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The depth of investigation of 4S shops mortgage fees operating inside

■ reporter: Zhong Lin Wu Songxun Photography: Wu Songxun Comics: Yuan Yuan
The investigation time: August 30~8 month 31 days
The investigation content: 4S stores the mortgage fees
The investigation object: Geely imperial 4S shop
                  Shanghai Volkswagen 4S shop
                  The Chevrolet 4S shop
Investigators: "in the first" news group

Editor's note: mortgage purchase a car, because of greatly reduced the threshold to purchase a car, many still "working" actually has a dream of the people in the car, the car's desire, is to the satisfaction of all "". However, when you are immersed in the time finally has a car of his own, do you still remember, for the mortgage, you pay no small amount of fees? Then, the poundage exactly who is in charge? Which contains what charge? This fee should pay how much, who say? This fee is finally into one of the pockets? This fee is whether reasonable? This period in the first, you see, 4S stores the mortgage fees chaos......

Reader: 4S shop charged me 4980 yuan mortgage fees!
The morning of August 30th, an avid readers of this newspaper editorial department sent an e-mail to a source says, oneself to the Chevrolet 4S shop to buy a mortgage Cruze, 4S shop asked him to pay 4980 yuan mortgage fees. The reader wrote in the letter: "I was going to press 3 to 3 years into the mortgage to purchase a car, then the sales consultants to help me forget what, I need a loan of 80000 yuan, and then she offered me two loans: general financial company loan (need to pay the mortgage fees 4980 yuan, the annual interest rate 11%) and local bank loans (to pay the mortgage fees 7300 yuan, the annual interest rate of 5.4%). I don't know what the so-called mortgage fees is what costs, so I asked the sales consultant, she told me, the money is not white accept me, because they want to my personal situation are visiting investigation and handle the relevant procedures. But she also said that this money is not their 4S store collection, financial companies (IFC loan) or Guarantee Corporation (the local bank loans) received, because they put loans to I undertake the financial risk, so we have to charge a fee. But when I asked how this amount is calculated, with the sales consultant is' charged ', not specifically explained to me, that if I did not pay the fee, is to deal with the mortgage purchase a car. Then I thought for a moment, the fee is really too overbearing, equivalent to I paid 4980 yuan, too grievances, so special to your newspaper reporter consulting, the mortgage fees Is it right? Charge too high? And what is reasonable? Hope that can relieve my doubts, thank you!"
After reading the letters from readers, this reporter is confused: it seems, for the mortgage is a fee so say, the reporter had mortgage purchase a car is paid a fee, which is a kind of "knowledge", really did not think. 30 day afternoon, this reporter investigation......

Make unannounced visits to record: the mortgage fees4S stores frequency cast "smoke bomb"

A: the mortgage fees to pay how much? Who say?
■ a statement: loans 60000 yuan fees charged 7000 yuan, the Guarantee Corporation set
■ source: Geely imperial 4S shop
Reporter (hereinafter referred to as recorded): Imperial how mortgage? Give specific calculate?
Geely Sales Consultant (hereinafter referred to as Ji): three to three years, I help you count.
About half a minute later, sales consultants to write the mortgage price to the reporter.
Ji: package licensing car need about 54300 yuan.
Note: fees why 7000 yuan?
Reporters pointed in a list of the guarantee fee asked.
Ji: This is Guarantee Corporation set, there are 1000 yuan deposit, money paid to give you, in fact, is 6000 yuan.
Note: our mortgage loan less is 7000 yuan?
Ji: of course not, Guarantee Corporation is charged according to your loan amount.

■ statement two: loans 30000 yuan fees charged 1000 yuan, the financial company
■ source: Chevrolet 4S shop
Reporter: can I count the Le Chi mortgage?
Sales consultant said, side too to reporter explanation.
Chevrolet Sales Consultant (hereinafter referred to as the snow): price 46800 yuan, 30% Shoufu 16800 yuan, need loans 30000 yuan, purchase tax is 3000 yuan...... 1000 yuan fee......
Note: 1000 yuan? So much?
Snow: 1000 yuan is not much, general financial company's fee is very cheap.
Reporter: some discount? This fee is not fixed?
Snow: This is the provisions of general financial company, there is no discount.
Note: the general financial company is according to what?
Snow: I don't know, anyway, this is the set of rules.

