0 interest loans to buy a car to pay the handling fee, Zhangqiu friendship 4S shop was complained by consumers.
Shun author: Wang Qian Shaw Han Chen
recently, city Min Xu to Zhangqiu friendly automobile sales service have The limited company consulted 0 interest loans to buy cars, and was told to pay a service charge of 2000 yuan. Obviously, it is 0 interest, why do we have to pay 2000 yuan handling fee?
according to Mr. Xu, in September 21st, he went to Zhangqiu's Ming Shui ophthalmology hospital, 200 meters East Road South's friendly car sales Service Co., Ltd. to consult with the purchase of cars. At that time, the salesperson said that buying a car at 4S shop could enjoy 0 interest rate, but it had to pay 2000 yuan for the loan fee. "4S" is not a bank. What rights do you have to require consumers to pay a loan fee? Mr. Xu said that there is no specific fee standard for the fee, and the 4S store does not give formal invoices. Because he felt unreliable, he finally gave up buying a car at this 4S store.
29 morning, the reporter contacted Mr. Li, director of Zhangqiu friendly automobile sales and Service Co., Ltd. He admitted that there was indeed a 0 interest loan in the shop, which charges 2000 yuan for car purchase. Loans to buy cars, 4S shop charges already become the industry's.Amp; lsquo hidden rules.Amp; rsquo. He said.
according to him, the fee is determined by the vehicle and the loan time. There is no unified standard, 2000 yuan.Amp, mdash4000 yuan, and there is a space for negotiation. Even if you go to a bank to buy a car, you have to pay all kinds of service charges. He said that the 2000 yuan charged is actually the 4S shop's running expenses for the customers to go to the bank for the loan approval procedures.
before, people in the industry have disclosed that all big banks now have a mutually beneficial loan relationship with car dealers, and 0 interest purchases do not represent the cost of 0. Banks can increase the number of loan customers with good reputation, and dealers also reduce the threshold for buying cars. Although many dealers are holding the slogan of 0 interest, they have actually given the fee to the bank in the form of fee.
reporters learned that the banks and 4S stores had no right to collect fees in accordance with the regulations on financial management. Collecting fees is a way to collect interest in disguised form, which is not reasonable. According to the notice of the China Banking Regulatory Commission (CBRC) on the regulation of non standard operation of banking institutions, the banking financial institutions may not borrow loans or provide financing by other means, requiring customers to accept unreasonable intermediate business or other financial services. Gao Shuo, a lawyer of Shandong Guo Yao law firm, said that any four stores had no right to collect the so-called fees. If the 4S store does not pay the fee and refuse to sell the car, consumers can reflect it to the consumer association or the price supervision bureau.