You bought it on the platform, right? If there is an assessment fee, transfer fees will also charge it.
2. Is there a handling fee besides interest for second-hand car mortgage?
Used car mortgage, banks have to charge mortgage fees.
Used car mortgage process:
First, the dealer consults about the loan.
When choosing your favorite car, you need to consult the car dealer first to determine the model and the total amount of car purchase. In this way, whether from the price, performance or after-sales service after buying a car, we will have a detailed understanding of the selected models, and let us have a bottom through communication with car sales personnel.
Second, review the loan to buy a car information
Then, it is necessary to hand over the information of applying for a loan to buy a car to the dealer for preliminary examination, including filling in the application form and contract of automobile consumption loan and other bank loan information, providing credit certificates such as ID card, household registration book, income certificate, real estate license and marriage certificate of the borrower and spouse, and signing the loan contract and related documents by the borrower and spouse. This is to let banks, insurance companies and car dealers have an understanding of your situation. As long as the situation meets the loan conditions, you can successfully handle the loan business.
Third, pay the down payment and sign a car purchase contract.
Pay the corresponding down payment according to the model you choose, generally 20% of the total car payment (some dealers will have zero down payment models). After that, it signed a car purchase contract with the dealer, and the insurance company handled the corresponding auto insurance.
Four. Bank acceptance and review
The dealer submits the customer information and the car purchase contract to the bank, and the bank conducts pre-loan investigation. When all this is done, the bank will confirm the loan.
Verb (abbreviation for verb) The dealer delivers the vehicle.
After the bank lends money to the car dealer, the car dealer will go through the intermediate procedures such as vehicle entering the factory, licensing and vehicle insurance, and deliver the car to the buyer at the agreed time. At this point, the whole process of buying a car with consumer loans is completed.
3. Is there any charge after the used car is paid off in installments?
Schedule of used car installment expenses (charging standards vary from place to place, for reference only)
1. Performance fee: generally 3% of the loan amount; If it is less than 3,000 yuan, it will be charged at 3,000 yuan, and the deposit will be fully refunded after the loan is paid off.
2. Fair mortgage fee: Pay around 800 yuan when handling the vehicle mortgage, and a receipt will be issued.
3. Consultation and investigation fee: 65,438+0% loan amount fee will be charged for the consultation and investigation conducted by the bank.
4. Installment fee: If you buy a car with a bank credit card loan, the total installment fee of 12 is generally above 10%.
5. Mortgage fee: 3% mortgage fee is generally charged.
6. Registration fee: registration fee for vehicle management office 130 yuan, photo production fee for 20 yuan 150 yuan.
7. Insurance premium: Take compulsory insurance as an example. The premium for private cars is about 950 yuan, the enterprise non-operating vehicle 1 000 yuan, the government non-operating vehicle 950 yuan, operating lease 1, 800 yuan.
4. Is there a handling fee besides interest for second-hand car mortgage?
Of course, no one needs a loan for you. Generally, 200 is the profit point of used car dealers.