大家帮我算算这个贷款利率是多少

哇哇哇

半年前买车，借贷了16000。最近想把它早点还清，故此想算算利率是不是划算。
特此说明，本人的理财能力基本为零，对这种东西从来都搞不太清楚。望大家不要见笑。
贷款合同上写的是，

Purchase of Goods: $16,000.00
Origination Fee: $195.00 （不知道是个啥）
Sub Total (A): $16,195.00

Application Fee: $350.00
Credit Search Fees: $2.84 （NND，现在才发现，这个还要钱）
Security Registration Fee: $6.40 （不知道是个啥）
Sub Total (B): $359.24

The AMOUNT OF CREDIT (A) PLUS (B): 16,554.24

TOTAL AMOUNT OF INTEREST CHARGES PAYABLE (D): $3,781.44

TOTAL AMOUNT REPAYABLE: $20,335.68

48 consecutive monthly repayments of $423.66

我这么算算，好像利率应该是利息/本金/年=3781.44/16554.24/4=5.71% p.a.

不知道算得对不对？
老婆凭记忆说应该是11%左右，不可能这么低的。所以我也糊涂了。
如果只是5.71%，现在的银行存款都有至少6.8%多了，那还不如留着这笔贷款慢慢还呢。

欢迎大家指正。

哇哇哇

忘了说了，已经还了5个月的贷款了。

MAX_SUSAN

10.48%  年利率

masakiwangjun

哈哈。记住车贷 很少的人能拿到9 有些人还能拿到11-12 。 你的算高的了，如果5%我就买个保时捷

正常应该是9-10很不错

你问问当时是谁给你办理的个人还贷，有什么特别的方式没。例如最后一年卖车这些个方式。

哇哇哇

请高手解释一下这应该是怎么个算法，才弄出10.48%的。

Artcore

Using Excel, = Rate (48, -423.66,16554.24,,0)x12 = 10.48% p.a.

RATE(nper,pmt,pv,fv,type,guess)

For a complete description of the arguments nper, pmt, pv, fv, and type, see PV.

Nper   is the total number of payment periods in an annuity.

Pmt   is the payment made each period and cannot change over the life of the annuity. Typically, pmt includes principal and interest but no other fees or taxes. If pmt is omitted, you must include the fv argument.

Pv   is the present value — the total amount that a series of future payments is worth now.

Fv   is the future value, or a cash balance you want to attain after the last payment is made. If fv is omitted, it is assumed to be 0 (the future value of a loan, for example, is 0).

Type   is the number 0 or 1 and indicates when payments are due.

dreamknight2

还是版主快啊，:) ！