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車貸試算- 2024汽機車貸款試算月還款額比較

Q: 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。）1. 一般銀行小額信貸可貸 30 萬元以內2. 擔保品小額借款，如手機貸款可貸 2-4 萬3. 機車貸款最高可貸 15 萬元4. 汽車貸款最高可貸 200 萬元

Q: 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：1. 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。2. 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。3. 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。

Q: 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 1. 銀行信貸大約在2%～5％或是更高2. 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

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。

更多資訊expand_more

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。

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

最低每月還款額 NT$

最低貸款利率

info

首期利率0.01%，第2期起2.58%起

手續費

NT$

總費用年百分率

優惠

Money101通路限定優惠

首期利率0.01%、手續費NT$0元

活動截止日

2024年 04月 30日

限時優惠:【富邦信貸xMoney101限定專案】2024/4/1~2024/4/30内透過Money101行銷活動面申富邦信貸享雙重
- 優惠一: 首期利率0.01%
- 優惠二: 手續費$0元

禮品選項

首期利率0.01%、手續費NT$0元

申辦注意事項 :

年齡18歲以上~未滿64歲，具有穩定收入上班族

銀行往來信用紀錄正常之本國國民

1.本活動期間自即日起至113年4月30日(含)止，客戶須於活動期間內備齊申貸文件完成申辦，且最晚於114年1月31(含)前完成契約簽訂並經台北富邦銀行檢核無誤完成撥款，始享活動優惠。

2.「首期利率0.01%及手續費$0元」優惠僅適用於活動期間透過Money101行銷活動頁面或Money101主頁之台北富邦銀行信貸產品(活動)廣宣連結至線上申請平台完成自助申貸者，且需申辦台北富邦銀行優職貸、上班族信貸、卡友信貸產品，本活動恕無法與台北富邦銀行其他優惠專案合併使用。

3.線上自助申貸定義係指：透過本活動相關廣宣進入信貸線上申辦平台申請案件。

4.線上申請適用對象為台北富邦銀行既有存款客戶、貸款客戶、信用卡正卡客戶或他行臨櫃存款帳戶之客戶(使用指定銀行帳戶認證)。

5.本信用貸款優惠活動適用分期型信貸，分期型信貸首期年利率0.01%、第2期起2.71%~14.98%(依台北富邦銀行指數型房貸基準利率加客戶適用之加碼利率即時機動計息)，以貸款30萬元、期間5年，各項相關費用總金額0元計算，總費用年百分率為2.62%~14.42%。上述優惠活動不適用於循環型信貸。

6.分期型信貸自借款撥付日起算12個月內限制提前清償，違者依下列方式計付提前清償違約金：自借款撥付日起算6個月內提前清償者，按提前清償本金之4%計付，自借款撥付日起算第7個月起至第12個月內提前清償者，按提前清償本金金額之3%計付，客戶欲選擇無限制清償期者，則不適用前開專案優惠，台北富邦銀行另有提供無限制清償期之貸款方案。

7.本廣告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，仍以台北富邦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。

8.總費用年百分率不等於貸款利率。

9.本總費用年百分率之計算基準日為113年4月8日。

10.最快1天核貸，是指於台北富邦銀行營業日9：00~17：00內備齊申請所需文件並送出申請，則最快可於8小時內核貸並於當日簽約及撥款。

11.台北富邦銀行保留客戶資格認定、貸款額度、貸款期限、適用利率及核貸與否之權利。若有其他未盡事宜，悉依台北富邦銀行相關規定或解釋辦理。

12.若您有任何信用貸款申請問題，可撥打申請專線02-6618-8703，由專員為您服務。

13.台北富邦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。

14.本公司(Money101.com.tw)係提供各銀行貸款優惠資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。

15.本公司(Money101.com.tw)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。

申請資格 :

最低年齡要求: 18 歲

最高年齡要求: 64 歲

最低年薪要求: 無最低年薪要求

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 Money101獨家限定專案

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

2 項優惠

Money101通路限定優惠

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 04月 30日

Money101通路限定優惠

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 04月 30日

限時優惠專案

禮品選項

正常繳款達 3 個月(含)以上且未提前清償者 + 撥貸金額達 NT$50 萬元以上(含)

最高享$6,000即享券或Airpods Pro 2

正常繳款達 3 個月(含)以上且未提前清償者

NT$2,000宜睿即享券

限時優惠專案

禮品選項

他行轉貸顧客，可再另享 NT$1,000 宜睿即享券

NT$1,000宜睿即享券

申辦注意事項 :

1.渣打信貸優惠活動(簡稱「本活動」)，限自2024年4月1日(含) 起至2024年4月30日(含)止之申請案件(以渣打銀行記錄之案件進件日為準)，且須於2024年5月31日(含)前完成撥款。

