開開心心買車時,通常這時Sales一定會問你:現金還是貸款?我們公司有提供優惠汽車貸款…..叭啦叭啦的….。Sales的熱心,可以幫你把保險、貸款等等繁雜的事全部搞定!

但除了車商一條龍的購車服務,還有其他車貸申請的管道嗎?

不管你是小有積蓄想晉升「有車階級」,還是為了通勤不得不買車,該怎麼買車最划算?又有哪些看不見的花費需要注意呢?

汽車貸款的利率從新車貸款、二手車貸款、原車融資等,所有方案都完全不同,可以貸款的金額從汽車價值的90%~200%都有,在挑選最低的汽車貸款利率前,您也要了解哪一種方式比較適合您來申辦。

在眾多車貸廣告中,想要找到最低利率的汽車貸款並不難,但是要如何在這個資訊複雜的時代找到最適合的方案確實需要花點功夫,很容易就會被低利率的車貸廣告文宣給騙走,只有在最後實際核貸出來的額度利率期數才是真的!

汽車貸款利率每一種管道計算方式都不同,只有真正的找到適合自己的管道,才有辦法找到「最低車貸利率」。畢竟買車和買房不同,房子還可能升值,但車子卻是從成交當天起,就開始快速貶值。況且「買車容易養車難」,養車所需的必要開銷,並不亞於買車的花費。

各大銀行汽車貸款利率(已更新為最新資訊)

銀行名稱 貸款利率 月繳金額
三信銀行 2.66%起 每月5,345元起
新光銀行 2.8%起 每月5,364元起
永豐銀行 2.8%起 每月5,364元起
聯徵銀行 2.88%起 每月5,375元起
台新銀行 2.88%起 每月5,375元起
陽信銀行 3.0%起 每月5,391元起
國泰世華銀行 3.14%起 每月5,409元起
土地銀行 3.5%起 每月5,458元起
星展銀行 4.0%起 每月5,525元起

*圖表僅供參考,依據每間銀行實際情況不同*

汽車貸款利率怎麼算?
汽車車貸利率大約多少?購買新車貸款利率約 2~3% 左右,購買中古汽車貸款利率約在 4~10% 左右,依據個人條件而有所不同。

申辦新車貸款或二手車貸款也會影響汽車貸款利率高低:

  1. 購新車貸款:新車貸款有時候車商會幫您搭配當月推出的優惠專案,從0利率、0頭款、贈送各種禮品的都有,當然貸款不可能不用利息只是被加到您的車價裡面,再購買新車的時候也建議要把所有費用一起考量進去,有些新車貸款的利率約在2%~5%比較常見。
  2. 購二手車貸款:購買二手車就沒辦法像新車那樣優惠,通常是搭配銀行(2%~5%不等)或融資公司(5%~8%不等)來進行購買二手車的貸款,根據您所申貸的條件都會影響利率。
  3. 原車融資:當您原本已經有汽車,不論是否有貸款都可以進行轉增貸,依據汽車殘值來換算可貸金額最高為車價的150%~200%,通常是搭配銀行(2%~5%不等)或融資公司(5%~8%不等)來進行原車融資。

汽車貸款如何申請到最低利率?
不論您申辦那一種汽車貸款,最後都還是與您的個人條件息息相關,當您提供的審核資料越齊全,除了過件機率過高之外,車貸利率也有辦法爭取到最低。在申辦車貸前您可以先看看是否有符合這些因素:

  1. 年滿20歲以上(成為法定可貸款的年紀)
  2. 車種沒有限制,車齡最好是14年以內
  3. 個人財力證明,薪轉或勞保都可以當作您個人的財力證明
  4. 個人信用評分
  5. 汽車的殘餘價值

申辦車貸會以汽車來抵押,通常你的聯徵結果不好,過件率也是很高,需要資金周轉推薦用這方式貸款。

汽車車貸申辦注意事項!
車貸方案多元,在辦理前我建議有以下幾點您必須要先了解,這會是最重要的問題:

  1. 0利率陷阱:有些車會會推出車貸零利率專案,您以為可以分期付款又不用支付利息有這麼好嗎?但…通常零利率的優惠只是吸引您的招數,貸款利息的部分就由車商負擔,自然就會轉價到車價上面少了折價空間。
  2. 評估還款能力:在尋找最低利率的車貸同時,別忘了分期的期數也是重要的考量,假如貸款出來的月繳金額太高而影響您的生活品質也不太好。
  3. 多家比較:車貸管道太多元,同樣的款車在不同的車商,卻有可能出現不同的優惠方案,通常車商可以給予的優惠,就是價格、利率及配備,建議多家比較看看。
  4. 低利率玄機:每一種貸款都有正常的行情利率,萬一業務提供給您的利率是這個市面上沒有出現過的,您可能要思考一下使否為話術還是另藏玄機,畢竟天下沒有白吃的午餐唷。
  5. 考慮用信用貸款:信貸利率從5%~9%不等,假如您可以拿到信貸超優惠利率3%左右,轉而使用信貸來代替車貸,善用這方式可以省不少錢前面有講到新車和中古車利率的合理範圍,或許可以替您省下一筆費用。
  6. 考慮用房屋貸款:房屋貸款利率更低再1.57%~2.5%不等,如果您有房屋或許也可以用來房屋增貸買車,也可以節省不少的費用以及貸款到更高的金額,或許買車還有錢可以拿唷。

汽車貸款申請流程
5個步驟輕鬆申辦汽車貸款:

  • 估價:提供您的行照與貸款情況,馬上就可以幫您試算可貸款金額與月繳金額,評估是否符合您的需求。
  • 申請:申貸條件可以接受後,備齊所有相關資料進件審核。
  • 審核:由銀行或融資公司進行徵信審核階段。
  • 對保:審核過了之後,就可以幫您安排對保填寫相關設定書類文件等待撥款。
  • 撥款:設定完成後就馬上撥款運用資金唷。

車貸利率試算小心有陷阱?5訣竅教你如何判斷

車貸試算公式雖然可以依據你的需求,算出利率最低方案,實際還需看汽車貸款合約內容,有些方案並非是固定利率,這就需看平均利率是否划算;銀行在廣告主打低利率方案,通常也非真實合約利率,一般都有所限制,簽約時要問清楚。

車貸利率怎麼算可以依據幾個標準來判斷:

  1. 新車貸款利率約2.5%~5%之間,未落地的新車是可以談到更低利率,一年以內的車,通常都歸類於比較新的車。
  2. 中古車貸利率約5%~11%之間,中古汽車貸款利率範圍一定比較大,銀行還要評估你的汽車殘餘價值有多少,再來決定給你的利率。
  3. 利率會直接影響你每月繳款金額,當然希望銀行車貸利率越低越好,但是低於行情太多還是要小心。
  4. 新車或中古車的利率範圍還是不小,建議找熟悉朋友幫忙,畢竟要談到低利率合約沒那麼容易,甚至還需要點門路。

代辦這個行業因為不需要考試,甚至您只要有台電腦,印個幾張張名片,你都可以說自己是代辦,素質參差不齊,所以挑選信譽優良的代書貸款經理人的是非常重要。

車貸的部分必須分兩個部分來說,
畢竟新車與中古車還是不一樣的。

新車:

有很多車主會問我買新車能不能0利率,能不能免頭款,這是一般人最想知道的問題,就讓我來為你們細細解說。

其實根本沒有什麼0利率這種事,一切都只是車商的廣告噱頭,畢竟羊毛出在羊身上。假設車商賣一臺80萬的車,可以60萬0利率分期,這時候如果你是現金購買,其實車價是可以直接少3萬以上甚至更多的,因為0利率其實只是車商將車貸的利息事先給了銀行而已,假設你現金購車,車商也省下利息的支出,所以車價也會相對更有空間。

值得注意的是:向車商貸款通常會連同車險等一起包辦,雖然方便,但車商的貸款方案在車貸利率的部分較不透明,甚至很多主打0利率分期貸款的購車方案其實都有現金折價空間。

至於全額貸的部分,實際情況來說是不行的!目前新車車貸最高能貸到車價9成,如果在加上領牌與保險費用,所以如果您現在有購車打算,建議頭款至少準備兩成以上才較為保險。

中古車:

(買賣)

許多車友常問我買了一輛車30萬,能不能全額貸或超貸,其實當你這樣問一開始就錯了,你買30萬是市價,但是銀行看的卻是權威價的,而一般權威價是低於市價一成左右,如果是熱門車甚至是差到兩成以上的。

