three kinds of financial service fees, namely domestic cars, joint venture cars and imported cars. Domestic cars, generally under100000 yuan, are the same as joint venture cars, and they all charge about 3000 yuan.
For a car of about 200,000 yuan, it is generally based on the service point. For example, if your loan is100,000 yuan, you will be charged a few points of handling fee according to100,000 yuan. If you import a car, that point will be higher than that of a joint venture car of more than 200 thousand. There is no basis for the collection of financial service fees, which is unreasonable; Through WeChat transfer, the actual revenue of this 4S store is not recorded, and it is suspected of tax evasion.