2.適用資格與對象：符合資格之新舊客戶(排除本行非優先理財的自營商客戶)。

3.限制清償期間：本活動須綁約36個月，若於撥款日後12個月(含)內於約定攤還金額外提前償還部分或全部本金時，應支付提前償還金額之4%為提前償還違約金。若於撥款日第13個月(含)至24個月(含)內於約定攤還金額外提前償還部分或全部本金時，應支付提前償還金額之3.5%為提前償還違約金，若於撥款日第25個月(含)至36個月(含)內於約定攤還金額外提前償還部分或全部本金時，應支付提前償還金額之3%為提前償還違約金。

4.財力證明文件：近三個月撥薪存摺、最新年度扣繳憑單（非人工開立格式）、最新年度綜合所得稅單、綜合所得稅各類所得資料清單(限自營業主) 或渣打銀行認可之其他財力證明文件。渣打銀行視個案可能會請申請人補充或追加提供證明文件。申請渣打信貸可透過行動電話驗證取得Mydata財力證明文件，免自行上傳財力文件。惟渣打銀行保留文件徵提與核准與否之權利。

5.帳戶管理費：符合本活動資格之客戶帳戶管理費為0。

6.總費用年百分率：本貸款之總費用年百分率為2.72%~14.26%，該年百分率係以貸款金額NT$300,000，貸款期間五年，貸款年利率前3期0.1%，第4期起2.99%~15.99% (機動計息)，帳戶管理費及票查費合計NT$100等貸款條件計算而得。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渣打銀行定儲利率指數調整日期訂定之，請詳閱渣打銀行官網定儲利率指數說明。

7.本廣告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，仍以渣打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。

8.本貸款年利率依渣打銀行定儲利率指數(I)加碼機動計息，實際貸款利率及總費用年百分率亦將隨之變動，渣打銀行定儲利率指數調整時間為每年2/20、5/20、8/20、11/20，相關訊息請參閱本行網站說明。

9.本活動不得與其他優惠合併使用。

10. 渣打銀行保留客戶資格認定方式、核貸額度、適用利率與核貸與否之權利，詳細之貸款申請注意事項及契約約定內容，以渣打銀行信用貸款申請書暨約定書為準。

11. 渣打銀行另有其他無限制清償期間之貸款方案，詳細內容請洽渣打銀行各業務專員。

12.嚴禁代辦或行銷公司介入渣打銀行貸款。

13.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。

14.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。

申請資格 :

最低年齡要求: 20 歲

最高年齡要求: 64 歲

最低年薪要求: 30 萬元以上

24小時申貸獨家好禮

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

2 項優惠

最新優惠

樂天貸感謝祭限時抽抽樂NT$16,888

活動截止日

2024年 06月 21日

最新優惠

繳稅季享開辦費 NT$666 元優惠

活動截止日

2024年 04月 30日

於2024/4/18~2024/6/21 內成功完成樂天國際銀行樂天貸感謝祭繳稅季一般分期型信用貸款申請及撥款，即可獲得 1 次抽獎資格(適用期間及獲贈資格以樂天國際銀行系統登載之貸款申請日期及撥款日期為準)。活動期間內每人限 1 次抽獎資格。超過 2 次 (含)以上貸款申請及撥款次數，抽獎資格以 1 次計算。如為警示戶、呆帳戶、延遲繳款戶及執行獎項匯款作業時已結清該筆信用貸款者將取消抽獎資格。

禮品選項

樂天貸感謝祭限時抽抽樂NT$16,888

即日起~2024/6/21(含)
1.於活動期間向樂天國際銀行申請「樂天貸感謝祭繳稅季」貸款專案，享開辦費 NT$666 元優惠 (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)

2.於活動期間向樂天國際銀行申請「樂天貸感謝祭繳稅季」貸款專案並選擇限制清償專案利率(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)。符合回饋資格之客戶將享有首期利息減免 50%優惠。

禮品選項

繳稅季享開辦費 NT$666 元優惠

申辦注意事項 :

1. 即日起~2024/4/21(含)前向樂天國際銀行申請「樂天貸感謝祭」貸款專案，享開辦費NT$666元優惠 (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)。

2. 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。貸款總費用年百分率約2.07%~15.72%。貸款金額: 30萬元。貸款期間: 5年。貸款年利率: 1.97%~15.62% (機動計息) 。各項相關費用總金額NT$666元。

(2). 總費用年百分率不等於貸款利率。

(3). 上述機動計息係指樂天國際銀行定儲利率指數加碼0.35%~14.00%而成。

(4). 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2024/3/21)。

3. 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。

4. 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。

5. 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。

6. 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。

7. 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。

8. 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。

9. 還款期限最長84期。
10.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。

11.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

樂天貸分期型快閃好禮活動

1.2024/3/21~2024/4/21申請樂天國際銀行樂天貸感謝祭限制提前清償型一般分期信貸產品，成功申辦撥款金額達NT$30萬(含)以上 (須於2024/4/30前完成撥貸) 並正常繳款兩期期付金且符合條件，可享「Discovery Adventures 28吋運動行李箱+運動腰包」限時快閃好禮(廠商參考售價NT$9,260)。

