Most loans need to be repaid when buying a car.
China Consumer Research Association clearly stated that the automobile market should sell real prices such as financial information services, and avoid illegal behaviors such as forced trading. Those who violate disciplines such as forcing consumers to buy commercial insurance, paying renewal deposit or renewal deposit, and failing to inform consumers to overcharge license fees and financial service fees should be severely punished according to regulations.
In other words, as long as the store has set a certain price before charging the fee, and has told consumers to charge the financial service fee, then this behavior is effective. It is these stores that secretly charge fees without telling consumers. Now most agents will stipulate that customers who buy cars by stages will be charged financial service fees.
In fact, the financial service fee is not defined by official website in the automobile industry. This fee is related to financial information service enterprises and automobile 4S shops. According to international practice, it will be charged at the amount of 3%-5% of the loan amount according to the difference of well-known car brands and cars.
The occurrence of financial service charges is actually due to the large discount rate of vehicles. It is a common situation in the automobile field to ensure high profit of vehicles according to this cost. Therefore, if consumers are unwilling to pay financial service fees, then _ Auto 4S stores also have the right not to sell you new cars, so consumers are helpless.
Can financial services be bargained?
Yes, but it's hard to keep the price down. Because the profit of selling cars in car 4S shops is very low, shop owners usually profit from this kind of "surcharge", "service fee" and "loan interest fee", which is most of the seller's profits, and of course they are not willing to make profits at will.
This is why many car 4S stores expect consumers to use loans to buy cars. In order to better enable us to buy a car at a better price, let's talk about unnecessary expenses when buying a car.
The fees that can be waived are:
1. Registration fee: the general vehicle management office charges 130, plus the photo production 20 yuan, that is1* *150 yuan, while the car 4S shop generally charges 500- 1000 yuan, and even some high-end luxury cars will charge 2,000 yuan. Obviously, the intermediate profit is as big as it is!
2. Storage fee: Some car 4S shops will continue to charge a certain storage fee, which means that the standard fee will be charged for transferring the car out of the parking space, as well as some messy fees such as inspection fee, decoration fee and lift fee, and everyone has the right not to pay.
Write it at the end
If financial enterprises collect car surcharges and invoices, they will constantly encounter problems such as tax evasion. Therefore, when we encounter irregular auto financial service charges, we can say "no" decisively and report to relevant departments when necessary: China Banking Regulatory Commission, China Consumer Rights Complaint Hotline12378; Tax unit service hotline12366; The hotline of Consumer Research Association is 123 15.
Million car purchase subsidy