鶯歌TOYOTA購車不愉快的經驗 - Toyota
By Sierra Rose
at 2019-07-18T17:55
at 2019-07-18T17:55
Table of Contents
既然這麼熱鬧,就順便分享一下我買領牌車的不愉快經驗吧!
有些領牌車真的可以很便宜
尤其是業務為了獎金領下來的車,要脫手真的可以少很多
當年我在差沒多遠另一牌的展示間跟業務買車
確實有跟我說是領牌的業績車,所以可以折很多
我是覺得領牌沒差啦,反正也沒打算幾年就要賣
就跟業務開始處理車款問題了
原本車款其實我可以一次現金付清
不過在業務的慫恿之下跟我自己考量後決定貸40萬的車貸4年
業務說我的條件不錯,軍公教可以貸到3%以下的利息,一個月只要繳九千出頭的車貸就好
接下來有些人應該就知道,核貸的過程有些根本就不會告訴你利率多少,尤其不是跟銀行
貸款的
打來對保,順便對方問利率時,也只會說業務不是跟你說了嗎?
我就說;業務是跟我說我的條件應該不會超過3%
貸款業務:喔喔,就大概是業務說的那樣啊
我:喔好,那就貸吧
結果我的繳費單下來,一個月要繳一萬一千多
我問業務:我覺得金額怪怪的
業務說:這樣沒錯
我問:你不是說我貸不用3%嗎?
業務說:我說是大概那個範圍啦,而且還要看時間長短,利息也會比較多........
算了,還是相信業務不會騙我
繳了七期左右,越想越不對
直接打去銀行問我的利率
銀行跟我說:我的利率是8%多
我問:怎麼會那麼多?業務跟我說3%而已
銀行說:資料上只看到你的是新古車,其他好像沒有什麼優惠條件
我:我是軍公教人員,沒有再更低的嗎?
銀行:這個資料沒看到耶
我:沒有嗎?請問跟你們申辦的業務是不是還有獎金?
銀行:應該是有喔,我們核利率有一個基數,如果超過那個,有一部分是業務的回扣
我:那我提早解約呢?
銀行:現在幫你算一下,解約加違約金要41萬多喔!
我:我前面已經繳了七萬多,我只借40萬,我還提早還款,,這樣我借40萬七個月還48萬
多耶,違約金不能少點嗎?
銀行:我問過不能,這筆獎金業務領走了,我們不可能虧錢,還是要繳喔!
是銀行還是融資公司我不太記得了
名稱印象中很像銀行
最後銀行問我:我們對保完還有一張什麼書的要簽,上面有寫利率,你沒簽到嗎?
我:我沒看過你說的那張,而且我如果知道利息這麼高,我一定現金買車
銀行:你現在意思是那張單子你沒簽過名?
我:我非常確定我沒看過你說的那張
銀行:我知道了
隔天業務打來
劈頭說:你為什麼跟銀行說你沒簽過那張單子?
我:你有給我簽嗎?
業務:我們法務來查我的所有case
我:那也不是我的事,你有拿貸款的文件給我簽過嗎?
業務:我們都為了快點幫你們辦好,先幫你們簽了啊!
我:是為了快?還是為了騙我們辦高利息的貸款?你好賺獎金?我沒有逼你要把領牌車便
宜賣我,是你跟我介紹你有一台已領牌,只要多少錢,我覺得可以我跟你買,也沒有跟你
殺價,你覺得你要賺一點你可以直接講,也可以直接灌在車價上,如果我跟你殺價,你靠
貸款再賺獎金我覺得還說的過去,但是我沒跟你殺過價也沒要贈品,車價是你開的,你為
了再多賺點,騙我辦高利息的貸款就不ok。
最後那個業務好像被公司辭退了
也被他們法務提偽造文書
因為好像抓出一堆他自己幫客戶簽名的案子
--
有些領牌車真的可以很便宜
尤其是業務為了獎金領下來的車,要脫手真的可以少很多
當年我在差沒多遠另一牌的展示間跟業務買車
確實有跟我說是領牌的業績車,所以可以折很多
我是覺得領牌沒差啦,反正也沒打算幾年就要賣
就跟業務開始處理車款問題了
原本車款其實我可以一次現金付清
不過在業務的慫恿之下跟我自己考量後決定貸40萬的車貸4年
業務說我的條件不錯,軍公教可以貸到3%以下的利息,一個月只要繳九千出頭的車貸就好
接下來有些人應該就知道,核貸的過程有些根本就不會告訴你利率多少,尤其不是跟銀行
貸款的
打來對保,順便對方問利率時,也只會說業務不是跟你說了嗎?
我就說;業務是跟我說我的條件應該不會超過3%
貸款業務:喔喔,就大概是業務說的那樣啊
我:喔好,那就貸吧
結果我的繳費單下來,一個月要繳一萬一千多
我問業務:我覺得金額怪怪的
業務說:這樣沒錯
我問:你不是說我貸不用3%嗎?
業務說:我說是大概那個範圍啦,而且還要看時間長短,利息也會比較多........
算了,還是相信業務不會騙我
繳了七期左右,越想越不對
直接打去銀行問我的利率
銀行跟我說:我的利率是8%多
我問:怎麼會那麼多?業務跟我說3%而已
銀行說:資料上只看到你的是新古車,其他好像沒有什麼優惠條件
我:我是軍公教人員,沒有再更低的嗎?
銀行:這個資料沒看到耶
我:沒有嗎?請問跟你們申辦的業務是不是還有獎金?
銀行:應該是有喔,我們核利率有一個基數,如果超過那個,有一部分是業務的回扣
我:那我提早解約呢?
銀行:現在幫你算一下,解約加違約金要41萬多喔!
我:我前面已經繳了七萬多,我只借40萬,我還提早還款,,這樣我借40萬七個月還48萬
多耶,違約金不能少點嗎?
銀行:我問過不能,這筆獎金業務領走了,我們不可能虧錢,還是要繳喔!
是銀行還是融資公司我不太記得了
名稱印象中很像銀行
最後銀行問我:我們對保完還有一張什麼書的要簽,上面有寫利率,你沒簽到嗎?
我:我沒看過你說的那張,而且我如果知道利息這麼高,我一定現金買車
銀行:你現在意思是那張單子你沒簽過名?
我:我非常確定我沒看過你說的那張
銀行:我知道了
隔天業務打來
劈頭說:你為什麼跟銀行說你沒簽過那張單子?
我:你有給我簽嗎?
業務:我們法務來查我的所有case
我:那也不是我的事,你有拿貸款的文件給我簽過嗎?
業務:我們都為了快點幫你們辦好,先幫你們簽了啊!
我:是為了快?還是為了騙我們辦高利息的貸款?你好賺獎金?我沒有逼你要把領牌車便
宜賣我,是你跟我介紹你有一台已領牌,只要多少錢,我覺得可以我跟你買,也沒有跟你
殺價,你覺得你要賺一點你可以直接講,也可以直接灌在車價上,如果我跟你殺價,你靠
貸款再賺獎金我覺得還說的過去,但是我沒跟你殺過價也沒要贈品,車價是你開的,你為
了再多賺點,騙我辦高利息的貸款就不ok。
最後那個業務好像被公司辭退了
也被他們法務提偽造文書
因為好像抓出一堆他自己幫客戶簽名的案子
--
Tags:
Toyota
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