Is it normal to charge 3000 yuan for buying a car by mortgage?

It is normal to charge a handling fee of 3000 for buying a car by mortgage. Buying a car by mortgage, that is, buying a car by stages, 4S shops or dealers will charge a certain handling fee. However, the specific amount of this handling fee is not fixed, and there is no relevant clause to stipulate the amount of this handling fee. Belongs to the cost of a service, also known as financial service fee, loan service fee, etc.

The purpose of 4s shop is to make a profit, and it will not introduce you to the loan structure and bank for nothing. It is still necessary to charge a certain benefit fee/service fee, but if the financial service fee is unreasonable or other fees are charged without notice, consumers can complain to the industrial and commercial departments or consumer associations to safeguard their legitimate rights and interests.

Pay attention to buying a car by mortgage

1. When filling in the mortgage loan application form, be sure to fill in all the options on the form completely, and check that the information filled in is correct before submitting it to the loan handling bank or auto financing company, so as not to affect the approval of the car loan because of the wrong or imperfect information on the form.

2. Read the terms carefully when signing the contract, and be sure to find out the loan amount, term, interest, handling fee and deposit, so as to avoid unnecessary disputes in the future. For example, the mortgage car loan can reach a few percent of the car purchase price; If you offer an interest-free car purchase discount, whether it is only interest-free will inevitably lead to a handling fee; Whether the loan repayment deposit is refunded; Whether to go to the designated insurance company to buy auto insurance and so on.