关于汽车节省贷款

[大米]

总看到汽车dealer的广告说它的利息是多少 然而还是比在银行贷款高 那么可以使用银行的贷款而不用车行的贷款吗 如果是的话 那么谁还会用车行的贷款呢?

 

[忙里偷闲]

不会吧。举个例子？

 

[KuCaiHua]

Most of the car manufacture gave lower rate than car loan in Bank. The 0% for big three, 2-3^ for Toyota, the only exception probably is Honda.
If you apply for car loan in the bank, the interst rate is not low. Unless you can use your LOC.

 

[Jane]

rate of personal car loan with your home bank is prime + 1.5.
and Line of credit is prime + 2.0.
For example, the prime is 4.5% now, your car loan is 6%, and LOC is 6.5%.

 

[KuCaiHua]

You can negotiate the interest of LOC. I knew someone have prime + 1.0. Also, you can apply for secure LOC, it will lower the rate furthur.