No need. When buying a car in a 4S store, some consumers even choose to buy the car in full because they are worried about these costs. Staff of Mercedes-Benz 4S store: There is a financial service fee, because financial service fees, such as all business processes and financial loans applied for, require personnel to serve you later, so this part of the fee will definitely be there.
First, car loans.
Car loan refers to the loan issued by the lender. Automobile consumption loan is a new loan method for banks to provide RMB-guaranteed loans. Automobile consumption loan is the ratio of the loan amount and the principal issued by the borrower to purchase a self-use car (non-profit family car or a business car with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Second, the loan term.
The term of automobile consumption loan is generally. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.
Third, the loan interest rate.
Benchmark interest rate: according to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.
Loan interest rate: the actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. Customers with excellent general conditions can be in%, and ordinary customers need to be in. 20 13 latest bank loan interest rate: benchmark floating 10%- 15%.
Fourth, the remaining car loan query:
1. outlet inquiry: The borrower can apply for inquiring the balance of car loan at the outlet of the business hall of the nearby loan bank with his ID card and loan contract. Take the initiative to provide your personal information, ask the staff to help print the repayment schedule within one year, and you can check the remaining amount to be repaid.
2. Log in to the online banking of the loan bank, enter the online banking app of the bank, and you can check the loan balance without leaving home. This inquiry method is the simplest. Through online banking, you can not only find the repayment information of the remaining car loan records.
3. Lenders can also call the customer service phone of the loan bank to inquire, but this method can only obtain the single information of the loan balance, and cannot know the monthly repayment situation before and after.
Operating environment: Huawei Nova45.6.0 online banking APP version model: 5.9.0.
2. Is the financial service fee for car purchase legal?
It is illegal to charge financial service fees. Dealers shall clearly indicate the prices of automobiles, accessories and other related products and the charging standards of various services in an appropriate form in the business field, and shall not increase prices or charge extra fees beyond the marked price.
3. Is it legal to buy a used car 1500 financial service fee?
It is illegal, and financial service fees are not allowed now.
4. Is the financial service fee for car purchase legal?
1. Is the financial service fee for car purchase legal? 1. The financial service fee for car purchase is illegal. According to the regulations, dealers should clearly indicate the prices of automobiles, accessories and other related products and the charging standards of various services in an appropriate form in the business field, and may not increase prices or charge extra fees beyond the indicated prices. The financial service fee for car purchase is an extra charge. 2. Legal basis: Article 10 of Measures for the Administration of Automobile Sales. Dealers shall clearly indicate the prices of automobiles, accessories and other related products and the charging standards of various services in an appropriate form at the business site, and shall not increase the price or charge additional fees beyond the marked price. Second, is the loan service fee legal? As long as the loan service fee is not illegal within a reasonable range, China's laws clearly stipulate that if the intermediary facilitates the establishment of the contract, the client shall pay the remuneration as agreed. Where an intermediary provides media services for concluding a contract, the remuneration of the intermediary shall be borne equally by both parties to the contract. If the broker facilitates the establishment of the contract according to law, the client shall pay the remuneration as agreed. If there is no agreement or unclear agreement on the remuneration of the intermediary, and it cannot be determined according to the regulations, it shall be reasonably determined according to the intermediary's labor service. Where an intermediary provides media services for concluding a contract, the remuneration of the intermediary shall be borne equally by both parties to the contract. If the intermediary facilitates the establishment of the contract, the expenses of the intermediary activities shall be borne by the intermediary.