2.符合活動資格且於2024/3/21~2024/3/31撥款者，樂天國際銀行將於2024/6/1~2024/6/30以電子郵件方式寄送兌獎序號及兌獎網址至符合資格者於樂天國際銀行留存之電子郵件信箱；如於2024/4/1~2024/4/30撥款者，樂天國際銀行將於2024/7/1~2024/7/31以電子郵件方式寄送兌獎序號及兌獎網址至符合資格者於樂天國際銀行留存之電子郵件信箱。

3.於樂天國際銀行執行回饋作業時，該筆貸款不得有結清，且不得有催收、逾期、協商、呆帳等情形或其他違反樂天國際銀行信用貸款契約之情事。樂天國際銀行存款帳戶不得為警示戶或已銷戶等非正常狀態。倘發生前述情形，即喪失本活動資格。

4.本活動資格不得轉讓予他人。

5.樂天國際銀行保留隨時變更活動及資格之權利，若有未盡事宜，悉依樂天國際銀行相關規定。

6.贈獎商品以實際兌換為主，樂天國際銀行僅提供兌獎序號，贈獎商品之產品或服務保固責任應由該廠商負責，與樂天國際銀行無涉。樂天國際銀行對贈獎商品不負任何擔保責任，其瑕疵與保固請逕洽廠商。若因不可歸責於樂天國際銀行之原因致無法提供原有贈獎商品，樂天國際銀行保有更換贈獎商品之權利。得獎者不得要求更換或轉售或將贈獎商品兌換為現金。

7.獎品配送僅限台灣本島區域(不含金門，馬祖等離島區域)。

8.如有任何因電腦、網路、技術或不可歸責於樂天國際銀行之事由，致客戶未符合活動資格，客戶不得因此異議。

9.收到之贈獎商品如有損毀、瑕疵等問題，請與贈獎商品廠商聯絡。贈獎商品之寄送若因客戶留存之領獎地址有誤而造成贈獎商品無法送達或送達錯誤時，恕無法補領奬項。樂天國際銀行非活動贈品之廠商，與其等並無代理、合夥、經紀或提供保證之關係。

10.樂天國際銀行保留變更或終止本活動之權利，如有任何變動，以樂天國際銀行網站之最新公告為準。

11.本活動屬其他所得，得獎者若為中華民國境內居住之個人，其自樂天國際銀行獲得之其他所得年度累積總額超過新臺幣1,000元(不含)者，樂天國際銀行將依相關法令列單申報主管稽徵機關，列入得獎者年度綜合所得。樂天國際銀行依所得稅法第94-1條規定，得免填發各類所得扣繳暨免扣繳憑單予得獎者，若得獎者有需求時請另行提出申請。

申請資格 :

最低年齡要求: 20 歲

最高年齡要求: 65 歲

最低年薪要求: 無最低年薪要求

24小時申貸開辦費0元起

遠東商銀信用貸款

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

限定加碼2,000元即享券

活動截止日

2024年 04月 30日

最新優惠

開辦費0元起

活動截止日

2024年 06月 30日

遠東商銀Online貸 x Money101獨家限定專案

禮品選項

限定加碼2,000元即享券

禮品選項

開辦費0元起

申辦注意事項 :

適用對象：工作滿半年以上之上班族，自營商

「最低每月還款金額將依貸款金額變動」
重要注意事項：

1.專案期間：2024/4/1~2024/6/30

2.本專案對象為全程自主線上申辦信貸(非透過業務人員申請)且撥款成功之客戶。

3.信貸各專案貸款條件，開辦費依遠銀各專案費用為主，利率2.1%~13.98%，各項相關費用總金額NT$1,588~NT$6,500，以貸款NT$30萬、期間5年試算，總費用年百分率2.32%~14.98%(浮動計息)。

4.本專案綁約期48期享開辦費用減免至NT$0。

5.廣告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，仍以遠銀提供之產品為準，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。

6.總費用年百分率不等於貸款利率，本費用年百分率之計算基準2024/2/23。年百分率計算基準日及日後年百分率會依實際借款期間、利率調整等因素而變動。

7.「浮動利率」為依遠銀定儲指數利率加碼浮動計息。

8.若市場狀況變動等因素，遠銀於踐行法定程序後，得為變更或終止優惠活動內容之權利，並保留客戶資格認定、貸款額度、貸款期限、適用利率及核貸與否之權利，實際貸款依個別客戶授信條件而有所不同，相關條件以申請當時遠銀規定及契約書內容所載為準；遠銀將參酌個別客戶條件核予貸款，並保留核貸與否之權利。

8.本公司(Money101.com.tw)係提供各銀行貸款優惠資訊, 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(Money101.com.tw)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。

申請資格 :

最低年齡要求: 18 歲

最高年齡要求: 無最高年齡要求

最低年薪要求: 無最低年薪要求

24小時申貸開辦費0元起最快5分鐘入帳

凱基銀行 Money101限定一段式低利率專案

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

開辦費0元

活動截止日

2024年 06月 30日

申辦注意事項 :

