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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    Arguments within Like (Economic Positive aspects):

    Work Development: Gambling establishments will be work-intensive, producing professions in welcome, protection, administration, and much more.

    Income tax Profits: Authorities impose considerable obligations on gaming hall profits, which may pay for community and public companies like education, structure, and also social plans.

    Travel Increase: Key casino places appeal to national and also international tourists, helping the entire regional financial system (airways, resorts, restaurants).

    Urban Restoration: Casino houses may act as motivators with regard to regenerating damaged places, since witnessed within components associated with Ocean Metropolis along with Motor city.

    Quarrels In opposition to (Public Costs):

    Trouble Game playing and also Habit: This is usually the actual nearly all considerable interpersonal price. Pathological gambling might guide in order to financial spoil, debt, insolvency, criminal offense, and severe emotional well being problems, destroying individuals as well as people.

    Raised Criminal acts: Scientific studies own associated casinos for you to improves inside local criminal offense rates, such as thievery, rip-off, and also misappropriation.

    Unfavorable Sociable Externalities: These types of may consist of a go up inside individual and personal individual bankruptcy prices, raised need regarding public services, as well as any prospective decline throughout nearby home values.

    A “Regressive Duty” Influence: Detractors argue that casino houses properly purpose as any reverse duty, as lower-income people invest a larger proportion of their own earnings on wagering than affluent versions.

    A Therapy involving Wagering: Precisely why We all Participate in

    Casinos effectively utilize proven intellectual biases and emotional fundamentals:

    Periodic Reinforcement: Slot devices are usually a greatest case in point. This doubtful, infrequent earnings develop the powerful and also obsessive reward period significantly stronger as compared to continual winning.

    A Misconception involving Control: Games enjoy blackjack along with dice throwing throughout craps table help to make participants sense its expertise as well as “technique” can influence an end result which will can be finally arbitrary and capricious.

    A “Close to a win” Influence: Whenever the port equipment shows a couple of lottery jackpot icons and also the actual third merely misses, the brain processes the idea in the same way to a good actual win, inspiring additional participate in.

    Committed Charge Fallacy: The thinking that will right after committing any substantial quantity associated with income, 1 must carry on playing to be able to “succeed that back.”

    This Electric Trend: Internet Casinos

    The actual world wide web provides democratized entry to be able to gaming hall game playing, producing any new established of difficulties and also options and opportunities.

    Convenience and Convenience: Players can easily risk 24/7 through the properties or even mobile devices, dramatically growing availability as well as this probable for issue wagering.

    The Wider Sport Selection: On the internet gambling establishments provide hundreds associated with position versions along with desk game titles in almost all share ranges.

    Bonuses and Special offers: For you to bring in participants, internet tools supply enroll bonuses, cost-free re-writes, and loyalty courses, that can easily end up being complicated and appear on the scene together with rigid betting requirements.
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    Control and also Protection: The validity associated with on the internet game playing adjustments commonly by authority. Respectable websites use security encryption along with are usually certified simply by regulatory physiques (as an example, the United kingdom Game playing Commission, Malta Video gaming Expert), yet unregulated, scoundrel operators likewise can be found.

    Verdict

    The actual betting casino is usually a new complex school, the sign involving elegance as well as excitement with regard to a few, and also a origin regarding ruin along with craving pertaining to other folks. That is usually a strong monetary powerplant which can fuel development yet in addition carries considerable sociable fees. As the actual sector continues to be able to evolve with technological innovation, expanding in to online reality as well as crypto-centered tools, the fundamental principles stay the actual exact same: the residence advantage is never ending, along with the environment can be meticulously produced in order to preserve participants playing. Pertaining to the actual individual, the actual important to fascinating with this globe lies throughout comprehending these types of devices, establishing rigid limitations, and also observing just about any cash invested not necessarily as an expense, however because the selling price paid pertaining to amusement—entertainment that, statistically, generally favors this house.

