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个人消费贷款 - 德国理财网

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autokredit

个人消费贷款

在德国购买汽车、电器等大件商品,没有必要一次性付清货款,也可以选择个人消费贷款的支付方式。

个人消费贷款的费用

决定个人消费贷款费用最重要的一点就是贷款利率的高低。现在正是一个低息时期,所以贷款申请人有可能拿到一个很低的贷款利率。

决定个人消费贷款利率高低的最重要的一点就是您的收入状况。收入越高,贷款申请成功的机率就会越大,利率也越低。还款时间的长短也是影响利率的重要因素,还款时间越短,通常利率越低。但是还款期数也不要太少,这样可能会导致每期还款数目过高,超过您的还款能力。

在签订分期付款之前,您应当先对贷款条件做全面的比较分析,否则就可能会需要多支付其它费用,比如未贷金额的利息或者账户管理费等

当您面对各种各样的贷款选择时,不要只关注名义利率或者借方利率。重要的是实际年利率,这才是包括了利息和各项其它费用的总额。

购车贷款

在个人消费贷款里,消费者最常用到的是购车贷款。因为购车需要一笔不菲的款项,所以大部分购车人会选择以购车贷款形式支付。有的直接接受车行提供的贷款服务,有的选择其它银行的个人消费贷款。

在比较购车贷款时,您一定要注意比较实际年利率。实际年利率的大小决定您最终的购车贷款的还款额。如果这笔贷款还有很多其它费用需要清偿,那么即使贷款利率最低也是没有意义的,比如收取未贷金额利息和账户管理费都会增加还款额度。因此仅仅根据借款利率的高低来决定购车贷款的选择是不正确的。

在决定购车贷款时,您还需要考虑好您到底需要多少贷款金额。除了汽车的基本售价之外,假如您想额外添加一些特殊配置,或者直接把冬季轮胎一同订好,那么您的车贷金额就会增加。

如果您从银行取得购车贷款,然后在车行以现金付款购车的话,那么通常您可以从车行拿到特别优惠,折扣可能高达10%15%。另外, 如果您想为汽车配置升级的话,车行也会提供很好的折扣。所以从银行申请购车贷款能够既让您享受优惠的利息,又能让您得到丰厚的折扣,堪称两全其美。

如果您担心意外发生,您不能够及时偿还购车贷款的话,那么您可以选择购买剩余债务保险。当您遇到失业等情况,无力继续支付贷款时,剩余债务可由保险公司代付,以保障您和您的家人不会因为必须还贷而影响生活。

现在正值低息时期,购车贷款的利率也同样很低。正是利用这一优势贷款的好时机。

通过下面的链接可以免费比较个人消费贷款:

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