3000 yuan for a mortgage car is normal.
If the owner has any questions when buying a car, he can go to several 4S stores for comparison. Of course, the owner can also negotiate the fee with the 4S shop. General loan fees are mainly collected by financial institutions or banks entrusted by 4S. Of course, 4S shopping malls may falsely report the bid fee, which is also a helpless move. As long as the installment payment business is handled, this fee will basically be charged, which generally varies in quantity; The higher the car price, the higher the handling fee.
At the same time, the loan fees will vary according to different financial institutions or banks, some of which are charged and some are not, so you can consult them specifically; In addition, when handling a loan mortgage car, there is usually a GPS fee, which is also an expensive fee; Actually, I suggest you buy a car in full.
The conditions for buying a car with a mortgage loan mainly include the following:
1. 18 years old or above, with full capacity for civil conduct;
2. Have a stable and legal source of economic income and the ability to repay the loan principal and interest on schedule;
3. Personal credit is good, and there is no bad credit record or serious negative information in the credit report.
Can I not pay the car service fee of 3000?
You don't have to pay 3000 car service fee.
Whether buying a car in full or in installments, the 4S shop has no right to charge the owner any service fee. If the 4S store asks for a service fee, you can report it to the Industrial and Commercial Bureau to safeguard your legitimate rights and interests. When buying a car, you should read the contract clearly. If there is no service charge, the other party may refuse to ask for the service charge.
You need to pay compulsory insurance every year after buying a car. The full name of compulsory traffic insurance is "compulsory liability insurance for motor vehicle traffic accidents", which is a kind of compulsory liability insurance that the insurance company compensates the victims (excluding the people on board and the insured) for personal injuries and property losses caused by road traffic accidents of insured motor vehicles within the limit of liability.
Commercial insurance such as third-party liability insurance and shipboard personnel liability insurance can be purchased according to the owner's own needs and economic conditions. You can consult relevant insurance companies and choose the insurance you need without listening to the introduction of insurance company staff.
legal ground
Regulations on compulsory liability insurance for motor vehicle traffic accidents
Article 4 the State Council insurance supervision and management institutions shall supervise and manage the compulsory insurance business of motor vehicle traffic accident liability of insurance companies according to law.
The traffic administrative department of the public security organ and the competent department of agriculture (agricultural machinery) (hereinafter referred to as the motor vehicle administrative department) shall supervise and inspect the participation of motor vehicles in compulsory liability insurance for motor vehicle traffic accidents. Motor vehicles that have not participated in compulsory motor vehicle traffic accident liability insurance shall not be registered by the motor vehicle management department, and shall not be inspected by the motor vehicle safety technical inspection agency.
The traffic administrative department of the public security organ and its traffic police shall, when investigating and handling road traffic safety violations and road traffic accidents, check the insurance signs of compulsory motor vehicle traffic accident liability insurance according to law. Article 2 The owner or manager of a motor vehicle driving on the road in People's Republic of China (PRC) shall handle compulsory motor vehicle traffic accident liability insurance in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.
These Regulations shall apply to the insurance, compensation, supervision and management of compulsory motor vehicle traffic accident liability insurance.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
When I bought a car with a loan from a 4s shop, I received a deposit of 3,000 yuan. Can I pay back the car loan after I change it?
1. If you buy a car with a loan, there will usually be a service charge, which is normal. So the service charge of 3000 yuan is not too much. If you buy a car in full, there is no financial service fee, but a refund is impossible.
2. If you buy a car with a loan, there will usually be a financial service fee, so it is basically 3000 yuan now. In your case, if you don't want to buy a car and need a refund, this is ok.
3. The procedure of installment payment mode is rather troublesome. The financial service fee of 3000 yuan is equivalent to the handling fee and cannot be returned after the installment payment is completed.
4. Give it a try.
5. It should be possible.
Is it normal to charge 3000 yuan for buying a car by mortgage?
It's normal to charge 3000 for a mortgage car.
There is a service charge of 3000 yuan for buying a car, mainly for mortgage service. Generally speaking, 4S stores will charge thousands to tens of thousands. Because this fee is not clearly defined, the service fee will be different between different cities or different vehicle brands.
In addition, if the user's qualification is average and he can't apply for a bank loan, then the manufacturer's finance can be considered. In this process, we should also pay attention to whether there will be extra charges. Under normal circumstances, we only need to pay interest.
Matters needing attention in buying a car by mortgage
Now some car dealers take advantage of consumers' lack of legal knowledge to deceive consumers into signing blank contracts. However, after the completion of consumer loan procedures, when consumers saw the credit contract, they found that the loan amount was different from the previously promised price.
At present, some dealers have introduced interest-free car loans to attract customers. The actual discount may not be as affordable as expected, because they will charge a certain handling fee while being interest-free. The cost of this procedure may be similar to the interest. When buying a car, you should carefully identify the actual situation.
What is the loan fee for buying a car?
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. Next, according to experience, if you use a car with a loan of about 654.38+10,000 yuan, the handling fee is about 300-5,000 yuan, and if you use a car with a loan of 20.3 million yuan, the loan amount is also more than 1.5 million yuan, generally speaking, it is about 60-8,000 yuan (the above is the average level, which fluctuates according to 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 3000 car loan fee and car loan fee. I wonder if you found the information you need from it?