Re: [問題] 爸爸要我幫他貸款消失
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: 昨天接到爸爸打來的電話,說他的車壞掉了要報廢
: (我爸的車很老了,應該有25年左右的歷史)
: 而他要用我的名字貸款買二手車,約40萬左右
: 我爸以前因為一些原因信用破產
: (詳細情況我不清楚,問家人也都不告訴我)
: 他的存款有多少他也不願意說,只說他拿不出40萬現金
: 我爸現在的工作是做菸酒業務
: 非常需要車子,雖然他公司也有公務車
: 但他下班常常也要去送貨,所以要用到自己的車子
: 他在電話裡說,只能找我幫忙了
: (因為我父母離異,阿公阿嬤也沒有收入)
: 再來說一下我自己的狀況,我去年剛從大學畢業
: 剛出社會滿一年,月薪不到30K,自己本身也有學貸約40萬
: 所以我很困擾……
: 雖然我爸跟我掛保證,用我的名字貸款,他還是會繳錢
: 但綜合以上的原因讓我不知道該不該相信他……
: 我爸平常對我還算不錯,雖然表面吊兒啷噹
: 但私底下還是會關心我,我有急用錢時他也會幫我
: (雖然數目不是很大)
: 如果是各位女孩會怎麼做呢?
: 幫他貸款?或是直接拒絕他?
: 如果拒絕了,我爸要怎麼辦……
: 我真的好困擾喔QQ
嗯,
父女親情,我是會借啦
畢竟慢慢還是還的起,雖然辛苦
建議
要借的話不要辦汽車貸款
自己去銀行辦信用貸款
這樣利率便宜很多
(別相信0利率這種鬼話,
羊毛出在羊身上)
然後
只借20W~30W就好
幫爸爸買車是因為他需要交通工具
不是因為他需要拉風的汽車
我家買過幾輛二手車
(家境~好想要新車呀)
10幾萬,20幾萬,30幾萬都有
爸爸要40W的二手
應該是很好的二手車了
畢竟
全新發財車最便宜的40W也買的到
一般轎車也能在50左右買到全新的
只是設備上會被東扣西少的
像
倒車雷達 定速系統
安全氣囊 音響...
爸爸要的真的不只是生活工具
還有要求不少的品質才會選到40W的舊車
我家
CRV 4輪傳動 頂級二手也才35就買到
(原價100W左右)
參考
家家有本經呀
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