1, auto financing loan
The biggest trick is the handling fee, which is charged according to the amount and length of the loan. This is negotiable. Is it difficult? Because the buyer buys a car, the loan is nominally a loan from a financial company, but the 4S shop needs real money to pick up the car, which is equivalent to the seller paying the money in advance on behalf of the buyer, so in fact, the buyer owes the seller. They certainly don't want their money to be used for turnover in vain, so they charge car buyers in the name of handling fees.
2. Bank consumption loans
This is a bit tricky. Banks have various handling fees and need guarantee companies to provide guarantees for this loan, but all the expenses of the guarantee must be paid by the car buyers. Guarantee companies charge guarantee fees, material fees and so on. After all, it's all your consumption anyway Banks make money, guarantee companies make money, and all risks are borne by car buyers.
3, credit card installment car purchase
As far as I know, it's nothing. It's more transparent. But the interest on installment payment is relatively high.
Generally speaking, all negotiable charges can be counted as tricky, just trying to draw blood from car buyers.
Although there is a handling fee, the procedure is simple, the interest is not high, and the total expenditure plus handling fee is still relatively cheap.
The second is the most cumbersome, all kinds of approvals, all kinds of troubles, and charges by the minute.
The third item is not bad, but the cost is a bit high.