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2023 汽車貸款比較

汽車貸款利率怎麼比較最划算?新車子時應該要選擇車商所提供還是銀行所提供的車貸選項?要怎麼申請車貸,以及哪家銀行提供最優惠的車貸利率與條件?車貸利率又怎麼算呢?車貸0利率是否真的比較划算?如你正考慮辦汽車貸款,可參考我們的汽車貸款試算。我們以 30 萬為基準來進行汽車貸款試算,每家銀行的每月還款額以三年為統一標準一次展現,Money101輕鬆比較即時更新的車貸方案。

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汽車貸款

樂天國際銀行 電能貸

樂天國際銀行 電能貸

最高貸款額度

500 萬元

最低每月還款額

$3,814

手續費

NT $0元

優惠

利率1.88%起,手續費0元
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(開辦費定價:新臺幣6,000元)(適用期間以樂天國際銀行系統登載之貸款申請收件日期為準)。\n<br>\n4.活動總費用年百分率說明:\n\n<br>\n(1).本活動揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以樂天國際銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。總費用年百分率不等於貸款利率。\n<br>\n(2).貸款總費用年百分率約1.88%~15.62%。貸款金額:30萬元。貸款期間:5年。貸款年利率:1.88%~15.62%(機動計息) 。各項相關費用總金額0元。\n<br>\n(3)總費用年百分率不等於貸款利率。\n<br>\n(4)上述機動計息係指定儲利率指數加碼0.26%~14.00%而成。\n<br>\n(5) 本總費用年百分率之計算基準日係依據活動專案適用起日之樂天國際銀行定儲利率指數調整日期訂定之,請詳閱樂天國際銀行官網定儲利率指數說明(本總費用年百分率之計算基準日為2023/9/21)。\n<br>\n5.若是選擇限制清償專案利率,且如於限制提前清償合約中所載之限制清償期間內提前結清部分或全部本金者,申請人應將依合約中規範之提前還款違約金百分比,支付提前清償違約金。\n<br>\n6.樂天國際銀行保有徵提文件、專案內容變更及核貸與否之權利。\n<br>\n7.智能貸款評估服務係依據您所提供之基本資料與聯徵信用資料查詢結果所提供之初步評估,申貸所需之條件、資料及實際核准利率,視個別情況有所不同。樂天國際銀行保有核貸與否及核決貸放金額、利率之權利,同時保留調整產品規格、申貸期限及其他相關規定之權利,實際內容以樂天國際銀行最新公告為準。\n<br>\n8.活動期間倘有不可歸責於樂天國際銀行之事由,樂天國際銀行得變更或終止活動內容,並於樂天國際銀行網站公告。\n<br>\n9.樂天國際銀行未與任何代辦或行銷公司合作辦理貸款事宜,敬請留意,以免損害自身權益。\n<br>\n10.不得以非法且未經樂天國際銀行同意連結本網站做為網路行銷。\n<br>\n11.還款期限最長84期。\n<br>\n12.本公司係提供各銀行貸款優惠比較資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。 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(開辦費定價:新臺幣6,000元)(適用期間以樂天國際銀行系統登載之貸款申請收件日期為準)。\n<br>\n4.活動總費用年百分率說明:\n\n<br>\n(1).本活動揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以樂天國際銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。總費用年百分率不等於貸款利率。\n<br>\n(2).貸款總費用年百分率約1.88%~15.62%。貸款金額:30萬元。貸款期間:5年。貸款年利率:1.88%~15.62%(機動計息) 。各項相關費用總金額0元。\n<br>\n(3)總費用年百分率不等於貸款利率。\n<br>\n(4)上述機動計息係指定儲利率指數加碼0.26%~14.00%而成。\n<br>\n(5) 本總費用年百分率之計算基準日係依據活動專案適用起日之樂天國際銀行定儲利率指數調整日期訂定之,請詳閱樂天國際銀行官網定儲利率指數說明(本總費用年百分率之計算基準日為2023/9/21)。\n<br>\n5.若是選擇限制清償專案利率,且如於限制提前清償合約中所載之限制清償期間內提前結清部分或全部本金者,申請人應將依合約中規範之提前還款違約金百分比,支付提前清償違約金。\n<br>\n6.樂天國際銀行保有徵提文件、專案內容變更及核貸與否之權利。\n<br>\n7.智能貸款評估服務係依據您所提供之基本資料與聯徵信用資料查詢結果所提供之初步評估,申貸所需之條件、資料及實際核准利率,視個別情況有所不同。樂天國際銀行保有核貸與否及核決貸放金額、利率之權利,同時保留調整產品規格、申貸期限及其他相關規定之權利,實際內容以樂天國際銀行最新公告為準。\n<br>\n8.活動期間倘有不可歸責於樂天國際銀行之事由,樂天國際銀行得變更或終止活動內容,並於樂天國際銀行網站公告。\n<br>\n9.樂天國際銀行未與任何代辦或行銷公司合作辦理貸款事宜,敬請留意,以免損害自身權益。\n<br>\n10.不得以非法且未經樂天國際銀行同意連結本網站做為網路行銷。\n<br>\n11.還款期限最長84期。\n<br>\n12.本公司係提供各銀行貸款優惠比較資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。 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裕融企業 汽車分期專案

