There will be a handling fee for buying a car with a loan, which is generally around 2-3,000 yuan.
Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car. In fact, it is to borrow money from financial institutions to buy a car, but financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability.
No bad credit record, you need to meet the requirements of financial institutions before you can apply for a loan to buy a car. Loan to buy a car needs to be repaid on time, otherwise it is easy to reduce credit and may be sued by the bank for debt collection.
Precautions for buying a car:
1, choose a brand
For most people, a suitable brand is very important. For example, some people like Japanese cars, some people like German cars, some people like domestic cars, and some people like unpopular Korean and French cars. Each car series has its own unique highlights, and we need to find our favorite car brand.
2. Choose a car model
Models can be divided into cars, SUVs, MPVs, crossover cars, hatchbacks and so on. We need to choose the most suitable model according to our personal needs and preferences. For example, individuals can choose a small and flexible hatchback, family users choose an SUV with a large space, and families with a second child can choose a father model such as MPV.
Step 3 choose the price
Cars are consumables. When choosing a car, you must do what you can and choose a car with a price within your economic strength. In addition, when we buy a car, we often have to pay purchase tax, travel tax, insurance, license plate and so on. Therefore, when buying a car, we must consider the landing price of the vehicle to avoid tight budget.
Car mortgage fee 4000
Car mortgage fee: 1. Shops that buy 4S cars in stores have the obligation to help customers apply for car loans. Therefore, it is illegal for 4S to collect loan fees at present, and it is impossible to provide you with formal consumption invoices, usually by issuing receipts; As a matter of fact, the 4S shop can't help you. If you go through the bank, you still have to run by yourself. The store only prepares information for the bank to sign in person, and finally lends money. It is also very simple to go through the financial company in the store. Besides, the finance company has an interest relationship with the car dealership, and it can be said that it is their job responsibility to apply for free handling fees; 3, helpless car dealers are so pitted, so this price can be discussed in many cases, just like sales. If you don't mind, don't care; At present, the charge is generally between 10002000, and high-end cars may be charged in proportion to the loan amount.
What are the handling fees for buying a car loan? probably how many money
There is no uniform standard for car loan fees, and different stores and regions may be different. When consumers apply for loans, some handling fees are legal and need to be paid, such as credit reporting fees, performance bonds, notarized mortgage fees, etc. , usually collected in the following ways:
1. Credit fee: 65438+ 0% of the loan amount;
2. Performance bond: 3% of the loan amount will be charged; if it is less than 3,000, 3,000 will be charged, which can be refunded after the loan is paid off;
3. Notarization mortgage fee: 800 yuan is generally charged;
4. Mortgage fee: 3% of the loan amount;
5. Installment fee: installment fee is required for buying a car with a credit card loan, and the total installment fee is above 12.
According to the way people buy a car loan, there are roughly three kinds of handling fees:
1, bank loan interest Bank car mortgage loan, different banks, different loan interest period is different. 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%.
2. Credit card fees If you buy a car by installment with a credit card, there will be no loan interest, but there will be an installment fee (except for a few designated models, which are free of charge). 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%.
3. Other handling fees 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.
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Generally speaking, if consumers choose to borrow money to buy a car, the total cost of various handling fees may be tens of thousands. In addition to the above fees, there are also some loan car purchase fees: licensing fees, purchase taxes, insurance premiums, tolls, etc. You need to pay it when you buy a car. Of course, some car loan agencies or dealers will offer discounts such as "zero interest" and "zero down payment", but in fact, there may be some bundled consumption behind it. You need to pay more attention when choosing car loan products to avoid unnecessary losses.
Car dealers charge loan fees for the following reasons:
1 When the 4s store lends you a loan, the bank will charge the 4s store a certain fee, and you need to pay this fee.
The purpose of the 2.4s store is to make a profit, and it will not introduce the loan structure and banks to you in vain. It is still necessary to charge a certain benefit fee/service fee, but if the financial service fee is unreasonable or other fees are charged without notice, consumers can complain to the industrial and commercial departments or consumer associations to safeguard their legitimate rights and interests.
What are the costs of buying a car with a 4s shop loan? Four kinds of conventional loans
In addition to the normal expenses such as down payment, purchase tax, licensing fee and insurance premium, the biggest difference between a 4s shop loan to buy a car and a full car is the loan fee, which may be unclear to friends who are preparing to buy a car. Well, let's have a look. What are the costs of buying a car with a specific 4s shop loan?
First, the regular cost of buying a car with a loan from a 4s shop.
