關於汽車貸款的問題?

你好.本人是一位financial consultant.專業為客戶提供財務分析.初步了解你的問題.一般來講.買車同買樓都是一樣的.其實看了你所提供的資料,這個貸款的利率是0.47左右,是一個比較平的利率.如果你去貸款分分鐘仲高過現時的利率!所以本人唔建議你這樣做!!你可以聽多d意見再作決定!!

2007-02-05 14:30:39 補充：
p.s 如果你有能力可以償還一部分的話,你的利息係會減少的!!

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桃園當舖中壢當舖仁寶汽車借款迅速放款不囉唆、可彈性還款、選擇正確金援管道，才能真正省利！

歡迎來店(電)洽詢 有專員為您服務

電話:03-4520077 03-4520077

地址:桃園縣中壢市中華路二段292號

仁寶當舖

有資金需求的人，推薦你一家很專業的貸款服務公司，他們的服務真的是很不錯

他們不是放款公司(一開始我也誤會，後來聽專員解釋才了解)而是協助你申請貸款

因為每家銀行的條件與利率不同，而他們會幫有需要的人找適合的方案

目前已跟30家以上的銀行合作，任何理財方面的問題，皆可迎刃而解

幫你多家比較與分析，爭取更高核貸額度、最低利率、最適合你的解決方案

如果有需要可以填表留個電話，就會有人跟你連絡了 (就不用再花錢自己打電話了)

填表免費諮詢 http://j.gs/5qsn

專辦：房貸：房貸遲繳、二胎、房貸轉增貸、房貸成數不足、購屋貸款。

信貸：個人信用貸款(平轉降息、轉增貸)、雙卡債整合、企業貸款。

車貸：中古車貸款、轉增貸、代償當舖車、轉貸降息。

民間二胎:二胎借款、二胎代償、代墊、土地貸款、塗銷設定解除〈無殘值亦可承做〉

專業房貸規劃一次幫你搞定貸款麻煩事-馬上解決您的煩惱。

歡迎你的加入: LineID : { hot777 }

{ 銀行貸款 }*{ 免費諮詢評估 } ( 0986 )-( 377 )-( 776 )


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如有任何有關銀行貸款難雜症相關問題歡迎隨時留言與我聯繫討論，為你量身訂做最適合銀行貸款方案馬上解決您錢的煩惱。

不錯....

There are 2 types of instalment payment, What type did you choose?
(1) Hire Purchase (usually no down payment is required)
by HP contract that you maybe require to pay all 60 times of instalment payment ON SCHEDULE each time $15,000 until the debt amount is completed , however no interest amount can be saved if you could pay debt earlier than the schedule
(2) Leasing (down payment for 6 month instalments is required= $90,000)
By this contract that I think you had paid a down payment amount of$90,000 while you ordered your car, then the balance is $ 810,000(=54 instalments x $15,000) can be paid on regular schedule, however interest amount can be saved when you can pay up the ALL balance(or part of balance after negotiation with the lender) tomorrow or whenever.
If you have paid instalments for one year (12 times) then remaining amount(Principal$470,000+interest$160,000) is about $630,000, (or =42 times x $15,000), you just need to pay up only principal about $470,000 by tomorrow
If you have chose HP contract, I think no hope to save interest!

2007-02-12 17:43:34 補充：
Property loan is based on reducing balance repayment that repaying more principal could result in much more interest saving after designated binding time, whereas car loan is based on (P+I)/no. of instalments in a given period. Interest saving can be done only by Leasing and HP no way!