全額貸款買新?最新資訊，貸款就找我帶你一起看?/title> <atom:link href="//nanamaacs.shop/tag/%E5%85%A8%E9%A1%8D%E8%B2%B8%E6%AC%BE%E8%B2%B7%E6%96%B0%E8%BB%8A/feed/" rel="self" type="application/rss+xml" /> <link></link> <description>全台申辦．專業服?/description> <lastBuildDate>Wed, 18 Dec 2024 03:43:33 +0000</lastBuildDate> <language>zh-TW</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>//wordpress.org/?v=6.7.2</generator> <image> <url>//nanamaacs.shop/wp-content/uploads/2020/12/cropped-logo-4-32x32.png</url> <title>全額貸款買新?最新資訊，貸款就找我帶你一起看?/title> <link></link> <width>32</width> <height>32</height> </image> <item> <title>全額貸款買車要注意什麼？4大陷阱帶你避開貸款風?/title> <link>//nanamaacs.shop/artical/full-loan-buy-a-car/</link> <dc:creator><![CDATA[]]></dc:creator> <pubDate>Mon, 19 Jul 2021 03:40:04 +0000</pubDate> <category><![CDATA[其他貸款]]></category> <category><![CDATA[二手車全額貸款]]></category> <category><![CDATA[全額貸款買新車]]></category> <category><![CDATA[全額貸款買車利率]]></category> <category><![CDATA[全額貸款買車意思]]></category> <category><![CDATA[全額貸款買車條件]]></category> <category><![CDATA[全額貸款買車試算]]></category> <category><![CDATA[買車全額貸好嗎]]></category> <guid isPermaLink="false">//nanamaacs.shop/?p=4630</guid> <description><![CDATA[<p>當你擁有屬於自己的汽車，出行都會方便許多，隨著車價上漲，越來越多人希望能全額貸款… <a class="di-continue-reading" href="//nanamaacs.shop/artical/full-loan-buy-a-car/"> 繼續閱讀…</a></p> <p>這篇文章 <a href="//nanamaacs.shop/artical/full-loan-buy-a-car/">全額貸款買車要注意什麼？4大陷阱帶你避開貸款風?/a> 最早出現於 <a href="//nanamaacs.shop">貸款就找?/a>?/p> ]]></description> <content:encoded><![CDATA[ <p>當你擁有屬於自己的汽車，出行都會方便許多，隨著車價上漲，越來越多人希望能全額貸款買車，讓自己少點負擔，但是買車全額貸好嗎？要注意哪些事？?strong>貸款就找?/strong>來告訴你?/p> <h2 class="wp-block-heading h222">全額貸款買車是什麼意思？</h2> <p>全額貸款買車意思是指申貸人向銀行申請新車貸款或二手車貸款時，申貸的金額與汽車價格相同，並根據貸款合約來分期還款，無須先繳頭期款就能獲得商品?/p> <p>舉例來說：若你購入一台售價為80萬的中古車，向貸款機構申?0萬的中古車貸款額度並成功核貸，這種情況就是全額貸款買車。若購入的汽車為新車，也可詢問是否有全額貸款買新車的方案?/p> <p><strong><strong><span style="background-color:rgba(0, 0, 0, 0);color:#ffdb77" class="has-inline-color">❯ ❯</span><span style="font-size: revert; color: initial;"> 延伸閱讀</span>?/strong></strong><a href="//nanamaacs.shop/artical/second-hand-car-loan/" target="_blank" rel="noreferrer noopener">中古車貸款全攻略！申請流程、利率與陷阱一次看?/a></p> <h2 class="wp-block-heading h222">全額貸款買車條件有哪些？</h2> <ul class="wp-block-list"> <li>信用狀況良?/li> <li>申請人年?8?