Xi'an runs quickly woman's bicycle advocate dimension authority incident, eventually with the car advocate the star with Xi'an benefit is reached reconcile come to an end. But be based on the finance of 4S inn collection with this derivative incident to serve cost phenomenon however heat is not decreased. New Hunan client carries a reporter to visited discovery of inn of much home 4S recently, include Changsha benevolence inspire confidence in sb to run quickly, the 4S inn such as Ao Di of Hunan Hua Yuntong replies clearly, at present not collection finance serves cost. Nevertheless also wide steam Feng Tianhua carries the 4S inn such as inn of abundant all directions expresses, financial service fee is the charge that sale adviser seeks loan orgnaization, conduction formalities to wait for the client, normal still collection.
Visit on the spot: Inn of 4S of Changsha much home says at present not collection finance serves cost
New Hunan client carries a reporter to interview the vehicle that investigates numerous loan to buy a car advocate discovery, it is to run quickly not only, all almost other involving service of metropolis collection banking expends the 4S shop that provides financial loan professional work for consumer, specific amount is differ. At present on the market " finance serves cost " general rate is loan amount 3% or taller, amount differs to on 10 thousand yuan from thousands of yuan.
Nevertheless, april 16, 17 days, new Hunan client carries a reporter to visit Changsha after many 4S inn, many 4S inn state at present condition is not collection this charge.
Changsha benevolence inspire confidence in sb runs quickly dealer shows, had cancelled finance to serve the collection of cost at present, as to later whether collection of short duration is not affirmatory. Meanwhile, the reporter still calls car of abundant of luck of Changsha roc dragon to sell Hua Zhijie of limited company, Hunan to run quickly respectively 4S inn, all express not collection. But the Long Xing that is located in river Xi Lugu runs quickly all right the public phone of 4S inn cannot put through, the reporter is in after dialing its to sell advisory telephone call, express at present of short duration not collection serves cost.
The reporter seeks advice from Bao Cheng car to sell the BMW of the company to sell adviser with client identity, gotten answer is: "Our company crosses finance to serve cost without collection, as to other sale company, we not know the inside story. We not know the inside story..
Hua Yuntong car sells company Ao Di to sell adviser to express: "To before the Xi'an that happens on the net runs quickly woman's bicycle advocate dimension authority be related, our company the pressure by force of public opinion, allot an announcement no longer collection finance serves cost, later can collection will decide according to national policy, it is OK to set without specific legislation after all collection finance serves cost.
In inn of all directions of Hua Yunfeng of cropland of wide steam abundant, the reporter consulted program of loan of a car, include 6000 yuan of finance to serve cost among them. This sale expresses, financial service fee is car market loan buys a car a charge of general collection, we help a client look for loan orgnaization to deal with formalities, this among them a lot of flows are dealt with by client of staff member side, collection a few charge also are normal.
Finance serves cost, be what after all?
Before this, loan buys car collection finance to serve cost is a common thing almost.
The personage inside course of study expresses, so called " finance serves cost " , "Help client arrangement do the orgnaization that mortgages loan to pay a car the money only namely actually, in this process, can involve all sorts of services, for instance side client films data photograph, report client data to loan orgnaization to wait, these service charge serve the items collection of cost with finance. These service charge serve the items collection of cost with finance..
On April 15, after Xi'an revenue checks, express: "The finance in this case serves cost, it is consumer namely car advocate with what the tripartite of 4S inn signs mat endowment serves an agreement. The car basically borrows money in the bank, bank loan has period of time and process, tripartite serves (company) should replace a car advocate undertake to 4S inn mat endowment assures, the cost that produces from this, so they call mat endowment service agreement. Our average consumer, the likelihood also includes store of a few 4S, common says serve cost for finance. " nevertheless, xi'an car advocate run quickly with in reached agreement, run quickly the respect expresses to will return this charge.
The field is sold in the car, besides financial service fee, car finance consumption goes regulation is much. Guide instalment for instance, hide rear other collect fees, once consumer preference is other,the way borrows money, some businessmen are intended and protracted the loan program that perhaps rejects to be consumer directly offers car relevant data; Promiscuous finance concept, what partial businessman uses consumer to wait for knowledge to financial major term is not familiar, change the concept of accrual and poundage secretly, method of calculation of promiscuous interest rate, "Trick " consumer undertakes from 4s inn finance borrows money.