裕融企業 汽車分期專案

最高貸款額度

350 萬元

動保設定費( 車子抵押)

$4,000-5,500 元起

最高還款期數

84 期

優惠

即日起至2023/12/31(以下簡稱「活動期間」)裕融企業提供「新車分期」、「中古車分期」!減輕還款壓力提供低月付、低利率、長期數專案! 不論職業、車種,全省服務! 申請簡便,保密性佳!申請文件齊全,四小時回覆! 對保後快速撥款! 輕鬆開著愛車,同時運用資金!立即申請,享受快速貸款!
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其他人也看了以下熱門最低利率貸款方案

(最低每月還款額以貸款金額300,000元 還款期60期為範例)

最低貸款利率

手續費

參考核貸時間

最低每月還款額

渣打銀行 Money101 限定專案
渣打銀行 Money101 限定專案
0.01 %
NT$ 0

最快30分鐘

NT$5,001
王道銀行 信貸優惠專案
王道銀行 信貸優惠專案
1.96 %
NT$ 0

最快30分鐘

NT$ 5,253
滙豐銀行 信用貸款
滙豐銀行 信用貸款
0.01 %
NT$ 0

最快1天

 

NT$ 5,001
永豐銀行 數時貸
永豐銀行 數時貸
0.01 %
NT$ 0

最快1天

 

NT$ 5,001
台新銀行 Richart大口貸
台新銀行 Richart大口貸
1.85 %
NT$ 0

最快1天

NT$ 5,239
樂天國際銀行 樂天貸(分期型) - 感謝祭
樂天國際銀行 樂天貸(分期型) - 感謝祭
1.95 %
NT$ 168

最快1天

NT$ 5,252
中國信託 銅板價信貸
中國信託 銅板價信貸
0.01 %
NT$ 3,000

最快1天

NT$ 5,001
凱基銀行 Money101限時專案
凱基銀行 Money101限時專案
0.01 %
NT$ 0

最快1天

NT$ 5,001
台北富邦 Money101限定專案
台北富邦 Money101限定專案
0.01 %
NT$ 0

最快1天

 

NT$ 5,001

汽車貸款比較2023

 
汽車貸款銀行 汽車貸款產品 最低貸款利率 總費用年百分率 最低還款總額(本金攤還)
新光銀行 新車貸專案 2.8% 3.06% NT$389,667 元
三信銀行 新車買賣貸款 2.95% 3.31% NT$400,707 元
星展銀行 星展好車貸 2.88% 3.14% NT$511,680 元
陽信銀行 新車貸款 3% 3.26% NT$662,680 元
(以貸款金額300,000元 還款期60期為範例)

 

1. 比較貸款擁有 最短 2 個月至最長 7 年的各種貸款方案。
2. 比較項目中的利率,是採用銀行在該貸款方案中提供的最低利率;每月還款額則是以該利率計算出的還款額。請您注意,因銀行利率在還款前後期間有所不同,因此Money 101是以該貸款方案期間最低利率計算得出最低每月還款額。
3. 根據每個人的狀況不同,總費用年百分率可能從 1% 至 20% 不等。以下為借貸成本計算的參考案例:假設你貸一筆新台幣 300,000 元的款項,還款期為 60 個月,貸款利率前二期0.1%,第三期起2.99%~17.99%,帳戶管理費及票查費NT$3100~NT$6100,每月還款額為新台幣為5,013,而總費用年百分率則為3.22%~17.59%。

 

汽車貸款資訊

HSBC img1

什麼是汽車貸款?

