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車貸試算怎麼算? | 線上汽機車貸款試算月還款額、車貸利率、總車貸利息支出比較 - Money101

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。
Money101精選

汽車貸款

快速批核
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

車貸計算機

立即試算總車貸還款額及車貸利息支出

只要透過下方車貸計算機,輸入預計貸款額度、還款期,即可試算下列每個貸款方案的最低每月還款額。

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。

車貸試算推薦哪個車貸方案?

想試算車貸方案但毫無頭續嗎?建議參考以下熱門方案

信用貸款以貸款額NT$300000 還款期 84 個月為例
NT$
edit
NT$ 500,000
NT$ 800,000
edit
36
60
84
小額貸款 開辦費0元 免自行上傳財力證明 多段式利率

台北富邦 Money101限定專案

台北富邦 Money101限定專案
最低每月還款額 NT$
最低貸款利率
 %
info
手續費
NT$
總費用年百分率
 %

優惠

Money101通路限定優惠
手續費NT$0元
手續費NT$0元

活動截止日

2024年 12月 31日

Money101通路限定優惠
首期利率0.01%
首期利率0.01%

活動截止日

2024年 12月 31日

Money101通路限定優惠
申貸月月抽LINE POINTS10,000點
申貸月月抽LINE POINTS10,000點

活動截止日

2024年 12月 31日

帳管費0元 最快5分鐘入帳 免自行上傳財力證明 通路最優惠

渣打銀行 新春貸

渣打銀行 新春貸
最低每月還款額 NT$
最低貸款利率
 %
手續費
NT$
總費用年百分率
 %

2 項優惠

Money101通路限定優惠
最高享$6,000即享券或Airpods Pro 2
最高享$6,000即享券或Airpods Pro 2

+ 1 種其他禮物選項

活動截止日

2024年 12月 31日

Money101通路限定優惠
NT$1,000宜睿即享券
他行轉貸顧客,可再另享 NT$1,000宜睿即享券

活動截止日

2024年 12月 31日

24小時申貸 獨家好禮

樂天國際銀行 樂天貸(分期型)

樂天國際銀行 樂天貸(分期型)
最低每月還款額 NT$
最低貸款利率
 %
手續費
NT$
總費用年百分率
 %
24小時申貸 開辦費0元起

遠東商銀 Online貸

遠東商銀 Online貸
最低每月還款額 NT$
最低貸款利率
 %
手續費
NT$
總費用年百分率
 %

優惠

最新優惠
開辦費0元起(依各專案而定 )
開辦費0元起(依各專案而定 )

活動截止日

2024年 12月 31日

24小時申貸 開辦費0元起 最快5分鐘入帳

凱基銀行 Money101 一段式低利率專案

凱基銀行 Money101 一段式低利率專案
最低每月還款額 NT$
最低貸款利率
 %
手續費
NT$
總費用年百分率
 %

優惠

Money101通路限定優惠
手續費NT$0元
手續費NT$0元

活動截止日

2024年 12月 31日

最快1小時入帳 多段式利率

中國信託 銅板價信貸

中國信託 銅板價信貸
最低每月還款額 NT$
最低貸款利率
 %
info
手續費
NT$
總費用年百分率
 %

2 項優惠

Money101通路限定優惠
NT$1,000宜睿即享券
NT$1,000宜睿即享券

+ 1 種其他禮物選項

活動截止日

2024年 12月 31日

最新優惠
【加碼抽好禮】申貸就抽Rimowa行李箱(1名),線上自行完成申請+撥款再抽NT9,000元!
【加碼抽好禮】申貸就抽Rimowa行李箱(1名),線上自行完成申請+撥款再抽NT9,000元!

活動截止日

2024年 12月 31日

小額貸款 開辦費0元起

台新銀行 Richart信貸

台新銀行 Richart信貸
最低每月還款額 NT$
最低貸款利率
 %
手續費
NT$
總費用年百分率
 %
24小時申貸 開辦費0元起 多段式利率 免自行上傳收入證明

永豐銀行 數時貸 Money101限時專案

永豐銀行 數時貸 Money101限時專案
最低每月還款額 NT$
最低貸款利率
 %
手續費
NT$
總費用年百分率
 %

3 項優惠

Money101通路限定優惠
NT$2,000宜睿即享券
NT$2,000宜睿即享券

活動截止日

2024年 12月 31日

優惠
開辦費0元起
開辦費0元起

活動截止日

2024年 12月 31日

最新優惠
首期利率0.01%
首期利率0.01%

活動截止日

2024年 12月 31日

* 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 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%。

 

2024 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
更多資訊
隱藏資訊
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永豐銀行 汽車貸款

