There is a net friend Mr. White (a pseudonym) simple drying in his4SThe cost of shop car loans, as follows:

Friends, at first glance, Is it right? Feel dizzy. How4SStore so much what cost, insurance, vehicle purchase tax is understandable, but the mortgage management fees5400Yuan, guarantee8400Yuan, capital credit pad4000Yuan, these costs come from?

A simple calculation, Mr. White in4SShopCar loansInterest rates12.3%, fee9.6%, add up to21.9%The cost is quite high. The money from the search network to realize, has a car loan products:3Years of car loan interest rate is9.2%, the fee is2.25%That is, add up to11.45%. The difference between10Point, that is to say, the bank this product for you to save a19437Element.

According to small make up personal knowledge, from the general4SShop to buy a car loan, costs are20%About. Although in recent years, with the development of network finance,4SStores also gradually improve their car loan products, the introduction of various promotional activities ("enjoy a car loan0Interest rates, accord highest preferential2.7Million), and to strengthen cooperation with the bank. However, high costs charged this situation has not changed.

According to current understanding,4SShop car loan interest rate is9.8%-15%In between, is the cost of4%-6%. The following with interest rates and fees, contrast4SDifference between the shop and bank car loan products.

The following table1As shown in:

Table1:4STable comparison shop and the bank car loan interest expenses

[note:4SCar loan interest rate selection value9.8%, cost4%Agricultural Bank of China, car loan interest rate to choose a value for9.2%, cost2.25%]

In search of money net direct type car loan page,You need only gently a bit, can apply for the bank car loan products.