请教一个关于down payment的问题。

[维他面包]

打个比方，如果到银行申请分期付款，从dealer那里买2万块钱的车，那车的价钱是 2万+2万X15%的税=2.3万。
这样，你付给银行的down payment和月付款还要再打15%的税吗？ 如果这样，就要付2次税，还有利息。
实在不明白，哪位大哥给解释一下。谢谢。

 

[KuCaiHua]

I don't understand your question. You loaned from a Bank 2.3万, pay there down payment + reminder principle + interest on loans. Where is the tax?

 

[davidkwan]

Depends on you are finance or Lease.

Finance: lets say 60 months.
20,000 ( car price ) +
3,000 ( 15% tax ) -
5,000 ( downpayment )
1,800 ( 20k + 3k - 5k * 10% rate )
-----------
19,800 total over 5 years.
/60 months.
-------------
~330/month.

Lease: lets say 48 months + 40% buy back
20,000 ( car price ) -
8,000 ( buy back )
-------------
12,000 ( car loan value ) -
5,000 ( downpayment )
700 ( 12k - 5k * 10% rate )
--------------
7,700 total over 4 years.
/48 months
--------------
~160/month +
24 ( 15% tax )
-------------
184/month

Clear?