想降低車貸利率
我全車貸48萬 分48期 月繳11631 目前已繳三十期 原來的銀行說車無法調降利率目前在五百大上市上櫃公司當工程師 已經兩年~想問一下我的利率是多少?有其他降低利率的方法嗎?謝謝!
你好: 我叫小流看到你的問題 發表一下自己的想法 及對你的建議~您的車貸已繳了三十期~一共繳了66079左右的利息了
剩下來的本金大約是197230。
只剩十八期
而十八期的利息大約在13393元
小流不建議你轉貸
因這十八期幾乎都是在繳本金
而利息在前三十期就繳了大部份了
而你要再辦一筆信貸來清償的話
除非是你的月付金付不太出來了
對你自己也粉吃力
但你的工作又穩定
收入正常
應該是還付的出來的。
如果你再貸一筆信貸來清償車貸
那可能會多出一些開辦費或是信保費的東西
且在初期又是利息收大部份
本金少
真的小流強烈不建議再作轉貸的方式。
如果你有缺現金就直接貸一筆現金出來用就好了
車貸就乖乖的繳完他吧。
月付金試算表利率7.600%貸款金額480000期數84月付款7
386728
323609
6414811
6283614
9532421
6221241
666每期本金與利息試算利率7.600% 總期數48貸款金額480000期數本金利息每月應繳期末本金000048000018588304011628471412286432986116284627693869729311162845407248752287611628445319588082820116284365116886427651162842764778920270811628418728889762652116284097519903325951162840071810909025381162839162811914824801162838248012920624221162837327413926423641162836401014932323051162835468715938222461162834530516944121871162833586317950121271162832636218956120671162831680119962220061162830717920968319451162829749621974418841162828775222980618221162827794623986817601162826807824993016981162825814825999316351162824815426100571572116282380982710120150811628227977281018414441162821779329102491379116282075443010314131411628197230311037912491162818685132104451183116281764063310511111711628165895341057810511162815531835106459841162814467336107129161162813396137107808481162812318138108487801162811233339109177111162810141640td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=10985.98500275214810986td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=642.30157991607859642td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=11628.28658266822611628td class=xl39 style=BORDER-RIGHT: windowtext 1pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=90430.0539313655329043041td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=11055.56290776957911056td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=572.72367489864837573td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=11628.28658266822811628td class=xl39 style=BORDER-RIGHT: windowtext 1pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=79374.4910235959547937442td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=11125.5814728521211126td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=502.70510981610772503td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=11628.28658266822811628td class=xl39 style=BORDER-RIGHT: windowtext 1pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=68248.9095507438326824943td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=11196.04348884684811196td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=432.24309382137761432td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=11628.28658266822611628td class=xl39 style=BORDER-RIGHT: windowtext 1pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=57052.8660618969885705344td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=11266.95176427620911267td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=361.33481839201426361td class=xl29 style=BORDER-RIGHT: #969696 0.5pt solid; BORDER-TOP: #969696; BORDER-LEFT: #969696; BORDER-BOTTOM: #969696 0.5pt solid; BACKGROUND-COLOR: silver x:num=11628.2865 div class=citation span參考資料 cite 誠心交朋友~用心寫回答~進昇稱專家~服務眾朋友~ /cite /div
