[討論] 有足夠的錢是否還要貸款買車已回收
最近想到一件事,想請問板上大大們
當然也可以作為以後買車的參考
假設今天有足夠的錢可以買台自己要的車,那你們會想一次付清或是分期付款讓自己手邊可運用的錢多一些?
當然這與錢的數量有關,我想了一個比較極端的例子
假設一台進口入門車140萬,主打100萬60期0利率,而身上存款200萬左右
當然能一次付清,但手邊會只剩60萬的現金可運用
如果100萬分期,或許折價空間少些(假設少5萬,也就是相當給他利息)
不過只需拿出40萬頭期
換句話說,還有160萬的現金在,可以用來分期,或是作為其他應變使用
這問題其實想了有一陣子了,不知道板上大大對這的看法為何?
謝謝
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