樂天國際銀行 電能貸

恭喜成功加入Money101電子報
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。
{"__typename":"PersonalLoan","applicationProcess":[{"data":"","type":null}],"apr":null,"comparables":[{"__typename":"CompareElementWithSubValue","description":"","displayValue":"1.88","prefix":"","sortValue":1880,"suffix":"%","title":{"display":"最低貸款利率","key":"INTEREST_RATE_WITH_APR"},"tooltip":null},{"__typename":"CompareElementSimple","description":"","displayValue":"0","prefix":"NT$","sortValue":0,"suffix":"","title":{"display":"手續費","key":"HANDLING_FEES"},"tooltip":null},{"__typename":"CompareElementSimple","description":"","displayValue":"6,493","prefix":"NT$","sortValue":6492837,"suffix":"","title":{"display":"最低每月還款額","key":"REPAYMENT"},"tooltip":null}],"ctaButton":{"isNoDealCTA":false,"label":"立即申請","link":{"linkClass":"EXTERNAL","url":"https://www.money101.com.tw/api/redirect?dest=eyJraWQiOiJTNzhWZklaZF9rcVd0V1YxUmtBbEs2QnUtY1dkMS1RU2Znc3FKaW1pSmxjIiwiYWxnIjoiRWREU0EifQ.CAEawAFodHRwczovL2FkLmRvdWJsZWNsaWNrLm5ldC9kZG0vdHJhY2tjbGsvTjE5NTAwMi4yMTM4MzAzTU9ORVkxMDEuQ09NLlRXL0I5OTY2NDQ3LjMwMzkyNDQzMjtkY190cmtfYWlkPTU1NjQ4MzQ3MDtkY190cmtfY2lkPTcxOTQ3ODQzO2RjX2xhdD07ZGNfcmRpZD07dGFnX2Zvcl9jaGlsZF9kaXJlY3RlZF90cmVhdG1lbnQ9O3RmdWE9O2x0ZD0.3glMlV1dA-pN6uxYukJycWH2Ow8FBZ3xuKoFNHgAtjJdUlu5ugWjAaYgOZMiRtNa_LcLLSCrmQIXHGEdrBvjAQ"},"show":true},"description":{"shortDescription":[]},"disclaimer":null,"eligibility":[{"description":{"longDescription":"","shortDescription":"18歲","tooltip":""},"type":{"display":"最低年齡要求","key":"MINIMUM_AGE"},"value":"18"},{"description":{"longDescription":"","shortDescription":"65歲","tooltip":""},"type":{"display":"最高年齡要求","key":"MAXIMUM_AGE"},"value":"65"},{"description":{"longDescription":"","shortDescription":"120萬","tooltip":""},"type":{"display":"最低月薪要求","key":"MINIMUM_MONTHLY_INCOME"},"value":"1200000"}],"enableCountdown":false,"enableFlipBanner":false,"featured":false,"features":{"cons":["條件:電動車購買證明(合約)、年收入達120萬"],"pros":["年利率1.88%起、免開辦費、額度最高500萬","不是車貸免設定費","最長84期 輕鬆還款","一鍵申貸、24小時線上貸款"],"title":"Features"},"functional":{"defaults":{"loanAmount":300000,"loanTenure":84},"fees":[],"metaData":{"alias":"樂天國際銀行電能貸"},"rateTableEntries":[{"apr":1.88,"eir":null,"fees":[{"description":{"longDescription":"","shortDescription":"","tooltip":""},"type":{"display":"開辦費","key":"PL_HANDLING_FEE"},"value":"0"}],"interestRate":1.88,"loanAmountMax":5000000.0,"loanAmountMin":10000.0,"loanTenureMax":84,"loanTenureMin":12}]},"id":"blt9a71af468e855f86_7_zh-tw","image":{"description":null,"dimension":null,"url":"https://images.contentstack.io/v3/assets/blt4ca32b8be67c85f8/blte906a3ec707db99e/6447c4916b67ab4c3492e7fa/AnyConv.com_money101_1000x464.webp"},"imageOrientation":"LANDSCAPE","interestRate":null,"monthlyRepayment":null,"needCategories":[],"offers":null,"offersFaq":null,"productName":"樂天國際銀行 電能貸","promotional":{"bannerImage":{"description":null,"dimension":null,"url":"https://images.contentstack.io/v3/assets/blt4ca32b8be67c85f8/blt220ec4482634e694/649eb10a05ac38923faec882/20230629_樂天電能貸-final_864X160_RP.jpg"},"bannerText":"利率1.88%起,手續費0元","countdown":{"date":{"endDate":null,"startDate":null},"displayProductPage":false,"text":""},"flipBanner":{"date":{"endDate":null,"startDate":null},"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":null},"type":[{"display":"優惠","key":"EXCLUSIVE"}]},"provider":{"alias":"樂天國際銀行","providerName":"樂天國際銀行"},"rawFunctionalPl":{"defaults":{"loanAmount":300000,"loanTenure":84},"fees":[],"interestRateInterval":"YEARLY","loanType":"PRINCIPAL_REDUCING","paymentInterval