Full car purchase fee.
The cost of buying a car in full is relatively simple. In addition to the car payment, there are also car insurance, purchase tax and household fees. Of course, there are still many articles and traps in buying a car in full.
First of all, I believe many people will encounter 4S stores to charge extra fees in order to increase sales, especially some popular models, increase car prices and increase car accessories. This part of the fare increase is basically collected privately by dealers, and the salesman has a task and a share.
The general vehicle insurance premium will be purchased in the store by the 4S shop. In addition to normal discounts, 4S stores will sign internal cooperation agreements with insurance companies. According to different cooperation contents, the insurance company will refund the premium to the 4S shop. Therefore, most of the premiums we pay will flow into the pockets of 4S stores and insurance companies. Of course, we also have insurance coverage for vehicles.
The purchase tax is levied by the national tax department, but the 4S shop still has room for operation, especially in the issue of automobile invoices, and it is also learned. There is room for fluctuation between the invoice car price issued by the 4S shop and the car price charged by the tax department, so this is also a small note.
The entrance fee, the real fee charged by the vehicle management office, whether imported or made in China, does not exceed that of 200 yuan. I personally handle the whole process, the vehicle management office charges 130 yuan, and the license plate postal courier fee 20 yuan, totaling 150 yuan; You can enter the house by car normally. And at present, the vehicle entrance process of the vehicle management office is quite simple, fast and convenient, and individuals can handle the whole process without agency; At present, the agency fees of many 4S shops are quite high, basically starting at more than 500, and the highest is several thousand, although there are hard work fees and lost time fees.
Generally speaking, if you buy a car in full, many expenses are relatively fixed, and the above expenses can be handled by yourself, which can really save a lot of expenses.
Loan car purchase fee.
There are quite a few charging items for car loans. In addition to the above-mentioned full car purchase fee, there are also major charging items such as loan financial service fee, vehicle mortgage fee, GPS positioning fee and insurance deposit. The financial service fee is the loan fee, which is completely charged by the 4S store. In the recent dispute between the most popular Xi 'an Mercedes-Benz store and the hostess, this fee is also one of the important disputes in the incident. This service charge is generally charged according to a few percent of the loan amount, ranging from thousands to tens of thousands.
Vehicle mortgage fee, we do car loans, generally need to do automobile mortgage, that is, mortgage the car you bought to the bank, and the bank will lend it to you; The mortgage fee is not fixed, but it is popular in the automobile industry, and it is also charged to 4S stores according to the percentage of the loan amount, at least 1%. For example, the loan1000,000, then the mortgage fee is1000; This mortgage procedure is to go to the vehicle management office. I remember as long as 70 yuan.
GPS positioning fees, car loans, some need to install a GPS locator in your car, that is, you can always know the location of your car. Once you can't repay the loan, even if you can't find where you are, you can at least know where your car is. This costs thousands of dollars, and its cost is only a few hundred dollars.
And the insurance deposit. Generally, when we apply for a car loan, we will do it in stages for two years or more, and 4S stores are also mandatory to buy insurance in the store. In order to prevent you from going to the store to renew your insurance in the second year and the third year, we will ask you to give this insurance deposit to the 4S store first, usually 2000-3000 yuan, and then return it to you after you pay off your car loan.
The above fees are basically the fees that must be charged for car loans. Of course, there may be other expenses that are not mentioned. However, it can be said that most of these expenses are paid to the automobile 4S shop, and the payment is dozens of dollars charged by the unified regulations of the state.
To sum up, some of the expenses involved in buying a car mentioned above are collected by the state, and some are collected by automobile 4S shops in various names. After all, as an enterprise, there must be corresponding profits, and the salesman must complete the task and get the corresponding commission, which is understandable. But this should be based on honest management, rationality and legality, and clearly marked. Let consumers clearly understand consumption and buy a car happily, which is the foundation of the enterprise. The above views are only personal. Welcome everyone to communicate, share and learn together. Thank you!