/li> <li>於現職工作滿3個月以上</li> <li>汽車必須登記在申請人名下</li> </ul> <figure class="wp-block-image size-full"><img fetchpriority="high" decoding="async" width="1000" height="640" src="//nanamaacs.shop/wp-content/uploads/2024/01/全額貸款買車的條件【貸款就找我?png" alt="全額貸款買車的條件【貸款就找我? class="wp-image-12812" srcset="//nanamaacs.shop/wp-content/uploads/2024/01/全額貸款買車的條件【貸款就找我?png 1000w, //nanamaacs.shop/wp-content/uploads/2024/01/全額貸款買車的條件【貸款就找我?300x192.png 300w, //nanamaacs.shop/wp-content/uploads/2024/01/全額貸款買車的條件【貸款就找我?768x492.png 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></figure> <h2 class="wp-block-heading h222">全額貸款買車利率怎麼算？</h2> <p>依汽車貸款種類來為你介紹?/p> <ul class="wp-block-list"> <li><strong>新車全額貸款利率?/strong>2%?/li> <li><strong>二手車全額貸款利率：</strong>5%?/li> </ul> <p>詳細貸款利率須依照各貸款機構規定而定?/p> <h2 class="wp-block-heading h222">全額貸款買車注意事項</h2> <p>會造成全額貸款的原因是因為貸款機構在估算車價時並不單單只評估汽車價值，還會參考當月權威車訊、HOT雜誌等，因此交易價格隨時會變動，<span class="point">當市場交易價低於貸款機構認定時，就會發生全額貸款的情?/span>，若汽車可全額貸款，須注意是否有以下4種情況：</p> <h3 class="wp-block-heading h333">車況不佳</h3> <p>有些車商會收購事故車、泡水車、里程數較高的車，以較低的價格買進，自然也能用低於市場的價格轉售?span class="point">雖然看似優惠，車況卻不盡理想，後續需要花費很大的心力進行維修，最好避免購?/span>?/p> <h3 class="wp-block-heading h333">車貸超貸</h3> <p>所謂的車貸超貸是指因為銀行無法得知實際交易價格，<span class="point">很容易出現有心人士說服有資金急用的民眾藉由超貸取得額外資金的情況</span>，雖然可獲得更高的額度，但也會背負更多的貸款，增加還款負擔?/p> <h3 class="wp-block-heading h333">利率陷阱</h3> <p><span class="point">許多車商打著低頭期款、零利率的貸款方案，實際上都會將利息費用隱藏在其他款項中</span>，例如零利率分期方案的車貸，很可能是將利息費加在汽車總價中，反而減少了議價的空間，同樣會使得申貸人負擔加重?/p> <h3 class="wp-block-heading h333">車商抽佣</h3> <p>辦理車貸時，車貸業者應告知分期期數及全額貸款買車利率，若業者只說明本息均攤費用，可能代表業者想藉此機會向銀行高報利率，賺取其中的價差，因此在申辦車貸前一定要先詢問清楚?/p> <figure class="wp-block-image size-full"><img decoding="async" width="1000" height="712" src="//nanamaacs.shop/wp-content/uploads/2024/01/全額貸款買車注意事項【貸款就找我?png" alt="全額貸款買車注意事項【貸款就找我? class="wp-image-12811" srcset="//nanamaacs.shop/wp-content/uploads/2024/01/全額貸款買車注意事項【貸款就找我?png 1000w, //nanamaacs.shop/wp-content/uploads/2024/01/全額貸款買車注意事項【貸款就找我?300x214.png 300w, //nanamaacs.shop/wp-content/uploads/2024/01/全額貸款買車注意事項【貸款就找我?768x547.png 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></figure> <h2 class="wp-block-heading h222">全額貸款買車流程</h2> <ol class="wp-block-list"> <li><strong>選擇方案?/strong>找出最符合自己需求的方案，若有疑惑可先諮詢專員?/li> <li><strong>提出申請?/strong>準備好相關文件並提交申請，由貸款機構審核資料並對車輛進行鑑價，鑑價完成後會進行全額買車試算，並了解是否符合申貸資格?/li> <li><strong>對保簽約?/strong>若申貸人符合貸款資格，借貸雙方可約定地點對保，核對合約內容並簽訂契約?/li> <li><strong>設定擔保?/strong>至監理所進行<a href="//nanamaacs.shop/artical/vehicle-loan-registration/" target="_blank" rel="noreferrer noopener">動保設定</a>?/li> <li><strong>資金撥款?/strong>完成以上流程後資金撥款至指定戶頭?