Second, insurance premium and decoration fee: if you buy a car now, you pay the current premium in the 4s shop, and it is fully insured, so it is much more expensive than outside. In fact, insurance mainly buys four major risks: compulsory insurance, third party liability insurance, car damage insurance and deductible insurance. Some 4s stores will charge a renewal deposit in the second and third years, so that you can continue to renew your insurance in the store in the second and third years. It is recommended not to hand it in here. It will be much cheaper to buy it directly from the insurance company in the second year. Just install a reversing image, floor mats, trunk mat, car film and the like for your car, and charge you several thousand yuan for decorating hundreds of things in the shop. Here, I suggest you pack as little as possible. It's very cheap to go out and pack.
Third, the mortgage fee/financial service fee and GPS installation fee: In fact, financial institutions or banks generally don't charge this money, but 4s stores charge you for loan procedures, which generally does not exceed 3% of the loan amount. If the money is necessary, it shall not exceed 3% of the loan amount at most. This thing costs several hundred yuan, and the installation is very simple. And now most formal loans don't need to be installed. Its main purpose is to prevent you from driving away. If you can't find a car, you won't get the money. Formal loans are for checking credit information and generally do not involve this issue. If you want to pay, the maximum is 1-2000 yuan.
4.PDI inspection fee/delivery fee and comprehensive/consulting service fee: This is the fee for activating many basic functions of your car and checking the whole car. In fact, manufacturers have long required to provide the above services when handing over new cars, and there is no such fee at all. In fact, introducing car models to you, test drive and contract negotiation are all sales costs. Do I have to pay for buying a house and consulting the other party? Obviously not, money can also be saved.
5. Licensing fee and loan interest: that is, the fee for the 4s shop to license your vehicle usually ranges from 65,438+0,000-2,000 yuan. In fact, 120 yuan will be able to get the card himself in an hour, and there are many scalpers at the entrance of the vehicle management office, so 300-500 is enough. It is equal to the total loan price (naked car price) MINUS the total loan price and divided by the number of months of loan, which is your loan interest. The interest rate of each financial institution is different. You should tell the sales that you want a loan product with the lowest interest rate or interest-free, otherwise the sales will definitely recommend the highest rebate to you.