Vehicle service fee, that is, when consumers buy cars and apply for automobile consumption loans in 4S shops, they are often told by 4S shops that they need to pay an "agency fee". The service fee charged by the 4s shop is unreasonable. When applying for a loan, you must ask about the relevant fees and don't pay unreasonable fees.
The so-called service fee is also the toll of running, and the price of this fee can be negotiated. The collection of service fees depends on certain circumstances. At present, many consumers think that as long as they pay the service fee, they can get certain service guarantee. In addition to service fees, many brand dealers also have so-called "fares" or "library fees". But in fact, this is a misunderstanding of consumption.
Unreasonable service fee for buying a car:
1, renewal fee. When buying a car with a loan, you should be prepared to pay interest, whether in the form of interest or handling fee. But there is no so-called handling fee for buying a car in full.
2. Service charge. The services provided by buying a car are included in the car price, and there is no service charge.
3. License fee. Go to the card, 200 yuan.
4. Delivery fee. This is a typical unfair charge and should be paid.
5. Management fee. It is also a typical unfair charge.
Second, what is the car loan service fee?
Automobile loan service fee refers to the handling fee of the loan. Generally, a handling fee of about 0/0% of the loan amount is charged. Each car brand uses a different name, but the costs of various names, such as information fees, handling fees and evaluation fees, add up to about 10% of the loan amount. Auto financing companies generally charge a certain margin, and the standards of each company are different. The loan interest rate is the same as the bank loan interest rate. Different ways for users to obtain loans may lead to different loan fees. Generally, a handling fee of 10% is charged through loans from auto financing companies. Different brands use different names, but the cost of each name adds up to about 10%, and the interest rate is the same as the bank loan. When asked about the advantages and disadvantages of car loans, most dealers are somewhat evasive. They believe that buying a car with a loan can not only enable citizens with insufficient funds to buy their favorite cars in advance, but also allow some citizens with sufficient funds but other uses to free up some funds that would have been put in the car price for development. Whether to borrow money to buy a car depends on the owner's financial situation.
Who can tell me how much the car loan service fee is?
If you are a car 4s shop, this is generally charged, that is, the handling fee. There are several ways to apply for a car loan: 1 Apply for a car loan, and then choose a car; Buy a car by credit card in installments and repay it monthly; Handling auto loans from auto financing companies; The financial leasing company must pay at least 30% of the car price for the down payment of the loan to buy a car. At the same time, due to the early stage, ...
4. What is the service charge for car loan and mortgage?
The management fee in car loan is car sales.
The cost of buying a car with a mortgage. Overcharged management fees are actually safe. Many times, friends who buy cars are eager to get cars, and bad car dealers have no chance before.
Change several names of the same charging item, and repeat the charging. For example, any management fees and service fees are actually unnecessary. Making excuses, repeatedly charging fees, and making trouble through contract agreements are common hidden rules of auto loans. In particular, many loan companies boast that there must be clauses written into the contract.
So be sure to read the contracts, agreements and charging items clearly. If you don't know, go and find out, and it's best to be accompanied by an experienced friend.
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Extended data:
If you buy a car with a loan, there will usually be a management fee in the contract, which is mainly used for file keeping. After the vehicle is registered and mortgaged, it will be kept by the company in a unified way, as well as bank monthly payment, vehicle insurance and customer service platform construction.
In fact, there is a charge for keeping the car registration certificate, but the name is different. It is the work of file management, especially in the loan contract. The state has abolished the so-called personnel relationship file management, and can ask for a clear explanation or not to hand it in.