What kind of financial service fee does Mercedes Benz 4S store charge? "Crying in a luxury car" is a joke, but "crying in a Mercedes Benz hood" has become a reality, according to the voice of China news. In the past two days, the incident of 'female Mercedes Benz owners crying for rights' is still fermenting. Yesterday (14th), Xi'an market supervision department has put on file an investigation into the suspected quality problems of the Mercedes Benz 4S shop involved, and ordered the car to be returned and refunded as soon as possible. The female car owner thanks the market regulatory authorities for their support to consumers, but she refused the suggestion of refund before testing proposed by Mercedes Benz, and said she was willing to wait for the test results to come out and protect her rights according to law.
On the night of the 13th, a recording of the negotiation between the female car owners involved and the sales executives of Mercedes Benz on the same day flowed out on the Internet, which lasted for more than 18 minutes. Once and for all, the two sides had a heated debate. Some netizens praised the female car owner: "clear thinking, strict logic, too beautiful.".
In the recording, the female car owner also pointed out that the 4S shop involved was suspected of using the national three guarantees policy to evade responsibility. At the same time, he pointed out that in the process of purchasing a car, he was asked to pay a sum of 'Benz financial service fee' to an individual without knowing it, totaling more than 15200 yuan, and believed that 'this is cheating'.
Some netizens said: 'personal car change is not the key, malicious service charge is the key'. Many people who have bought a car may have been "pocketed" by the so-called financial service fee. What is the cost? How does Mercedes Benz respond?
On the afternoon of the 13th, in the high tech branch of Xi'an market supervision and Administration Bureau, the female car owner, who has been wildly spread on the Internet recently, met the senior management of Xi'an lizhixing 4S store for the first time. Ms. Liu, the general manager of Xi'an lizhixing company, apologized to the car owner and said that it should be returned because the 4S store was too slow. But the two sides did not reach a settlement.
Executive: oil leakage in the national Three Guarantees regulations, it can only reach the level of changing the engine.
Female car owner: according to the three guarantees regulation of the state, if the car is repaired for more than five days, you must provide me with a spare car. I have made four appeals to you. Whether you want to provide a spare car depends on the situation of each store. When you talk about the three guarantees of the state, it is out of context. The three guarantees of the state are good for you. If you use them to prevaricate me, and the three guarantees of the state are good for me, you can tell me 'it depends on the situation of each store'. Is the three guarantees of the state yours? Why don't you say that the three guarantees of the state help me?
In addition, the owner of the car also recorded that the salesperson, without his knowledge, induced him to pay more than 15000 yuan of Mercedes Benz financial service fee when he bought the Mercedes Benz car, and questioned the matter. In this regard, in the negotiation recording, the 4S store did not answer this question positively.
The female owner said: 'I have three questions for you to answer. First, I said that I had no idea about the Mercedes Benz financial service fee. Who is the representative of you to charge me the money and where is the final flow of the money? Second, if you think I should know it, what services do you provide me? What pricing standard do you use to provide this 15 thousand financial service? All the information is provided by me. Thirdly, the most important thing is that you Mercedes Benz have been avoiding the heavy and taking the light. I don't understand the significance of sitting here today. '
Mercedes Benz responded yesterday that it always respects and carries out business operations in accordance with relevant laws and regulations, and does not charge dealers and customers any financial service fees in case that the car owners are forced to pay 1.5% of the financial service fees. And said that Mercedes Benz openly and repeatedly asked dealers to be honest and law-abiding in the process of independent operation to ensure the legitimate rights and interests of consumers. In other words, Mercedes Benz left the "pot" to the 4S store, but the 4S store involved has not given a positive reply.
Some netizens commented that as soon as the five words' financial service fee 'come out, 4S stores across the country will tremble! The profit margin of naked cars is constantly decreasing, and many car owners are advised to borrow money when buying cars. Financial service fee has become the' hidden rule 'of 4S stores. How deep is the 'water' in it? A senior auto salesman in Shaanxi told CCTV that the financial service fee eventually went into the 4S store's pocket, and no invoice was issued. He said: 'financial service fee means that whether a new car or a second-hand car is a hidden rule in the industry. It's just a matter of more or less. Some customers are very talkative. If they buy a car at a high price, they will give it to you a little higher. Secondly, it's hard. If you buy the car in full, it's 680000 yuan. If you buy the car in installments, it's 665000 yuan. Of course, there's a lot of preferential treatment. The handling charge will be added. The financial service charge is earned by the 4S shop itself. These things can't be put on the table. He will transfer money privately. If there is any problem at that time, because there is no bill, they will also avoid these problems. In general, 4S stores don't sell full money because they earn less. If you pay by installments, it depends on how much the discount is. As long as it's not too special, it will let you. However, if you save money on one side, it will come out on the other side. Relatively speaking, it may be higher than the full payment. '
According to media reports, at present, the general charging standard of financial service fee in the market is about 2% of the loan amount, but different 4S stores have received about 4%, ranging from several thousand yuan to tens of thousands of yuan. Another car salesman also confirmed that some 4S stores can get 50% of the financial service fee, so the salesman will try his best to persuade all customers to take out a mortgage and have a set of tricks.
There are three kinds of financial service charge in a 4S shop: domestic car, joint venture car and imported car. Domestic cars, generally less than 100000 yuan, are the same as joint venture cars, and they all charge about 3000 yuan. For a car of about 200000 yuan, it is generally based on the service point. For example, if you have a loan of 100000 yuan, you can charge several points of service charge according to 100000 yuan. For imported cars, that point is even higher than that of joint venture cars with more than 200000 yuan.
Reporter: after the fee is collected, how can the 4S store give the sales staff a commission?
A car 4S shop sales: generally some slightly higher can get 50%, lower, depending on the amount of the case, can take 10%.
Reporter: if a customer needs to buy a car in full, do you usually persuade him to buy a car with a loan?
A car 4S shop sales: Yes, advised him to buy a car loan. Because there are a lot of expenses for loan to buy a car, and making money will make more money. Except for one frame, the rest of the car can't make money at all.
Some netizens pointed out that in addition to financial service fees, there is also a lot of insurance. Li Zhishan, chief lawyer of Shaanxi Heheng law firm, said that the financial service fee belongs to the intermediary behavior, and it is also very important for the 4S shop involved to have the financial service items approved by the price department in addition to the car sales. In other words, without the permission of the regulatory authorities, the financial service fee is a "black money".
Li Zhishan said: 'financial service fees have become an indisputable fact in the auto sales industry. Tens of thousands more, thousands less. As far as the Mercedes Benz 4S store is concerned, the money is transferred to other people's private accounts through wechat. In our opinion, according to the measures for the administration of automobile sales, the price of a car can not be increased beyond the marked price, and no extra charge can be charged. In this case, there is no basis for charging such fees. Through this incident, we should let the relevant departments carry out a rectification. It has been said that we should pursue a good business environment. Business environment is not only to provide a good business environment for businesses, but also to provide a good business environment for consumers. '
At present, the market supervision department of Xi'an hi tech Zone has asked the 4S store of lizhixing to continue to strengthen communication and solve complaints. After the investigation and verification of consumers' new demands and evidence, we should deal with them fairly in accordance with the law and regulations, effectively protect the legitimate rights and interests of consumers, and strive to create a good business environment.