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：
- 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。
- 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。
- 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：
- 年滿20歲以上（成為法定可貸款的年紀）
- 車種沒有限制，車齡最好是14年以內
- 個人財力證明，薪轉或勞保都可以當作您個人的財力證明
- 個人信用評分
- 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：
- 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。
- 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。
- 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。
- 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。
- 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。
- 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：
- 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。
- 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。
- 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。
- 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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The strategy associated with gambling can be historical, although a current casino house features distinct origins.
18th Hundred years Italia: The actual 1st government sanctioned game playing residence was the Ridotto inside Venice italy (1638), established for you to regulate gambling during carnival season.
Twentieth Century European countries: The Casino house g Monte Carlo method (1863) in Monaco established the model with regard to this elegant, high class gambling establishment, utilizing their earnings for you to preserve the ruling House regarding Grimaldi group through chapter 7.
Twentieth Millennium Usa: Gambling thrived in steamboats along with in boundary villages. The actual legalization involving wagering within Nevada inside 1931 directed for you to this go up regarding Los angeles Vegas, nevada, that changed through a new desert oasis in to this “Leisure Capital of the actual Planet.” A down the road development of Ocean Village and a distribute associated with Native United states of america casinos beneath a Native indian Gaming Regulating Behave (1988) additional cemented casino tradition within the actual.
21st Century: The actual Incorporate Hotel: The actual model led the way by simply Los angeles Vegas, nevada offers been internationalized, almost all notably inside Macau SAR, which will now dwarfs Las Vegas within profits. A current casino house will be frequently a strong “Integrated Vacation” (IR), blending game playing together with top-class resorts, excellent eating, looking department stores, convention stores, and also are living entertainment, striving to be able to bring in any wider demographic over and above just betting enthusiasts.
The Financial and Interpersonal Result: A Double edged sword Sword
This attendance of a new gambling establishment features profound effects upon a new group.
Disputes inside Prefer (Economical Positive aspects):
Work Creation: Gaming halls will be time-consuming, making professions throughout welcome, protection, control, along with more.
Income tax Profits: Governments levy significant obligations upon gaming hall earnings, which usually might finance public expert services like education, infrastructure and facilities, and also social plans.
Travel Boost: Main gaming hall places appeal to domestic along with international tourists, benefiting this total local economy (air carriers, lodges, restaurants).
Metropolitan Revitalization: Gambling establishments may action as drivers with regard to regenerating ruined places, while witnessed inside areas regarding Atlantic ocean Metropolis and also Detroit michigan.
Reasons In opposition to (Social Charges):
Difficulty Game playing and also Habit: This kind of is usually the nearly all considerable interpersonal expense. Chronic gambling may guide to be able to economic wreck, personal debt, bankruptcy, criminal acts, as well as extreme emotional wellness troubles, devastating personas and loved ones.
Improved Offences: Scientific studies include connected gaming halls to be able to boosts throughout local offences rates, such as stealing, rip-off, as well as misappropriation.
Damaging Public Impacts: These kinds of might contain a go up within individual insolvency charges, raised desire pertaining to public services, as well as any potential drop in regional property beliefs.
The “Regressive Income tax” Impact: Detractors contend that casinos successfully purpose since a new backward tax, while lower-income people commit a new greater percent of its earnings about gambling compared to wealthier ones.
The actual Emotional science associated with Game playing: The reason why Many of us Participate in
Casino houses proficiently utilize established mental biases along with mental basics:
Intermittent Fortification: Port equipment are usually the best instance. A unforeseeable, occasional payouts produce a new strong along with habit forming pay back pattern significantly more robust than regular successful.
The Misconception regarding Handle: Games like pontoon along with craps throughout craps table create participants come to feel their own expertise as well as “approach” can easily influence a strong end product that will will be ultimately arbitrary.
The actual “Near hit” Impact: If the position equipment displays a pair of pool signs and also this next merely neglects, this brain processes that in the same way to be able to a good real win, encouraging even more participate in.
Thrown Charge Fallacy: The thinking that following trading any considerable level involving income, a single must proceed enjoying in order to “succeed the idea back.”
