In addition to the renewal deposit when buying a car, what other routines do you usually encounter?

Insurance offers are very deep, the insurance sent when buying a car is not full insurance, you also need to take another money, when buying a car, it is recommended to consult and implement it into the contract.

For Xiaobai who buys a car, in addition to the car when buying a car, the ** thing that he cares about is the routine of buying a car for various cars. And there are some routines that make people very speechless, the renewal deposit is the first, and you have to continue to buy insurance in the place where you buy a car in the second year after this "trap", which makes people very helpless. In addition, there are some routines to pay attention to when buying a car:

1. "Financial service fee" when buying a car. Many people will have two options when buying a car: full payment and installment payment. When choosing to pay in installments, basically all car dealers will charge a "financial service fee" to the car buyer for a loan assessment for the loan buyer, the amount ranges from 3000-6000, or even higher, this "financial service fee" is actually a random charge, which is a charge prohibited by the state, but basically all dealers will charge this fee, so it has become a normal charge. Many people are reluctant to dig into the car dealership for these thousands of dollars in order to buy a car.

2. Vehicle decoration and upgrades. There are also many car dealers who will give Theo a series of car upgrades and decoration services when consumers buy a car, such as adding reversing images, one-button start, seat heating and other functions, and will give a very preferential **, so that consumers are very cheap, in fact, this behavior is a disguised promotion and price increase, on the surface, the discount is very large, but when buying a car, it is another matter, without upgrading and adding accessories, there will not be so many discounts. This is also a common routine used by car dealers.

Third, the number selection and licensing service of the car. Many dealers will provide vehicle licensing services, directly even the license plate is good, but the license plate is charged, and ** is not cheap, in fact, it doesn't cost so much money to get the license plate yourself, and now the license plate is also very simple and convenient. It won't take long to do it yourself, so it's best to choose a good license plate number and get the license plate yourself when buying a car.

What other "routines" did you encounter when buying a car?

There are many routines when buying a car, in addition to what you said, there are also loan handling fees, insurance premiums that are not discounted, early purchase and maintenance, decoration, etc. Don't be in a hurry before buying a car to avoid getting into the pit.

There are also car handling fees, license plates, insurance agency fees, etc., which are all useless things.

Do I need to pay a renewal deposit to buy a car? Do I need to pay a renewal deposit to buy a car? You don't need to pay a renewal deposit when buying a car.

The following is the information about the renewal deposit: 1. Meaning: The renewal deposit, in a literal sense, is generally encountered when buying insurance when buying a car, and the renewal is equivalent to wanting to continue to insure the insurance when the insurance expires, so continuing to insure is renewal.

The renewal deposit is a deposit paid before the renewal of the insurance to prevent the arrears not being paid when due, and to prepare in advance. 2. Violations: The renewal deposit is illegal, if there is a renewal deposit, then it is an illegal charge, the state has a clear prohibition on the collection of renewal deposits since 2017, if the renewal deposit has been paid, you can ask for return, and you can sue if you don't return, because the renewal deposit is not legal.

3. Complaints: Car owners who have paid the renewal deposit can make a complaint by dialing the 12315 consumer complaint and reporting hotline**. @2019

1. Which types of car insurance are necessary to buy?

1. Only compulsory traffic insurance must be bought for car insurance, and other commercial car insurance can be selected according to demand, such as car damage insurance, third-party liability insurance, vehicle personnel liability insurance and its additional insurance. All vehicles must purchase compulsory vehicle insurance, and those who do not buy compulsory traffic insurance will be punished for going on the road.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

2. Is it mandatory to pay the car insurance renewal deposit?

The car insurance renewal deposit is not mandatory. When buying a car, consumers have to pay additional fees mainly for additional taxes, insurance premiums, and license fees. If the seller handles insurance, licensing and mortgage loans on behalf of the seller, only a reasonable service fee can be charged.

If the mortgage loan is not secured by the seller, the seller cannot collect any deposit. Therefore, consumers do not need to pay a renewal deposit. When consumers take out mortgage loans to buy cars, and car sellers provide guarantees, most of the mortgage service contracts they provide are standard contracts drawn up in advance, and the terms and conditions are often beneficial to the sellers themselves, and some even set traps in the contracts to provide an excuse for withholding consumers' money in the future.

The consumer should carefully review the content of the contract, and if the clause is not understood or has objections, it must be put forward on the spot and the seller must be asked to explain or amend it.

Since banks want to reduce the risk of loans, they are required to become the first beneficiary of automobile commercial insurance. When buying a car, the 4S shop or the car loan guarantee company will indicate when operating the insurance, but when the car insurance is in the second year, the bank cannot bind the car owner, so the 4S shop or the guarantee company will charge the deposit in proportion to the total loan amount, so that the car owner can continue to apply for insurance through the 4S or the guarantee company when renewing the insurance, and the car owner may be confiscated if the car owner defaults.

There is no need to pay a renewal deposit for a loan to buy a car, and the key is to negotiate and agree between the two parties to the contract. Loan to buy a car in the 4S shop is generally required to pay a handling fee, because the loan to buy a car needs to go through the vehicle mortgage, insurance procedures, so the loan to buy a car included in the handling fee is mainly compulsory insurance, vehicle and vessel use tax, commercial insurance premiums and licensing fees.

In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to purchase them. Loan to buy a car in the 4S shop generally need to pay a handling fee, loan to buy a car because of the need to apply for a vehicle mortgage, you go to the 4S store to buy a car. There are also financial companies that do not charge fees.