簡單來說,你車買30萬,而該車權威價是27萬,想要全額貸基本不是問題,但是當然條件不能太差,還是可以做的到的,但如果你一心只想超貸也不是不可能,但你首先要讓賣方將車以低於市價賣你,通常這種車的車況都不會太好,不是事故車就是曾經是計程車才較有可能的,所以網友如果真的要買車還是不要貪小便宜,車況才是王道,畢竟車是買來開的,不是買來修的。

(轉增貸)

此外!這是來電詢問最常遇到的案件,就是車子有貸款又在當鋪借錢車押在當鋪,還能不能貸款將車從當鋪贖回這類的問題。其實當然還是有辦法的,但是前提是車子增貸的空間能夠補足你現在銀行貸款及當鋪的欠款,且銀行的車貸不能逾期,信用也必須正常,否則就不能以轉增方式辦理,只能以買賣方式來辦理了。


至於哪個管道是最適合你?
1.資產狀況、2.職業收入、3.欲貸款的汽車標的物為何。

<資產狀況>

如果你有不動產、而且正在貸款, 何不跟銀行再申請增貸(增貸辦理挺簡便)?

因為房貸的利率比起信用貸款以及汽車貸款的利率要來得低很多, 若申請年限長(房貸可申請20~30年 、信貸車貸則不高於7年), 所負擔的月付金相對就會輕鬆很多! 甚至可以因此考慮買預算高一些的車子!

房貸利率平均 2%~3% , 信貸或車貸 3%~10%以上 , 相較之下利息確實可以省很多!
不過房貸申請較為複雜, 撥款速度約要 1~2 週。

<職業收入>

如果你嫌房貸車貸必需抵押麻煩,而正巧你的工作職業是銀行喜歡的目標客戶, 那麼就應該好好利用!
例如:就聽過某銀行曾辦過一位外商公司高階主管全額申請信貸, 買了一台500多萬的 BMW X5M , 沒有抵押 , 完全憑藉信用與職收條件 … 利率還接近房貸;扣除房貸相關設定費用反而成本較低, 放款速度也快!

至於銀行喜歡的信用貸款目標客戶是什麼呢?

一般來說是:

*任職上市櫃或金融機構
*任職資本額大於5仟萬之公司
*專業人士(律師、醫師、會計師、建築師等)
*公務員、教師

善用身份職業,可以獲得比一般車貸更便宜的貸款利率!

<貸款汽車標的>

如果購買的是新車許多車商有「0 利率」分期付款,通常只能跟車商提供方案申貸,而銀行並沒有這樣的專案,不過羊毛出在羊身上,反而因零利率車款有現金折價空間,不妨先向車商詢問現金付款價差,再比較銀行車貸利率後再決定,自行辦理車貸較有利。

如果購買的是二手車二手車購車貸款,部分銀行也有承作,二手車商亦有配合的資融公司,但後者的利率通常不甚透明。以我們的立場當然還是建議向銀行直接申請車貸在個人資料安全上是最有保障的。

舊車貸款(原車融資)一般是指短期資金需求,視既有的車的殘值來申請貸款,部分銀行有承作,資融公司非常積極在推廣,許多資融公司會用電話行銷詢問客戶是否有資金需求就屬此類…!不過利率通常較高。

若銀行信用狀況良好我們建議直接跟銀行申請信用貸款利息成本可能還低一些。

溫馨小提醒:

網友們千萬不要讓自己的車被當舖流當了,一但流當變成權利車,欠的可不止銀行貸款,還會欠稅與罰單,日後連買車 / 換車 / 更換行照都不能的。

申辦汽車貸款前建議先透徹了解後,請專業車貸顧問協助評估才能真正得到最優惠的方案,將您的愛車開回家。此外!原車融資不是每間銀行都有承辦,假使經常往來的銀行剛好沒有汽車貸款方案或開出的方案選擇很少,就可能貸不到符合您需求的貸款。這時尋求專業車貸顧問協助的最大優點就是不受銀行&車商限制,可協助多方比較車貸利率,取得最優惠的貸款資金。

汽車貸款陷阱:假養信用 真車貸詐騙
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