永豐銀行 汽車貸款

最低貸款利率

2.45
%

手續費

NT$
3,500

參考撥貸時間

最快1天
更多資訊
隱藏資訊
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新光銀行 新車貸專案

新光銀行 新車貸專案

最低貸款利率

2.8
%

手續費

NT$
2,600

參考撥貸時間

最快1天
更多資訊
隱藏資訊
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三信銀行 新車買賣貸款

三信銀行 新車買賣貸款

最低貸款利率

2.95
%

手續費

NT$
3,500

參考撥貸時間

最快1天
更多資訊
隱藏資訊
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台新銀行 汽車貸款 - 新車

台新銀行 汽車貸款 - 新車

最低貸款利率

2.99
%

手續費

NT$
2,600

參考撥貸時間

最快1天
更多資訊
隱藏資訊
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星展銀行 星融資專案

星展銀行 星融資專案

最低貸款利率

3.88
%

手續費

NT$
2,600

參考撥貸時間

最快1天
更多資訊
隱藏資訊
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陽信銀行 新車貸款

陽信銀行 新車貸款

最低貸款利率

3
%

手續費

NT$
2,600

參考撥貸時間

最快1天
更多資訊
隱藏資訊
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三大方法讓您貸到最低的車貸利率

購買新車時,除了透過試算計算出最划算的車貸利率?也可參考以下三大方法,讓您省更多:

Comparing the Best Citibank Credit Cards - Gifts

良好的信貸紀錄及穩定的收入

適時讓往來銀行知道自己有利的條件,例如:卡友貸、職業、銀行穩定往來紀錄等,此舉不僅可以提高核貸機率,同時更有機會取得更好的貸款額度與利率。

 

Comparing the Best Citibank Credit Cards - Fees

房貸轉增貸

利用房貸轉增貸的方式,意思是把已還給銀行的房款金額再借出買車,此方式可省下另一筆車貸利息費用,無疑是另種資金周轉的方法。

 

Comparing the Best Citibank Credit Cards - Reviews

小額借款

若車貸額度不足,在購買新車時,可考慮低利率信用貸款方案補足,特別適用於信用評估符合銀行優質客戶,拿到 3% 以下小額信貸利率機率更大。立即利用我們的貸款計算機試算。

 

車貸利率你拿高了嗎? 一張表清楚比較

為了方便大家,不用一一計算各種車貸利率,我們整合了一張比較表讓您一次看清楚。

車貸種類 新車貸款 中古車貸款 原車貸款融資 汽車增貸(轉增貸)
車貸利率 2.8%~6.5% 6%~11% 6%~14% 5%~16%
車貸額度 新車售價7~8成 汽車鑑價7.5~8成 汽車鑑價100~240% 汽車鑑價 100%
車貸期限 最長7年 最長7年 最長5年 最長5年

 

 

急需小額資金?快速查詢個人信用貸款利率三大方法

三大計算公式:Money101 幫你找出額度上限

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負債比DBR22

你有聽過「DBR 22 倍」嗎?「DBR」全名為「Debt Burden Ratio」是「負債比」的英文縮寫, 「DBR 22」代表每個人無擔保債務總額最高不可超過月收入 22 倍,由金管會規定金融機構審核貸款時,須將個人的全體金融機構之無擔保債務總額 ÷ 平均月收入,最後核定貸款金額度不能超過 22 倍,計算項目則包含信用卡循環利息、未繳餘額、分期未繳餘額、預借現金未繳餘額、循環型信貸額度、已撥款信貸未繳餘額及已開始還款學貸的未繳餘額。

Redeeming Citi - Vouchers

月負債收支比

月負債收支比<70%:月負債收支比計算方法為「每個月需償還之負債÷平均月收入×100%」。 平均月收入的計算涵蓋: 固定薪資、獎金、年終獎金等變動薪資納入,加總年收入後再除以 12 個月,簡而言之就是債務人每個月要償還的債務佔平均月收入的比例必須低於 70%。

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總資產負債比

總資產負債比<60%:總資產負債比 = 總負債金額÷總資產 × 100%。總負債金額為個人所有流動負債及長期負債的總和;總資產則含現金存款、定期存款、有價證券、不動產等,除了評估個人固定收入外,還有擁有的總資產是否具備足夠還款能力,銀行會再依此推算最終借貸金額。

影響車貸或信貸額度的其他因素

以上三大計算公式,皆是銀行評估貸款人的負債程度,而除了負債比外,以下三大因素也是用來評估個人信用狀況,而直接影響信貸額度哦。

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財力收入狀況

財力證明是最主要影響銀行核貸的因素之一,通常銀行都會要求借貸人提供薪資證明、勞保明細或扣繳憑單等財力證明,以確保貸款人的還款能力。

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職業、公司、年資

銀行會根據貸款人的職業決定核貸金額,收入高及收入穩定性高的職業會受到銀行青睞,像是教師、醫師、律師、會計師、公務人員等,通常會被給予較高貸款額度。

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個人信用評分

個人信用評分由財團法人金融聯合徵信中心,根據個人金融往來紀錄,包含:負債狀況、延遲繳款紀錄、信用歷史長短、銀行查詢聯徵次數、使用循環信用頻率與比重等因素來評定,銀行會依據個人信用分數高低,來決定信貸額度的多寡。

其他車貸常見問題

原車融資是什麼?又如何試算呢?

