Generally speaking, the loan to buy a car needs to go through the formalities of vehicle mortgage and insurance, so the handling fees included in the loan to buy a car mainly include compulsory insurance, vehicle and vessel use tax, commercial insurance and license fee. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often ask car buyers to buy them. Of course, what is the standard for buying a car with a fine loan? This is determined by many factors, such as the way, region and model of car loan. At present, it is reported that the handling fee for bank auto loans is 3%, which is generally around 6,543,800 yuan, while the handling fee for auto financing institutions and 4S shops with convenient approval may be relatively high. However, not all 4S stores will charge a handling fee when handling car loans. The so-called handling fee refers to a kind of fee generated by the owner through the loan, that is, the 4S shop handles the relevant examination and approval procedures for the buyer's loan on the loan platform such as the bank, and all the expenses required in the process. In addition, there is no detailed standard for handling fees. Sometimes it's just verbal. We can negotiate. Generally, it is the personal behavior of the merchant. In addition, when handling the car loan, the merchant must first inform the details of the charging items and the approximate total cost, and then obtain the consent of the customer before charging. It is not allowed to tell customers the handling fee at will. Is there a service charge for the loan to buy a car? How to calculate the discount for buying a car? Loan to buy a car requires a handling fee, but how to buy a car is the most favorable, and the down payment ratio of auto financing companies is low. The minimum down payment required by ordinary auto financing companies is 20% of the car price, and the longest loan period is 5 years. There is no need to pay the mortgage fee, and consumers only need to handle all the business such as one-stop car purchase, loan and insurance in the authorized sales store of the manufacturer. Auto financing companies provide customers with three repayment methods: average principal, equal principal and interest, and intelligent repayment. Among them, intelligent repayment is a brand-new repayment method. Take the brand-new Sail of 68,800 yuan as an example, with a down payment of 25,800 yuan and a loan of 3 years. If the repayment method of equal principal and interest is adopted, the average monthly repayment amount is about 1300 yuan. If you choose smart repayment of only 985 yuan per month, the repayment amount in the last month is the largest, exceeding 6,543,800 yuan+0.4 million yuan. Auto financing companies have more relaxed requirements on loan ratio. Therefore, when you apply for a loan to buy a car through a non-bank loan platform, you must ask clearly what procedures are needed to apply for a loan to buy a car, and what related fees need to be charged, so as not to bear too many extra expenses.
2. How long does it take to borrow 60,000 yuan from ICBC to buy a car? If it is 1 year, how much will it cost each month?
Find someone from ICBC to do it.
Third, is it fair to pay a handling fee and an information fee for a car loan?
It is normal to pay the handling fee for car loans, and it is unfair to collect information fees.
4. How much is the car loan information fee?
There is no consulting fee for buying a car by loan, only the loan service fee 1000-5000, the gps fee for buying a car in 4s is free, and the gps fee for buying a car by auto trade 1000-2500.