There are three ways to buy a car by loan, namely banks, auto financing companies and guarantee companies. Although the process of different car loan methods is different, it is more reasonable to charge interest, notarized mortgage fee and performance bond among all the expenses related to car loan. The mortgage fee is unreasonable and belongs to the overlord clause.
Interest is calculated according to the standard loan interest rate of the central bank. The notarization mortgage fee is generated because the vehicle ownership belongs to the bank before the loan is paid off, and the motor vehicle registration certificate needs to be mortgaged in the bank. The performance bond for this fee is charged according to a certain proportion of the loan amount, and there is a receipt. After the loan is paid off, the deposit will be refunded in full.
The mortgage fee is unilaterally charged by 4S shopping malls and has no legal basis. Basically, every 4S store collects it. If the car buyer questions, the general 4S shop will tell him that no matter where the car loan is made, this fee will be charged, and most ordinary consumers will not delve into its legitimacy and rationality; In serious consumers, 4S stores will take a step back and charge less or no fees. To put it bluntly, this is the overlord clause. Similarly, if you buy a car by mortgage, you should also apply for auto insurance in the store. Neither national laws nor automobile industry associations have such regulations, but 4S stores have been doing so.
Extended data:
Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car.
In fact, it is to borrow money from financial institutions to buy a car. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit record and must meet the requirements of financial institutions before they can apply for a loan to buy a car.
References:
Car loan-Baidu encyclopedia
Is the car loan fee reasonable?
1. The car loan fee is unreasonable. Let's be clear here: the money that a loan needs to give to a bank is called interest, not a handling fee. The money given to the 4S shop is called the handling fee. Cheap cars are three or four thousand, and expensive cars have no upper limit.
The handling fee charged by 2.4S stores is extra and has no legal basis.
3. But in reality, 4S stores all over the country will charge this fee, which is similar to a hidden rule. If consumers don't pay the money, in most cases, 4S stores won't sell cars to consumers.
There is no handling fee for buying a car in full, and there is no big discount for buying a car in installments. For example: buy a car in full, discount 1 10,000; Buy a car in installments, with a discount of 30 thousand. Therefore, there is no extra charge for buying a car in full.
More information about car loan fees, is it reasonable? Go to: See more.
Is the loan fee of 4s shop legal?
4s shop loan fee is legal, but it should be within a reasonable range.
The handling fee is 65438+ 0% to 3% of the loan amount. Excluding interest, 4S stores will probably charge 1% to 3% of the loan amount. If you receive 10%, it is usury.
If it is a zero-interest loan, the handling fee may be more. You and that interest share it with each other. This is basically why 4S stores charge fees for zero-interest activities. 4S stores often use handling fees to offset the interest posted by manufacturers, and 4S stores also post some interest. However, the 4S shop was unwilling to post this interest and had no money to earn, so it changed to a method called handling fee and collected it again. There are all kinds of family buckets, and the GPS you want to buy will give you a loan only after you buy a film. This is also the case. This kind of consumption may sound more troublesome than ultra-low-cost loan interest. It's tied together. Some places will charge a guarantee fee of about 4,200 yuan, and some places and regions will charge an extra sum of money called 4,200 yuan. For example, our credit is not very good, how many times we have been blacklisted or overdue before.
There are three ways to buy a car by loan: bank, auto financing company and guarantee company. In fact, banks only charge interest, so there is no handling fee. The so-called "4s shop handling fee" refers to a kind of fee derived by the owner through the loan, that is, all the expenses required for the 4S shop to go to the bank for the buyer to go through the loan-related approval procedures, as well as the expenses required for the dealer to provide services. Handling fee is usually an aspect of the profit of 4S stores, which is equal to the extra income for 4S stores or salesmen and loan officers.
The calculation method of car loan fee is as follows: the performance bond is charged at 3% of the loan amount, and if it is less than 3,000 yuan, it will be charged at 3,000 yuan. After the loan is paid off, the deposit shall be refunded in full; Notarized mortgage fee, notarized vehicle mortgage also needs to pay notarized mortgage fee of around 800 yuan, and the fee has a receipt. Please note that this part of the fee is paid when paying the installment loan; As for the credit fee, banks will consult and investigate before lending, so they will generally charge 1 of the loan amount, and the fees charged by each bank should be different.
Is the financial service fee for buying a car legal Can I complain about the service charge charged by 4s?
In the event of defending the rights of female car owners of Xi 'an Benz, which was hotly discussed in April 20 19, the collection of "financial service fee" by 4S stores was a more concerned aspect. Many car owners who went to 4S shops to apply for loans to buy cars were accepted by the staff, and some car owners wanted to know whether the financial service fee for buying cars was legal.
May be illegal.
At present, there are no clear legal provisions, standards and supervision on financial service fees, so it is difficult to define whether 4S stores are legal or not. The relevant regulations do not explicitly prohibit 4S from charging service fees, but as long as 4S stores clearly mark the price, and all charges are justified, the quality and price are consistent, service fees can still be charged.
This is also the reason why the Xi' an Mercedes-Benz incident is so big that 4S stores dare to continue selling cars without refund. After this incident, even Mercedes-Benz 4S stores in some areas have clearly marked the price and charged a 6% service fee. Consumers can choose not to pay, but 4S stores can also choose not to sell cars to you.
Can I complain about the service charge charged by S?
If the financial service fee is charged by the 4S shop and there is no clear price tag, then consumers can call the local CBRC to complain, or they can complain to the local industrial and commercial department, so that the relevant departments can coordinate to solve this problem.
But don't expect too much from the results, because merchants can mark the price in 4S stores before being investigated, claiming that you just didn't see it. At this time, even the relevant parts can't help him, but what we can do at this time is to solve it through consultation.
As long as we haven't paid the money, then everything is easy to say. Once we feel that the service charge is too high to accept, then we can directly turn around and choose the next store to buy. In the era when all stores in 4S charge financial service fees, we can only protect our best interests by doing every detail well.
@20 19