Is it normal to charge a 3,000 yuan handling fee for buying a car and a mortgage?

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. 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.

Therefore, it is normal to have a handling fee of 3,000 for buying a car with a mortgage. It is a fee for a certain service, also known as a financial service fee, loan service fee, etc.

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 a certain amount of handling fee will be charged at the same time as interest-free, which may be similar to the interest, and it is necessary to carefully screen the car in combination with the actual situation.

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.

The bank only charges interest without handling fees, and the handling fee is privately swallowed by the salesman himself or shared by the 4S store and the salesman, they will not write any receipts or invoices, and the only excuse is the company's regulations, which is very unreasonable. If you force it to be collected, it is recommended that you use your mobile phone to record a complaint. Insiders can't receive it, their behavior is very hateful, I hope everyone will resist it.

In addition, if you want to consult the bank directly in installments, you don't need to go through the 4S store, if the person in charge of the bank's audit also says that there is a handling fee, remember his bank number to complain to him.

The situation you are talking about should be the car you bought through the 4S shop, then he will provide you with some corresponding services, all of which are added together, so you will be charged a handling fee, if you buy the car directly elsewhere, there is no such problem. But the key is whether you can buy a car you love, which is the most important thing. Often people buy a car first look at the model, price, style, performance, etc., now people pay more attention to the quality of the car and the comprehensiveness of use, durability, which are some of the conditions for everyone to choose a car.

This is a bad loan, so if you can pay in full, you have to believe that there is no such thing as a free lunch.

To get it back.

Generally speaking, 4S stores will charge from 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.

For example, there is a service fee of 12,575 yuan for buying a car, and there will basically be a fee of about 3,000 yuan for ordinary vehicles, but in fact, this charge itself is unreasonable. It is recommended that users who have mortgage needs can directly contact banks or financial institutions for operation without going through third-party platforms.

Precautions for buying a car with a loan from a 4S shop.

If a customer chooses to take out a loan to buy a car in a 4S store and is looking for an auto consumer finance company, rather than applying for a car loan from the bank, then the first thing to pay attention to is to check whether the auto consumer finance company they choose has been approved by the China Banking Regulatory Commission, whether it holds a financial license, and how good the company's reputation and strength are.

Do not go to an informal microfinance company to handle it, otherwise the safety of funds is not guaranteed. In case of loan sharks, it is not good to be charged high interest.

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.