個人汽車貸款是指由金融機構或銀行向個人借款人發放的用於購買車子的貸款。借款人需要以汽車當作擔保品,汽車貸款主要分為兩大類:分別是要買新車時的購車貸款和需要資金周轉時申請的原車融資。貸款人發放個人汽車貸款時,除了考慮汽車的狀況外,也會綜合評估申請人工作狀況、還款能力及個人信用狀況而確定貸款金額、期限、利率和還本付息方式等貸款條件。現時除了有新車、中古車及原車貸款外,也有摩托車貸款,迎合不同人士的需要。

Redeeming Citi - Vouchers

汽車抵押貸款

如上所述,當需要資金周轉時申請的原車融資,指把原有的車子作為擔保品,向銀行、融資公司或車行辦理融資借款,便是所謂的汽車抵押貸款。汽車抵押貸款不限車齡,無論是新車、中古車都可以申請,但貸款額度會根據車子的品牌、車齡、車型、CC數、里程數、車況而定。一般而言,因為是有抵押的貸款,所以門檻比較低,審核時間較快,可解燃眉之急。

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汽車貸款試算

想買新車,但不知道貸款方案是選擇車商還是銀行比較好?你可利用Money101 免費車貸試算工具,只要簡單輸入貸款金額、還款期(月)及利率,即可為你輕鬆計算出每月最低還款額、總還款額及總利息,以便找出最適合自己的車貸方案。每家銀行的利率及貸款額度都略有不同,因此建議在申請貸款時,向銀行咨詢有關詳情。如想知道有關車貸利率,可詳細閱讀此文章:買車要怎麼選,個人信用貸款 vs 汽車貸款

除此之外,申請車貸前您必須知道的事

memo-circle-check

申請汽車貸款需要什麼資格?

只要年齡是20歲至65歲、是中華民國國民、有工作及財力證明、有良好的個人信用記錄、有汽車買賣合約書或行照影本,以及車齡是15年內就可以申請汽車貸款。

messages-question

什麼是汽車借款?

汽車借款有別於汽車貸款,它並非由銀行或金融機構所發放的貸款,而是由融資公司、當鋪、代書等民間企業發放的貸款。一般來說,汽車借款的額度較高,但利率也較高。很多人都是因為申請不到銀行的汽車貸款,才申請汽車借款。

car-loan-rate-calculation

汽車貸款利率怎麼算?

一般購買新車的貸款利率約 2~3%;購買中古汽車的貸款利率則約 4~10%。而不同的汽車貸款,在利率也會有所不同:

  1. 新車貸款:購買新車時,車商有時會推薦你選擇該月的優惠方案,包括0利率、0首付,甚至贈品等優惠。而利息一般都是隱藏在車價中。因此在計劃購買新車時,建議將所有成本考慮在內。新車貸款利率通常在2%~5%之間。
  2. 二手車貸款:二手車貸款的優惠通常都不如新車貸款。大多是透過銀行(利率約2%~5%)或融資公司(利率大約5%~8%)來完成貸款。
  3. 原車融資:若你已擁有車輛,不論是否仍有貸款,都可以選擇進一步的融資。根據車輛的剩餘價值,可以獲得高達該車價150%~200%的融資額度。這類融資的方式同樣是透過銀行(利率約2%~5%)或金融公司(利率約5%~8%)來進行。

如想知道自己的汽車貸款月繳金額,你可利用Money101車貸試算工具,只要簡單輸入貸款金額、還款期(月)及利率,即可為你輕鬆計算出每月最低還款額、總還款額及總利息,以便找出最適合自己的車貸方案。

the-lowest-rate-car-loan

汽車貸款如何申請到最低利率?

不論你想申辦那一種汽車貸款,最後都是與你的個人條件有着極大關係。只要你提供的審核資料齊全,過件機率較高外,車貸利率也可以爭取到最低。當中的因素包括:

  1. 年滿20歲或以上(成為法定可貸款的年紀)
  2. 車種沒有限制,車齡最好是在20年以內(另有老車優惠專案)
  3. 個人財力證明,薪轉或勞保都可當作個人財力的證明
  4. 個人信用評分
  5. 汽車的殘餘價值
lightbulb-question

汽車貸款申請管道有哪些?