Inn of 4S of Changsha much home expresses at present not collection finance serves cost, to broad consumer, it is one big profit undoubtedly good, can honest province lays brushstroke expense. Nevertheless, the reporter also worries somewhat: This fee that does not collect can does marry again go up to other charge?
Inn of some BMW 4S shows clear this world, if loan buys a car, still want the formalities expenses with certain collection. Express Changsha when the reporter many 4S inn already no longer when collection, this sale adviser expresses: If be to cancel, car price rose for certain, perhaps do not have the favourable strength that decides formerly.
In a few models that the reporter asks, run quickly, many sale adviser such as BMW all expresses to do not have privilege at present. BMW sells adviser introduction, this inn besides X6 2.0T, because want to give new fund to have,depreciate privilege, the others is all car is fixed price, the price is uniform, without privilege, and there also is an activity inside inn.
Does loan buy a car to compare entire section really more be to one's profit?
In recent years loan buys a car to had made trend trend. Reporter discovery, many cars advocate be plan entire section buys a car originally, guide in what sell adviser finally, allude or all sorts of comparison under, chose loan finally.
"They calculate to me at that time will calculate, say entire section is bought, naked car price does not have privilege, loan is OK little 10 thousand the left and right sides. " Ms. Huang that loan bought a car last year expresses, sensory accrual also is done not have at that time very tall, can favourable more than 10000, place chose loan finally to buy a car.
So, does loan buy a car to compare entire section really more be to one's profit? We will calculate do accounts.
Suppose, some has entire section to buy the consumer of ability to buy new car of 240 thousand some brand. According to explanation of 4s inn government, need is additional pay 6000 yuan of finance service fee, can borrow money 100 thousand yuan, with of 140 thousand head pay will new car to be carried. Calculate again carefully, after 3 years, car section head pay 140 thousand yuan, mortgage 100 thousand yuan, financial service expends 6000 yuan, mortgage accrual 14 thousand yuan, that is to say, total expenditure (computation is sure and do not purchase duty to wait) it is 260 thousand yuan, floriferous 20 thousand yuan.
In this floriferous 20 thousand yuan in, 14 thousand yuan are the accrual of bank collection, 6000 yuan made the additional profit of 4S inn. And, loan buys a car to must want to cast the danger such as danger of the pilfer rush to deal with an emergency that protects a lot of consumer to won't choose, spontaneous combustion to plant, also be the cost with additional brushstroke.
But to this consumer, he does not need this money to make capital have enough to meet need, time of 3 years, lean the old-fashioned way such as conduct financial transactions merely, 100 thousand yuan can not produce redound of more than 20 thousand yuan of conduct financial transactions. And, 100 thousand yuan should return a bank by the month. Cursory consideration, arrive the 2nd year, in the hand of this consumer only odd 66 thousand yuan, arrived the 3rd year, can remain 33 thousand yuan only, the income that wants to obtain 20 thousand yuan is more extremely difficult.
Serve cost besides finance, still these things want discretion!
The card is expended on. According to CCTV finance and economics " economic information broadcast over a radio network " report, of Xi'an this runs quickly car advocate 2 dimension code pays a record is 15575 yuan of money, among them 12575 it is financial service fee, 1500 yuan are guaranty cost, still having 1500 yuan is to go up card fee. What is to go up is the card expended? The staff member of inn of a 4S expresses, card service is expended on even if check car, go up card all cost, this is 4S inn the staff member helps you run the service fee of formalities, when buying a car this also must be handed in, if do not pay car price,meet rise accordingly. And in fact, this process car is in charge of place to receive plate to expend 100 yuan only, driver's license 10 yuan, the certificate that register 10 yuan, altogether 120 yuan, car advocate OK also oneself do.
Cost of delivery of cargo from storage. If say a card to expend 4S inn,the staff member still has a service to be inside, so cost of delivery of cargo from storage does not have li head a bit, when consumer states he buys a car, cost of delivery of cargo from storage and PDI detect cost in all 2000 yuan, and do not have law deduction. Just think, before consumer buys a car to sell the home carry out, must detect ensure quality is no problem, next consumer of car delivery of cargo from storage is carried, what reason receives fund?
Bind insurance. Is rigid insurance be economical still coverts collection " the cost intermediate " ? In visitting a process, 4S inn all added car to be sure to express when the car that seeks advice to the reporter makes a budget, this insurance belongs to what must buy new car in 4 S inn, and the discount that the market consolidates a regulation, ordinal increase discount strength, but the insurance expenses tower above that charge still deals with than him consumer a lot of. Reporter discovery, the danger of pilfer rush to deal with an emergency, spontaneous combustion insurance that buys lesser usually is contained in this kind of insurance, when raising question to the sale, adviser can explain new car needs to buy of all kinds insurance all ready. When enquiring whether car price is favourable, newspaper of distribute chamber of commerce gives two values, one is quote, one is to clinch a deal valence, can explain with all sorts of reason latter is lowermost price, consumer does not have any going to that strive for favourable opportunity.