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  • An gambling casino house is far much more as compared to only the building using slot machine machines and also card tables. It can be any thoroughly created setting created to distinct supporters by their income through the combination of amusement, emotional science, and also immutable mathematics. Through the luxurious halls of residence of Montevideo Carlo approach to be able to the full of life strips of land regarding Vegas Nevada and the actual electronic domain names regarding internet tools, casinos signify the vast money worldwide industry filled along with the two charm and debate.

    Exactly what will be any Gambling establishment? Beyond this Online games

    In its primary, a casino is the ability that homes as well as caters to particular sorts regarding betting routines. The actual widespread denominator will be a “home edge”—a numerical advantage created directly into every video game which will ensures a casino transforms a income above the actual long term.

    Primary Betting Services:

    Table Video games: These kinds of consist of online games involving likelihood as well as partly talent distributed through stay dealers.

    Pontoon: An greeting card online game where people take on against this dealer to be able to get a new fretting hand value best to be able to twenty one without surpassing that. It can be one associated with the actual handful of game titles wherever gamer skill may decrease a house advantage.

    Roulette game: The natural video game of chance wherever people guess about where the soccer ball will territory about the content spinning rim.

    Craps: A energetic cube video game requiring sophisticated betting in a result associated with the actual rolls.

    Baccarat game: One basic evaluating greeting card video game, popular amongst high tires, where people bet on if the “Gamer” or even “Banker” hand can win.

    Texas holdem: Contrary to other games, in poker, gamers compete in opposition to each various other. This casino can make cash by taking on a little percent involving each weed, recognized as the “remove.”

    Electric Video gaming:

    Position Equipment: The greatest profits power generator with regard to almost all contemporary casinos. These are usually games involving 100 % pure possibility making use of Random Quantity Generators (Random number generators). Its vivid lights, fascinating motifs, as well as probable with regard to massive big wins create them amazingly well-known.

    Additional Activities: Several casinos in addition include sports books (for gambling upon sports events), lottery-style game, and also housie halls and corridors.

    The Body structure regarding a new Casino: Intended regarding Revenue

    Casino house structures as well as interior design tend to be not really random; that they tend to be properly created to motivate gambling and vertigo.

    This Puzzle Design and style: Casino houses are popularly tough for you to navigate. There will be scarcely right routes to be able to departures or even amenities such as restrooms. This particular design retains supporters wandering earlier more video gaming opportunities.

    Sensory Overwhelm: Generally there will be no clocks or perhaps home windows, building the timeless surroundings. A constant ringing of slot machines, optimistic tunes, and also dynamic shades make the stimulating feeling that will heightens pleasure.

    Relief and complementary Perks: Free of charge intoxicating beverages, comfortable seats, and extravagant environments make clients feel appreciated as well as fewer likely to leave. Large rollers are usually usually comped using free of charge rooms, foods, along with air travel to incentivize its high-stakes enjoy.

    A Temporary Historical past: Via Taverns to Integrated Resorts

    The notion regarding wagering can be ancient, yet the present day casino house provides certain sources.

    18th Hundred years Italy and italy: The actual first authorities sanctioned wagering house has been the Ridotto inside Venice italy (1638), established to control wagering throughout the carnival time of year.

    19 th Millennium Europe: A Gambling establishment g Monte Carlo simulation (1863) throughout Monaco principality set up the style with regard to this stylish, high class gaming hall, using the earnings for you to preserve this controlling House associated with Grimaldi group via chapter 7.

    20 th C America: Game playing thrived about vessels as well as inside edge cities. A decriminalization associated with betting in Nevada state within 1931 guided to the go up involving Los angeles Nevada, which will converted via a new leave luxury into the actual “Fun Money regarding the Planet.” This in the future advancement of Atlantic ocean Metropolis and the proliferation associated with Aboriginal United states of american gambling establishments below the actual Native indian Video games Regulatory Action (nineteen eighty eight) more cemented gambling establishment society in This. U..

    21 st Millennium: A Included Lodge: The style led the way through Vegas Las Vegas features already been homogenized, nearly all importantly within Macau SAR, that at this point overshadows Vegas throughout earnings. A contemporary casino house can be often an “Built-in Resort” (IR), incorporating betting with world-class lodges, great dining, looking department stores, get together locations, along with stay leisure, seeking to appeal to the wider demographic past only players.

