There is a handling fee. (Interest-free handling fee for car loans is inevitable)
Generally speaking, the lender is a valid personal identity document when handling the car loan process. Including resident identity cards, household registration books, etc. If the borrower is married, please provide proof of spouse identity (note: under the same conditions, married people are more likely to get loans than unmarried people). The auto loan provisions are as follows:
Application materials to be provided:
Personal valid identity document. Including resident identity cards, household registration books, etc. If the borrower is married, proof of spouse's identity shall be provided.
2. Certificate of intention to buy a car issued by the car dealer.
3. Household registration certificate or long-term residence certificate.
4. Personal income certificate, and provide family income or property certificate when necessary.
5. If the purchased vehicle is secured by other means other than mortgage, relevant materials for the guarantee shall be provided.
6. Proof of down payment for car purchase.
7. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation.
Extended data
What is an interest-free loan:
1, definition
An interest-free loan is an interest-free loan. Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
2, interest rate zero interest rate ",a loan contract reached between a bank and an individual or organization through mutual trust.
General international private commercial banks provide interest-free loans, including consumer bank loans for weddings, shopping or further studies. A handling fee of about 1% will be charged, which is the income of a bank.
At least offset the administrative expenses, and then the bank will cooperate with the request to add credit cards or wedding photography or various members or open trading accounts when the loan is interest-free. This is a wonderful way to expand customers. Some or many future trading opportunities, and even they may be rewarded for expanding their achievements in the competition.
3. The process of small secured loans has a clear division of labor among all departments. The application is accepted by the labor department, then the guarantee institution confirms the guarantee, and finally the bank applies for a loan. "If entrepreneurs want to apply, they can consult the local labor department. At present, individuals pay interest first, then financial subsidies, or financial interest subsidies in advance. The relevant plan has not yet been determined, but the financial interest subsidies are affirmative. "
Is there a handling fee for the loan to buy 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. According to experience, if a car model with a loan of 654.38+10,000 yuan is about 60,000 yuan, the handling fee will be about 300-5,000 yuan, and if a car model with a loan of 20.3 million yuan, the loan amount will be more than 1.5 million yuan, generally speaking, it will be about 6000-8,000 yuan (the above is the average level, depending on 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.
There is a handling fee for buying a car without interest, so how to calculate the interest?
At present, many auto financing companies have launched interest-free car loans, but the regulations on handling fees are different, some need to be charged, and some don't. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it. The handling fee of car loan is generally between 4% and 7% of the total car payment, and the handling fee is paid at the same time as the first month payment. If the handling fee is too high, consider other types of car loans.
2. Need to know the loan to buy a car. 2. Read the relevant insurance clauses carefully before applying for a car loan.
Handling a bank loan to buy a car is to mortgage the car to the bank before the bank loan is paid off. In order to reduce the risk, banks generally require to buy some auto insurance as a loan condition in the car loan contract. The premium of these insurances may not fully meet your requirements, and may even be too high. Therefore, when applying for a car loan, you must carefully read the relevant insurance clauses and measure the cost of this car insurance.
3, the loan to buy a car needs to know three: there are restrictions on buying a car with zero interest rate loans.
Many car manufacturers will cooperate with car loan agencies to launch zero-interest loans to buy cars, usually middle and high-end cars. However, if you buy a car with a zero-interest loan, you can't enjoy the cash discount of the car type, and sometimes the amount of these cash discounts is quite large. Therefore, if you want to apply for a zero-interest loan to buy a car, you need to comprehensively measure whether the total price of the car loan is acceptable.
4. Need to know the loan to buy a car. 4. Consider floating car loans and loan interest rates.
Generally, when interest-free loans are used, the total car price will increase to a certain extent, because the price of 4S shops is slightly different for customers who buy cars in cash and loans. In this case, it is necessary to calculate whether the floating amount of the loan to buy a car exceeds the total amount of personal credit and cash to buy a car. If it exceeds, you may wish to apply for a personal credit loan. If not, you can apply for an interest-free loan.
How much is the handling fee for interest-free loan for car purchase?