/li> </ol> <h2 class="wp-block-heading h222">全額貸款買車常見問題</h2> <div class="schema-faq wp-block-yoast-faq-block"><div class="schema-faq-section" id="faq-question-1704341245866"><strong class="schema-faq-question">Q.全額貸款買車應備文件有哪些？</strong> <p class="schema-faq-answer">?行車執照<br/>?雙證件影?br/>?貸款申請?br/>?薪資收入證明文件<br/>?汽車新領牌照登記?br/>?個人印鑑章?a href="//nanamaacs.shop/artical/seal-authentication-commision/" target="_blank" rel="noreferrer noopener">印鑑證明</a></p> </div> <div class="schema-faq-section" id="faq-question-1704341257060"><strong class="schema-faq-question">Q.貸款買車沒有過件怎麼辦？</strong> <p class="schema-faq-answer">可提供其?a href="//nanamaacs.shop/artical/financial-statement/" target="_blank" rel="noreferrer noopener">財力證明</a>、投資項目紀錄或是提供擔保人，來幫自己加分，藉此提升買車貸款的過件率?/p> </div> <div class="schema-faq-section" id="faq-question-1704341268159"><strong class="schema-faq-question">Q.若是無法全額貸款買車，還有其他方法能增加資金嗎？</strong> <p class="schema-faq-answer"><span class="point">建議可透過信貸、房屋增貸來增加資金</span>，若你的收入、信用條件都不錯，就可以申辦信貸；若名下有房屋，且房屋有增值空間，原房貸也有穩定繳款則可辦理房屋增貸?br/><strong><strong><strong><span style="background-color:rgba(0, 0, 0, 0);color:#ffdb77" class="has-inline-color">❯ ❯</span><span style="font-size: revert; color: initial;"> 延伸閱讀</span>?/strong></strong></strong><a href="//nanamaacs.shop/artical/mortgage-increase-disadvantage/" target="_blank" rel="noreferrer noopener">房屋增貸優點有哪些？3大優勢報你知</a></p> </div> </div> <h2 class="wp-block-heading h222">結語</h2> <p>以上就是全額貸款買車的介紹，提醒你，提前進行全額貸款買車試算非常重要，並且在過程中也要與專員進行討論，確認各項資訊明瞭，才不會掉入車貸陷阱，背上沉重的還款負擔喔?/p> <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow"> <p><img decoding="async" width="30" height="26" class="wp-image-2988" style="width: 30px;" src="//nanamaacs.shop/wp-content/uploads/2021/01/phone.png" alt="聯絡"> 撥打公司專線<a href="tel:0987-309696" target="_blank" rel="noreferrer noopener">0987-309696</a>，立即為您服?br><img decoding="async" width="28" height="33" class="wp-image-2990" style="width: 28px;" src="//nanamaacs.shop/wp-content/uploads/2021/01/contact.png" alt="洽詢"> 填寫<a href="//nanamaacs.shop/contact/#online" target="_blank" rel="noreferrer noopener">線上申辦表單</a>，由專人與您聯繫</p> <div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div> </div></div> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <p>這篇文章 <a href="//nanamaacs.shop/artical/full-loan-buy-a-car/">全額貸款買車要注意什麼？4大陷阱帶你避開貸款風?/a> 最早出現於 <a href="//nanamaacs.shop">貸款就找?/a>?/p> ]]></content:encoded> </item> </channel> </rss>