活動期間：2024年3月1日至2024年6月30日止。
適用對象：年收25萬以上，18歲至60歲之本國國民。
本專案需綁約18期開辦費9,000元。
符合本活動條件使用MyData提供財力文件，綁約24期享開辦費減免至5,000元，綁約36期享開辦費減免至0元。
總費用年百分率範例說明：貸款金額30萬，貸款期間5年，貸款利率1.98%~15.99%，各項相關費用總金額0元起，總費用年百分率為1.98%~17.39%。
本廣告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，本總費用年百分率之計算基準日係依據專案適用日之凱基銀行指數利率調整日期訂定之，請詳閱凱基銀行官網指數利率說明。
各信用貸款專案內容及條件均不同，詳細內容依凱基銀行最新規定為準，相關內容及限制條件請洽凱基銀行官網，凱基銀行保留核貸與否、詮釋、裁決及終止權利。
幣別：新臺幣
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。
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。

申請資格 :

最低年齡要求: 18 歲

最高年齡要求: 60 歲

最低年薪要求: 25 萬元以上

最長寬限期3年最快1小時入帳多段式利率

中國信託銅板價信貸

最低每月還款額 NT$

最低貸款利率

info

首期一律0.01%(固定)、第2期起2.90%起(機動計息)

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

+ 1 種其他禮物選項

活動截止日

2024年 04月 30日

最新優惠

【加碼抽好禮】申貸就抽雙人來回機票，線上自行完成申請+撥款再抽NT9,000元！

活動截止日

2024年 06月 30日

【Money101通路限定】2024.4.1~2024.4.30(含)申辦中國信託信貸，且於2024.05.31(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「宜睿1000元即享券」，撥貸NT 100萬(含)以上贈「Apple HomePod Mini」，每人限回饋一次。

禮品選項

撥貸 NT$50 萬元（含）以上

NT$1,000宜睿即享券

撥貸 NT$100 萬元（含）以上

Apple HomePod Mini

禮品選項

【加碼抽好禮】申貸就抽雙人來回機票，線上自行完成申請+撥款再抽NT9,000元！

申辦注意事項 :

年齡18-65 歲之中華民國國民；年收入需達NT 30萬元(含)以上

《0.01%優惠專案注意事項》

1.符合下列條件且認證通過之客戶可「免上傳文件」，中國信託銀行仍保留文件徵提之權利：中國信託銀行非數位存款戶或中國信託銀行貸款戶，申請中信軟體憑證並通過認證，並授權中國信託銀行透過財團法人金融聯合徵信中心介接使用公務機關資料，查詢財政部個人最新年度所得資料以及勞動部職業投保資料得免上傳收入文件。中國信託銀行往來留存之身分證換補領資訊為最新資訊，且客戶手動填寫資訊相符時，可免上傳身分證。

2.本專案期間自即日起至2024年6月30日(含)止向中國信託銀行申請 (適用期間以中國信託銀行系統登載之貸款申請收件日期為準)。

3.前述利率係中國信託銀行分期型貸款產品，總費用年百分率為3.21%~14.87%，該年百分率係以貸款金額NT30萬元，貸款期間5年，貸款年利率首期0.01%、第二期起2.90%~14.98%(機動計息)，開辦費NT3,000元，計算而得。本貸款總費用年百分率之計算基準日為2023年5月23日。

4.上述機動計息係指定儲利率指數加碼1.29%~13.37%而成，定儲利率訂價指數係參考臺銀、合庫、土銀、一銀、彰銀、華銀、臺灣企銀、國泰世華、兆豐國際商銀、台北富邦等十家本國銀行之一年期固定利率定儲平均利率為訂價指數，每次取樣時，排除最高及最低各兩家銀行，以剩餘之六家銀行為取樣銀行。調整時間為每年2月23日、5月23日、8月23日、11月23日。詳依「中國信託個人信用貸款約定書」之約定。

5.自借款撥款日起6個月內提前清償借款本金者，按提前清償借款本金金額4%計付提前清償違約金；自借款撥款日第7個月起至第12個月內提前清償借款本金者，按提前清償借款本金金額3%計付提前清償違約金。詳依「中國信託個人信用貸款約定書」之約定。

6.本廣告所揭露之年百分率係按銀行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。

7.中國信託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，相關內容以活動網站最新公告為準。

8.上述金額幣別皆為新臺幣。

《共通注意事項》

1.本公司(Money101.com.tw)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。

2.本公司(Money101.com.tw)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。

申請資格 :

最低年齡要求: 18 歲

最高年齡要求: 65 歲

最低年薪要求: 無最低年薪要求

小額貸款開辦費0元起

台新銀行 Richart大口貸

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

3 項優惠

Money101通路限定加碼

1,000元電子禮券

活動截止日

2024年 06月 30日

最新優惠

大口貸最低1.96%

活動截止日

2024年 05月 31日

最新優惠

辦大口貸，完成任務並撥款成功得2000元禮券

活動截止日

2024年 06月 30日

禮品選項

1,000元電子禮券

禮品選項

大口貸最低1.96%

禮品選項

辦大口貸，完成任務並撥款成功得2000元禮券

申辦注意事項 :

