請教利率問提 - 汽車
By Dora
at 2017-04-06T20:03
at 2017-04-06T20:03
Table of Contents
看到一些板友很熱心幫忙算年利率，其實有可能看還款總額去反算年利率看不出來銀行標示的年利率，可能總還款金額含一些有的沒的費用。
建議問清楚“總費用年百分率”，金管會早就規定銀行必須公布“總費用年百分率”。
看這個是假不了的，利率可以很低但總費用百分率卻是很高的。
所以原PO的例子有可能銀行標示年利率是4.5%，但總還款金額反算一定高於4.5%。
http://moneywise.fsc.gov.tw/main/tool2.aspx
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建議問清楚“總費用年百分率”，金管會早就規定銀行必須公布“總費用年百分率”。
看這個是假不了的，利率可以很低但總費用百分率卻是很高的。
所以原PO的例子有可能銀行標示年利率是4.5%，但總還款金額反算一定高於4.5%。
http://moneywise.fsc.gov.tw/main/tool2.aspx
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