Re: [問題] 現金分期買車 跟融資公司借錢不好嗎?
※ 引述《dayvidya (dayvidya)》之銘言:
: 我是大學生 想買台機車當代步工具 鎖定新迪爵
: 因為不想一次花掉太多打工存的錢 想分期買機車
: 不過我沒有信用卡
: 原本想去申請看看 但google和詢問有信用卡的同學後 發現銀行給學生的額度通常都很少
: 所以想試試用現金分期的方法 但家人說這種方法就是跟融資公司借錢 風險滿高的
: 我同學很多朋友也是分期買機車 也沒有怎麼樣 而且這方法好像是常態
: 有把利率算清楚的話 想知道現金分期有什麼壞處?
: 希望板上有現金分期買車的各位可以分享經驗
: 謝謝
現在和車商配合的都是融資公司啊
不要以為說融資公司就是什麼地下錢莊
這都是合法的金融公司
簡單來說 分期購車 不管是不是什麼零利率 以及 現金購車 最大的差別就在於
你分期購車需要先支付一筆手續費 這金額看你分期的期數而定
一般大多是收4000元
其實羊毛出在羊身上,這4000元 其實就是你去購車時車商說的零利率 產生的利息
你只是先提前將利息給付清了,所以接下來的分期只需要付本金即可
想也知道 天底下哪有這麼好的事,你是跟車商買車、銀行免費借你錢買車 還不收利息
你想有可能有這種事嗎 ? 車商賣一台車又不會分紅給融資公司或銀行
這些融資公司幹嘛要這麼好心 ?
所以如果預算足夠的話 建議直接現金買車 可以省下4000塊
再不行的話 跟爸媽借 你把這4000元給爸媽賺 也比給融資公司賺來的好
真的都不行 才考慮用分期去購車
--
※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 27.247.10.36 (臺灣)
※ 文章網址: https://www.ptt.cc/bbs/biker/M.1695055478.A.7D0.html
推
09/19 00:46,
2周前
, 1F
09/19 00:46, 1F
→
09/19 00:46,
2周前
, 2F
09/19 00:46, 2F
→
09/19 00:49,
2周前
, 3F
09/19 00:49, 3F
推
09/19 02:28,
2周前
, 4F
09/19 02:28, 4F
→
09/19 02:29,
2周前
, 5F
09/19 02:29, 5F
→
09/19 02:30,
2周前
, 6F
09/19 02:30, 6F
→
09/19 02:33,
2周前
, 7F
09/19 02:33, 7F
→
09/19 02:34,
2周前
, 8F
09/19 02:34, 8F
→
09/19 02:39,
2周前
, 9F
09/19 02:39, 9F
推
09/19 03:19,
2周前
, 10F
09/19 03:19, 10F
→
09/19 03:19,
2周前
, 11F
09/19 03:19, 11F
→
09/19 03:19,
2周前
, 12F
09/19 03:19, 12F
推
09/19 03:20,
2周前
, 13F
09/19 03:20, 13F
→
09/19 03:20,
2周前
, 14F
09/19 03:20, 14F
推
09/19 03:27,
2周前
, 15F
09/19 03:27, 15F
→
09/19 03:27,
2周前
, 16F
09/19 03:27, 16F
→
09/19 04:01,
2周前
, 17F
09/19 04:01, 17F
→
09/19 04:01,
2周前
, 18F
09/19 04:01, 18F
→
09/19 04:01,
2周前
, 19F
09/19 04:01, 19F
→
09/19 04:01,
2周前
, 20F
09/19 04:01, 20F
→
09/19 04:01,
2周前
, 21F
09/19 04:01, 21F
→
09/19 04:01,
2周前
, 22F
09/19 04:01, 22F
→
09/19 04:01,
2周前
, 23F
09/19 04:01, 23F
推
09/19 06:18,
2周前
, 24F
09/19 06:18, 24F
→
09/19 06:18,
2周前
, 25F
09/19 06:18, 25F
推
09/19 08:15,
2周前
, 26F
09/19 08:15, 26F
→
09/19 08:15,
2周前
, 27F
09/19 08:15, 27F
→
09/19 08:39,
2周前
, 28F
09/19 08:39, 28F
→
09/19 09:12,
2周前
, 29F
09/19 09:12, 29F
→
09/19 09:13,
2周前
, 30F
09/19 09:13, 30F
→
09/19 09:16,
2周前
, 31F
09/19 09:16, 31F
→
09/19 09:16,
2周前
, 32F
09/19 09:16, 32F
推
09/19 09:19,
2周前
, 33F
09/19 09:19, 33F
