貸款方案能變更嗎 - 汽車

By Madame
at 2016-08-01T02:33
at 2016-08-01T02:33
Table of Contents
朋友昨天跟我說他買了傳說中的神車ALTIS S+
從賞車到簽約只花了三個小時
問了一下菜單 嗯...
反正就是肥羊單一張
請朋友問業務能不能退訂
結果業務回說車子已領牌 無法退訂
也已超過契約鑑賞期
主要想問的是貸款
他看到小資方案一開始付的錢很少 五年後還可以賣原廠
就簽下去了...
(業務還有提醒他小資方案的利率比較高 但是他就是鬼遮眼)
等到回家後冷靜算了一下
才發現要多付近11萬的利息
後來跟業務說想改為一般貸款
但業務說已經請款下來 無法更改
也不能一次付清 會有違約金的問題
我覺得很奇怪
跟車商貸款60萬
還款方式不管是ㄧ般貸款還是小資方案
車商撥款的金額都是60萬啊
還是說這只是話術 小資方案的利息也算在業務的獎金裡?
如果真的要改打0800會有用嗎
我只能跟朋友說 錢不是這樣花的...
--
從賞車到簽約只花了三個小時
問了一下菜單 嗯...
反正就是肥羊單一張
請朋友問業務能不能退訂
結果業務回說車子已領牌 無法退訂
也已超過契約鑑賞期
主要想問的是貸款
他看到小資方案一開始付的錢很少 五年後還可以賣原廠
就簽下去了...
(業務還有提醒他小資方案的利率比較高 但是他就是鬼遮眼)
等到回家後冷靜算了一下
才發現要多付近11萬的利息
後來跟業務說想改為一般貸款
但業務說已經請款下來 無法更改
也不能一次付清 會有違約金的問題
我覺得很奇怪
跟車商貸款60萬
還款方式不管是ㄧ般貸款還是小資方案
車商撥款的金額都是60萬啊
還是說這只是話術 小資方案的利息也算在業務的獎金裡?
如果真的要改打0800會有用嗎
我只能跟朋友說 錢不是這樣花的...
--
Tags:
汽車
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