Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. Whether it is necessary to charge a handling fee for a car loan depends on the bank's product policy, and the handling fee for formal loan channels is strictly regulated. It won't cause too much pressure. Car loan process: 1. The customer chooses a car at the bank's special dealer and signs a car purchase agreement or contract; 2. The borrower applies to the loan bank for personal automobile mortgage; 3. Sign the contract with the consent of the investigation; 4. Go through the formalities of notarization and mortgage of automobiles; 5. Lenders (banks) handle loans; 6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer. Under normal circumstances, the loan to buy a car is subject to a handling fee, which is mainly divided into performance guarantee. Usually, it is determined according to the loan amount, and 3% of the loan amount is charged, but it will be returned after the loan is settled normally. There is also a notarized mortgage fee in 800 yuan, and a credit investigation fee of 65438+ 0% of the loan amount. If you are a small partner who buys a car by installment credit card, you need to pay different percentage of handling fees according to the bank's requirements for this kind of loan. In addition, there is a mortgage fee of 3% of the loan amount, which is generally clearly stipulated in the loan contract. It should be noted that if you choose an interest-free loan or a zero down payment loan to buy a car, you must carefully check the provisions on relevant handling fees in the contract. Some 4s stores will charge a particularly high handling fee for this special loan car purchase method, which is similar to the interest of normal loans.
Now many 4s stores have their own cooperative financial institutions, many of which are private financial institutions, so the specific car loan fees, including interest charges, may be different from those you consulted in the bank. After all, compared with banks, the fees charged by such private institutions are slightly higher. And there may be some other tricks to buy a car now, especially for the small partners who choose to borrow money to buy a car. When signing a contract, they must carefully check the terms. Once the contract is signed successfully, it is not so simple to break it. Moreover, some information such as the car purchase discount that I talked with the sales staff before must be clearly stated in the contract. After all, there is no evidence.