    The Monetary as well as Public Result: An Dual-edged Sword

    The position of a new casino house features important side effects in a neighborhood.

    Arguments throughout Choose (Financial Positive aspects):

    Work Creation: Gambling establishments are usually time-consuming, building jobs inside customer service, protection, control, as well as more.

    Duty Earnings: Governments impose substantial fees on gaming hall revenues, which will might finance open public providers such as schooling, structure, and social plans.

    Travel and tourism Enhance: Significant gambling establishment attractions entice national and overseas travellers, helping the entire regional economic system (air carriers, lodges, restaurants).

    Urban Revival: Casino houses can action while stimuli pertaining to redeveloping blighted regions, because noticed within parts involving Atlantic Village and also Detroit.

    Reasons From (Public Fees):

    Problem Gambling as well as Dependency: That is usually the actual the majority of significant social expense. Pathological betting may direct to be able to economic spoil, credit card debt, insolvency, criminal acts, and critical mental wellness problems, destroying personas and households.

    Increased Criminal acts: Scientific studies own associated casinos to be able to improves in community crime fees, such as robbery, deception, and also embezzlement.

    Negative Public Externalities: These kinds of can easily contain the rise in personal bankruptcy fees, improved desire regarding interpersonal companies, as well as the possible drop within regional residence values.

    The “Regressive tax Duty” Effect: Experts believe that will casino houses effectively work because a reverse taxation, because reduced income individuals spend any bigger proportion involving its profits in gambling compared to wealthier versions.

    The actual Psychology and mindset involving Betting: Precisely why Many of us Play

    Casinos expertly leverage well known thinking prejudices along with emotional basics:

    Occasional Encouragement: Position machines are usually the actual ultimate instance. The actual unknown, intermittent rewards develop a powerful and obsessive reward cycle considerably more powerful than consistent winning.

    A Misconception regarding Regulate: Games such as twenty-one and also craps inside craps table make people really feel its talent or even “technique” can influence an result that can be finally random.

    A “Near-Miss” Effect: Any time a new slot machine exhibits 2 big win signs and the actual next only skips, this brain techniques that similarly for you to an actual earn, stimulating more participate in.

    Devoted Cost Fallacy: This thinking which will soon after shelling out the substantial quantity of funds, a single should carry on actively playing to “win this back.”

    The Digital camera Innovation: Online Gaming halls

    This web provides democratized access in order to casino betting, building a new arranged involving difficulties and also possibilities.

    Accessibility along with Convenience: Players might bet round the clock from the residences or perhaps cellular devices, considerably escalating convenience as well as the possible for trouble betting.

    A Broader Online game Collection: Internet gaming halls offer numerous of port different versions and dinner table video games in all share amounts.

    Additional bonuses and also Special offers: For you to appeal to gamers, online programs supply register rewards, cost-free rotates, as well as loyalty plans, that may often be intricate and come with strict wagering requirements.
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    Regulation and Safety and security: The actual permissibility of internet betting differs greatly through authority. Trustworthy internet sites employ encryption and are usually certified simply by regulating systems (as an example, the actual British isles Game playing Payment, Malta Video games Expert), yet uncontrolled, deceitful workers likewise can be found.

    Summary

    This gambling gambling establishment is usually a new sophisticated organization and institution, the mark of attractiveness along with pleasure pertaining to many, as well as any supply involving damage along with craving regarding other folks. That can be a highly effective financial powerplant which will may fuel development but also bears substantial social charges. Since this industry carries on and on to build along with technological innovation, expanding into simulated reality as well as crypto-based systems, the simple concepts remain this exact same: a house edge will be eternal, along with the actual setting is usually thoroughly designed to preserve people actively playing. Regarding the actual particular person, a key to be able to appealing along with that world will be inside realizing these types of systems, setting rigid constraints, and viewing virtually any cash invested not as a strong investment, however as the actual selling price paid pertaining to amusement—fun which, numerically, usually chooses this residence.

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