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*
1Dec-17RM1,386
2Jan-18RM1,386
3Feb-18RM1,386
4Mar-18RM1,386
5Apr-18RM1,386
6May-18RM1,386
7Jun-18RM1,386
8Jul-18RM1,386
9Aug-18RM1,386
10Sep-18RM1,386
11Oct-18RM1,386
12Nov-18RM1,386
13Dec-18RM1,386
14Jan-19RM1,386
15Feb-19RM1,386
16Mar-19RM1,386
17Apr-19RM1,386
18May-19RM1,386
19Jun-19RM1,386
20Jul-19RM1,386
21Aug-19RM1,386
22Sep-19RM1,386
23Oct-19RM1,386
24Nov-19RM1,386
25Dec-19RM1,386
26Jan-20RM1,386
27Feb-20RM1,386
28Mar-20RM1,386
暂停Apr-20RM0
暂停May-20RM0
暂停Jun-20RM0
暂停Jul-20RM0
暂停Aug-20RM0
暂停Sep-20RM0
29Oct-20RM1,386
30Nov-20RM1,386
31Dec-20RM1,386
32Jan-21RM1,386
33Feb-21RM1,386
34Mar-21RM1,386
35Apr-21RM1,386
36May-21RM1,386
37Jun-21RM1,386
38Jul-21RM1,386
39Aug-21RM1,386
40Sep-21RM1,386
41Oct-21RM1,386
42Nov-21RM1,386
43Dec-21RM1,386
44Jan-22RM1,386
45Feb-22RM1,386
46Mar-22RM1,386
47Apr-22RM1,386
48May-22RM1,386
49Jun-22RM1,386
50Jul-22RM1,386
51Aug-22RM1,386
52Sep-22RM1,386
53Oct-22RM1,386
54Nov-22RM1,386
55Dec-22RM1,386
56Jan-23RM1,386
57Feb-23RM1,386
58Mar-23RM1,386
59Apr-23RM1,386
60May-23RM1,386
61Jun-23RM1,386
62Jul-23RM1,386
63Aug-23RM1,386
64Sep-23RM1,386
65Oct-23RM1,386
66Nov-23RM1,386
67Dec-23RM1,386
68Jan-24RM1,386
69Feb-24RM1,386
70Mar-24RM1,386
71Apr-24RM1,386
72May-24RM1,386
73Jun-24RM1,386
74Jul-24RM1,386
75Aug-24RM1,386
76Sep-24RM1,386
77Oct-24RM1,386
78Nov-24RM1,386
79Dec-24RM1,386
80Jan-25RM1,386
81Feb-25RM1,386
82Mar-25RM1,386
83Apr-25RM1,386
84May-25RM1,386
85Jun-25RM1,386
86Jul-25RM1,386
87Aug-25RM1,386
88Sep-25RM1,386
89Oct-25RM1,386
90Nov-25RM1,386
91Dec-25RM1,386
92Jan-26RM1,386
93Feb-26RM1,386
94Mar-26RM1,386
95Apr-26RM1,386
96May-26RM1,386
97Jun-26RM1,386
98Jul-26RM1,386
99Aug-26RM1,386
100Sep-26RM1,386
101Oct-26RM1,386
102Nov-26RM1,386
103Dec-26RM1,386
104Jan-27RM1,386
105Feb-27RM1,386
106Mar-27RM1,386
107Apr-27RM1,386
108May-27RM3,892

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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