Recently, Mercedes Benz female car owners rights incident exposed, which involves the financial service fee caused concern. On the 15th, the China Banking and Insurance Regulatory Commission asked Beijing Banking and insurance regulatory bureau to investigate whether Mercedes Benz Auto Finance Co., Ltd. illegally charged financial service fees through dealers. What is the financial service fee when buying a car? Should financial service fees be paid?
For financial services related issues, the reporter conducted an investigation.
What is the fee of auto financial service?
Reporters interviewed a number of recent loans to buy new car consumers found that the financial service charge is a common experience.
Han Xue, a Shanghai resident, said she was asked to pay a 4000 yuan financial service fee when she bought a car with a loan from a Mercedes Benz 4S store. After the transfer, she did not provide a receipt or invoice. 'at that time, I also had doubts, but the sales department said that I had to pay for the loan to buy a car. This is the case in the industry, so I paid it. But the reporter inquired on the official websites of many well-known automobile manufacturers, and did not see any financial service fees.
'we found that many 4S stores would charge extra fees by name, including financial service fees. "Said Wang Ying, Secretary General of automobile professional office of Shanghai Consumer Protection Commission.
What kind of service does the so-called financial service fee provide? A 4S store staff member said frankly that there is no value-added service, just to help customers record the loan information and submit it.
What are the ways for dealers to collect financial service fees?
Reporter investigation found that dealers induce consumers to do loans to pay service fees has already formed a routine.
When Mr. Chen bought a car at a Volvo 4S store in Shanghai, he originally wanted to pay about 250000 yuan in full for the car, but the sales suggested that he apply for a car loan, because he could not only enjoy a zero interest loan and retain some daily working capital, but also thousands of yuan cheaper than the full purchase. "At that time, he was persuaded by the sales and was lured by the manufacturer's discount interest to apply for a loan. Later, it was found that after paying a financial service fee, it was not cheaper than buying a car in full. 'Mr. Chen said.
According to many car buyers, the sales staff will not tell them that they need to pay the financial service fee when they recommend the loan. They often propose it after paying the down payment, and say that if they don't pay the money, the down payment can't be returned.
Some people in the industry said that for most consumers, after a long period of watching cars, negotiating prices and signing contracts, they often choose to compromise in the face of this situation, and the dealers just take advantage of the consumer psychology and try again and again.
Why are dealers keen on charging financial service fees?
According to industry insiders, the main purpose of collecting financial service fees is to increase revenue.
'every family is collecting. 'Mr. Lin, who specializes in car loan services, told reporters that there is an interest chain in the collection of financial service fees, and the salesmen, supervisors, store managers, etc. have to share.
'except for one frame, the rest of the car can't make much money. If you buy a car with a loan, there will be a lot of expenses involved. The store can make more money, and the sales staff can raise 10% to 50% of the performance from the service charge. "People in the industry said.
According to a salesman who works as an imported car in Shanghai, there is no unified charging standard for financial service fees. Most of them are charged according to 2% to 5% of the loan amount, and some are charged according to 1% of the car price.