There is no service charge for buying a car with a loan. Because the loan to buy a car is only an additional service provided by the seller to facilitate the transaction, the loan itself will generate certain interest, so there is no need to pay additional service fees for borrowing a car from the bank. Generally speaking, car shops can directly act as guarantors to guarantee loans to banks for buyers without charging any service fees. However, some private car shops are not qualified for guarantee, and these car shops need to find a third party to guarantee, so the service fee is generated. However, if consumers need to buy or use commodities or receive services for their daily consumption, their rights and interests shall be protected by this law; Matters not specified in this Law shall be protected by other relevant laws and regulations.
legal ground
Law of People's Republic of China (PRC) on the Protection of Consumers' Rights and Interests Article 4 When dealing with consumers, business operators shall follow the principles of voluntariness, equality, fairness, honesty and credibility.
How much is the service charge for the mortgage car?
The service fee for mortgage car purchase is as follows: 1. Service charge. If you buy a car with a loan, it is actually a car mortgage, and a loan to buy a car requires a certain handling fee, so many 4S stores are just a gimmick. The general handling fee is charged according to the amount of your loan; 2. If the loan is 6,543,800 yuan, it will be paid off in three years, and the handling fee is more than 5,000 yuan, and the service fee is about 654.38+ 0,000-654.38+0, 500 yuan. Different loan companies offer different prices. In fact, in this way, there is still interest, but the charging method is different. 3, auto insurance, this auto insurance must be bought, that is to say, as long as you have a loan, you must buy it in this 4S shop, and the cost is more expensive than buying it outside; 4. Margin, which is mainly to prevent customers from not buying insurance in 4S stores. Generally need 1000-2000 yuan. It is said that it will be retired, but it happens from time to time.
Automobile loan service fee
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. According to experience, if a car model with a loan of 654.38+10,000 yuan is about 60,000 yuan, the handling fee will be about 300-5,000 yuan, and if a car model with a loan of 20.3 million yuan, the loan amount will be more than 1.5 million yuan, generally speaking, it will be about 6000-8,000 yuan (the above is the average level, depending on 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.
This concludes the introduction of car borrowing service fee and car borrowing service fee. I wonder if you found the information you need from it?