■ statement three: loans 70000 yuan fees charged 7000 yuan, the Guarantee Corporation set
■ source: Shanghai Volkswagen 4S shop
Reporter: how POLO mortgage?
Shanghai Volkswagen Sales Consultant (hereinafter referred to as): three to three years, the specific cost of the mortgage will have to see you choose local mortgage or SAIC financial.
Reporter: what is the difference?
: local mortgage fees are high, about 7000 yuan; interest group finance loans than local mortgage, but the fees are relatively low, as long as 1750 yuan.
Note: all 4 times, the gap is very big!
: of course, the mortgage interest rate is only 5.4%, SAIC finance 11%.
Note: specifically told me that the 7000 yuan fee is determined by how?
: I don't know, concrete will have a Guarantee Corporation to calculate price according to your purchasing price models. All my customers are in accordance with the price, low is 6000 yuan, even the top with POLO will not exceed 8000 yuan fee.
Note: this can be loose?
: only more no less, no real fees to rise, single fees to rise, you live in Sanhuan fees to rise.
Note: a full family not hungry, repayment more easily ah, how fees will rise? And where I lived and what relationship?
Guarantee Corporation: people don't think so, they think getting married means have a common repayment capacity of two people, but only a single repayment ability, risk than marry big. As for the address of residence, living near the fee of 100 yuan cheaper than Sanhuan, because household interview survey distance, more recent than tricyclic ring.

Two: the mortgage fees exactly is who?
■ saying: "we are not received"
■ source: Geely imperial 4S shop
Note: This is the fee you accept or Guarantee Corporation charge?
Ji: of course is the Guarantee Corporation received.
Note: Guarantee Corporation is your own or find out the Guarantee Corporation?
Ji: not our own Guarantee corporation.
Note: (laughing) that's the people you work with Guarantee Corporation? It will give you a rebate?
Ji: return not return is the thing, I don't know. But since it is cooperation, will certainly have business dealings, or so many Guarantee Corporation, what we choose this.
Remember: you put rebate to I do not have discount?
Jill: (laughs) this money is the Guarantee Corporation received, we are not with you preferential.
■ source: Shanghai Volkswagen 4S shop
Note: local mortgage fees and who received?
: our own Guarantee Corporation closes.
Note: 4S stores have their own Guarantee Corporation? I am looking for other Guarantee Corporation, no?
: no.! Must be handled in our Guarantee corporation. Because if you do not have repayment ability, the Guarantee Corporation find you and can't find you, will only to 4S shop to find our repayment.
Note: 4S stores only sell the car, the car can't make money, what business is selling cars?
: we should be issued to sell cars prove to the Guarantee Corporation, "motor vehicle registration certificate" is mortgaged to the Guarantee Corporation, you also can not afford the car to drive away, Guarantee Corporation have a certificate what is the use? Not only can we 4S shop.
■ source: Chevrolet 4S shop
Note: this 1000 yuan fee is do you accept?
Snow: not, is the general financial company.
Note: I think the 1000 yuan to the worth, give 1000 yuan buying interest is gone.
Snow: 1000 yuan is not much number, you don't want to spend the extra money, can choose the whole paragraph. But now no mortgage does not collect fees, do not believe you to other 4S shop to ask. Then again, the car of 1000 yuan this money is not important, important is whether you like or not like the car.

Three: mortgage procedures ferry which contains the cost?
■ saying: is the guarantee fee, as well as the investigation, justice costs
■ source: much home 4S store (Q & a section from the reporters with Geely imperial 4S store sales consultant dialogue)
Note: 7000 yuan fee which contains the project?
Jane: is the guarantee fee.
Note: the guarantee fee? I take the real estate mortgage you also guarantee what?
Jane: Yes, the Guarantee Corporation to help you to guarantee banks bear the risks. For example, if you not the repayment, banks would find Guarantee corporation rather than looking for you.
Note: (laughs) I don't have, anyway, banks are not to find me.
Jill: (laughs) Guarantee Corporation will find you, you're not repayment Guarantee Corporation is to put the car back.
Note: I still don't understand this cost is how to.
Ji: anyway, the mortgage is must through the Guarantee Corporation Guarantee Corporation, so this part of the risk must exist. In addition, you need to apply for a mortgage, we certainly to your survey, money must have? Mortgage to notarization? This also must pay. But the mortgage purchase a car, the Guarantee Corporation is to be secured to the vehicle, these documents are stored in the bank, chartered bank vault had to pay it.
......
On this issue, no matter where the reporter heard 4S shop said, generally is a meaning: because both finance company loans you purchase a car, or Guarantee Corporation to vouch for you to bank loans to purchase a car, is to assume a certain financial risk, so, the fees which part is "the guarantee fee"; at the same time, mortgage loans, the financial companies or Guarantee Corporation, are to visit investigation to you as personal property, income, this process is bound to produce cost; in addition, notarization, the car mortgage and other related procedures, but also to produce cost. The reporter was summed up, from the 4S store argument, we can draw such a formula: the mortgage fees = risk guarantee fee + survey fee + related charges.

