Loans to buy a car are generally repaid. In fact, the so-called service fee is the financial service fee. Almost all 4s shops buy the financial service fee of cars, but it is only a matter of more or less. Moreover, there are indeed many car owners who pay this fee for buying a car in installments. However, from the perspective of laws and regulations, in fact, financial institutions are not allowed to charge financial service fees, and there are not many services provided by car 4s shops, let alone charge this fee. abstract
Is there a service charge for buying a car?
Loans to buy a car are generally repaid. In fact, the so-called service fee is the financial service fee. Almost all 4s shops buy the financial service fee of cars, but it is only a matter of more or less. Moreover, there are indeed many car owners who pay this fee for buying a car in installments. However, from the perspective of laws and regulations, in fact, financial institutions are not allowed to charge financial service fees, and there are not many services provided by car 4s shops, let alone charge this fee. answer
Even if you buy a car with a loan, the service fee is provided by the bank, and the bank is the lender. As a service intermediary, 4S stores only cooperate with consumers to provide relevant bills to banks, and there is no legal basis for 4S stores to charge fees for car loans. Merchants who charge "service fees" are suspected of fraud and can report to the Industrial and Commercial Bureau. answer
If you buy a car through an auto financing loan in a 4S store, the 4S store needs to charge a handling fee, and you must clearly inform the consumer in advance, and you can only charge the fee after obtaining the consent of the consumer. Not saying it before buying a car, but saying it when paying, violates the principles of voluntariness, equality and fairness stipulated in the Consumer Protection Law. answer
If the handling fee is negotiated with the 4S store, the 4S store must also issue an invoice. Any behavior of charging fees in 4S stores is basically invoicing, otherwise it is illegal.
In fact, this fee is already a hidden rule, but it is called differently in different places. For example, it is called distribution fee, vehicle management fee and licensing fee. If you don't want to pay, there will be no preferential policies. Even if there is no service charge, insurance will be compulsory. answer
2. What are the financial service fees and comprehensive service fees when buying a car?
These are all arbitrary charges, so you don't have to pay them. Only people who buy cars by stages will have a comprehensive service fee, which can be understood as the service fee of 4S shop. 1. No matter whether you buy a car in full or in installments, the 4S shop has no right to charge any service fee to the owner's friends.
2. When 4S stores threaten to charge service fees, they can report to the Industrial and Commercial Bureau in order to protect their legitimate rights and interests.
How much is the financial service fee for buying a car?
Generally, the financial service fee for car purchase will be charged only when you apply for a loan to buy a car. In the early days, the financial service fee for car purchase was the loan deposit paid by the borrower to the 4S shop. As long as the borrower can repay the loan amount on time, the money can be repaid when the loan is settled. Now the financial service fee for buying a car is the fee charged by the 4s shop when the borrower wants to enjoy a lower loan interest rate.
4. What is the financial service fee for car loan?
Is it a loan service fee? If there is, the general loan will involve this fee.