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車貸試算 - 2023 線上汽機車貸/ 小額借款比較

想購買新車,但仍猶豫貸款方案是選擇車商還是銀行呢?如果本身信用條件優良,是車貸好還是小額貸款好?汽機車貸款月付金會是多少?到底要怎麼分期才划算呢?不想花時間比較車貸試算表,Money101提供車貸計算機,只需輸入貸款金額、還款期及年利率,馬上可以幫助輕鬆計算出車貸的每月還款、總車貸利息支出。立即試算。

新車領到牌照的那一刻,立刻進入中古車或二手車行列,由於一落地就開始折舊的關係,中古車價格通常會比新車來得低,此外最終核貸利率、額度也會因為二手車的狀況、申請管道或申請人信用條件及還款能力等而有所不同。那麼到底中古/新車貸款可貸到多少資金呢?可參考此篇二手車/中古車貸款攻略,快速搞懂申請管道、條件及利率。

二手車全額貸款

若使用二手車作為擔保品到銀行貸款的話,銀行通常會根據該二手車的出產年份、廠牌、款式來鑑定要核准多少的借貸金額。假設貸款者在購入二手車花費30萬,但銀行鑑定後核准借貸的金額為40萬,銀行鑑價超過原本購入價格的情況就稱為「二手車全額貸款」。但若原本購入的價格太低,也必須特別留意檢查該二手車的車況與性能是否良好,以免日後又需花費大量修繕金額,得不償失。

中古車貸款是什麼?

中古車貸款就是提供給要購買中古車車主的一種貸款服務,主要是以中古車作為貸款的擔保品,讓貸款人於購入二手汽車時,手頭上能夠有一筆資金可以先付款,之後再分期繳付貸款費用即可,藉以減輕貸款人的負擔。立即試算。

Money101精選

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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hs_created_at=1686621994475, hs_is_edited=false, hs_deleted_at=0, productname=裕融企業 汽車分期專案, hs_name=, hs_updated_by_user_id=28491723}})

想試算哪些方案沒頭緒? 從以下推薦開始吧!

(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1天

 

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

輸入期望金額、還款期及利率,開始試算

請輸入以下資料
貸款金額
$
請輸入10萬~800萬以內的金額
100,000 8,000,000
還款期(月)
請輸入12~84期以內的期數
年利率
%
最高 16%
請勿大於16%
0 16
每月最低車貸還款額
此工具僅為試算,非實際金額(詳見下方*)
N/A

總車貸還款額 N/A

總車貸利息支出 N/A
Image
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請修改或重設篩選項目
最適合您的快速小額借款

渣打銀行 Money101 限定專案

渣打銀行 Money101 限定專案

手續費

NT$
0

每月最低還款額

N/A

總費用年百分率起

N/A

 於活動期間內透過Money101指定活動頁面連結至渣打銀行申貸平台申辦指定信用貸款專案,成功撥貸(須於2024/1/31前完成撥貸)且撥款金額達新台幣30萬元以上(未達新台幣100萬元)並連續正常繳款達三個月(含)以上且未提前清償者,可享 Money101會員限定好禮「NT$3,000宜睿即享券」;金額達新台幣100萬元以上(含)並正常繳款達三個月(含)以上且未提前清償者,Money101會員可享會員限定好禮「NT$6,000宜睿即享券」或「Apple Airpods Pro 2」二選一,如為他行轉貸顧客,可再另享「NT$1,000宜睿即享券」。
更多資訊
隱藏資訊

滙豐銀行 信用貸款

滙豐銀行 信用貸款

手續費

NT$
0

每月最低還款額

N/A

總費用年百分率起

N/A

2023/12/31前成功撥貸,Money101通路限定享綁約方案開辦費0元起
更多資訊
隱藏資訊

中國信託 銅板價信貸

中國信託 銅板價信貸

手續費

NT$
3,000

每月最低還款額

N/A

總費用年百分率起

N/A

  • 【Money101通路限定】2023.12.1~2023.12.31(含)申辦中國信託信貸,且於2024.1.31(含)前成功撥貸並符合資格者(詳見活動注意事項第1點),可享 Money101會員限定好禮,撥貸NT 50萬(含)以上贈「LaPO無線充行動電源」,每人限回饋一次。
  • 【加碼抽好禮】申貸就抽NT18,888元家樂福禮物卡!
更多資訊
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星展銀行 限時優惠

星展銀行 限時優惠

手續費

NT$
3,000

每月最低還款額

N/A

總費用年百分率起

N/A
更多資訊
隱藏資訊

凱基銀行 Money101專屬限時速還金(循環型)

凱基銀行 Money101專屬限時速還金(循環型)

手續費

NT$
0

每月最低還款額

N/A

總費用年百分率起

N/A

即日起至2023/12/31,於優惠期間內完成申請進件(以凱基銀行之系統進件日為準),享優惠利率0.01%,
更多資訊
隱藏資訊

凱基銀行 Money101限時專案

凱基銀行 Money101限時專案

手續費

NT$
0

每月最低還款額

N/A

總費用年百分率起

N/A

【Money101通路限定】 2023/12/01起至2023/12/31止,透過Money101官網或指定活動頁面連結至指定銀行申貸平台申辦,首期利率0.01%,開辦費最低0元起
更多資訊
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玉山銀行 新戶限定貸款

玉山銀行 新戶限定貸款

手續費

NT$
3,000

每月最低還款額

N/A

總費用年百分率起

N/A

貸款利率:前2期0.88%
更多資訊
隱藏資訊

* 提醒:此計算機使用本息攤還方式,計算每月還款額及利息。此還款額及利息並不代表各銀行會實際提供之金額,僅提供貸款評估試算使用。

1. 比較貸款擁有 最短 12 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 16% 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,貸款利率首期0.01%,第二期起2.99%~15.99%,帳戶管理費及票查費NT$268,每月還款額為新台幣為5,013,而總費用年百分率則為2.93%~15.43%。

 

2023 汽機車貸款排行榜

Money101 提供熱門車子貸款方案排行,幫助快速找到適合你的汽車、機車貸款,掌握最低汽車貸款利率、手續費及最低每月還款額度等車貸資訊。若考慮透過其他合法民間貸款,暸解小額貸款方案像是手機貸款、機車抵押、汽車融資方案等可參考最新 Money101 彙整民間貸款方案。

元大銀行 原車融資

元大銀行 原車融資

最低貸款利率

1.88
%

手續費

NT$
3,500

參考撥貸時間

最快1天
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