请教大家贷款买车需要注意哪些坑

沧海一帆

看到nissan patrol三年3.9%的贷款利率有点心动，准备去dealer那里深入了解一下。去之前先来论坛问问贷款买车有哪些需要注意的地方？

我只知道贷款机构都要每月收手续费，所以三年总共多付的的钱不仅仅是3.9的利息，还有那些每月的管理费。

其他还有什么坑吗？比如贷款买的车保险会更贵吗？如果三年内要卖车，会不会更麻烦一些？


多谢指点

DUCATI

. 3.9% Comparison Rate
应该是所有费用加在一起了

anquandiyi

重点看Comparison Rate，还是就是有没有balloon payment，这个如果不知道的话比较容易有意料之外的情况

沧海一帆

anquandiyi 发表于 2024-7-21 00:30
重点看Comparison Rate，还是就是有没有balloon payment，这个如果不知道的话比较容易有意料之外的情况 ...

请问什么是balloon payment?

xiang490981

沧海一帆 发表于 2024-7-21 11:24
请问什么是balloon payment?

A balloon payment is a one-off lump sum that you agree to pay your lender at the end of your car loan's term.

used this as a guide, generally
50% for 36months term
40% for 48months term
30% for 60months term

Basically, applying a balloon for your car loan will reduce your monthly repayment.

xiang490981

You can ask dealer to give a formal quote to include

--term
--any balloon
--monthly repayment
--monthly in arrears/in advance
--any accounts fee/management fee
--upfront/one-off documentation fee/establishment fee/PPSR fee/any other fee


Generally, the loan should be chattel mortgage, which means you will have the ownership of vehicle at the end of loan based on your paying off the balloon if applied.