Is the Handling Fee for Car Mortgage Reasonable?

[MacIris]

It is unreasonable to charge a handling fee for car mortgages. Here’s why: 1. When financing a car purchase, there is no need to pay a handling fee to the 4S store salesperson, as they may not be able to assist the buyer at all. Any issues can be directly communicated with the bank representative stationed at the dealership, including preparing documents and subsequent bank face-to-face signing. This process involves direct one-on-one communication between the customer and the loan officer, without any intermediary services, so this handling fee is unnecessary; 2. If the customer has a good credit record, securing a bank mortgage should not be an issue. The customer can directly refuse the 4S store’s request to pay a handling fee. If the salesperson persists, the customer can simply state that the loan has already been fully processed and they are coming to the 4S store to pay in full. Many dealerships have policies that penalize sales staff if customers opt for full payment; 3. Additionally, there is no need to pay for license plate fees. The car itself comes with a temporary license period, allowing the buyer to handle the registration themselves. If the 4S store arranges someone to do it, it will incur another significant fee.