Excessive maintain. As a result of naked car the sale does not make money, hang even, and 4S inn often is thrown again tremendous, think way for the link after gain is making work, the maintenance of well-known 4S inn and maintaining is very costly, outclass is common inn of vehicle maintenance and repair, but maintain as a result of the car and protect policy couple character, if be not done in 4S inn,maintain, the influence preserves the possibility character, so most car advocate protecting character period inside can go only 4S inn. And the problem that 4S inn has chief engineer of the boast when the opportunity is detecting, let consumer do costlier maintain, make money with this.
Bypass these trap, actually very simple
1.Free choice car borrows a product
The last few years, a lot of banks rolled out a car to borrow a product in succession, record of letter of individual ask forring is good, can look for a bank to deal with a car to borrow directly. But each bank policy each are not identical, need consumer joins oneself case, head for a bank specific seek advice affirmatory.
2.Drive detailed list of the spending that buy a car to change, service detailed account is changed
The sale mode of 4S inn is put in the problem of certain level, bring about consumer rights and interests to be damaged. Accordingly, want to face this mode to have a change from two.
Be told on one hand from the angle of superintendency layer, all charge plain code mark a price, accomplish service detailed account to change, consumptive detailed list is changed, accept on the net directly supervise, superintendency branch also is supervised at any time fulfil a circumstance, if have,violate plan part to be punished in order to weigh, this conduces to necessarily let consumer buy a car to consume obviously for nothing.
On the other hand, tell from the angle of the market, inn of a few 4S can bully guest, partial reason depends on the 4S inn of a brand containing exclusive sex inside certain and geographical area, because this 4S inn just had the background of bargain,enrage. As the development of business of Internet ＋ car, manufacturer of car of a few brands has begun to pursue straight battalion pattern, tesla of more typical manufacturer of the motor-car that be like report, order directly through the website, deserve to send next take a car, plain code marks a price. This kind of mode has been used for manufacturer of a few burgeoning cars, sell mode likely in the future to form a challenge to traditional 4S store. If 4S inn is not thought of change, do not raise service quality and level, entrap consumer, be sure to suffer consumer slam the door.
New Hunan client carries reporter Qin Huiying coverage of press of news of finance and economics of Xinhua News Agency of conformity of contain of Luo Zhi of trainee Yuan great exploit, Tecent, Netease, CCTV
In disappear assist: Fee of service of car sale banking should with the price clearly marked mark a price
Union runs quickly Che Weiquan incident and car consumption domain complain a problem, in disappear assist hold 17 days in Beijing " drive solve a car to consume dimension authority difficult informal discussion " . Wait to financial service fee collect fees does the project have legal laws and regulations to restrain? With " 3 packets " does the regulation reject to return money reasonable? Does authority of car consumption dimension exist what problem? Disappear assist concerned controller had a response to this.
In service of current car sale, put in compulsive consumer to buy add of safe, pay to protect cash pledge or add to keep the problem such as bail, some agency do sth for sb business receives card fee, finance to serve cost more below the circumstance that did not tell customer, still do not open bill, cause consumer to resent strongly.
In disappear assist concerned controller expresses, consumer rights and interests protects code to decide, operator is in trade in the process, answer collect fees entirely project beforehand to consumer bright show, and must not make unreasonable limitation trade compulsively perhaps. Fee of service of car sale banking should with the price clearly marked mark a price, put an end to trade compulsively wait for illegal behavior.
In addition, car sale manages method to make clear a regulation, agency is running a place with proper form bright show etc of sale car, fittings rate of the price of relevant product and each service, must not be sold in the adscititious price that mark a price or collection premium. A replacement of car of demarcate of the person that do not get offset to expend, things, finance, safe, come to help the provider that waits for a product and after service business. When agency sells a car, do not get compulsive consumer to buy insurance to be offerred compulsively perhaps for its do sth for sb car is registered register wait for a service. If have those who violate concerned regulation, by business affairs of place of prefectural class above director branch is instructed correct, can give warning or 30 thousand yuan of the following fine.
[Editor-in-charge: ? of Tao private school
