Does a car decompression loan cost money?

Is it reasonable to pay off the car loan with the decompression fee of 2000?

Unreasonable.

It is illegal to have no such agreement in advance. In fact, this 2000 yuan is unreasonable, but he didn't break the law. If you don't explain this adaptation in advance when signing the contract, then when the loan needs to be mortgaged, the car loan company will tell you this situation, and you can refuse to pay this fee loan:

The simple and popular understanding of loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out by means of loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Measures for the administration of automobile loans

Article 4 The term "self-use vehicles" as mentioned in these Measures refers to non-operating vehicles purchased by the borrower through auto loans, for-profit automobile handcarts purchased by the borrower through auto loans, automobile energy vehicles that have completed the registration procedures and gone through the transfer procedures according to the national compulsory scrapping standards, and vehicles that are completely or mainly driven by new energy sources, including plug-in hybrid (including extended range) vehicles, pure electric vehicles and fuel cell vehicles.

Article 7 Lenders and borrowers shall follow the principles of equality, voluntariness, honesty and credibility.

How much does it cost to cancel the vehicle mortgage?

Generally speaking, there is no handling fee for canceling the vehicle mortgage. According to the national charging standard, 70 yuan related fees are required for vehicle mortgage, and there is no charge for canceling vehicle mortgage. Release program:

1, loan settlement voucher of the loan applicant;

2. The lender shall apply to the management office for release with the loan settlement certificate, ID card and other related materials;

3. Go through the formalities of understanding the charges;

4. Publishing has been completed.

legal ground

Article 22 of the Regulations on Motor Vehicle Registration

If the owner of a motor vehicle mortgages the motor vehicle, he shall apply to the vehicle management office at the place of registration for mortgage registration; If the mortgage right is extinguished, it shall apply to the vehicle management office at the place of registration for cancellation of mortgage registration.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

How much does it cost to mortgage the car?

Generally speaking, you don't need money to launch a car, as long as you can handle it yourself. If you find a scalper to release the car, it usually costs hundreds of dollars. So there is no need to ask the scalper to help put the car. It costs money to find scalpers, and it may not be done well.

Many people will be asked to pay a certain fee when they go through this series of procedures after paying off their loans. Most of them are fees or service charges charged by business personnel on the grounds of handling loans on their behalf. If this fee is not stipulated in the original contract, the owner can refuse to pay. If the lender still charges fees forcibly, the owner can call the complaint hotline 123 15 to make a complaint.

Generally speaking, automobile mortgage is distributed in two steps:

1. Bring relevant information to the bank or loan company to retrieve the motor vehicle registration certificate and apply for the certificate of settlement of the car loan;

2. Bring the motor vehicle registration certificate, the vehicle loan settlement certificate, the owner's ID card, the motor vehicle mortgage change application form, the lender's organization code, and the power of attorney to the local vehicle management office to cancel the vehicle mortgage.

After the vehicle is released, the first beneficiary of auto insurance needs to be replaced in the insurance company. If the GPS positioning device is installed on the vehicle, it needs to be removed in the 4S shop.

How to deal with car loan decompression

After the loan is paid off, you should go to the vehicle management office to decompress. The car buyer needs to go in person, and the motor vehicle does not need to be present.

The release process is as follows:

1. After deducting the last month's mortgage payment, it will take about 10 working days to get your mortgage back at the bank that handles the car installment payment. The bank's credit card car is in stages. It is best to call the bank's customer service phone in advance to ask if it has been completely settled. The customer service phone number can be found on the back of the repayment card.

2. To obtain a motor vehicle registration certificate, you must hold an ID card. Other possible procedures include: motor vehicle driving license, bank repayment details, etc.

3. After getting the registration certificate, the next step is to go to the local vehicle management office to handle the vehicle mortgage cancellation procedures. Materials to be brought together include: motor vehicle registration certificate, loan settlement certificate issued by the lending institution, lender organization code certificate, motor vehicle mortgage registration/pledge filing application form, power of attorney, and motor vehicle owner's ID card.

4. After going to the lobby of the vehicle management office, you can handle it at the corresponding service window.

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1. How much does it cost to decompress the loan car?

There is no charge for car release. When we meet a 4s shop to collect the fare for various reasons, we can negotiate with them first. You can call the 123 15 complaint hotline to make a complaint. If you encounter a 4s shop that charges exorbitant prices, alarm handling is the most appropriate. Moreover, in 20 13, the state clearly stipulated that "the motor vehicle mortgage registration fee includes the application for mortgage registration fee and the application for cancellation of mortgage registration fee, and the applicant shall not be charged the cancellation of mortgage registration fee separately". Therefore, it is not in compliance with laws and regulations to charge the lender for the cancellation of custody.

Second, how to handle the loan procedures for car loans:

Mainly divided into the following steps:

1. After we repay the loan, we can go to the bank to get our relevant certificates, and then the bank will issue us a "loan settlement certificate";

2. With this loan settlement certificate, you can go to the vehicle management office where the vehicle is registered to go through the formalities of canceling the charge. It should be noted that the vehicle management office is only open on weekdays and closed on weekends. Therefore, it is best to make an appointment online before going to avoid running empty;

It will take about seven days to get the Great Green Paper after all the materials are submitted on the same day. When we get this great green book, the car will really belong to us.

Does it cost money to decompress the vehicle?

Generally, there is no charge for decompression. It is recommended to go to the dealer for normal decompression or go to the bank for normal decompression procedures.

There is no handling fee for motor vehicle decompression! If the handling fee is arbitrary, you can complain.

After paying off the car loan, go through the decompression procedures: valid identity documents of the borrower, the applicant and the vehicle owner; The loan contract signed with the bank; Loan repayment card; Original motor vehicle registration certificate, go through the mortgage cancellation registration formalities at the vehicle management office, and get back the automobile property right certificate.

Auto loan decompression process:

1. Contact the bank, auto financing company or guarantee company that handles the loan.

After you repay the vehicle loan, you should first find the "mortgage contract" you have written, consult the contact numbers of banks, auto financing companies or guarantee companies on the contract and get in touch with them.

Two, go through the formalities of settlement, and receive the "motor vehicle registration certificate".

Generally speaking, within 10 working days after the loan is completed, the lending institution will take the initiative to mail the relevant procedures to the 4s shop and notify the borrower. After the mail arrives, the borrower can go through the relevant formalities with his ID card.

3. Apply to the vehicle management office for cancellation of mortgage registration. With the above procedures, all motor vehicle owners can go to the vehicle management office together with the bank agent to apply for cancellation of vehicle loan mortgage registration.

Identity certificates and photocopies of the motor vehicle owner and mortgagee (bank agent); Motor vehicle owners are not registered in Chengdu, and they need to apply for a residence permit.

Paying off the car loan will cost 2000 yuan to decompress.

If you pay the corresponding decompression fee when you sign a loan when you buy a car, it is recognized by both parties. If you don't explain in advance when signing the contract, you can refuse to pay this fee on the grounds that it is unreasonable when you settle the loan. The reason for this is the following：

1. At present, the vehicle management offices all over the country don't charge the release fee. If there is a fee, it is also the fee charged by the vehicle management office 1-200 yuan.

It is profitable for the seller to ask you to pay this fee. You can handle it yourself.

3. The other party will tell you that the business license is not in the store and needs to be transferred to the store on working days.

4. You can call the manufacturer directly to check and urge me and the relevant person in charge to go to the vehicle management office.

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.

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

The specific steps of buying a car by credit card in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.

loan limit

The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Letter of credit clause

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.