1. 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 also require borrowers to pay a certain deposit. There are two kinds of deposit: \x0d\ one is renewal, and it needs to pay 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. \x0d\ The other is guaranteed 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. \x0d\2。 Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.