原車融資,又稱為汽車融資,是汽車貸款的一種,申請人需以汽車作為擔保品去貸款一筆資金。原車融資分為3大類型:一般原車融資、汽車增貸及前案餘額代償。

  • 一般原車融資:在沒有車貸下,汽車可以直接申請一般原車融資,融資金額及利率會根據汽車價值估算。
  • 汽車增貸:在汽車已經申請過銀行貸款下,再申請汽車增貸,一般是根據汽車剩餘的市值估算,利率會較高。
  • 原車轉增貸:在還未繳清車貸或仍處於分期的狀況下,將汽車貸款移轉至另一間金融機構,並再次申請貸款,有機會要繳交汽車動保設定費及違約金。

銀行的原車融資平均利率是介於 6% - 12% 左右,利率和額度要根據汽車剩餘的市值而定。您可以透過我們的計算機試算。

車貸怎麼貸最划算?

申請車貸時,適時讓銀行知道自己有利的條件,不僅提高核貸機率,同時更有機會取得更好的貸款額度與利率。例如:

  • 房貸增貸購車省利息費: 利用房貸轉增貸,意思是把已還給銀行的房貸金額再借出購車,如此可省下另一筆車貸利息費用。
  • 評估低利小額信用貸款:若車貸額度不足,可用低利信用貸款補足,當你信用評估符合銀行優質客戶,就有更大機會可拿到最低 3% 以下的超優惠小額信貸利率。
  • 職業優勢:如果申請人任職於上市上櫃公司、資本額大於5千萬公司、醫療體系、 金融體系或是軍公教人員,申請車貸時提出相關的職業證明,有助於提高車貸的額度、減低貸款利率。
小額借款是什麼?

過往由於銀行提供五萬左右的貸款比較少,所以民眾都會選擇向親友或者是當鋪去進行小額借款,所以小額借款或者是小額貸款在過去有「向非銀行單位借款」的統稱,但現今的銀行,尤其是網路銀行的盛行,相關借貸手續與成本大幅下降後,銀行也開始可以承接小額貸款的業務,也因此小額貸款回到字面上的意思,即是金額較小的貸款需求。不過,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。

小額借款額度是多少?

小額借款亦屬於信用貸款的一種,差別是可貸額度多半是 30 萬元內。 (信用貸款意指無須任何擔保品、抵押品,僅以個人信用狀況為申請依據的貸款。)

  • 一般銀行小額信貸可貸 30 萬元以內
  • 擔保品小額借款,如手機貸款可貸 2-4 萬
  • 機車貸款最高可貸 15 萬元
  • 汽車貸款最高可貸 200 萬元

車貸跟信貸哪個好?

信貸與車貸的利率會略有些差異,因皆屬信用貸款最終仍是依據個人信用狀況為申請依據,像是

  • 銀行信貸大約在2%~5%或是更高
  • 車貸利率:新車貸款利率大約在3~6%左右,中古車貸款利率大約在5~14%左右
如何計算最多可以貸款多少錢?

就目前規定來看,信貸可以借貸的最高金額為薪水的 22 倍,但多數銀行的信貸最高額度約為 300 萬元,最低起貸門檻則是 10 萬元。

到底哪種貸款產品比較適合我?

市面上的貸款產品五花八門,到底我應該申請哪種呢?有見及此,我們整合了各種不同的貸款產品重點,讓你輕鬆揀選最合適你的方案。

 

汽車貸款 (以新車為例)

小額借款

信用貸款

房屋貸款

用途

為了買汽車或機車而貸款

滿足不同族群的短期資金需求,可解決燃眉之急

生涯規劃(如出國留學、結婚)、公司需要資金周轉、用於醫療開支或正當債務整合。

為了買房子或裝潢而貸款

貸款金額

約40萬~200萬

約5萬~30萬

約10萬~300萬

約350萬~1200萬不等 (根據銀行鑑估淨值及貸款成數來決定)

信貸利率

2.8%~6.5%左右

最低由1.78%起

2.4% ~ 16%左右

1.935% 起

批核時間

最快1至4天可撥款

最快1至3天可撥款

約3至5天即可撥款

需要30至45天不等

還款期數

5~7年 (60~84期)

1~3年 (12~36期)

1~7年 (12~84期)

20~30年 (240~360期)