If you plan to buy a car with a loan, you probably need to pay five kinds of fees: down payment, insurance premium, notarization fee, vehicle mortgage fee and other related fees. Cost 1: down payment = purchase price ×30% (the down payment ratio of each bank is not exactly the same, generally 30%) Cost 2: insurance cost = accidental injury insurance of the borrower (the first beneficiary is the bank). Auto-ignition insurance and third-party liability insurance for stolen vehicles. The insurance premium shall be paid in one lump sum according to the loan term (if the loan term is 3 years, the three-year insurance premium shall be paid in one lump sum). Cost III: Notarization fee for the loan contract (the notary office will charge it, which varies slightly from place to place). Fee 4: Vehicle mortgage fee (charged by vehicle management department, slightly different from place to place). Expense 5: Other expenses such as vehicle surcharge are the same as non-loan car purchase.
Second, what are the costs of car loans?
How much is the car loan? How to calculate the cost of car loan? The loan channel introduces you to the cost of car loans, as follows: At present, some car dealers and loan intermediaries use the so-called zero down payment, low interest rate or even interest-free as a means of promotion. Some concessions are actually "the wool is on the sheep" and will "make up for the loss" by raising the car price and handling fee. Therefore, handling auto loans should be handled by commercial banks or regular auto financing companies that comply with the Measures for the Administration of Auto Financing Companies. According to the regulations of the bank, individuals can pay a certain down payment, notarization fee and insurance premium when buying a car at a car dealer recognized by the bank, and can repay the loan principal and interest in installments. If he has full capacity for civil conduct, he can apply for a car loan. Regarding the handling fee for car loan, the relevant fees are as follows: 1. Cost: down payment = purchase price ×30%, that is, 80,000× 30% = 24,000 yuan. 2. Expenses: personal accident insurance of the borrower (the first beneficiary is the bank), as well as emergency insurance, spontaneous combustion insurance, third party liability insurance and car damage insurance. The insurance premium is about 3200 yuan. 3. Fees: notarization fee for loan contract 100 yuan (charged by notary office) and vehicle mortgage fee 300 yuan (charged by vehicle management department). 4. Expenses: Other normal expenses such as vehicle surcharge for non-loan car purchase.
3. What are the charges for applying for automobile mortgage in the bank?
First, the car down payment.
The down payment fee is generally 40% of the car price, and the high-income customers of institutions or large companies can be appropriately relaxed to 30%.
Second, the new car insurance costs
New car compulsory insurance costs and commercial auto insurance costs. Compulsory insurance is a national strength and a unified price. However, there are many kinds of commercial auto insurance and vehicle personnel liability, and they are linked to factors such as car price and region. After calculation, car owners can use the online free auto insurance calculator to charge.
Three. notarize
Fair mortgage fees include notarization fees and mortgage fees. Generally speaking, the fair mortgage fee for handling vehicles is about 1000 yuan.
Fourth, the license fee.
The registration fee is the fee for applying for a car license plate, and it is exempted if you choose to apply for it yourself. Generally speaking, the new car registration fee mainly includes the new car online inspection fee, photo rubbing fee and new car license plate fee, which add up to about ***300 yuan.
The performance bond is the deposit required to pay the loan, and the vehicle with loan amount less than 1 10,000 yuan will be charged 3,000 yuan.
Credit fee for intransitive verbs
Usually take it. There are differences due to different regions.
4. I plan to borrow money to buy a car. How to calculate the purchase tax and insurance?
1. The car loan fee does not include purchase tax and insurance.
2. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at 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. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit record and must meet the requirements of financial institutions before they can apply for a loan to buy a car.
3. Basic knowledge of loan car purchase: 1) Total down payment = necessary commercial insurance for down payment. 2) purchase tax = purchase price /( 1 17%)× purchase tax rate (10%). 3) Licensing fee: Generally, the one-stop service fee provided by merchants is about 500 yuan, and the personal handling fee is about 373 yuan, including industrial and commercial verification 150 yuan, mobile license 30 yuan, environmental protection license 3 yuan, extension fee 40 yuan, driving license photo 20 yuan and pallet 130 yuan. 4) Vehicle and vessel use tax: unified in different provinces. Take Beijing as an example, there are 9 or less buses in 480 yuan and 9 or more buses in 540 yuan. 5) Compulsory traffic insurance: 6 or less families in 950 yuan, 6 or more families 1 100 Yuan. 6) Total term insurance: The average discount of insurance companies is 77%.