Manufacturers claim: agency fees (Fees) is pricing voluntarily by the authorized dealer
4S shop about mortgage procedures that is whirling, "manufacturers IFC loan", saying there are several. Subsequently, the reporter dialed the Shanghai general automobile manufacturers service hotline, hope from the factory here, find out about some mortgage fees.
   After the call, the reporter to the identity of the consumer to the operator that the "buy the Cruze was told the 4S shop financial company to encounter 4980 yuan mortgage fees", and proposes the question: "is this 4980 yuan is the 4S store to receive, or your financial companies to charge?" The operator told reporters need to query, answered a reporter's question: "Hello, customers through distributors mortgage purchase a car will produce some costs, mainly has: 1, interest charges. 2, third normal use fees, such as the abolition of vehicle mortgage. 3, the dealer agent cost." "The agency cost is your factory financial company received, or 4S shop close?" The reporter asked. For this problem, the operator said, dealers through financial companies on behalf of customers for mortgage loans, is to produce cost, so the fee is charged by the dealer. "Is also say financial firms are not charged the fee?" Reporters once again raised the question. "Sir, the dealer agent is sure to produce cost, the toll manufacturers are allowed." The operator is explained.
Subsequently, the reporter again 4980 yuan fee is how to calculate out of question to the operator on the inquiry, the operator said, she also not clear specific algorithm, the only advice to the general financial company: "in addition, agency costs is by our authorized dealer to pricing, if you have any questions about the price, have the right to require dealers to be explained."

Through the "fog": the industry that 4S stores the mortgage fees!
■ how much mortgage fees, who said to calculate
Note: the mortgage fees exactly have the how much?
Internal: no! The industry generally according to 6% of the loan amount to 8% collection. As for what is according to 6% or 8% charge depends on the actual situation of the customer. Customer's condition is good, easily through the examination cost is low, the condition is not good customer because handling procedures to some more, the price of natural high.
Note: the general fees quotation according to how many newspaper?
Internal: affirmation is to report. If customers don't bargain zhaodanquanshou, my income to higher. Customer too fee as he has to buy a car there is no other profit, if there is no profitable car decoration won't go under reported, because sell this kind of customers unprofitable, did not want to talk.
Note: mortgage guarantee fee for a supply of sth.?
Internal: it depends on whether the customer a good deal, and certainly not without limit down less, the discount rate is the bottom line. If more than the lowest quotation line customer is still not satisfied, need lower discount must be signed by the manager agreed, this involves a permissions problem.
Remember: it seems that the water is great.
Internal: rather than increase selling cars we have much better, at least I collect or pay the labor, mortgage procedures for customers, increase sales car only add money, but what it did not do.
Note: the mortgage finance company Cruze, manufacturers will much to charge fees?
Internal: about 4000 yuan.
Note: local mortgage?
Internal: local mortgage will be more expensive, because we have to pay some fee to the bank, for example, according to the amount of the loan to the bank exchange margin; the "motor vehicle certificate" original need to rent a vault in the bank deposit, so there will be filing fee; in addition the bank also collect information fees.
Note: these costs are customers buy?
Internal: nonsense! Clients in the mortgage business, the company will certainly let customers down, these costs are included in the customer mortgage fees.
Note: the banks need to charge you 2000 yuan fee, you will to charge? Total may not only 2000 yuan?
Internal: very simple, cost price is 4 yuan a bottle of beverage, retail price will be 4 yuan?
Note: in addition, the bank will charge what costs?
Internal: and notary fees, investigation fees, mortgage registration fees.
Note: it is for example, Ke Luzi, you quote the local bank mortgage how many money?
Internal: About 7300 yuan.
Note: it shall be given to the bank money? In other words, how much profit?
Internal: profits are not high, no financial companies earn more. Because although the mortgage banks poundage financial companies, but also so many people's wages, but also to the bank to pay the costs. In addition the company also to play the part of margin to the bank, once the customer has no ability to repay a loan from the bank, will ensure the gold buckle. When buying a car charge customers deposit is returned to the client.
Note: the 7300 which removed to the bank must pay, you can still remain?
Internal: I can give you count, 1000 yuan deposit must be paid, materials fees, mortgage fees these add up to about 1500 yuan, and notary fees what about 1000 yuan.
Reporter: that is to say as long as you pay to the bank only 3500 yuan? And where the customer closing price has doubled?
Internal: almost, on.
■ about mortgage fees who is in charge
Note: charge such a high cost, a successful single presumably Commission will be very high?
Internal: not so much as you think, for example, charged 5000 yuan fee, I Commission about 200 yuan, and sometimes even lower. During this period, the sales representative will be involved in the Commission, and then there is the Department manager. So high fees in the end there will be many people come back up, of course, mostly by the company and the.
Note: the fee Is it right? Non receipt can be?
Internal: exactly, manufacturers are not required to charge; although the mortgage banks to fee is required, the price is not high; but if there is no third party, such as the dealer or the Guarantee Corporation to mortgage the business, manufacturers and banks will not have the business of mortgage, loan interest even more impossible. Moreover, many of the current 4S stores give customers a showdown, the fee is 4S their own admission, but not for the money you can't mortgage purchase a car. Manufacturers could not stagnation mortgage business in every 4S shop? So in the dealer charges, the attitude of the manufacturer is the default. I think the fee charge and manufacturers also did not matter much, manufacturer just review, review of qualified lending interest income, interest of financial company manufacturers is relatively high.
Note: the manufacturer does not require fees, but we understand that, some of the 4S shops charge a fee that manufacturers financial company received.
Internal: yes. We also met the customer reaction high fees, call the manufacturer for results told us manufacturers said that does not charge a fee. In this case, we will tell customers, manufacturers of the financial company is unlikely to lend directly to the customer, the middle of the procedures must be the dealer management, since want to go through the formalities for, of course there will be charges.