":"MONTHLY","rateTableEntries":[{"apr":1.88,"eir":null,"fees":[{"calculationMethod":"FIXED","description":{"longDescription":"","shortDescription":"","tooltip":""},"feeInterval":"ONCE","paymentMethod":"IGNORE","type":{"display":"開辦費","key":"PL_HANDLING_FEE"},"value":0}],"interestRate":1.88,"loanAmountMax":5000000.0,"loanAmountMin":10000.0,"loanTenureMax":84,"loanTenureMin":12,"transferRate":null}],"repayment":{"minimumRepaymentFixed":0,"minimumRepaymentPercentage":0.0}},"requirements":{"applicationConfirmationEmail":"","businessPriority":false,"citizenship":[],"criteriaDetails":[],"eligibleOccupations":[],"employmentType":null,"productPrescore":0.0},"termsAndConditions":"1.*本專案適用之優質客戶係指申請人個人年收入達新台幣120萬元(含)以上。個人徵信狀況無異常者。專案適用資格以樂天國際銀行最終認定為準,實際審核利率以樂天國際銀行徵審結果為準。若不符合前述「優質客戶」之資格,樂天國際銀行將依徵審核定之結果,另行給予樂天貸感謝祭(分期型)或其他適用之專案。\n
\n2.**申請本專案需於上傳財力證明步驟上傳電動車車輛訂購合約(合約日期2022/6/1(含)以後立約)。本專案僅適用購買純電動力車輛(係指在道路上使用,且由可充電蓄電池、燃料電池、太陽光電組列或其他方式提供電力至電動機,作為主要動力之自動式車輛),不適用購買非純電動力車輛(PHEV、Hybrid等在道路上使用,具備可充電儲存系統,能儲存及使用車外之電能,且有其他種類動力來源之一種電動車輛及汽柴油車輛)。合約訂購人需為樂天電能貸申請人本人或其配偶。\n
\n3.即日起~2023/12/20(含)前向樂天國際銀行申請「樂天電能貸」貸款專案,享免開辦費優惠 (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
\n4.活動總費用年百分率說明:\n\n
\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
\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
\n(3)總費用年百分率不等於貸款利率。\n
\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
\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
\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
\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
\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
\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
\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
\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
\n11.還款期限最長84期。\n
\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。 \n
\n13.本公司不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。","title":"TW.PL.RKUX0003.樂天國際銀行 電能貸","totalRepayment":null}
(SizeLimitingPyMap: {__typename=PersonalLoan, id=blt9a71af468e855f86_7_zh-tw, image={url=https://images.contentstack.io/v3/assets/blt4ca32b8be67c85f8/blte906a3ec707db99e/6447c4916b67ab4c3492e7fa/AnyConv.com_money101_1000x464.webp, description=null, dimension=null}, featured=false, imageOrientation=LANDSCAPE, promotional={bannerText=利率1.88%起,手續費0元, bannerImage={url=https://images.contentstack.io/v3/assets/blt4ca32b8be67c85f8/blt220ec4482634e694/649eb10a05ac38923faec882/20230629_樂天電能貸-final_864X160_RP.jpg, description=null, dimension=null}, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=null, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=優惠}]}, comparables=[{__typename=CompareElementWithSubValue, title={key=INTEREST_RATE_WITH_APR, display=最低貸款利率}, sortValue=1880, displayValue=1.88, tooltip=null, description=, prefix=, suffix=%}, {__typename=CompareElementSimple, title={key=HANDLING_FEES, display=手續費}, sortValue=0, displayValue=0, tooltip=null, description=, prefix=NT$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=最低每月還款額}, sortValue=6492837, displayValue=6,493, tooltip=null, description=, prefix=NT$, suffix=}], ctaButton={label=立即申請, link={url=https://www.money101.com.tw/api/redirect?dest=eyJraWQiOiJTNzhWZklaZF9rcVd0V1YxUmtBbEs2QnUtY1dkMS1RU2Znc3FKaW1pSmxjIiwiYWxnIjoiRWREU0EifQ.CAEawAFodHRwczovL2FkLmRvdWJsZWNsaWNrLm5ldC9kZG0vdHJhY2tjbGsvTjE5NTAwMi4yMTM4MzAzTU9ORVkxMDEuQ09NLlRXL0I5OTY2NDQ3LjMwMzkyNDQzMjtkY190cmtfYWlkPTU1NjQ4MzQ3MDtkY190cmtfY2lkPTcxOTQ3ODQzO2RjX2xhdD07ZGNfcmRpZD07dGFnX2Zvcl9jaGlsZF9kaXJlY3RlZF90cmVhdG1lbnQ9O3RmdWE9O2x0ZD0.3glMlV1dA-pN6uxYukJycWH2Ow8FBZ3xuKoFNHgAtjJdUlu5ugWjAaYgOZMiRtNa_LcLLSCrmQIXHGEdrBvjAQ, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=樂天國際銀行電能貸}, rateTableEntries=[{loanTenureMin=12, loanTenureMax=84, loanAmountMin=10000.0, loanAmountMax=5000000.0, apr=1.88, eir=null, interestRate=1.88, fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, value=0, description={shortDescription=, longDescription=, tooltip=}}]}], fees=[], defaults={loanTenure=84, loanAmount=300000}}, provider={alias=樂天國際銀行, providerName=樂天國際銀行}, description={shortDescription=[]}, productName=樂天國際銀行 電能貸, title=TW.PL.RKUX0003.樂天國際銀行 電能貸, features={title=Features, pros=[年利率1.88%起、免開辦費、額度最高500萬, 不是車貸免設定費, 最長84期 輕鬆還款, 一鍵申貸、24小時線上貸款], cons=[條件:電動車購買證明(合約)、年收入達120萬]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=, tooltip=}}, {type={key=MAXIMUM_AGE, display=最高年齡要求}, value=65, description={shortDescription=65歲, longDescription=, tooltip=}}, {type={key=MINIMUM_MONTHLY_INCOME, display=最低月薪要求}, value=1200000, description={shortDescription=120萬, longDescription=, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=1.*本專案適用之優質客戶係指申請人個人年收入達新台幣120萬元(含)以上。個人徵信狀況無異常者。專案適用資格以樂天國際銀行最終認定為準,實際審核利率以樂天國際銀行徵審結果為準。若不符合前述「優質客戶」之資格,樂天國際銀行將依徵審核定之結果,另行給予樂天貸感謝祭(分期型)或其他適用之專案。
<br>
2.**申請本專案需於上傳財力證明步驟上傳電動車車輛訂購合約(合約日期2022/6/1(含)以後立約)。本專案僅適用購買純電動力車輛(係指在道路上使用,且由可充電蓄電池、燃料電池、太陽光電組列或其他方式提供電力至電動機,作為主要動力之自動式車輛),不適用購買非純電動力車輛(PHEV、Hybrid等在道路上使用,具備可充電儲存系統,能儲存及使用車外之電能,且有其他種類動力來源之一種電動車輛及汽柴油車輛)。合約訂購人需為樂天電能貸申請人本人或其配偶。
<br>
3.即日起~2023/12/20(含)前向樂天國際銀行申請「樂天電能貸」貸款專案,享免開辦費優惠 (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)。
<br>
4.活動總費用年百分率說明:
<br>
(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。
<br>
(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。
<br>
(3)總費用年百分率不等於貸款利率。
<br>
(4)上述機動計息係指定儲利率指數加碼0.26%~14.00%而成。
<br>
(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)。
<br>
5.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。
<br>
6.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。
<br>
7.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。
<br>
8.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。
<br>
9.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。
<br>
10.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。
<br>
11.還款期限最長84期。
<br>
12.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。
<br>
13.本公司不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type=null, data=}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=12, loanTenureMax=84, loanAmountMin=10000.0, loanAmountMax=5000000.0, apr=1.88, eir=null, interestRate=1.88, fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, feeInterval=ONCE, value=0, calculationMethod=FIXED, paymentMethod=IGNORE, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}], fees=[], defaults={loanTenure=84, loanAmount=300000}, loanType=PRINCIPAL_REDUCING, repayment={minimumRepaymentFixed=0, minimumRepaymentPercentage=0.0}, interestRateInterval=YEARLY, paymentInterval=MONTHLY}})
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2.**申請本專案需於上傳財力證明步驟上傳電動車車輛訂購合約(合約日期2022/6/1(含)以後立約)。本專案僅適用購買純電動力車輛(係指在道路上使用,且由可充電蓄電池、燃料電池、太陽光電組列或其他方式提供電力至電動機,作為主要動力之自動式車輛),不適用購買非純電動力車輛(PHEV、Hybrid等在道路上使用,具備可充電儲存系統,能儲存及使用車外之電能,且有其他種類動力來源之一種電動車輛及汽柴油車輛)。合約訂購人需為樂天電能貸申請人本人或其配偶。
3.即日起~2023/12/20(含)前向樂天國際銀行申請「樂天電能貸」貸款專案,享免開辦費優惠 (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)。
4.活動總費用年百分率說明:
(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。
(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。
(3)總費用年百分率不等於貸款利率。
(4)上述機動計息係指定儲利率指數加碼0.26%~14.00%而成。
(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)。
