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TOYOTA 小資方案破解分析(供參考)
Jun 16th 2014, 04:52

TOYOTA 投下業界少有的震撼彈 - 小資方案
簡單試算一下就是一種包含尾款及類似房貸首年寬限期的貸款方案
其實很適合一年後有一筆錢可一筆還清(不過可能要看和泰解約條件有無違約金),這樣約只損失25000利息以及3500開辦費

VIOS小資專案 1.5 經典
車價 569,000
頭款 70,000
期數 60
1~12期月付款 1,500
13~60期月付款 7,850
尾款 200,000
期滿半價購回 284,500

1.年利率=4.92%
2.首年月付低於利息(換句話說首年越繳餘額越多)
3.攤銷表如下
期數 60
利率(年) 4.92%
月利率 0.41%
借款總額 499,000

24,713 <=一年滿期已繳利息
-6,713 <=一年滿期已還本金
18,000 <=一年滿期合計本利和
505,713 <=一年滿期一筆還清金額

期數 月付(期末) 當期利息 當期本金 貸款餘額(期末繳款後)
1 1500 2,047 -547 499,547
2 1500 2,049 -549 500,096
3 1500 2,051 -551 500,647
4 1500 2,054 -554 501,201
5 1500 2,056 -556 501,757
6 1500 2,058 -558 502,315
7 1500 2,060 -560 502,876
8 1500 2,063 -563 503,438
9 1500 2,065 -565 504,004
10 1500 2,067 -567 504,571
11 1500 2,070 -570 505,141
12 1500 2,072 -572 505,713
13 7850 2,074 5,776 499,937
14 7850 2,051 5,799 494,138
15 7850 2,027 5,823 488,315
16 7850 2,003 5,847 482,468
17 7850 1,979 5,871 476,597
18 7850 1,955 5,895 470,702
19 7850 1,931 5,919 464,783
20 7850 1,907 5,943 458,839
21 7850 1,882 5,968 452,871
22 7850 1,858 5,992 446,879
23 7850 1,833 6,017 440,862
24 7850 1,808 6,042 434,821
25 7850 1,784 6,066 428,754
26 7850 1,759 6,091 422,663
27 7850 1,734 6,116 416,547
28 7850 1,709 6,141 410,405
29 7850 1,683 6,167 404,239
30 7850 1,658 6,192 398,047
31 7850 1,633 6,217 391,830
32 7850 1,607 6,243 385,587
33 7850 1,582 6,268 379,319
34 7850 1,556 6,294 373,025
35 7850 1,530 6,320 366,705
36 7850 1,504 6,346 360,359
37 7850 1,478 6,372 353,987
38 7850 1,452 6,398 347,589
39 7850 1,426 6,424 341,165
40 7850 1,399 6,451 334,715
41 7850 1,373 6,477 328,238
42 7850 1,346 6,504 321,734
43 7850 1,320 6,530 315,204
44 7850 1,293 6,557 308,647
45 7850 1,266 6,584 302,063
46 7850 1,239 6,611 295,452
47 7850 1,212 6,638 288,814
48 7850 1,185 6,665 282,148
49 7850 1,157 6,693 275,456
50 7850 1,130 6,720 268,736
51 7850 1,102 6,748 261,988
52 7850 1,075 6,775 255,213
53 7850 1,047 6,803 248,410
54 7850 1,019 6,831 241,579
55 7850 991 6,859 234,720
56 7850 963 6,887 227,832
57 7850 935 6,915 220,917
58 7850 906 6,944 213,973
59 7850 878 6,972 207,001
60 7850 849 7,001 200,000

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