What does vehicle registration mortgage fee mean?

[MiguelRose]

When registering a vehicle that requires mortgage processing, the vehicle registration certificate needs to be mortgaged to the financing company, which incurs a mortgage fee. The vehicle registration certificate can be retrieved after the final payment is settled. Below are relevant explanations: 1. Article 58: The tax basis for fixed assets is determined as follows: For purchased fixed assets, the tax basis includes the purchase price, related taxes and fees, and other expenditures directly attributable to preparing the asset for its intended use. 2. Loan purpose: Loans using vehicles as collateral are primarily intended for automobile consumption. Banks generally do not provide vehicle mortgage loan services; such services typically require applying through specialized private credit institutions.

[AubreeAnn]

Last time I bought a new car and went through the license plate registration, I encountered the 'license plate mortgage fee,' which is essentially the vehicle mortgage registration cost. Simply put, if you finance a car, the bank uses the vehicle as collateral, and the mortgage must be registered during the license plate process, incurring a service fee. The 4S shop charges this fee for handling the paperwork, including filing the mortgage record with the transportation department. I was charged over 800 yuan that time, but later, after asking friends, I found out this fee isn’t fixed—it can range from 200 to 2000 yuan, entirely depending on the dealership’s pricing. I recommend checking the contract terms before purchasing and asking which fees are mandatory government charges and which are negotiable service fees to avoid overpaying. After all, the money saved can buy more gas and take you further!

[SanAsher]

As a young person who just bought my first car, I was also confused by this mortgage fee. Actually, it's the sum of miscellaneous charges for handling the mortgage registration during vehicle licensing. For example, if you buy a car with a loan, the bank needs to register the car as collateral, and the 4S shop collects this service cost on their behalf. Last time I was charged 1,200 yuan, but after checking the information, I found that I could handle it myself or choose a cheaper agent. The fee usually includes document printing, agent errands, and service charges. Nowadays, with many people buying cars, dealerships tend to add extra charges randomly. A friend of mine was once cheated. My advice is not to rush into signing when buying a car, ask for details, and try to negotiate the price if possible. The money saved could be enough to buy some car accessories.

[LeilaAnn]

As a car owner, I've experienced the license plate mortgage fee. Essentially, it's a service charge for the mortgage registration during the vehicle licensing process, covering the bank or 4S store's legwork to confirm the car serves as loan collateral. The fee can vary depending on how the dealer calculates it, but it generally includes some administrative costs. My advice is to budget for this in advance when purchasing a car to avoid dealers adding extra items. Just go through the formal process—keeping it hassle-free and cost-effective is what matters most.