5.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。
6.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。
7.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。
8.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。
9.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。
10.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。
11.還款期限最長84期。
12.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。
13.本公司不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type=null, data=}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=12, loanTenureMax=84, loanAmountMin=10000.0, loanAmountMax=5000000.0, apr=1.88, eir=null, interestRate=1.88, fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, feeInterval=ONCE, value=0, calculationMethod=FIXED, paymentMethod=IGNORE, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}], fees=[], defaults={loanTenure=84, loanAmount=300000}, loanType=PRINCIPAL_REDUCING, repayment={minimumRepaymentFixed=0, minimumRepaymentPercentage=0.0}, interestRateInterval=YEARLY, paymentInterval=MONTHLY}}
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350 萬元
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2.【無職業限制】:不限職業、攤販、自營商...等等,
<br>
3.【適用車輛範圍】:不限車種彈性辦理。
<br>
4.【車輛年份】:不限車齡。
<br>
5.【貸款期限】:彈性可談。
<br>
6.【備註說明】:額度及核准成數依個人實際條件差異而有所不同。
<br>
7.本公司保留核准與否及核准條件之權利。
<br>
8.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。
<br>
9.本公司不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。
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3.【適用車輛範圍】:不限車種彈性辦理。
4.【車輛年份】:不限車齡。
5.【貸款期限】:彈性可談。
6.【備註說明】:額度及核准成數依個人實際條件差異而有所不同。
7.本公司保留核准與否及核准條件之權利。
8.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。
9.本公司不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。
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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
|
0.01
%
|
NT$
0
|
最快30分鐘 |
NT$5,001
|
|
![]() 王道銀行 信貸優惠專案
|
1.96
%
|
NT$
0
|
最快30分鐘 |
NT$
5,253
|
|
![]() 滙豐銀行 信用貸款
|
0.01
%
|
NT$
0
|
最快1天
|
NT$
5,001
|
|
![]() 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
|
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
|
1.95
%
|
NT$
168
|
最快1天 |
NT$
5,252
|
|
![]() 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
|
0.01
%
|
NT$
0
|
最快1天 |
NT$
5,001
|
|
![]() 台北富邦 Money101限定專案
|
0.01
%
|
NT$
0
|
最快1天
|
NT$
5,001
|
|
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%。
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。
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
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。
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:
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。
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:
汽車貸款申請主要有3種管道:汽車廠商、銀行汽車貸款及融資公司。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 | |
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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 |
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缺點 |
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建議申辦時間 |
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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。
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。
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。
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。
汽車貸款申請流程只需5個步驟,就能輕鬆申辦汽車貸款:
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。
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。
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。
想精明地貸款,可參考我們的貸款資訊及車貸小撇步,讓你進一步了解車貸的細節。
馬上看個人信貸、小額貸款、無薪資證明貸款、軍公教貸款等貸款方案的最新資訊。