Calculation method of automobile mortgage fee: 1. The performance bond shall be charged at 3% of the loan amount, and 3,000 yuan shall be charged uniformly if it is less than 3,000 yuan. After the loan is paid off, the deposit shall be refunded in full; 2. Notarize the mortgage fee. When handling the notarization mortgage of vehicles, you also need to pay the notarization mortgage fee around 800 yuan, and the fee has a receipt. Note that this part of the fee needs to be paid in installments of the mortgage loan; 3. Credit investigation fee, banks will conduct consultation and investigation before lending, so they will generally charge 1% of the loan amount, which varies from bank to bank.
Bank charges for car loans
According to the different ways of car loan, there are roughly three kinds of handling fees, and whether it is car loan or credit card installment, if it is handled through a car dealer, it may be necessary to pay a certain handling fee to the dealer. 1, bank loan interest Bank car mortgage loan, different banks, different loan interest period is different. The benchmark interest rate for three-year loans is 6. 15%, and the actual loan interest rate is usually higher than the benchmark interest rate, and the benchmark rises by 30% to 40%. 2. Credit card fees If you use a credit card to buy a car by installment, there will be no loan interest, but there will be an installment fee (except for a few vehicles that are designated as fee-free). Different banks have different credit card installment fees, and there are two payment methods for credit card installment fees: one-time payment and installment payment. General 12 total cost is above 10%. 3. Other handling fees Some car loans need to be guaranteed. If it is guaranteed by a guarantee company, it is generally necessary to pay a certain deposit, which generally costs several thousand yuan. If the borrower repays the loan on time, the guarantee company can refund a certain amount of deposit as agreed. If you use real estate as a mortgage loan, there will be real estate assessment fees, mortgage registration fees and other fees.
What is the charge for buying a car by mortgage?
Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest. Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest.
Mortgage to buy a car to pay the following fees:
1, down payment: generally, the down payment is 30% of the car payment;
2. Purchase tax: the purchase tax is 65438+ 00% of the car payment;
3. Insurance premium: Insurance premium includes auto insurance, commercial insurance and GPS fee;
4. Authorization fee: 4S stores handle authorization or authorize themselves, and the fees are different;
5. Handling fee: This part of the fee is usually 2%-3.5% of the loan amount, and different brands will have different amounts;
6. Loan interest: calculated according to the loan term and loan amount of users, the interest rate is set by banks and financial institutions.
In order to increase car sales, the government and financial institutions jointly launched a personal loan car purchase business. At present, there are two main ways to buy a car with personal loans in the market finance industry, 1. It is to buy a car with real estate mortgage. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%.
The interest rate is mainly determined according to your loan type and your personal qualifications. 2. Personal credit loan to buy a car (unsecured and unsecured, generally requires you to have good credit and stable work income). This kind of loan can generally be used for 5 years with a down payment of more than 30%.
After you meet the above conditions for buying a car by mortgage, you can go through the formalities smoothly. Just go to the loan bank and apply for a personal automobile mortgage. In addition, after providing these materials, the bank needs to review and confirm before it can be approved.
Extended data:
Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest. Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest.
Application conditions for mortgage car purchase:
1, with valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.
Application materials for mortgage car purchase:
1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other documents required by the Cooperation Organization.
After you have provided these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car:
1, with valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.