Normal, but this kind of situation is usually an intermediary running errands.
Car loan service fee refers to the handling fee for handling loans. Generally, a handling fee of about 10% of the loan amount is charged, and the names used by various automobile brands are different. The information fee, handling fee, evaluation fee and other fees add up to about 10% of the loan amount. Auto financing companies generally charge a certain margin, and the standards of each company are different. The loan interest rate is the same as the bank loan interest rate. The loan fee may be different for different ways for users to obtain loans. If a loan is made through an auto financing company, a handling fee of 10% is generally charged. Different brands use different names, but the total cost of various projects is about 10%, and the interest rate is the same as the bank loan interest rate.
The service fee is the fee charged by the service industry after providing you with certain business, and the invoice is some non-VAT services. The tax rate of service charge is based on the total price, which is different from value-added tax. Service tax rate (calculation method): including business tax 5%, urban maintenance and construction tax 7%, education surcharge 3%, local education surcharge 1%-2%, and local water conservancy construction fund 1%.
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1. Loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
How much is the financial service fee for the loan to buy a car?
Mortgage auto finance service fee: 1, service fee, if you buy a car with a loan, it is actually a car mortgage, and it takes a certain fee to buy a car with a loan, so many 4S shops are just a gimmick, and generally charge according to the amount of your loan; 2. If the loan is 6,543,800 yuan, it will be paid off in three years, and the handling fee is more than 5,000 yuan, and the service fee is about 654.38+ 0,000-654.38+0, 500 yuan. Different loan companies offer different prices. In fact, in this way, there is still interest, but the charging method is different. 3, auto insurance, this auto insurance must be bought, that is to say, as long as you have a loan, you must buy it in this 4S shop, and the cost is more expensive than buying it outside; 4. Margin, which is mainly to prevent customers from not buying insurance in 4S stores. Generally need 1000-2000 yuan. It is said that it will be retired, but it happens from time to time.
Is there a service charge for car loan?
There is no service charge for buying a car with a loan. Because the loan to buy a car is only an additional service provided by the seller to facilitate the transaction, the loan itself will generate certain interest, so there is no need to pay additional service fees for borrowing a car from the bank. Generally speaking, car shops can directly act as guarantors to guarantee loans to banks for buyers without charging any service fees. However, some private car shops are not qualified for guarantee, and these car shops need to find a third party to guarantee, so the service fee is generated. However, if consumers need to buy or use commodities or receive services for their daily consumption, their rights and interests shall be protected by this law; Matters not specified in this Law shall be protected by other relevant laws and regulations.
legal ground
Law of People's Republic of China (PRC) on the Protection of Consumers' Rights and Interests Article 4 When dealing with consumers, business operators shall follow the principles of voluntariness, equality, fairness, honesty and credibility.
Can I borrow the car service fee?
You can't borrow the car service fee. Because the loan amount is limited to the car price, excluding other insurance premiums and service fees. The service fee for the loan to buy a car is the agency fee, which is the fee charged by the seller to assist in the loan.
The service fee is actually the financial service fee charged by the dealer when the consumer entrusts the dealer to handle the loan formalities. This financial service fee is set by each dealer, so it cannot be included in the loan.
Other brief introduction about auto loan.
Auto loan application conditions:
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.
(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.
What is the cost of buying a car with a loan?
Loan to buy a car includes: down payment. When buying a car with a loan, you need to pay a certain amount as the down payment of the car (usually the down payment is 30% of the car price). Interest: interest is calculated according to the user's loan term and loan amount, and the interest rate is set by banks and financial institutions. Loan users need to repay the interest principal to banks or financial institutions on a monthly basis. Handling fee: users need to pay a handling fee (financial service fee) after successfully applying for a loan in a 4S shop, which is generally 2%-3.5% of the loan amount, and different brands will have different amounts. Insurance premium: In general, you are advised to choose only four basic insurances, namely compulsory insurance, car damage insurance, third party liability insurance and excluding deductible insurance. If you are the owner of the loan, you need to choose "theft emergency rescue" in the first year. In addition, the insurance premium does not include the vehicle and vessel use tax (which varies according to the displacement), but the insurance company collects the vehicle and vessel tax, so it is generally purchased together.
Answers from users of truck house
Do you need to pay a financial service fee for car loans?
No need, just interest, normal 2 years, 8 years, 3 years 12!
There may be a handling fee of around 1500 yuan, which can be discussed and given or not. No more than 2000 yuan, I won't give it!
You have to buy all the insurance. You can buy it anywhere, once a year, but 4S will definitely ask to buy all the insurance from him. Some potholes 4S will let you buy all the insurance in stages for several years. Don't worry about him, I'll do the math for you, including all the insurance for one year!
The loan installment has more interest than the full amount, and the rest are the overlord clauses of 4S!