1. 本專案活動僅限進件時從未持有台新銀行信用貸款之客戶適用。2.本專案活動限自113/4/1起至113/5/31止之期間內，備齊相關申貸文件透過台新銀行(下稱台新銀行) Richart官網申辦(申辦日以台新銀行系統登載日為準)本專案信用貸款且撥款成功者，始有適用。3.續約、改貸或協商、協議之撥款交易案件，不適用本活動。如已適用台新銀行其他特殊優惠專案者，則不適用本活動優惠。4.線上申辦一段式本利攤還型產品且限制清償期60期(含)以上者，可享手續費NT$0。5.信用貸款一段式(本利攤還型)，總費用年百分率計算範例：貸款金額NT$30萬，貸款期間5年(限制清償期為60期)，貸款年利率1.96%~15%(機動計息)，各項相關費用總金額NT$0(原費用NT$9,000)，總費用年百分率為1.96%~15%。6.前述機動計息，係按台新銀行三個月期定儲利率指數利率，調整時間為每年3/21、6/21、9/21、12/21。7.本活動總費用年百分率之計算基準日為113/3/21。本廣告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，仍以台新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。8.台新銀行另有提供無限制清償期間之貸款方案，詳情請洽台新銀行貸款專員。9.台新銀行保留最終核准貸款與否、貸款金額、年限及各項貸款條件之權利。10.台新銀行未與任何代辦業者或行銷公司合作辦理貸款事宜，敬請您留意，以免損害自身權益。11.本活動或其他相關產品詳情內容，可撥打台新銀行客服專線02-26553355洽詢，由專人為您服務。
12. Money101公司(Money101.com.tw)係提供各銀行貸款優惠資訊, 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. Money101公司(Money101.com.tw)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。

申請資格 :

最低年齡要求: 20 歲

最高年齡要求: 60 歲

最低年薪要求: 無最低年薪要求

24小時申貸開辦費0元起多段式利率免自行上傳財力證明

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

宜睿2000元福利即享券

活動截止日

2024年 04月 30日

優惠

開辦費0元起

活動截止日

2024年 06月 30日

最新優惠

首期利率0.01%

活動截止日

2024年 06月 30日

申辦注意事項 :

適用對象: 信用正常且具穩定收入之一般客群，年滿18-60歲本國國民，年收入達新臺幣30萬元以上
不適用對象：自營商、自由業、外國人、學生
1. 本專案貸款期間最長7年，優惠活動期間自即日起至2024年6月30日(含)止，於期間內備齊相關申貸文件向永豐銀行申辦(申請日以永豐銀行系統登載日為準)，且於2024年7月31日(含)前撥款成功者始得適用。

2.總費用年百分率範例：貸款金額新臺幣30萬元，五年期，貸款年利率：首期為固定利率0.01%，第二期起為機動利率2.4%~14.99%，各項相關費用總金額：新臺幣0元~9,000元，總費用年百分率2.32%~15.82%，總費用年百分率不等於貸款利率。本總費用年百分率之計算基準日為2024年4月22日。

3.前述機動利率之計算方式I+0.69%~13.28%，「I」係指永豐銀行個人金融放款產品指標利率(月調)，依以十大行庫平均一年期定儲固定利率與永豐銀行一年期定儲牌告固定利率，採孰低者訂之，「I」目前為1.71%，計算基準日為2024年4月22日。

4. 本廣告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。

5. 本貸款還款方式採按月平均攤還本息。

6. 提前清償違約金：【限制清償期間為自借款撥款日起12個月(含)以上者適用】

(1)於限制清償期間清償全部或部分借款，需依提前清償本金乘上違約金比率計付提前清償違約金。

(2)違約金比率︰自借款撥款日起算6個月內提前清償者，按提前清償本金金額之4%計收；自借款撥款日起算第7個月起至限制清償期間止日內提前清償者，按提前清償本金金額之3%計收。提前清償違約金計算方式依個別約定書約定為準。

7. 限制清償期間約定60個月者，可享手續費0元。

8. 永豐銀行另有提供無限制清償期間之貸款方案，詳情請洽永豐銀行貸款專員。

9. 永豐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，實際內容以永豐銀行最新公告為準。申貸所需之條件、資料及實際核准利率，綁約條件等產品內容，視個別情況有所不同。

10.永豐銀行信貸產品請至https://bank.sinopac.com/sinopacBT/webevents/psn_loan/index.html查詢。永豐銀行營業據點請至https://bank.sinopac.com/MMA8/CustomerService/BranchService/branch.html查詢。
11.本公司(Money101.com.tw)係提供各銀行貸款優惠資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。
12.本公司(Money101.com.tw)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。

