Question 2: What is the car loan deposit? This thing is arbitrary charges. Generally, it is only available when an auto financing company lends money, but it must be paid.
To put it bluntly, 4S needs cash to pick up the car from the manufacturer. It is equivalent to returning the car in 4S in advance, and the interest is earned by the financial company. 4S just regards selling cars as a sales task. Of course, 4S doesn't want to be occupied by others, so find some reasons to withdraw funds. I'll pay you back after the loan is paid off.
There are also loan fees, which may cost thousands, but this money is non-refundable. Car manufacturers don't accept this money, they all accept it from 4 S. Car manufacturers and 4 S are allies, and they know that it is unreasonable and there is no way to complain.
Question 3: How much should I pay for the car loan? Some 4S stores will require borrowers to purchase insurance from designated insurance companies when handling car loan business to ensure customers repay on time, and also require borrowers to pay time deposits. There are two kinds of deposits:
One is to renew the deposit, which requires 2000 yuan. As long as the customer still buys full insurance in the car company in the second year, he can refund the renewal deposit of 2000 yuan.
The other is to guarantee insurance. The collection of guarantee insurance is related to the price of the car purchased by the customer and the loan amount. The more expensive the car, the higher the guarantee insurance the customer needs to pay. If the customer can repay the loan in advance, a part of the insurance premium will be refunded accordingly. If the customer repays the loan within the stipulated time limit, there will be little insurance money left.
Question 4: Do I need to pay a deposit for the car loan? Generally, if a bank borrows money to buy a car, it has to pay the mortgage fee, and it has to be paid when the vehicle mortgage is registered.
Question 5: Is there any handling fee, deposit, etc. Buying a car for a loan? You have a real estate mortgage, and what you do is a mortgage loan. This car purchase is the purpose of your loan. You don't need any margin interest. There are certain formal channels to do it. The handling fee is charged through the guarantee company or the salesman.
Question 6: Hello, do I need to pay a deposit for the car loan? Yes, it's all like this; Whether it is cost-effective or not is up to you to judge. If you have sufficient funds, you can choose a one-time payment, without handling fees and risk money.
In China, futures margin can be divided into two categories according to its nature and function: settlement reserve and trading margin. Settlement reserve is generally paid by the unit to the exchange according to a fixed standard, which is prepared in advance for transaction settlement. Trading margin refers to the actual margin paid by member companies or customers for holding futures contracts in futures trading, which is divided into initial margin and additional margin. Initial margin is the money that traders need to pay when they open new positions. According to the transaction amount and margin ratio, that is, initial margin = transaction amount × margin ratio. At present, the minimum margin ratio in China is 5% of the transaction amount, which is generally between 3% and 8% internationally. For example, in Dalian Commodity Exchange, the discount rate of soybean margin is 5%. If a customer buys five soybean futures contracts (each 10 ton) at a price of 2700 yuan/ton, he must pay an initial deposit of 6750 yuan to the exchange.
Question 7: Do I have to pay an insurance deposit for a car loan? When handling auto loan business, some 4S stores will require borrowers to purchase insurance from designated insurance companies to ensure customers' repayment on time, and at the same time, they will also require borrowers to pay a certain deposit. There are two kinds of deposits:
One is to renew the deposit, which requires 2000 yuan. As long as the customer still buys full insurance in the car company in the second year, he can refund the renewal deposit of 2000 yuan.
The other is to guarantee insurance. The collection of guarantee insurance is related to the price of the car purchased by the customer and the loan amount. The more expensive the car, the higher the guarantee insurance the customer needs to pay. If the customer can repay the loan in advance, a part of the insurance premium will be refunded accordingly. If the customer repays the loan within the stipulated time limit, there will be little insurance money left.
The renewal deposit is renewed in the 4S shop in the second year and can be refunded. To ensure that the insurance premium is repaid in advance, a part can be refunded accordingly. I hope I can help you! ! !
Question 8: Do banks need deposits to buy cars? At present, there are two ways for bank loans to buy a car, one is direct car loans, and the other is indirect car loans.
If you directly take the procedure of loan first and then buy a car, you don't need to pay a deposit to find a bank loan to buy a car, just meet the application conditions of a bank car loan.
However, if you choose indirect car loan, consumers may need to pay a certain amount of deposit when they apply for a loan to buy a car by looking for a third-party guarantee, and the amount of deposit is different from the guarantee method chosen by consumers.
Question 9: What do you mean by deferred payment in the installment plan of buying a car? The renewal premium is a loan for several years, during which vehicle insurance must be insured in this mortgage company. If it is not insured by this mortgage company, then the renewal deposit will not be refunded.
Question 10: What is the cash deposit for buying a car? There is no deposit for buying a car in full, and only a loan or lease will have a deposit. For loans, big commercial banks don't charge a deposit, as long as you have a copy of the real estate license, an ID card (usually a car mortgage) and the like. If it is a private loan or lease, a certain deposit may be charged to urge you to repay the loan on time and use the vehicle reasonably. There will be a deposit when booking a car, and the money is not much, ranging from several hundred to tens of thousands according to the brand. I will settle with you when the car arrives. Don't worry, keep the receipt.