It is understood that common car interest-free loans include the following expenses:
1, management fee. Management fees are generally calculated at a certain rate, and different lending institutions have different rates.
2. handling fee. The handling fee is similar to the management fee, and the rate is related to the loan amount;
3. Insurance premium. Insurance, loan to buy a car, compulsory insurance only compulsory insurance. However, car dealers usually require borrowers to buy designated insurance to reduce the loan risk. In some cases, insurance can "bargain".
How much is the interest-free handling fee for car loan?
How to calculate the interest-free handling fee for car purchase? For example, for a car with a total price of120,000, the down payment is 40%, that is, the maximum loan amount is 72,000 yuan. Generally, according to bank regulations, the down payment is 50,000 yuan, and the installment payment is 70,000 yuan. Repay 12 installments, with a monthly repayment of 70,000/12. 2. If you choose an interest-free car loan, the total car purchase cost is122,450 yuan. If you choose a one-year automobile consumption loan, the total cost plus loan interest is 700007.47% = 5229 yuan, and the total cost of car purchase is 125229 yuan. It is not difficult to see that interest-free loans are more affordable. Although the interest-free car loan seems to be very cost-effective, there are many application requirements. Generally speaking, when you buy a car with an interest-free loan, there will generally be a certain percentage of the car price floating, and the price of a car bought in cash and a car bought with a loan cannot be the same.
Is there a handling fee for the loan to buy a car?
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.
Is there a handling fee for buying a car with interest-free loans?
There is a handling fee. (Interest-free handling fee for car loans is inevitable)
Generally speaking, the lender is a valid personal identity document when handling the car loan process. Including resident identity cards, household registration books, etc. If the borrower is married, please provide proof of spouse identity (note: under the same conditions, married people are more likely to get loans than unmarried people). The auto loan provisions are as follows:
Application materials to be provided:
Personal valid identity document. Including resident identity cards, household registration books, etc. If the borrower is married, proof of spouse's identity shall be provided.
2. Certificate of intention to buy a car issued by the car dealer.
3. Household registration certificate or long-term residence certificate.
4. Personal income certificate, family income or property certificate when necessary.
5. If the purchased vehicle is secured by other means than mortgage, relevant materials for the guarantee shall be provided.
6. Proof of down payment for car purchase.
7. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation.
Extended data
What is an interest-free loan:
1, definition
An interest-free loan is an interest-free loan. Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
2, interest rate zero interest rate ",a loan contract reached between a bank and an individual or organization through mutual trust.
General international private commercial banks provide interest-free loans, including consumer bank loans for weddings, shopping or further studies. A handling fee of about 1% will be charged, which is the income of a bank.
At least offset the administrative expenses, and then the bank will cooperate with the request to add credit cards or wedding photography or various members or open trading accounts when the loan is interest-free. This is a wonderful way to expand customers. Some or many future trading opportunities, and even they may be rewarded for expanding their achievements in the competition.
3. The process of small secured loans has a clear division of labor among all departments. The application is accepted by the labor department, then the guarantee institution confirms the guarantee, and finally the bank applies for a loan. "If entrepreneurs want to apply, they can consult the local labor department. At present, individuals pay interest first, then financial subsidies, or financial interest subsidies in advance. The relevant plan has not yet been determined, but the financial interest subsidies are affirmative. "
The introduction of the interest-free loan fee for buying a car and the interest-free loan fee for buying a car is over. I wonder if you have found the information you need?