《通路限定活動注意事項》

(1)活動期間及資格：2024/4/15 至 2024/4/30 (含)前透過Money101線上申辦永豐銀行數時貸，並於2024/5/31前完成撥貸，可享Money101會員限定好禮「宜睿2,000元多選一福利即享券」(可使用通路包含：家樂福、遠東SOGO百貨、遠東百貨、王品集團、7-ELEVEN 、屈臣氏、統一時代百貨台北店、遠東巨城購物中心、大潤發、台北101、漢神百貨/漢神巨蛋、特力集團)，每人限回饋一次。
(2)回饋方式及相關使用限制：通路限定好禮將於2024/09/13前由永豐銀行傳送簡訊至申辦人登錄於永豐銀行之通訊手機號碼，以簡訊方式提「宜睿多選一福利即享券」兌換序號。本活動贈品不得要求更換、轉讓他人或折換現金，且兌換券為不記名，一旦收取後，若有遺失或被竊，永豐銀行不發給任何證明或補償。
(3)Money101 通路限定首刷禮領取方式：

請點擊手機簡訊的專屬優惠連結，您會來到Money101官網，完成以下三步驟，即能在線上兌換新戶好禮。

步驟① - 選擇您想要的新戶首刷加碼禮

步驟② - 登入/註冊Money101會員之後，點選立即兌換

步驟③ - 收到兌換連結後，輸入密碼即可前往兌換/使用Money101通路限定加碼好禮

*請於2024/12/31 前至Money101網站兌換領取您的贈品, 逾期視同放棄兌領, 恕不補發。

*提醒您，贈品一經點選兌換即無法更換品項。

*如為實體贈品，請留意贈品歸戶後仍須前往兌換頁面完成配送資訊填寫，始為完成兌換。

*如遇產品斷貨、缺貨或其他不可抗力之事由，Money101得保留更換贈品之權利

「宜睿多選一福利即享券」使用注意事項：

無效期餘額型，可分次抵用。
可使用通路包含：家樂福、遠東SOGO百貨、遠東百貨、王品集團、7-ELEVEN 、屈臣氏、統一時代百貨台北店、遠東巨城購物中心、大潤發、台北101、漢神百貨/漢神巨蛋、特力集團，以上12大通路須擇一使用，一但選定通路，限全額度於單一通路兌換使用。
發行人：Edenred Taiwan 新加坡商宜睿智慧股份有限公司台灣分公司。
本券為企業贈品專用，請於指定日期前兌換，不得零售或轉售。
本券為不記名，任何人持本券皆可使用，請自行妥善保管，如遭他人盜用，本券不再補發。
本券所兌換之商品或折抵消費之金額不予開立統一發票。
本券有效與否，以發行人票券系統所記錄之狀態為憑。如系統因網路連線有所遲延，依兌換商家系統端資訊為準。
本券為有價證券，請勿擅自偽造、變造，以免觸犯刑責。

(4)主辦單位具有解釋、變更獎項內容或終止本活動優惠內容之權利，如因不可抗拒之因素，有權更換獎項為等值商品。

申請資格 :

最低年齡要求: 18 歲

最高年齡要求: 60 歲

最低年薪要求: NT$ 30 萬元以上

* 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%。

快速批核

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

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

產品特色注意事項申請資格

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\n(3) 總費用年百分率不等於貸款利率。 \n
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<br>
(2) 本廣告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。 
<br>
(3) 總費用年百分率不等於貸款利率。 
<br>
(4) 本總費用年百分率之計算基準日為2023年2月24日。 
<br>
(5) 本公司係提供各銀行貸款優惠資訊, 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>
(6) 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.CL.YUAN0001.元大銀行 原車融資, totalRepayment=null})

Debug data (Raw)


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(2) 本廣告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。 


(3) 總費用年百分率不等於貸款利率。 


(4) 本總費用年百分率之計算基準日為2023年2月24日。 


(5) 本公司係提供各銀行貸款優惠資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。 


(6) 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=6, loanTenureMax=60, loanAmountMin=10000.0, loanAmountMax=2000000.0, apr=4.28, eir=null, interestRate=1.88, fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, feeInterval=ONCE, value=3500, calculationMethod=FIXED, paymentMethod=IGNORE, description={shortDescription=, longDescription=, tooltip=}}], transferRate=1}], fees=[], defaults={loanTenure=84, loanAmount=300000}, loanType=PRINCIPAL_REDUCING, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=YEARLY, paymentInterval=MONTHLY}}

Debug data


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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

產品特色注意事項申請資格

Debug data (JSON)