汽車貸款申請主要有3種管道:汽車廠商、銀行汽車貸款融資公司。當中因為銀行的申請條件較為嚴格,過件額度較低,因此大部份人在辦理汽車貸款時,都會找民間機構辦理,如融資公司辦理汽車融資。以下是3種汽車貸款申請管道比較:

  汽車廠商 銀行汽車貸款 融資公司
利率 不同汽車廠商提供的方案不同 年利率2.3%~5% 最低年利率5%起
貸款額 最高可貸款車價100% 最高可貸款車價120% 最高可貸款車價150%~200%
好處
  • 不定時優惠方案
  • 利率低
  • 年限長
  • 月繳金額低
  • 貸款額高
  • 貸款方案多元化
  • 審核條件較寬鬆
  • 貸款年限長
缺點
  • 貸款利率不透明
  • 可貸款車價不高
  • 審核嚴格
  • 貸款利率高一些
建議申辦時間
  • 新車貸款
  • 二手車貸款
  • 新車貸款
  • 二手車貸款
  • 原車貸款
  • 新車貸款
  • 二手車貸款
  • 原車貸款
usd-circle

0利率車貸是否真的比較划算?

大部分車商會提供的0利率汽車貸款方案,看似很划算,但其實隱藏額外費用,而且有機會犧牲掉買車時的議價能力。因此,若想申請0利率車貸要格外小心閱讀條例及細則,以免掉入車貸0利率的陷阱。另外,如果是「零頭期款」的方案,因為需要承擔更高的利率,也有可能會讓自身的信用分數受到負面的影響。

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什麼車可以申請車貸?有種類限制嗎?

轎車、休旅車、營業車、商用車、計程車、三噸半以下貨車皆可申請。現時有不少銀行都有提供摩托車貸款,迎合年輕一族的需求。

hands-usd

汽車貸款的額度上限是多少?

動產可貸額度依有關鑑價規定核估,最高可按估價金額150%。申請車貸需要什麼資格?沒有薪轉可以申請嗎?車貸主要依照車輛價值為審核標準,只要年滿20歲以上皆可辦理。

car-loan-application-without-salary-proof

沒有薪轉可以申請汽車貸款嗎?

一般銀行會要求申請人提供薪轉證明作為貸款申請的一部分。但如果沒有薪轉也是可以申請汽車貸款的。只要提供其他形式的收入證明即可以,如經營獲利證明、業主證明、或其他收入證明。另外,如果沒有薪轉證明,銀行有可能會提高利率或增加抵押品要求。

car-loan-application-steps

汽車貸款申請流程

汽車貸款申請流程只需5個步驟,就能輕鬆申辦汽車貸款:

  1. 評估方案
    諮詢專業建議,為你評估方案利率、貸款金額、月繳金額及還款時間是否符合你的需求,選擇適合自己的汽車貸款方案。
  2. 準備申請
    申貸條件確認後,備齊所有相關資料,申請文件,包括貸款申請書、身份證正反面影本、第二證件影本、行車執照、汽車新領牌照登記書以及薪資收入證明文件等。
  3. 進件審核
    貸款單位(銀行或融資公司)在收到申請後,會進行審核是否符合申請條件。
  4. 核保簽約
    審核通過後,相關專人就會告知你貸款額及利率,確認你的申請意願,若你同意,幫你安排對保填寫相關設定書類文件等待撥款。
  5. 撥款入帳
    完成簽約後,進入撥款流程,撥款時間依各家作業時間而定。

汽車貸款常見問題

部分車貸主打「零利率」,這真的比較划算嗎?

大部分車商所提供的「零利率」汽車貸款方案所犧牲掉的通常是買車時本身的議價能力,同一款車,可能在車貸零利率方案時所能提供的降價空間就縮減許多。另外,如果是「零頭期款」的方案,因為需要承擔更高的利率,也有可能會讓自身的信用分數受到負面的影響。

汽車貸款可以分成哪幾種?

一般汽車貸款是根據車的狀況來分類,分別有新車貸款、中古車(二手車)貸款與重型機車貸款。另外,還有所謂的原車貸款方案。

申辦車貸需要準備哪些基本文件?

基本上,由於車貸屬於抵押型貸款,所需準備資料文件較少,其中身分證與第二證件影本、行車執照影本還是必備,另外其他相關文件則依照各家銀行而有所不同。