Public Bank
【车贷资讯】车贷Hire Purchase自动暂缓还贷需支付额外利息!
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大概研究了几个小时,这里终于研究到了!简单来说,如果要选择自动暂缓,需要支付额外的利息!利息部分会在底下说明,每个人的利息%会不同,供大家参考。
首先,小编的车贷是和Public Bank的,一共是9年(108个月),从2017年12月开始付第一期。每期都有付,一直到今年2020年3月最后一期,然后就自动暂缓了(4月份~9月份)。
- 每月车贷:RM1,386
- 6个月暂缓金额:RM8,316 (就是RM1,386 X 6个月)
- 需支付利息:RM2,505.88
- 最后一期需支付金额:RM1,386 (最后一期) + 利息RM2,505.88 = RM3,873.48
首先,先看看RM2,505.88是如何计算的。
以小编的案例来说,已经还了28期(原本有108期),所以,还剩下80期(大概就算6.67年)
计算方法Formula:
暂缓金额(车期X6个月) X 年利率% X 剩下供期(年) = 需支付利息
由于我们暂缓了6个月,这6个月的暂缓金额(refer item 2)需要支付应有的利息。就是RM8,316 X 4.67% X 6.67年 = RM2,590.34
(注意:这个金额和PBB那边计算会有出入,原因是因为银行是以天计算,不是以年计算,所以会有一些误差,最后是以银行的金额为标准)
最后,这笔金额需要在最后一期(第108期)支付,也就是item 4的RM3,873.48了(这包括了最后一期的车贷 + 暂缓6个月的利息)
车期 | 月份 | 还贷金额* |
1 | Dec-17 | RM1,386 |
2 | Jan-18 | RM1,386 |
3 | Feb-18 | RM1,386 |
4 | Mar-18 | RM1,386 |
5 | Apr-18 | RM1,386 |
6 | May-18 | RM1,386 |
7 | Jun-18 | RM1,386 |
8 | Jul-18 | RM1,386 |
9 | Aug-18 | RM1,386 |
10 | Sep-18 | RM1,386 |
11 | Oct-18 | RM1,386 |
12 | Nov-18 | RM1,386 |
13 | Dec-18 | RM1,386 |
14 | Jan-19 | RM1,386 |
15 | Feb-19 | RM1,386 |
16 | Mar-19 | RM1,386 |
17 | Apr-19 | RM1,386 |
18 | May-19 | RM1,386 |
19 | Jun-19 | RM1,386 |
20 | Jul-19 | RM1,386 |
21 | Aug-19 | RM1,386 |
22 | Sep-19 | RM1,386 |
23 | Oct-19 | RM1,386 |
24 | Nov-19 | RM1,386 |
25 | Dec-19 | RM1,386 |
26 | Jan-20 | RM1,386 |
27 | Feb-20 | RM1,386 |
28 | Mar-20 | RM1,386 |
暂停 | Apr-20 | RM0 |
暂停 | May-20 | RM0 |
暂停 | Jun-20 | RM0 |
暂停 | Jul-20 | RM0 |
暂停 | Aug-20 | RM0 |
暂停 | Sep-20 | RM0 |
29 | Oct-20 | RM1,386 |
30 | Nov-20 | RM1,386 |
31 | Dec-20 | RM1,386 |
32 | Jan-21 | RM1,386 |
33 | Feb-21 | RM1,386 |
34 | Mar-21 | RM1,386 |
35 | Apr-21 | RM1,386 |
36 | May-21 | RM1,386 |
37 | Jun-21 | RM1,386 |
38 | Jul-21 | RM1,386 |
39 | Aug-21 | RM1,386 |
40 | Sep-21 | RM1,386 |
41 | Oct-21 | RM1,386 |
42 | Nov-21 | RM1,386 |
43 | Dec-21 | RM1,386 |
44 | Jan-22 | RM1,386 |
45 | Feb-22 | RM1,386 |
46 | Mar-22 | RM1,386 |
47 | Apr-22 | RM1,386 |
48 | May-22 | RM1,386 |
49 | Jun-22 | RM1,386 |
50 | Jul-22 | RM1,386 |
51 | Aug-22 | RM1,386 |
52 | Sep-22 | RM1,386 |
53 | Oct-22 | RM1,386 |
54 | Nov-22 | RM1,386 |
55 | Dec-22 | RM1,386 |
56 | Jan-23 | RM1,386 |
57 | Feb-23 | RM1,386 |
58 | Mar-23 | RM1,386 |
59 | Apr-23 | RM1,386 |
60 | May-23 | RM1,386 |
61 | Jun-23 | RM1,386 |
62 | Jul-23 | RM1,386 |
63 | Aug-23 | RM1,386 |
64 | Sep-23 | RM1,386 |
65 | Oct-23 | RM1,386 |
66 | Nov-23 | RM1,386 |
67 | Dec-23 | RM1,386 |
68 | Jan-24 | RM1,386 |
69 | Feb-24 | RM1,386 |
70 | Mar-24 | RM1,386 |
71 | Apr-24 | RM1,386 |
72 | May-24 | RM1,386 |
73 | Jun-24 | RM1,386 |
74 | Jul-24 | RM1,386 |
75 | Aug-24 | RM1,386 |
76 | Sep-24 | RM1,386 |
77 | Oct-24 | RM1,386 |
78 | Nov-24 | RM1,386 |
79 | Dec-24 | RM1,386 |
80 | Jan-25 | RM1,386 |
81 | Feb-25 | RM1,386 |
82 | Mar-25 | RM1,386 |
83 | Apr-25 | RM1,386 |
84 | May-25 | RM1,386 |
85 | Jun-25 | RM1,386 |
86 | Jul-25 | RM1,386 |
87 | Aug-25 | RM1,386 |
88 | Sep-25 | RM1,386 |
89 | Oct-25 | RM1,386 |
90 | Nov-25 | RM1,386 |
91 | Dec-25 | RM1,386 |
92 | Jan-26 | RM1,386 |
93 | Feb-26 | RM1,386 |
94 | Mar-26 | RM1,386 |
95 | Apr-26 | RM1,386 |
96 | May-26 | RM1,386 |
97 | Jun-26 | RM1,386 |
98 | Jul-26 | RM1,386 |
99 | Aug-26 | RM1,386 |
100 | Sep-26 | RM1,386 |
101 | Oct-26 | RM1,386 |
102 | Nov-26 | RM1,386 |
103 | Dec-26 | RM1,386 |
104 | Jan-27 | RM1,386 |
105 | Feb-27 | RM1,386 |
106 | Mar-27 | RM1,386 |
107 | Apr-27 | RM1,386 |
108 | May-27 | RM3,892 |
最后,原本供9年的车,应该会在2026年11月供完。如果选择了6个月暂缓,就需供到2027年5月(比原本的时间长6个月)
希望这样的说明可以让大家更了解暂缓的详情,以便大家做决定要不要接受暂缓。
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