■ about mortgage fees which contains the cost
Note: received such high fees, to do what?
Internal: as a guarantee! A mortgage. I want to do a lot of work -- do contract, contract, the trial data, household interview survey etc..
Note: These are not things that financial companies in the office?
Internal: after we first trial again they retrial. Manufacturers of financial firms are not set by local Commissioner, and impossible to customers to the factory financial company headquarters to sign the contract, contract of guarantee that our manufacturers are also responsible for signing.
Note: it is equivalent to the consumer loan is placed after the dealers, distributors and manufacturers to money?
Internal: Yeah, so that we in the mortgage period is to take risks. Mortgage purchase a car is not possible to let the customer directly on the manufacturers of financial company, must through the third party, the third party is the automobile dealer.
Note: the fee includes so many projects, there is no real must be collected?
Internal: yes! For example, some customers living in the two city, so far away from home visits for a fee.
Reporter: home visits should not so expensive?
Internal: it depends on the distance. Our company standard is the 3rd Ring Rd within 400 yuan, 3rd Ring Rd beyond 500 yuan, 1200 yuan.

Decryption: Bank "(Guarantee Corporation) fee at least turn you over"

In the 4S shop survey, almost all of the 4S store have dished out such a statement: mortgage purchase a car the bank is not for personal loans, must through the Guarantee corporation. If that is the case? 31 morning, the reporter visits after, found a commercial bank lobby manager for verification.

Reporter: hello! I want to consult the mortgage loan business.
Industrial and Commercial Bank of China (hereinafter referred to as the "manager"): double certificate? Land use permits and property cards.
Reporter: some, can loan?
Industry: which house a year? Where is the position?
Note: for 95 years, in the near east.
Industry: loan?
Remember: not much, we want to buy a car, ready to loan 100000 yuan.
Industry: car? You can go directly to 4S shop to help you handle?
Note: the 4S store to 7000 yuan fee! Is the Guarantee Corporation received, too high. So I want to ask, not by the Guarantee Corporation, to give loans?
Industry: Generally speaking, within 20 years of the house can mortgage.
Note: need to pay what fees?
Industry: the need to pay deposit according to 1% of the loan amount, the money as long as you do not default, the loan after will be returned to you. In addition to credit charges, fees, notary fees archives.
Note: a total of how much money?
Industry: concrete was looking at just know, probably, you 100000 yuan loan, should be to pay 3000 yuan, it is in 5000 yuan of the following.
Note: view of the 7000 yuan fee 4S shop said is really too high.
Industry: now many Guarantee corporation are few people gather together some money up, compared with bank mortgage, charge at least turn you over.

