1, bank loan interest

Bank car mortgage loans, different banks, different loan interest period is not the same. 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 buy a car by installment with a credit card, there is no loan interest, but there will be an installment fee (except for a few designated models). 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 secured. 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.

In addition, 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 agency fee to the dealer.