This Digital camera Revolution: On the internet Gaming halls
This online provides opened up entry to be able to casino house betting, creating any fresh arranged regarding difficulties and also opportunities.
Accessibility and also Comfort: Gamers can bet round the clock through its homes as well as mobile gadgets, significantly escalating availability and a prospective pertaining to trouble betting.
One Broader Video game Range: Internet gaming halls provide hundreds involving position variants along with table video games at almost all share ranges.
Incentives along with Marketing: In order to entice participants, on-line platforms offer sign-up additional bonuses, free re-writes, and loyalty plans, which may end up being complex and also arrive along with stringent betting needs.
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Legislation along with Safety and security: The lawfulness of on-line wagering differs commonly by simply jurisdiction. Respectable web sites employ security as well as are accredited by simply regulations organizations (e.g., the actual Great britain Game playing Fee, Malta city Video gaming Ability), although deregulated, rogue providers in addition occur.
Conclusion
The wagering casino is any intricate organization, any sign involving attractiveness and excitement with regard to some, along with a new source regarding ruin and also craving pertaining to other individuals. The idea can be a effective economical powerplant that will can easily energy source progress although likewise bears important interpersonal charges. Because the sector carries on and on for you to advance with technological innovation, growing straight into electronic certainty along with cryptocurrency-dependent programs, the essential principles stay the same: the actual house border is usually permanent, as well as this surroundings will be thoroughly created to be able to always keep people actively playing. Pertaining to the person, the actual important to interesting along with that world will be inside realizing these systems, setting strict limits, as well as viewing virtually any funds spent not really while a great purchase, however because the selling price settled regarding entertainment—leisure that, numerically, constantly preferences the actual home.
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What is usually a Gaming hall? Beyond this Game titles
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Primary Wagering Offerings:
Table Online games: These kinds of incorporate video games of possibility and also partial skill dealt through reside croupiers.
Blackjack: An unit card game where gamers take on against the dealer for you to get any fretting hand worth nearest to twenty-one without beating the idea. It’s 1 associated with the few game titles in which player ability can minimize the actual residence border.
Roulette wheel: An pure game associated with opportunity exactly where players wager in wherever any golf ball can certainly territory in the spinning wheel.
Craps: An energetic cube video game requiring complicated betting upon this outcome regarding the throw.
Baccarat chemin de fer: An straightforward assessing card video game, well-liked among high tires, in which people gamble about if the “Person” or even “Financial institution” hand can win.
Holdem poker: Contrary to some other video games, inside online poker, players compete in opposition to each other. A gaming hall can make money by simply using the little percentage involving every single cooking pot, identified as the actual “rake.”
Digital camera Gaming:
Position Models: A biggest profits electrical generator with regard to almost all current casinos. These are usually online games regarding natural opportunity utilizing Random Number Electrical generators (RNGs). The vivid lights, engaging themes, as well as probable with regard to substantial big wins produce all of them amazingly well-liked.
Additional Actions: Numerous gambling establishments likewise include sportsbooks (regarding playing in sports functions), lottery-style game, and also bingo lottery corridors.
The actual Body structure involving the Gaming hall: Designed pertaining to Profit
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The actual Complex Format: Casinos are usually celebratedly challenging for you to understand. There will be hardly ever direct tracks to fire escapes or even companies just like bathrooms. That design maintains patrons wandering earlier times much more gaming possibilities.
Sensory Overwhelm: At this time there are no clocks or even home windows, creating a new timeless environment. A continuous buzzing regarding spots, upbeat and positive songs, as well as energetic colors produce the arousing ambiance which will heightens pleasure.
Ease and comfort along with Complimentary Perks: Free of charge intoxicating beverages, comfy seating, along with luxurious environment produce patrons really feel valued and fewer prone in order to leave. Higher tires tend to be frequently compensated along with totally free rooms, foods, and plane ticket to be able to incentivize their own high-risk perform.
A Short Record: From Drinking establishments to be able to Built-in Vacations
The actual idea involving game playing will be ancient, but the actual contemporary gaming hall has distinct roots.
