銀行車貸的問題 - 金融業討論
By John
at 2021-05-12T14:32
at 2021-05-12T14:32
Table of Contents
講簡單ㄧ點
1.
撥款79萬餘款84萬
車貸業務端的說法是貸84萬先付5萬利息
然後利率比較低
剩下就是餘款84萬
金融端說法是這其實就是貸79
那我們不管二端說法
我要問的是
某人說如果要結清,餘款是84+5=89
我請問大家,為什麼是89
如果照車貸端講法,這等於付了2次5萬
而且實際上就是還84
2.
條件為不提早結清84萬84期
台新銀行5月車貸方案
補貼息1.65,不補不貼2.65
我以銀行車貸貸業務端說法
先付利息5萬,實撥79萬,利率1.65
月付10000,總利息先結清為47212
不補不貼本利攤算法
利率2.65月付10968,總利息81832
算起來利息就是少掉好幾萬
那何來業務被騙,業務也在騙客人之說
我就看不懂
車版大家已經一直強調不提早結清了
他還是一直強調說只付1年就結清
等於貸1年卻付7年利息
這大家都知道阿,這只是變相的綁7年
問題是大家已經說不結清了
到底要跳針到哪去
PS:車貸實務上很少人提前結清的
我以上說詞都是車貸端的業務所講的
沒有一個詞是我自創的
就二個問題
1.
餘款為何是84+5
2.
不提早結清,為何少付利息是被騙
別再跟我扯如果提早結清
就已經講不提早結清了
要提早結清,誰都知道本利攤比較划算
單純討論這二點
-----
Sent from JPTT on my iPhone
--
1.
撥款79萬餘款84萬
車貸業務端的說法是貸84萬先付5萬利息
然後利率比較低
剩下就是餘款84萬
金融端說法是這其實就是貸79
那我們不管二端說法
我要問的是
某人說如果要結清,餘款是84+5=89
我請問大家,為什麼是89
如果照車貸端講法,這等於付了2次5萬
而且實際上就是還84
2.
條件為不提早結清84萬84期
台新銀行5月車貸方案
補貼息1.65,不補不貼2.65
我以銀行車貸貸業務端說法
先付利息5萬,實撥79萬,利率1.65
月付10000,總利息先結清為47212
不補不貼本利攤算法
利率2.65月付10968,總利息81832
算起來利息就是少掉好幾萬
那何來業務被騙,業務也在騙客人之說
我就看不懂
車版大家已經一直強調不提早結清了
他還是一直強調說只付1年就結清
等於貸1年卻付7年利息
這大家都知道阿,這只是變相的綁7年
問題是大家已經說不結清了
到底要跳針到哪去
PS:車貸實務上很少人提前結清的
我以上說詞都是車貸端的業務所講的
沒有一個詞是我自創的
就二個問題
1.
餘款為何是84+5
2.
不提早結清,為何少付利息是被騙
別再跟我扯如果提早結清
就已經講不提早結清了
要提早結清,誰都知道本利攤比較划算
單純討論這二點
-----
Sent from JPTT on my iPhone
--
Tags:
金融業
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