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汽车贷款算法 Car Loan Calculation

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我跟大家分享如何计算贷款车期(car loan installment)。

如果一个人给了RM 500 的定金,打算给 10% Perodua Bezza 车价的头期钱,供九年的车期。请问他要在每个月还多少钱呢? Bezza 的价钱从最低 RM 37,300 (Bezza 1.0 Standard G – Manual) 至 RM 50,800 (Bezza 1.3 Advance)。

Perodua Bezza

Perodua Bezza 1.3 Premium X Manual 的车价 = RM 42,800

银行的利息大约有三种,个别银行有不同的贷款配套 (Hire Purchase Car Loan):

  • 贷款 3-5 年 3.15%
  • 贷款 6-7 年 3.25%
  • 贷款 8-9 年 3.35%

定金(Booking) : RM 500
头期钱(Deposit) : RM 4,280

银行贷款(Bank Loan):
RM 42,800 – RM 500 – RM 4,280 = RM 38,020

一年利息 (one year interest):
RM 38,020 x 3.35% = RM 1274

九年利息 (nine years interest):
RM 1274 x 9 = RM 11,466

总共 (Total):
RM 11,466 + RM 38,020 = RM 49,486

每个月还 (Installment):
RM 49,486 / (九年x 十二个月)= RM 458

一辆 Perodua Bezza 的车,供 9 年,每个月都需要接近 RM 500。这都还没加汽油,过路费,维修费等,一个月平均都要 RM 700。每个月差不多三分一的工资薪金都花在小汽车身上。如果不驾车,搭轻快铁上班可行吗?

The post 汽车贷款算法 Car Loan Calculation appeared first on MisterLeaf.


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