17 th C Italy: The initial federal government disciplined gambling house was a Ridotto inside Venice (sixteen thirty eight), established for you to handle betting during fair time of year.
Nineteenth Century Europe: The Casino associated with Monte-Carlo (1863) in Monaco proven a style pertaining to this stylish, upper class casino, employing its profits for you to preserve a in charge Building regarding Grimaldi from bankruptcy.
21st Millennium Usa: Betting thrived upon riverboats and also inside border towns. A decriminalization involving wagering inside Nevada throughout 1931 resulted for you to the actual rise involving Los angeles Las Vegas, which usually transformed from the leave haven in to this “Entertainment Capital regarding a World.” The down the road progress regarding Atlantic Town and the distribute associated with Local American gambling establishments beneath the actual American indian Video games Regulatory Respond (nineteen eighty eight) even more set casino house society throughout U. s.
21 st Millennium: The Incorporate Lodge: The model revolutionized through Vegas Vegas, nevada features recently been globalized, the majority of especially throughout Macao, which usually now overshadows Vegas inside revenue. The modern casino house will be often a strong “Included Vacation” (IR), incorporating wagering with top-class hotels, great restaurants, looking malls, get together locations, and are living entertainment, striving for you to attract a much wider group past merely gaming enthusiasts.
This Monetary as well as Interpersonal Effect: One Two-edged Blade
The presence associated with a new gambling establishment has serious side effects on a group.
Quarrels inside Favor (Financial Positive aspects):
Career Production: Casino houses tend to be work-intensive, creating careers in hospitality, safety and security, operations, and additional.
Income tax Revenue: Government bodies assess significant income taxes in gambling establishment earnings, which may fund open public providers such as education, infrastructure, and social plans.
Travel and tourism Improve: Major gaming hall destinations entice household along with international travellers, advantageous a whole regional financial system (air carriers, resorts, restaurants).
Downtown Revival: Casinos can easily action since drivers pertaining to rebuilding blighted areas, because seen in parts of Atlantic ocean Village along with Detroit city.
Reasons Towards (Public Fees):
Problem Game playing as well as Addiction: That is this almost all important sociable charge. Pathological game playing can guide in order to economic damage, debt, chapter 7, offences, and also critical intellectual wellness concerns, wreaking havoc on personas and also people.
Increased Criminal offense: Scientific studies have linked casinos for you to increases inside community offences fees, including thievery, fraud, along with embezzlement.
Bad Interpersonal Spillovers: These may contain a go up within individual bankruptcy charges, elevated need with regard to social services, and a prospective decline within local home ideals.
This “Regressive tax Tax” Impact: Critics believe which will casino houses efficiently purpose as a reverse taxation, because poorer men and women invest the bigger percent of the revenue on gambling than simply wealthier types.
The actual Emotional science of Game playing: The reason why We Perform
Gaming halls skillfully exploit well known intellectual inclinations and also emotional concepts:
Occasional Encouragement: Port models are this best case in point. This unpredictable, infrequent payouts create a new highly effective and addictive pay back routine much more powerful as compared to continual winning.
The Misconception associated with Handle: Video games enjoy black jack as well as dice-shooting in dice game help to make gamers come to feel their own talent or even “approach” can easily affect an end product that will will be ultimately haphazard.
This “Near hit” Result: Whenever a position equipment exhibits a couple of lottery jackpot icons and also this third only misses, a head functions the idea similarly to a good real earn, encouraging further participate in.
Sunk Charge Fallacy: This thinking which right after committing the important quantity regarding funds, one ought to continue playing in order to “get that back again.”
A Electronic Emergence: On-line Casino houses
The web provides popularized access in order to gambling establishment wagering, creating any new established associated with difficulties and opportunities.
Convenience and Ease: Gamers can easily speculate round the clock via its homes or portable gadgets, dramatically increasing convenience and also the potential pertaining to difficulty betting.
A More expansive Game Range: On the internet casinos offer a large number involving position versions and also dinner table games in just about all stake levels.
Additional bonuses along with Marketing: In order to attract players, internet programs offer register rewards, free rotates, as well as devotion courses, that can easily end up being intricate and appear on the scene together with stringent playing prerequisites.
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