Comparatively speaking, the handling fee of banks is lower than that of auto finance companies and 4S stores, and many financial companies have launched interest-free car loans

The reasons why you need to pay a loan handling fee at a 4S store to buy a car with a loan are as follows. In terms of commercial insurance, there are no relevant mandatory provisions, although there is no clear provision that a loan to buy a car requires a handling fee, but a loan to buy a car requires a handling fee. At present, the handling fee for taking out a loan to buy a car is 3%, which is roughly about 10,000 yuan.

Many applicants complain that they are charged a high handling fee, so the handling fee included in the loan to buy a car is mainly compulsory traffic insurance, vehicle and vessel use tax, commercial insurance premiums and licensing fees, etc., and insurance procedures, although interest-free, but still have to charge a handling fee. However, there is no uniform standard for handling fees, and the regulations on handling fees vary from one company to another.

Like what. It is reported that the handling fee for taking out a loan to buy a car includes compulsory traffic insurance, vehicle and vessel use tax, commercial insurance premiums and license fees. At present, the handling fee for taking out a loan to buy a car is 3%, which is roughly about 10,000 yuan, and the 4S store is responsible for recommending a bank or financial company to lend to you.

With the change of people's consumption concept, more and more consumers take out loans to buy cars, and many consumers who take out loans to buy cars have such experiences: when the car dealer handles a personal car loan for them, the consumer is required to buy insurance from the merchant during the loan period, and also pay a renewal deposit ranging from one or two thousand yuan to ensure that the car is renewed by the designated insurance company during the repayment period, and the money can be refunded after the expiration of the period, otherwise it will be confiscated.

In this regard, the lawyer said that the merchant compulsorily collects a deposit for the renewal of the car purchase and allows the consumer to purchase insurance from the insurance company designated by the consumer, which is an overlord clause, and the consumer has the right to refuse to pay it.

There is no need to pay a renewal deposit to buy a car with a loan, and you must purchase a limited range of cars at a special dealer approved by the bank to apply for a car consumer loan.

Buyers who take out a loan to buy a car must also meet the following conditions:

1) The car buyer must be at least 18 years old and a Chinese citizen with full capacity for civil conduct.

2) Car buyers must have a relatively stable occupation and a relatively stable economic income or have assets that are easy to realize, so as to repay the principal and interest of the loan on time. The assets that are easy to realise here generally refer to valuable** and gold and silver products.

3) During the loan application period, the car buyer shall deposit no less than the down payment for the purchase of the car in the account of the bank savings counter that is not less than the bank regulations.

4) Provide the bank with a guarantee recognized by the bank. If the buyer's personal account is not local, a joint and several liability guarantee should also be provided, and the bank will not accept the mortgage set by the buyer to purchase the vehicle with a loan.

5) The car buyer is willing to accept other conditions that the bank deems necessary.

The special dealers referred to in the loan refer to the automobile dealers who are recommended by the automobile manufacturers and selected by the branches of the bank at all levels according to the financial strength, market share and credibility of the dealers, and then report to the head office, and sign the "Automobile Consumer Loan Cooperation Agreement" with each branch after being confirmed by the head office.

Hello, online car purchase is good, support low down payment. When buying a car, you should choose a car that can be used as a personal household, and the car is in your own name, which is your own car. Egg--egg-order-a-p-p, good. Down payment.

In general, the down payment of 1% when buying a new car online is 10%, that is, the low down payment is 10%, the model is different, the down payment method is different, and it is okay to buy a car with a down payment on the Internet, and you need to choose a personal account.

Egg--Egg Order-a-p-P, the main down payment, on the personal account, good.

This can be complained to the car dealership, there is no need to renew the insurance deposit, this is the overbearing business behavior of the car dealer, the user does not need to pay attention to them, they insist on doing so can complain to the IA.

The renewal deposit is unreasonable to buy a car, and the renewal deposit is a forced consumption phenomenon, which violates the principle of voluntary consumption, and consumers have the right to refuse.

The consumer loan to buy a car is through a loan from a finance company, and the actual owner of the car is the finance company until the loan is repaid. If the consumer does not pay the renewal deposit, it is impossible to determine whether the consumer is insured, and in the event of an accident or other accident on the car, the financial company will have to bear the corresponding losses and risks. 4S stores charge renewal deposits, mainly to remind consumers to apply for insurance in time.

When signing a loan to buy a car, consumers must see the same as the "deposit", and consult clearly about the renewal deposit, whether the deposit paid by the consumer belongs to the later renewal deposit, and whether the deposit can be returned after the loan is paid off if the insurance is not paid at the place designated by the lender. Normally, after the car loan is paid off, the lender shall return the deposit of the borrower to buy the car in a timely manner in accordance with the relevant contract. It is unreasonable to pay a renewal deposit for the purchase of a car in installments, and it can be implemented if both parties agree together.

Photo by Wu Binbin, Pacific Automobile Network).

Since banks want to reduce the risk of loans, they are required to become the first beneficiary of automobile commercial insurance. When buying a car, the 4S shop or the car loan guarantee company will indicate when operating the insurance, but in the second year of car insurance, the bank can not bind the car owner, so the 4S shop or the guarantee company is to bind the car owner, and the deposit will be charged in proportion to the total amount of the loan, so that the owner of the Tongtan difficult period can continue to apply for insurance through the 4S or the guarantee company when renewing the insurance, and the car owner may be confiscated if the car owner defaults.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"