Refers to the loan applied for when buying a new car or a used car, which is used to pay the related extra expenses incurred when buying a car. Its purposes include purchase tax, vehicle insurance, vehicle decoration, etc. No mortgage or pledge guarantee is required.
Compared with buying a car in full, the loan for buying a car is mainly an extra loan fee (some may be called service fee). The loan fee for buying a car is as follows:
1. car purchase, bank loan car purchase down payment of more than 20%, generally 4s shop or
Car loan institutions pay more than 30% down payment.
2. Purchase tax, 654.38+ million.
Yuan car, the standard purchase fee is 8540 yuan, and the invoice price is 1. 17 after removal.
After the value-added tax of business tax, the purchase tax is multiplied by 10%.
3. Insurance, you need to choose insurance according to the actual situation, cars with less than 6 seats.
The first year of compulsory insurance in 950 yuan, the insurance cost depends on the model. Please consult the insurance company for details.
4. Handling fee/service fee. Some car loan institutions need to charge fees for loans, while bank loans do not.
5. Other licensing fees are generally charged around 350 yuan in 4s stores.
Some people say never borrow money to buy a car, mainly because some informal institutions may have routines and traps. Cases of car loans being cheated have been reported before, such as concealing expenses without invoicing, some with high interest/handling fees, and some with bundled sales (decoration, film pasting, gps, interior decoration, etc.). Of course, if you encounter unreasonable charges, you can complain to the industrial and commercial department or the consumer association.
Some people find that they can't afford to buy a car after a year. Mainly in addition to paying back the car loan every month, there are also insurance, maintenance, annual inspection, illegal punishment and so on. , which eventually led to overdue entry into the credit information system. In serious cases, the defendant will go to court and have the right to tow the car for auction to pay off debts.
Take the three-year interest rate of 654.38+ ten thousand car loans as an example. If you borrow 6,543,800 yuan from the bank, and then buy a car in a 4s shop in full, and choose to pay it off in three years (36 installments), and the annual interest rate for approval is 5.5%, then the total interest rate of car loan for three years is: 100000 x 5.5% x3 = 65438+. Of course, bank car loans require a down payment of more than 20%, and other institutions generally charge a down payment of 30%. In case of zero down payment, zero interest and so on. Manufacturers and dealers often pay the down payment first, and then the owner still has to pay it back slowly. Because the calculation of car loan involves many factors, the owner needs to calculate it accurately according to his own situation.
Some friends are more concerned about how long it will take to get the green paper after paying off the car loan. In fact, after paying off the car loan, you need to go to the bank or auto financing company that originally handled the car loan to handle the loan business. After successful handling, you can get back the motor vehicle registration certificate (Green Paper). Of course, the car mainly goes to the vehicle management office with the green paper and driver's license to understand the mortgage procedures, and then transfers the ownership.
What are the fees for car loan?
Some expenses involved in the process of buying a car:
(1) car loan down payment. Generally speaking, the down payment is generally 40% of the car price. Of course, there are also eligible borrowers, such as high-income customers of institutions or large companies, which can be appropriately relaxed to 30%.
(2) The insurance premium for new cars needs to be paid by the state compulsory insurance, and all car buyers need to pay it. The other part is the cost of commercial auto insurance, such as car damage insurance, three-way insurance, vehicle personnel liability insurance and so on. Among the commercial auto insurance costs, there are many types of insurance involved, and the auto insurance costs are directly related to the car price of the car buyers, and the types of insurance in different regions may be slightly different.
(3) The notarization mortgage fee is mainly notarization fee and mortgage fee. In general, the notarized mortgage fee for vehicles is about 1000 yuan.
(4) License fee. Literally, the license fee is the cost of handling a car license. It is understood that the licensing fee for new cars mainly includes the fees paid for online inspection of new cars, the fees for taking photos of rubbings and the fees for new car license plates. Settle in 300 yuan or so, and the charges in different regions may be slightly different.
(5) The performance bond simply means that the guarantee paid at the time of loan is close. After the borrower completes the mortgage loan, the deposit will be refunded in full, and 3,000 yuan will be charged for vehicles under 300,000 yuan.
(6) The credit fee is generally charged at 1% of the borrower's loan amount, and there will be some differences in different charging standards in different regions.
information needed
1: personal loan application;
2. Personal valid identity documents. Including resident identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;
3. Household registration certificate or long-term residence certificate;
4. Personal income certificate, family income or property certificate when necessary;
5. Certificate of intention to buy a car issued by the car dealer;
6: Loan to buy a car down payment certificate;
7: If the purchased vehicle is secured by other means than mortgage, relevant materials for the guarantee shall be provided, including pledge certificate, ownership certificate and evaluation certificate of mortgaged real estate, and letter of intent for third party guarantee, etc. ;
8. 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, such as the affiliation agreement and lease agreement between the vehicle and the transport fleet;
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by China Construction Bank; Vehicle seller's vehicle ownership certificate, motor vehicle registration certificate of trading vehicle, vehicle annual inspection certificate, etc.
How much is the surcharge for Ping An nb used car loan?
Value-added service of vehicle management. Ping An nb used car loan surcharge is a value-added service of vehicle management. Car loan surcharge refers to other expenses except the main expenses such as down payment, loan fee, loan interest and loan handling fee, which is called car loan surcharge.
How to recover the used car surcharge? Are there surcharges for all car loans?
Now people's living standards are getting better and better, and people's desire to buy a car is getting stronger and stronger. It is not difficult for modern people to buy a car. You can apply for a car loan if you save enough down payment. A friend asked, how to recover the used car surcharge? Are there surcharges for all car loans?
How to recover the used car surcharge?
Under normal circumstances, users need to pay the down payment or down payment for used cars, and do not need to pay the purchase surcharge. If financial institutions require users to pay surcharges when buying used cars, users can choose to keep the contract and then sue auto financing institutions.
If the second-hand car purchased by the user has not been licensed as a new car, then it is necessary to pay the car purchase fee (i.e. surcharge), and the surcharge paid at this time cannot be recovered. In the case of handling second-hand car loans, users generally need to pay transfer fees, licensing fees, car purchase service fees and other fees.
Are there surcharges for all car loans?
That was not the case. Generally speaking, the surcharge refers to the purchase surcharge (purchase surcharge). According to the state regulations, in order to speed up highway construction and reverse the tense situation of transportation, all units, individuals, state organs and military units that purchase vehicles will be charged with vehicle purchase surcharges.
There will be a surcharge for buying a new car and applying for a car loan. Most of them appear in 4S stores, auto financing institutions and other places. Generally speaking, the purchase tax is also collected by the vehicle management office, depending on the total price of the car body purchased by the user.
Generally speaking, the vehicle surcharge is generally unrecoverable, and not all car loans have surcharges. The above is the related content sharing of "How to recover the used car surcharge", I hope it will help everyone!