How to calculate the interest-free handling fee for car purchase? Take a car with a total price of 6.5438+0.2 million as an example. A down payment of 40% means that the maximum loan amount is 72,000 yuan. Generally, according to bank regulations, the down payment is 50,000 yuan, and the total installment amount is 70,000 yuan. According to 12, the monthly repayment is 70,000 yuan/12 = 5,833 yuan, and the handling fee is 700,003.5% = 2,450 yuan.
If the car loan is interest-free, the total cost of car purchase is 122450 yuan. If you choose a one-year automobile consumption loan, the total cost plus loan interest is 700007.47%=5229 yuan, then the total cost of buying a car is 125229 yuan. It is not difficult to see that it is more affordable to buy a car with an interest-free loan.
Although interest-free car loans seem to be very cost-effective, there are many requirements for application. Generally speaking, if you buy a car with an interest-free loan, the price of the car will always rise to a certain extent, and the price of a cash car and a loan car cannot be the same.
In addition, in order to reduce the risk, banks generally require you to buy some auto insurance as a loan condition in the car loan contract. Some insurances may be of little use in future vehicle use, but they must be bought before they can be handled.
Loan to buy a car, saying that it will be interest-free for two years, is there a handling fee?
To be clear, wool is on sheep. Banks and auto finance won't let you take their money for nothing. Various disguised charges, interest concessions will be made up in other charges.
What is the handling fee of 50 thousand yuan for interest-free loans mentioned by 4S shops?
Buying a car in a 4S shop in the store has the obligation to help customers with car loans, so it is illegal for 4S to collect loan fees at present, and it is impossible to provide you with formal consumption invoices, usually issuing receipts; In fact, 4S stores can't help you. If you go through the bank, you still need to run by yourself. The store only prepares the information to the bank for face-to-face signing, and finally lends money. It is also very simple to go through the financial company in the store. Besides, the finance company has an interest relationship with the car dealership, so it can be said that it is their job responsibility to handle the handling fee exemption. But car dealers are so cheat people, so this price can be discussed in many cases, just like sales. If you don't mind, don't care; At present, the charge is generally between 1000 ~ 2000, and high-end cars may be charged in proportion to the loan amount; Buying a car is inevitable, how many problems, good luck!
Are there any restrictions on buying a car with an interest-free loan?
How much is the handling fee for buying an interest-free loan? It is more favorable to buy a car with an interest-free loan.
Everyone is familiar with car loans, but after CCB bought a car with zero down payment and interest-free loans, everyone began to get impatient. Many friends want to apply, because it is more comfortable to buy a car without interest pressure, but interest-free loans also require car loan fees. So how much is the handling fee for CCB to buy a car with an interest-free loan? What are the modes for CCB to buy interest-free loans?
I. Conditions for CCB to buy a car with an interest-free loan
1, a natural person with full capacity for civil conduct
2. Have a local permanent residence or valid residence status and a fixed detailed address.
3. Have a proper occupation and a stable and reliable source of income.
4. Holding the agreement or contract signed with the dealer designated by the lender for the purchase of designated brand cars.
5. To provide mortgage or pledge with the property recognized by the lender, the guarantor shall be an individual or unit recognized by the lender with compensatory ability and joint liability.
6. If the buyer is a husband and wife or a family member, they must apply together.
Two, CCB car interest-free loan model
Hyundai Honda, Dongfeng Honda, Da Yue Kia, Geely, FAW Mazda and FAW-Volkswagen Audi.
3. What is the handling fee for the interest-free loan of CCB?
The handling fee for CCB's interest-free loan to buy a car is based on a car with a total price of10.2 million, and the down payment is 40%, that is, the maximum loan amount is 72,000 yuan. Generally, according to bank regulations, the down payment is 50,000 yuan, and the total installment amount is 70,000 yuan. According to 12 installment payment, the monthly repayment is 70,000 yuan/12 = 5,833 yuan, and the handling fee is 70,000 yuan. If the car loan is interest-free, the total cost of car purchase is 122450 yuan.
If you choose a one-year automobile consumption loan, the total cost is 70,000 yuan plus loan interest, then the total cost of buying a car is125,229 yuan. It is not difficult to see that it is more affordable to buy a car with an interest-free loan.
The above is an introduction to the handling fee of interest-free loan for car purchase. I hope I can help you.
This is the end of the introduction on how to calculate the car interest-free loan fee and the car interest-free loan fee. I wonder if you found the information you need from it?