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\n(2) 本廣告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，仍以銀行提供之商品為準。且每一客戶實際之年百分率仍視其個別貸款商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(3) 本總費用年百分率之計算基準日為2022/4/7。 \n
\n(4) 本商品需經由永豐銀行徵信審核程序，核准通過始可貸放，貸款利率採固定計息。 \n
\n(5) 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
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<br>
(2) 本廣告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，仍以銀行提供之商品為準。且每一客戶實際之年百分率仍視其個別貸款商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>
(3) 本總費用年百分率之計算基準日為2022/4/7。 
<br>
(4) 本商品需經由永豐銀行徵信審核程序，核准通過始可貸放，貸款利率採固定計息。 
<br>
(5) 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>
(6) 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.CL.SINO0001.永豐銀行 汽車貸款, totalRepayment=null})

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(2) 本廣告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，仍以銀行提供之商品為準。且每一客戶實際之年百分率仍視其個別貸款商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。 


(3) 本總費用年百分率之計算基準日為2022/4/7。 


(4) 本商品需經由永豐銀行徵信審核程序，核准通過始可貸放，貸款利率採固定計息。 


(5) 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。 


(6) 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=6, loanTenureMax=60, loanAmountMin=50000.0, loanAmountMax=3000000.0, apr=2.81, eir=null, interestRate=2.45, fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, feeInterval=ONCE, value=3500, calculationMethod=FIXED, paymentMethod=IGNORE, description={shortDescription=, longDescription=, tooltip=}}], transferRate=2}], fees=[], defaults={loanTenure=84, loanAmount=300000}, loanType=PRINCIPAL_REDUCING, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=YEARLY, paymentInterval=MONTHLY}}

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    null


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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

產品特色注意事項申請資格

Debug data (JSON)

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\n(3) 總費用年百分率不等於貸款利率。 \n
\n(4) 總費用年百分率之計算基準日為2020年4月15日。 \n
\n(5) 本公司係提供各銀行貸款優惠資訊, 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
\n(6) 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.CL.SKBX0001.新光銀行 新車貸專案","totalRepayment":null}

Debug data (Print)


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<br>
(2) 本廣告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，仍以本行提供之產品為準，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。 
<br>
(3) 總費用年百分率不等於貸款利率。 
<br>
(4) 總費用年百分率之計算基準日為2020年4月15日。 
<br>
(5) 本公司係提供各銀行貸款優惠資訊, 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>
(6) 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.CL.SKBX0001.新光銀行 新車貸專案, totalRepayment=null})

Debug data (Raw)


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(2) 本廣告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，仍以本行提供之產品為準，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。 


(3) 總費用年百分率不等於貸款利率。 


(4) 總費用年百分率之計算基準日為2020年4月15日。 


(5) 本公司係提供各銀行貸款優惠資訊, 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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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

產品特色注意事項申請資格

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<br>
(2) 本廣告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，實際貸款條件仍以三信商銀提供之產品為準，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。 
<br>
(3) 總費用年百分率不等於貸款利率 
<br>
(4) 本總費用年百分率之計算基準日為111年7月1日。 
<br>
(5) 本公司係提供各銀行貸款優惠資訊, 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>
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(2) 本廣告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，實際貸款條件仍以三信商銀提供之產品為準，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。 


(3) 總費用年百分率不等於貸款利率 


(4) 本總費用年百分率之計算基準日為111年7月1日。 


(5) 本公司係提供各銀行貸款優惠資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。 


(6) 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=13, loanTenureMax=84, loanAmountMin=100000.0, loanAmountMax=5000000.0, apr=3.31, eir=null, interestRate=2.95, fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, feeInterval=ONCE, value=3500, calculationMethod=FIXED, paymentMethod=IGNORE, description={shortDescription=, longDescription=, tooltip=}}], transferRate=2}], fees=[], defaults={loanTenure=84, loanAmount=300000}, loanType=PRINCIPAL_REDUCING, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=YEARLY, paymentInterval=MONTHLY}}

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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

產品特色注意事項申請資格

Debug data (JSON)

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\n(3) 總費用年百分率不等於貸款利率。 \n
\n(4) 本總費用年百分率之計算基準日為2022年10月1日。 \n
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Debug data (Print)


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<br>
(2) 本廣告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，實際貸款條件仍以台新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。 
<br>
(3) 總費用年百分率不等於貸款利率。 
<br>
(4) 本總費用年百分率之計算基準日為2022年10月1日。 
<br>
(5) 本公司係提供各銀行貸款優惠資訊, 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>
(6) 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.CL.TAIS0001.台新銀行 汽車貸款 - 新車, totalRepayment=null})

Debug data (Raw)


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(2) 本廣告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，實際貸款條件仍以台新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。 


(3) 總費用年百分率不等於貸款利率。 


(4) 本總費用年百分率之計算基準日為2022年10月1日。 


(5) 本公司係提供各銀行貸款優惠資訊, 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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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

產品特色注意事項申請資格

Debug data (JSON)