Related links: the story of a lawyer mortgage purchase a car - "and" 4S shop

In 2008 May, I bought the first car from a Hangzhou Toyota Auto Body Co, Carola 1.8MT. At that time, and the car negotiated the mortgage, sales representative put forward some fees, and make a list about the content, service fees, notary fees of several points of some element, there is an item called credit guarantee fee of 1000 yuan. I asked him this fee is what meaning, he explained that if the money I can't or don't have, their company will cover me, shall bear joint and several liability, I look to understand, because I was engaged in legal work, so I know this is a guarantee fee is paid, behoove.
According to the program, to the borrower and the loan contract signed, and then pay the balance to the car. A loan company is car dealers to contact a good first automobile finance company, we signed the loan contract, and signed a mortgage contract, seemingly. I wonder, I said that in accordance with the sales representative for credit guarantee fees explanation, there should be a car dealer and loan guarantee contract, I asked the FAW finance company customer manager has not signed the contract, he replied that no, don't sign. I say, that what credit guarantee fee is no reason to pay, he immediately pulling face said, that we will not lend it to you. I don't think we need and loan companies over the matter, not to mention the first stubble.
The car to pay the balance, the other party to put the car away all generally included in the cost of service charges, invoice issued a total service fee, I in order to preserve evidence, insisting that the other row a credit guarantee fee invoice, the other depression but I opened the.
After buying a car for a long time I didn't notice it, until 2009 April, across the credit guarantee fees invoices, calculate the time past fast a year, according to China's laws for fraudulent prescription only one year (scheduled period), I hurried to the car business call first of all, that their occupation identity, then that there is such a bill in hand, the cost should not accept, have constituted a civil fraud, according to law shall be double compensation. The other said it needs to request the leadership. I think the other party will resist, so psychologically prepared to adults thought preparation, but did not expect the other side reaction is rapid, the responsible person immediately invited me to negotiate. After the meeting, the other will be carefully inspected the invoice, said, now the car loan market is a bit confusing, receive credit guarantee fee practices have guild regulations, if you think this is fraud that would give the money back to you. But I'm demanding compensation for the double, both in the mode of compensation and the amount of wear bubble will last time, I received 2000 yuan to the car accessories to make compensation, settle the matter.
I later learned to receive credit guarantee fee is a common phenomenon, I summed up, can so easily properly resolve the matter, in the car manufacturers have a very clear understanding of their wrongdoing, but why also commit a crime it knowingly, or upgrade to the "norm" level? Three reasons, one is the consumer law consciousness is not strong, the new car groups in the vast majority of people is the first purchase a car, inexperienced gullible, such as I lack of experience but hard to fool. After all, a few, some people even realize you might be black, do not know how to preserve the evidence to be adults. Two is the consumer's idea is not correct, the lack of as clear as noonday consumption concept, compared with the hundreds of thousands, hundreds of thousands of purchase a car payment, this so-called credit guarantee fee is clearly not worth mentioning, vaguely on the past. Three is the car business and lending units collude with each other, have formed an interest. When consumers questioned fees, loan unit will try to maintain the interests of allies, even to refuse to lend to blackmail, because they need the car to attract business for its lasting stability, after all the offending car consequences than offend individual customers much more serious.
I hope, this experience case, to alert consumers don't be silly hat (of course, I play the fool is possible), also warned the car dealers do not play with fire. For every dollar we spend should ask why, for every dollar earned should also be based on. No one would rather be fraud, but he doesn't understand. He did not understand it is best not to cheat him, because one day he'll understand.
In fact, the car loan market as the housing market like the door wide open, who has seen for loans to developers to pay a service fee, credit guarantee fees, charges? That's an old wives' tale.

The review: "in the first" news lead netizen attention!
The 520 stage, the "high handed 4S shop compulsory consumption" original oil "" report published, each big website are reproduced, Sohu, news, search and other sites are in a position to be large coverage. According to click a quantity to full search statistics, as of September 1st, the report, click rate is more than 15000 times, in the hot news hits in the first, and is still rising. And on the 4S store compulsory consumption original oil incident, the network also caused numerous netizen and car heat --
"4S is now black, the car that change to the car, two."
The quiet -- no face male
"4S store mandatory spending, is bound to bring about."
The netizen day -- not always Weiyang
"4S store will hold the warranty period a despotic power"
-- the banana
"I say to you, 4S stores its staff car instead of the oil, to the 'white'."
-- the bully gentle
"4S store dressed in bright is the means, make our money is the only purpose."
-- the cap cover Yan
"You know 4S shop black, but have to, ah, ah!"
-- users be fatigued with the journey
You are suffering from unspoken rule? Do you know the automobile industry behind the scenes plotting? Have you been to burst? Call our news hotline! Auto fashion news in a newsgroup, pay attention to people's livelihood, exposing the dark, are you the truth!

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