1. You bought a car in a 4s shop, and the 4s shop is responsible for recommending loans from banks or financial companies to you;
2, 4s shop services are not provided for free;
3. Banks or financial companies sometimes charge 4s stores some "exorbitant taxes and miscellaneous fees". Do you think he will be willing to take it on his own?
4. You can get a loan directly from a bank or financial company. Because they don't have a car, they will still introduce you to the 4s shop.
There is a handling fee for the loan to buy a car. Banks or 4S stores will charge applicants a certain handling fee. Should I charge? This is another matter. Many applicants complain that they are charged high fees. It is reported that the handling fee for car loan includes compulsory insurance, vehicle and vessel use tax, commercial insurance and licensing fee. At present, the car loan fee is 3%, which is about 654.38+0 million yuan. However, there is no uniform standard for handling fees, and the regulations on handling fees vary from family to family.
Loans to buy a car in a 4s shop generally require a handling fee. Because of the procedures of vehicle mortgage and insurance, the handling fees included in the loan are mainly compulsory insurance, vehicle and vessel use tax, commercial insurance and license fee. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to buy them.