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\n(2) 總費用年百分率不等於貸款利率。\n
\n(3) 本總費用年百分率之計算基準日為2015年7月20日。\n
 \n(4) 星展銀行保留核貸與否及修改本專案相關規定之權利。星展銀行有權視申請人信用狀況及市場情況等，決定個人之利率條件、核貸額度及貸款期間。\n
\n(5) 總費用年百分率範例：貸款金額新台幣40萬元；貸款期限5年；貸款利率第一期~第六期利率3.88%，第七期起利率5.88%；各項相關費用總金額新台幣2,600元 / 筆；總費用年百分率5.76%。\n
\n(6) 上揭內容僅摘要星展銀行汽車貸款之部分條件，詳細約定以星展銀行(台灣)車輛動產抵押貸款契約書為準，欲查詢詳情及相關限制，請洽星展銀行(台灣)各分行或致電星展銀行客戶服務中心電話：0800-808-889。\n
\n(7) 本公司(Money101.com.tw)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
\n(8) 本公司(Money101.com.tw)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.CL.DBSX0002.星展銀行 星融資專案","totalRepayment":null}

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<br>
(2) 總費用年百分率不等於貸款利率。
<br>
(3) 本總費用年百分率之計算基準日為2015年7月20日。
<br> 
(4) 星展銀行保留核貸與否及修改本專案相關規定之權利。星展銀行有權視申請人信用狀況及市場情況等，決定個人之利率條件、核貸額度及貸款期間。
<br>
(5) 總費用年百分率範例：貸款金額新台幣40萬元；貸款期限5年；貸款利率第一期~第六期利率3.88%，第七期起利率5.88%；各項相關費用總金額新台幣2,600元 / 筆；總費用年百分率5.76%。
<br>
(6) 上揭內容僅摘要星展銀行汽車貸款之部分條件，詳細約定以星展銀行(台灣)車輛動產抵押貸款契約書為準，欲查詢詳情及相關限制，請洽星展銀行(台灣)各分行或致電星展銀行客戶服務中心電話：0800-808-889。
<br>
(7) 本公司(Money101.com.tw)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>
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(2) 總費用年百分率不等於貸款利率。


(3) 本總費用年百分率之計算基準日為2015年7月20日。

 
(4) 星展銀行保留核貸與否及修改本專案相關規定之權利。星展銀行有權視申請人信用狀況及市場情況等，決定個人之利率條件、核貸額度及貸款期間。


(5) 總費用年百分率範例：貸款金額新台幣40萬元；貸款期限5年；貸款利率第一期~第六期利率3.88%，第七期起利率5.88%；各項相關費用總金額新台幣2,600元 / 筆；總費用年百分率5.76%。


(6) 上揭內容僅摘要星展銀行汽車貸款之部分條件，詳細約定以星展銀行(台灣)車輛動產抵押貸款契約書為準，欲查詢詳情及相關限制，請洽星展銀行(台灣)各分行或致電星展銀行客戶服務中心電話：0800-808-889。


(7) 本公司(Money101.com.tw)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。 


(8) 本公司(Money101.com.tw)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=13, loanTenureMax=60, loanAmountMin=100000.0, loanAmountMax=3000000.0, apr=5.76, eir=null, interestRate=3.88, fees=[], transferRate=null}], fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, feeInterval=ONCE, value=2600, calculationMethod=FIXED, paymentMethod=IGNORE, description={shortDescription=, longDescription=, tooltip=}}], defaults={loanTenure=84, loanAmount=300000}, loanType=PRINCIPAL_REDUCING, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=YEARLY, paymentInterval=MONTHLY}}

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陽信銀行新車貸款

最低貸款利率

手續費

NT$

2,600

參考撥貸時間

最快1天

更多資訊

隱藏資訊

產品特色注意事項申請資格

Debug data (JSON)

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\n(3) 總費用年百分率不等於貸款利率。 \n
\n(4) 本總費用年百分率之計算基準日為2019年10月8日 \n
\n(5) 本公司係提供各銀行貸款優惠資訊, 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
\n(6) 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.CL.SUNN0001.陽信銀行 新車貸款","totalRepayment":null}

Debug data (Print)


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<br>
(2) 本廣告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。 
<br>
(3) 總費用年百分率不等於貸款利率。 
<br>
(4) 本總費用年百分率之計算基準日為2019年10月8日 
<br>
(5) 本公司係提供各銀行貸款優惠資訊, 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>
(6) 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.CL.SUNN0001.陽信銀行 新車貸款, totalRepayment=null})

Debug data (Raw)


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(2) 本廣告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。 


(3) 總費用年百分率不等於貸款利率。 


(4) 本總費用年百分率之計算基準日為2019年10月8日 


(5) 本公司係提供各銀行貸款優惠資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。 


(6) 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=13, loanTenureMax=84, loanAmountMin=100000.0, loanAmountMax=3000000.0, apr=3.26, eir=null, interestRate=3.0, fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, feeInterval=ONCE, value=2600, calculationMethod=FIXED, paymentMethod=IGNORE, description={shortDescription=, longDescription=, tooltip=}}], transferRate=3}], fees=[], defaults={loanTenure=84, loanAmount=300000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=YEARLY, paymentInterval=MONTHLY}}

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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。

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）

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

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