車貸利率請益 - 汽車
By Wallis
at 2021-05-10T22:09
at 2021-05-10T22:09
Table of Contents
※ 引述《GDstyle (不要鬧了)》之銘言:
: ※ 引述《coolcoolder (酷酷德)》之銘言:
: : 小弟最近看車啦
: : 業務跟我說利息1.8%
: : 但是利息要先付掉啦
: : https://i.imgur.com/xro9yLD.jpg
: : 以上圖來看貸84萬 利率1.8%
: : 所以有51,325元的利息錢要先付掉
: 哈,沒錯這就是車貸的算法
: 利息先付掉,綁約一年
: 840000-51000=789000
: 就是你還沒開始計息先吐利息出去
: 哇靠我才借一天就先付51000,潮爽
: 等於這個放款在你剛使用第一天就先吸完利息
: 根本爽
: 你先繳51000,變相你實拿84-5萬=79萬
: 讚讚
: 84+5.1=89.1
: 你到時綁約滿一年要結清
: 就是891000 -(10650*12)
: 根本潮爽,借款一年本金就回收
: 七年來的利息還在第一年就一次吸飽
: 爽翻啦!
亂算一通,貸款84萬84期
撥款79萬,銀行會把利息5萬扣掉
實際上還是貸84萬
因為利息已經付了,所以每期1萬
雖然說這方式沒人提早結清
但你既然愛算,就跟你算
以你講的一年結清
那餘款是84-(10000*12)
看不懂你在算什麼
幹嘛把5萬利息也加上去變89萬
然後利息都付完了,月付為什麼是10650
亂算一通還有人推
: : 本來想說 先付就付吧
: : But業務說 如果不想拿這麼多現金
: : 也可以把利息貸進去唷
: : 等於總共貸了84萬+51,325=891,325
: : 想請問理組跟財會大大,可以幫我看一下
: 先付跟後付都是差不多意思
差多了,總利息差2萬多
: : 這樣利息變成多少了
: : 月繳10612?(不太確定)
: : 感謝啦
: : -----
: : Sent from JPTT on my iPhone
: 一個是自行先吐利息,少拿本金
: 但拿原始本金來跑息
: (我沒拿那麼多本金卻要算84萬的本金跑利息?)
邏輯錯誤,那5萬是利息
付完利息後,那84萬是沒利息的
也就是1期只要付1萬
: 一個是利息先貸給你,拿來再滾一次利息
: 怎麼算都潮爽
: 好啦我可能擋到人財路
: 不要靠北我
算一年結清才會覺得原PO被海薛
才貸一年就要付51325利息
這利息是貸七年的總利息
你幹嘛故意講成一年結清
如果要一年結清
貸一年就好了啊,利息才8134元
用這種補貼息(先結清利息)的方式
本來就沒打算提早結清
想提早結清的,會用本利攤
看原PO文就是車款差84萬,所以貸84萬
補貼息利率1.8
先繳息51325,月付10000
為什麼貸89萬就不用拿現金來付這利息
因為車款只差84萬
貸891325補貼息利率1.8實撥是836865
先繳息54460月付10612
840000-實撥836865=3135元
簡單說就是超貸的概念
如果不考慮提前結清,這才是聰明的方式
利率是補貼息的利率1.8
本利攤利率不考慮車廠專案是2.6
但又跟本利攤一樣,不用先拿一筆現金出來
簡單說都不提前結清的情況下
本利攤是貸84萬月付10949總利息79716
超貸把補貼息的利息算進去
是貸891325月付10612總利息54460
-----
Sent from JPTT on my iPhone
--
: ※ 引述《coolcoolder (酷酷德)》之銘言:
: : 小弟最近看車啦
: : 業務跟我說利息1.8%
: : 但是利息要先付掉啦
: : https://i.imgur.com/xro9yLD.jpg
: : 以上圖來看貸84萬 利率1.8%
: : 所以有51,325元的利息錢要先付掉
: 哈,沒錯這就是車貸的算法
: 利息先付掉,綁約一年
: 840000-51000=789000
: 就是你還沒開始計息先吐利息出去
: 哇靠我才借一天就先付51000,潮爽
: 等於這個放款在你剛使用第一天就先吸完利息
: 根本爽
: 你先繳51000,變相你實拿84-5萬=79萬
: 讚讚
: 84+5.1=89.1
: 你到時綁約滿一年要結清
: 就是891000 -(10650*12)
: 根本潮爽,借款一年本金就回收
: 七年來的利息還在第一年就一次吸飽
: 爽翻啦!
亂算一通,貸款84萬84期
撥款79萬,銀行會把利息5萬扣掉
實際上還是貸84萬
因為利息已經付了,所以每期1萬
雖然說這方式沒人提早結清
但你既然愛算,就跟你算
以你講的一年結清
那餘款是84-(10000*12)
看不懂你在算什麼
幹嘛把5萬利息也加上去變89萬
然後利息都付完了,月付為什麼是10650
亂算一通還有人推
: : 本來想說 先付就付吧
: : But業務說 如果不想拿這麼多現金
: : 也可以把利息貸進去唷
: : 等於總共貸了84萬+51,325=891,325
: : 想請問理組跟財會大大,可以幫我看一下
: 先付跟後付都是差不多意思
差多了,總利息差2萬多
: : 這樣利息變成多少了
: : 月繳10612?(不太確定)
: : 感謝啦
: : -----
: : Sent from JPTT on my iPhone
: 一個是自行先吐利息,少拿本金
: 但拿原始本金來跑息
: (我沒拿那麼多本金卻要算84萬的本金跑利息?)
邏輯錯誤,那5萬是利息
付完利息後,那84萬是沒利息的
也就是1期只要付1萬
: 一個是利息先貸給你,拿來再滾一次利息
: 怎麼算都潮爽
: 好啦我可能擋到人財路
: 不要靠北我
算一年結清才會覺得原PO被海薛
才貸一年就要付51325利息
這利息是貸七年的總利息
你幹嘛故意講成一年結清
如果要一年結清
貸一年就好了啊,利息才8134元
用這種補貼息(先結清利息)的方式
本來就沒打算提早結清
想提早結清的,會用本利攤
看原PO文就是車款差84萬,所以貸84萬
補貼息利率1.8
先繳息51325,月付10000
為什麼貸89萬就不用拿現金來付這利息
因為車款只差84萬
貸891325補貼息利率1.8實撥是836865
先繳息54460月付10612
840000-實撥836865=3135元
簡單說就是超貸的概念
如果不考慮提前結清,這才是聰明的方式
利率是補貼息的利率1.8
本利攤利率不考慮車廠專案是2.6
但又跟本利攤一樣,不用先拿一筆現金出來
簡單說都不提前結清的情況下
本利攤是貸84萬月付10949總利息79716
超貸把補貼息的利息算進去
是貸891325月付10612總利息54460
-----
Sent from JPTT on my iPhone
--
Tags:
汽車
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