Is it normal to have a handling fee of 3000 for buying a car with a mortgage?

It is normal to have a handling fee of 3,000 for buying a car with a mortgage. Buying a car with a mortgage, that is, buying a car in installments, 4S stores or dealers will charge a certain amount of handling fees. However, the specific amount of this fee is not fixed, and there is no relevant clause stipulating the amount of this fee.

It is a fee for a certain service, also known as a financial service fee, loan service fee, etc.

4S shop. The purpose is still to pursue profits, and will not introduce the loan structure and the bank to you in vain. It is still necessary to charge a certain benefit fee for service fees, but for unreasonable fees for financial services, or other fees without notice, consumers can file a complaint with the industrial and commercial department or consumer association.

Complain and protect your legitimate rights and interests.

Pay attention to buying a car with a mortgage

1. When filling in the mortgage loan application form, you must fill in all the options on the **, and check that the information filled in is correct before submitting it to the loan handling bank or auto finance company, so as not to affect the approval of the car loan because the information on the ** is wrong or imperfect.

2. Read the terms carefully when signing the contract, and be sure to clarify the loan amount, term, interest, handling fee, deposit, etc., so as to avoid unnecessary disputes in the future. For example, a mortgage car loan can be up to a few percent of the purchase price of the car; If interest-free car purchase is offered, whether it is only interest-free and not handling fee-free; whether the deposit for loan repayment is refunded; Whether you want to buy car insurance from a designated insurance company, etc.

It is normal to have a handling fee of 3000 for buying a car with a mortgage.

There is a service fee of 3000 for buying a car, which mainly means mortgage service fee, and generally speaking, 4S stores will charge thousands to tens of thousands. Because this fee is not a specified fee, the service charge will vary from city to city or from vehicle brand to vehicle brand.

In addition, if the user's qualifications are average and they cannot apply for a bank loan, then they can consider manufacturer finance, and pay attention to whether there will be additional fees in the process, and normally only need to pay interest.

Precautions for buying a car with a mortgage.

Nowadays, some car dealers take advantage of the lack of consumer legal knowledge to trick consumers into signing blank contracts. However, after the consumer loan procedures are completed, when the consumer sees the credit contract, he finds that the loan amount is different from the previous promise.

At present, some dealers have launched interest-free car loans in order to attract customers, and the actual discount may not be as affordable as imagined, because they will charge a certain amount of handling fee while interest-free, which may be similar to the interest, and you need to carefully screen it when buying a car in combination with the actual situation.

When buying a car and applying for a loan, the loan platform requires a handling fee of 3,000 yuan, which is a reasonable situation, if you approve it, sign the contract, and don't sign the contract if you don't approve it.

Auto consumer loan is a new type of loan guaranteed by banks to car buyers who purchase cars at their authorized dealers.

Loan to buy a car refers to the loan issued by the lender to the borrower who applies to buy a car, which is actually borrowing money from a financial institution to buy a car, but the financial institution requires the car buyer to pay a certain percentage of the down payment and provide proof of repayment ability, no bad credit history, and must meet the requirements of the financial institution to apply for a loan to buy a car.

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.

Generally, there is a handling fee, ** ranging from 1200-3000 yuan, of course, it is not excluded that there is a higher one, because this is also related to the vehicle**, you have a car of 30,000 yuan, and the mortgage handling fee is 3000 that is a rip-off.

If it is a 70-900,000 car, it is normal to charge 5,000 yuan, and the difficulty of applying for a loan is different between the two cars, and it is generally charged, but some have manufacturer support policies, so there is zero handling fee for mortgages.

It is normal to have a handling fee of 3,000 for buying a car with a mortgage.

If the owner has any doubts when buying a car, he can visit several 4S stores for comparison, of course, the owner can also negotiate with the 4S store on the cost; The general loan handling fee is mainly charged by financial institutions or banks entrusted by 4S, of course, 4S stores may falsely mark fees, which is also no way; As long as you are handling installment payment business, you will basically be charged this handling fee, which generally varies in amount. The higher the fare, the higher the fee.

At the same time, the loan handling fee will be different according to different financial institutions or banks, some have fees, some do not, you can negotiate with them; In addition, when applying for a loan mortgage car, there is generally a GPS fee, which is also a high cost; In fact, it is still recommended that it is cost-effective for everyone to buy a car in full.

The conditions for buying a car with a mortgage loan are mainly the following:

1.Be at least 18 years old (inclusive) and have full capacity for civil conduct;

2.Have a stable and legal economic income**, and have the ability to repay the principal and interest of the loan on time;

3.The personal credit is good, and there is no bad credit record or serious negative information in the credit report.

This is the handling fee, which is what they call the financial service fee, which is a common practice, but the state does not have this regulation.

Industry practice, in general.