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( 20分 ) 買車上會D息平定銀行借貸D息平?

大家知唔知上會同銀行借貸D息點計0架?邊樣平D?以借6、7萬0黎計,同邊個借會著數D呢?

Update:

如果大家知道邊間平請話聲比我知啊!THANKS!

3 Answers

Rating
  • 1 decade ago
    Favorite Answer

    請小心啲經紀佬,佢地同你上會實話佢地息低,但佢地嗰計法係HP(租購),唔係實際年利率。HP利息以固定本計,息唔會隨還款減少。

    例如以HP5.5%借$60,000分3年還(36期)

    3年利息 = $60,000 x 5.5% x 3 = $9,900

    所以連本帶利要還$69,900

    所以每月要還 $69,900 / 36 = $1,941.6

    呢個數等如銀行實際年利率10.2%,仲有銀行私人貸款無抵押,做HP你就抵押左部車。咁你話邊個抵。如果借稅務貸款買車就一定最抵,牌簿仲係自己度,隨時賣車換車都得。

    如果你自己打去銀行問,佢地都有HP做供車,HP息口可以做到2.5%-3.5%,如果揾經記做佢地就食你份差價。呢個就解釋左點解車行賣車上會價平過現金價,其實佢地收既錢無分別。

  • 1 decade ago

    可否提供相關資料,等我報價俾你參考!

    Source(s): Myself
  • 1 decade ago

    銀行借貸息口10%以上,上會5.5%,自己計計,如有需要可以幫你辦理上會,希望幫到你

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