购买二手车使买家能以相对较低的价格购得状况良好的汽车,而不必花费更多预算购买新车。
新车一般在开车注册落地后前三年通常其贬值较大,而选择购买二手车,第二任车主在购车后通常能保持较好保值率,俗称 Good RV。
然而,尽管车龄越大二手价通常越低,但问题是利率和贷款限额会有所不同。因此,尽管价格可能更便宜,你可能最终要支付更多的利息,并且需为二手车支付更高的头期。
此外,由于每个银行可能有不同的利率和贷款期限,这可能也令人困惑。因此,这是一份关于二手车贷款的指南,包括三个重要因素。
贷款比例
假设你看中一辆价值 RM 40k,五年车龄二手Perodua Myvi,那么你的最大贷款比例是这辆二手价 90%
在这种情况下,银行通常会给你提供 RM 36k(90%)分期付款贷款,因此你还需支付 RM4k(10%)的头期。
大多数金融机构会提供高达90% 最大融资额,适用于大多数受欢迎的车型,车龄不超过9年(以制造日期计算)。在大多数情况下,最低贷款金额为 RM 20k。
然而,贷款比例还可能取决于车辆的类型和年龄,不同银行也有所不同。部分车型,通常是豪华车和性能车,尽管年份较新,但可能无法获得90%贷款比例。
例如,一辆五年车龄 Toyota GT86 可能很难获得 80%贷款,而一辆七年车龄Honda City 则可能毫不费力地获得 90%融资。
贷款期限
贷款期限代表你需要偿还分期付款贷款所需的时间长度。当然贷款期限越长,每月还款金额越低,但相应地在贷款期限内支付的利息也会更多。
以下是一些有关分期付款贷款期限的要点:
- 最短期限:3年(36个月)
- 最长期限:9年(108个月);受以下限制:
- 借款人的退休年龄;贷款期限结束时最多 12 至 15 年车龄(从制造年份算起),具体取决于银行/贷方
因此,如果你计划在二手车贷款9年,那么购买车辆的车龄必须少于 6年(至少)。
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然而,请注意并非所有银行都提供二手车最长9年的分期付款贷款,以最大15年车龄的车辆为限。上述示例是由国家储蓄银行(BSN)提供,但各银行可能会有所不同。
一些传统银行只允许车辆的总使用年限达为12年,而信贷金融公司则可能允许车辆达到16年使用年限,但利率会高得多。
贷款利率
二手车分期付款贷款的利率通常高于新车贷款,同时提供固定或浮动贷款利率。
大多数新车的利率通常在 2.8%至3.8%之间。
二手车的利率通常会比新车 0.5%至1%年利率,因此在大多数情况下,您可能需要支付 4.0%至4.5% 利率。
因此,尽管你以较低的价格购买二手车,但在贷款期限内,你可能要支付同样多或更多的利息,如下所示:
全新车与二手车的利息贷款偿还 | ||
---|---|---|
新车 | 二手车 | |
车价 (RM) | 55,000 | 40,000 |
头期(RM) | 5,500 | 4,000 |
贷款金额 (RM) | 49,500 | 36,000 |
贷款利率 (&) | 3.2 | 4.4 |
贷款期限 7年 | 7 years (84 months) | |
每月还款金额 (RM) | 721.29 | 560.57 |
总支付利息 (RM) | 11,088 | 11,088 |
总还款金额 (RM) | 60,588 | 47,088 |
因此,如果你打算购买二手车,首先要确立一个合适的预算,考虑不仅仅是每月还款金额,还需要考虑车龄,利率和最长贷款期限,然后再评估适合你的合适车辆。
买家不止要考虑到售价,还要考虑其他影响购车过程的因素,并最终决定在整个拥车期间的支出。
为了获得最透明和无忧的二手车购买体验,为什么不选择到 Carsome 买二手车呢?
所有 Carsome 车辆都经过精心检查,并配有为期一年的保家,为期五天退款保证,以及适合各种预算的竞争性贷款方案。
切记要查看 Carsome 优惠,或到 Apple App Store 或 Google Play Store 下载Carsome App。
Source: 打算贷款买二手车?贷款必知三件套!