It is reported that at present, the handling fee of bank auto loans is 3%, while the handling fee standard of auto financing institutions and 4S shops with convenient approval is relatively high.
Generally speaking, the loan to buy a car requires vehicle mortgage, insurance and other procedures, so the handling fees included in the loan to buy a car are mainly compulsory insurance, vehicle and vessel use tax, commercial insurance, licensing fees and so on. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to buy them.
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 charged, so that you can know the local market. Next, according to experience, if you use a car with a loan of about 654.38+10,000 yuan, the handling fee is about 300-5,000 yuan, and if you use a car with a loan of 20.3 million yuan, the loan amount is also more than 1.5 million yuan, generally speaking, it is about 60-8,000 yuan (the above is the average level, which fluctuates according to the actual situation of local car purchase);
For the question of cost, you must inquire in advance, not only to ask the staff of 4s shop, but also to know more about relatives and friends. Don't trust 4s stores too much. Some expenses are actually collected by themselves. Some 4s stores provide both interest and handling fees, some only provide interest without handling fees, and some only provide handling fees without interest. We must distinguish between them.
Public finance needs to charge 0.2% for car loan repayment.
It is normal to charge 0.2% for the answer to the public finance car loan. There is a handling fee for car installment repayment. If it is a loan, there must be interest. Volkswagen Finance (China) Co., Ltd. is a wholly-owned subsidiary of Volkswagen Financial Services Company in China. Headquartered in Beijing, China. Volkswagen Finance (China) is the first wholly foreign-owned auto finance company in China. Since its official opening in China in September, 2004, Volkswagen Finance (China) has been committed to providing advanced auto finance products and quality services to the vast number of auto consumers in China.
Public finance loan
The customer service telephone number of auto finance is 035-3622-2678.
Auto finance means that when consumers need a loan to buy a car, they can directly apply for preferential payment from auto finance companies, and they can choose different models and different payment methods according to their personal needs.
Since the "Administrative Measures for Auto Finance Companies" was officially implemented on August 8, 2004, China's auto finance market has experienced a development course of 14 years.
During this period, China's automobile sales increased by nearly 300%, but the automobile financial penetration rate only doubled, far below 70-80% of foreign consumption.
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Financial model:
Replacing "selling" with "renting" is also a kind of automobile financing lease. It first appeared in the United States, and now it has become the mainstream of American auto financial services. He is different from the traditional financial loan to buy a car. He rented the car to a customer, and the ownership of the car belonged to the auto financing company at that time. After the lease expires, the ownership of the car belongs to the customer. The advantages of this auto finance are as follows:
(1) Packaged leasing lowers the threshold for car purchase. Chuangfu Auto Finance takes the naked car payment, purchase tax, license fee, insurance and other taxes and fees as the installment payment object. Customers only need to pay 20% of the total amount as the deposit and 1% of the handling fee within one year to get the right to use the vehicle, and the 20% deposit will be returned after the lease term ends.
(2) Rent is a kind of expense to provide VAT invoices for enterprises. It can be used as a voucher for reimbursement of car stickers and also as a basis for enterprise accounting.