Car loan fees include: performance bond, notarized mortgage fee, credit investigation fee, installment fee, etc.
The specific calculation method is as follows:
1. Performance guarantee: 3% of the loan amount, 3,000 yuan less than 3,000 yuan, which can be refunded after the loan is paid off.
2. Notarized mortgage fee: 800 yuan.
3. Credit fee: 65438+ 0% of the loan amount.
4. Installment fee: the installment fee is required for buying a car with a credit card loan, and the total installment fee is above 12.
5. Mortgage fee: 3%.
Automobile loan process:
1, apply. After you are optimistic about the vehicle to be purchased, fill out the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.
2. The bank conducts pre-loan investigation and approval. After accepting the loan application, the bank will investigate the credit status of the borrower and guarantor. If it meets the requirements, the bank will promptly notify and fill in various forms.
3. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
4. The bank issues loans (the bank transfers money directly to the car dealer's account).
5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.