→
09/19 09:19,
2周前
, 34F
09/19 09:19, 34F
→
09/19 09:22,
2周前
, 35F
09/19 09:22, 35F
→
09/19 09:30,
2周前
, 36F
09/19 09:30, 36F
→
09/19 09:31,
2周前
, 37F
09/19 09:31, 37F
→
09/19 10:06,
2周前
, 38F
09/19 10:06, 38F
→
09/19 10:06,
2周前
, 39F
09/19 10:06, 39F
推
09/19 10:06,
2周前
, 40F
09/19 10:06, 40F
→
09/19 10:06,
2周前
, 41F
09/19 10:06, 41F
→
09/19 10:06,
2周前
, 42F
09/19 10:06, 42F
推
09/19 10:21,
2周前
, 43F
09/19 10:21, 43F
推
09/19 10:23,
2周前
, 44F
09/19 10:23, 44F
推
09/19 10:43,
2周前
, 45F
09/19 10:43, 45F
推
09/19 10:46,
2周前
, 46F
09/19 10:46, 46F
→
09/19 10:46,
2周前
, 47F
09/19 10:46, 47F
→
09/19 10:48,
2周前
, 48F
09/19 10:48, 48F
→
09/19 10:48,
2周前
, 49F
09/19 10:48, 49F
推
09/19 11:03,
2周前
, 50F
09/19 11:03, 50F
噓
09/19 11:05,
2周前
, 51F
09/19 11:05, 51F
推
09/19 11:12,
2周前
, 52F
09/19 11:12, 52F
→
09/19 11:12,
2周前
, 53F
09/19 11:12, 53F
→
09/19 13:16,
2周前
, 54F
09/19 13:16, 54F
→
09/19 13:18,
2周前
, 55F
09/19 13:18, 55F
推
09/19 13:18,
2周前
, 56F
09/19 13:18, 56F
推
09/19 14:11,
2周前
, 57F
09/19 14:11, 57F
→
09/19 15:34,
2周前
, 58F
09/19 15:34, 58F
推
09/19 16:05,
2周前
, 59F
09/19 16:05, 59F
推
09/19 16:09,
2周前
, 60F
09/19 16:09, 60F
推
09/19 16:11,
2周前
, 61F
09/19 16:11, 61F
推
09/19 16:27,
2周前
, 62F
09/19 16:27, 62F
→
09/19 16:27,
2周前
, 63F
09/19 16:27, 63F
→
09/19 16:27,
2周前
, 64F
09/19 16:27, 64F
推
09/19 16:31,
2周前
, 65F
09/19 16:31, 65F
→
09/19 16:31,
2周前
, 66F
09/19 16:31, 66F
→
09/19 16:31,
2周前
, 67F
09/19 16:31, 67F
→
09/19 16:31,
2周前
, 68F
09/19 16:31, 68F
推
09/19 17:06,
2周前
, 69F
09/19 17:06, 69F
推
09/19 18:34,
2周前
, 70F
09/19 18:34, 70F
推
09/19 18:43,
2周前
, 71F
09/19 18:43, 71F
→
09/19 18:43,
2周前
, 72F
09/19 18:43, 72F
→
09/19 19:02,
2周前
, 73F
09/19 19:02, 73F
→
09/19 19:03,
2周前
, 74F
09/19 19:03, 74F
推
09/19 19:07,
2周前
, 75F
09/19 19:07, 75F
→
09/19 19:07,
2周前
, 76F
09/19 19:07, 76F
推
09/19 22:01,
2周前
, 77F
09/19 22:01, 77F
→
09/20 03:45,
2周前
, 78F
09/20 03:45, 78F
→
09/20 03:46,
2周前
, 79F
09/20 03:46, 79F
→
09/20 03:47,
2周前
, 80F
09/20 03:47, 80F
→
09/20 03:47,
2周前
, 81F
09/20 03:47, 81F
→
09/20 03:47,
2周前
, 82F
09/20 03:47, 82F
→
09/20 03:47,
2周前
, 83F
09/20 03:47, 83F
討論串 (同標題文章)
biker 近期熱門文章
47
94
27
78
PTT體育區 即時熱門文章