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 國泰車貸有三大類,信用小白也可貸


國泰車貸主要分為三大類:購車貸款、原車融資、原車轉增貸,購車貸款: 指要買車的當下一起辦理貸款,辦理貸款也會比較優惠喔;原車融資:指你已經有買車了,但車本身沒辦理貸款,隔了一段時間才去銀行辦理的就叫「原車融資」;原車轉增貸:指買車當下已貸款,過一段時間還想再貸,前提是必須繳款6期以上才有再增貸的空間。

 

信用小白係指個人無聯徵紀錄,與金融機構並無借貸往來,使聯徵調查沒有資料可比對的信用空白者;而信用瑕疵則是在與金融機構進行借貸時有未按時還款、拖繳欠款甚至是負債的紀錄,若汽車的車貸還沒繳完也有轉增貸的機會,你只需要提供車牌號碼即可知道增貸額度,舊車貸款 (原車融資) 一般是指短期資金需求,視既有的車的殘值來申請貸款,部分銀行有承作。

 

 

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