1, car down payment
Generally, a minimum of 20%, that is, 200,000 cars, can only be loaned with a minimum down payment of 40,000, and some 4s stores may also require a down payment of 30%.
2. Consumer goods
10% of the naked car price, that is, 200,000 naked cars, the purchase tax is 20,000, which is the tax that must be paid when buying a car.
3. Insurance premium
Compulsory insurance is compulsory, about 665 yuan, and the travel tax in 300 yuan is about 965 yuan. Plus commercial insurance, it's about 1000- 1400.
4. License fee
First, you need to buy a temporary license in a 4s shop, about 5 yuan/Zhang, and then go to the vehicle management office to get the license. The cost is about 100 yuan. If you call the 4s store directly to get the license plate, you will generally receive around 350 yuan.
Second, the loan fee for the 4s shop loan to buy a car
1, credit investigation fee
That is, to prove the qualification and credit of the lender, 1% of the loan amount is generally charged.
2. Performance bond
That is, the deposit for timely repayment is generally 3% of the loan amount, which can be refunded after the car loan is paid off.
3. Notarized mortgage fee
That is, the handling fee for notarization of car loan mortgage is generally charged to 800 yuan.
4. Mortgage costs
It may also be called mortgage service fee, which is an intermediate fee earned by 4s stores and generally charges 3% of the loan amount.
The above is about the cost of buying a car with a loan from a 4s shop. In addition to the regular fees, the loan fees charged by 4s stores are also different, subject to the actual situation.
What is the loan fee for buying a car?
1, hello, the comprehensive service fee for general loan car purchase is about 10000 yuan. In addition to the above expenses, it also includes license fees, insurance premiums, travel expenses, etc.
2. There are several main reasons for charging the car loan service fee: 4S shops buy cars, and 4S shops are responsible for recommending banks or financial companies to give you loans; The services provided by 4S stores are not without merit; Banks or financial companies sometimes charge some "high taxes and fees" to 4S stores, which are generally unwilling to bear by themselves; Go directly to the bank or financial company. They will still introduce you to the 4S shop because they don't have a car at hand.
3. What is the handling fee for car loan? Car loan service fees include: performance bond, notarized mortgage fee, credit investigation fee, installment service fee, etc. The performance bond is 3% of the loan amount, less than 3,000 yuan, and the notarized mortgage fee will be refunded after the loan: 800 yuan. Credit fee: 65438+ 0% of the loan amount. Installment fee: installment fee is charged for car purchase with credit card loan, and the total installment fee is above 12. Mortgage service fee: 3%.
1. How can we get a loan to buy a car when our budget is insufficient? 1: A car with a bank loan of 65,438+10,000 yuan needs a down payment of 30,000 yuan. If the remaining 70,000 yuan is borrowed from the bank, you need to pay 7400 interest (the benchmark interest rate for bank loans: 1 year 6.56%; 2 years 6.65%; 3 years 6.65%; 4 years 6.90%; 5- 6.90%). The monthly payment is 2 150 yuan, and the total cost of buying a car is 107400 yuan, which is 7400 yuan more than buying a car in full.
2. Credit card loan: Because credit card loan does not need interest, it only needs to pay the handling fee of 12% of the total loan amount in the first month. Therefore, if the loan is 70,000 yuan, you need to pay a handling fee of 8,400 yuan. The monthly payment is 1944 yuan, and the total cost of buying a car is 108400 yuan, which is 8400 yuan more than buying a car in full.
3. Finance company loans: The annual interest rate of finance company 1-3-year loans is generally around 8%- 12%. If 10% of the median value is taken as the annual loan interest rate, the interest to be paid for a loan of 70,000 yuan is113 yuan, the monthly payment is 2,258.7 yuan, and the total car purchase cost is1/kloc-0. So all the expenses are clear at a glance, and I believe everyone knows what kind of loan is more cost-effective. As for which method suits you, it depends on your personal savings and income.
Thank you for watching.
How much is the handling fee for 4S shop loan to buy a car?
1, the loan fee for buying a car in a 4S shop means that the user applies for a car mortgage, and the bank or auto financing company will launch preferential activities for the loan interest rate, so that the interest on the car loan is relatively low or even non-existent. The total price of a car bought by a user's loan is lower than the full amount, and 4S stores can only make a profit by charging a handling fee. At present, the handling fee of 4S stores is fixed, and the charging standards of 4S stores are different.
2. Although the user can refuse to pay the handling fee, if he refuses to pay the handling fee, the 4S shop will not handle the car loan formalities for the user.