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发表于 2011-12-31 22:31:02
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以我为例,32600做贷款,分48个月还,40%车款安排在最后一个月付清。即,60%车款做48个月的等额本息,每月应还440.77。可使用各大银行等额本息计算器,这里给了NAB的链接
http://www.nab.com.au/wps/wcm/co ... DCA&WT.ac=WIDCA其余40%车款每月应还款额=32600×40%×(1.039×1.039×1.039×1.039-1)/48=44.92合计每月应还款=440.77+44.92=485.69而现在finance经理告诉我,每月应还款总额为503.25,这样实际贷款利率为4.73%我已电邮finance经理讨论这个问题,而他的答复令人自相矛盾New amount on a business loan will be: $503.25 pm.Same just 3.9 on business.This is the only way to get you approved. Otherwise you fail capacity on a personal loan.我再次请他提供算法,要到明年才有答复了。。。 |
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