關於信貸跟車貸利率比較? - 汽車
By Frederica
at 2018-12-03T01:19
at 2018-12-03T01:19
Table of Contents
不好意思最近想買小車約60萬
自備30萬貸款30萬
目前車商配合車貸有分
1. 年利率3.14 48個月年限 總利息為19626
2.0利率補貼 先繳利息 年利率2.46 48個月年限 總利息為15309
也有爬文信貸
1.年利率3.5% 開辦費$2000 APR3.77%
2.年利率2.95% 開辦費$6000 APR3.77%
3.年利率2.99% 開辦費$5000 APR3.67%
目前車貸應該就沒有開辦費的問題應該就是基本的利率是嘛?
那為何大家還是有說信貸是比車貸低的?
還是有指因為信貸等同於拿現金去買,所以如果現金價大於利息差額就是
信貸比較划算的意思?
不好意思再麻煩各位指教
--
自備30萬貸款30萬
目前車商配合車貸有分
1. 年利率3.14 48個月年限 總利息為19626
2.0利率補貼 先繳利息 年利率2.46 48個月年限 總利息為15309
也有爬文信貸
1.年利率3.5% 開辦費$2000 APR3.77%
2.年利率2.95% 開辦費$6000 APR3.77%
3.年利率2.99% 開辦費$5000 APR3.67%
目前車貸應該就沒有開辦費的問題應該就是基本的利率是嘛?
那為何大家還是有說信貸是比車貸低的?
還是有指因為信貸等同於拿現金去買,所以如果現金價大於利息差額就是
信貸比較划算的意思?
不好意思再麻煩各位指教
--
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汽車
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