又一个朋友提车了，从陪他看车提车整整一个月的时间了，从开始不知道买什么车，到后来对比以后剩下卡罗拉和朗逸作为备选的车型，但是有时候就是这样，往往计划好的最后还是买了别的车。当时遇到车展，一汽丰田卡罗拉对面就是广汽丰田，只是顺带问了下优惠就直接被那雷凌的优惠吸引了，直接就下定金了。
今天的文章里面就不过多的去介绍车了，想聊一聊汽车分期贷款方面的真实体验，雷凌是分期提的，具体明细可以看看图2，是销售顾问给我们算的，贷款7万，36期月供2155元，算下来3年的利息7580元，这应该是比较低的利息了，前期首付款提车上牌保险一起费用大概5万多点。其实如果大家预算还比较足的话，可以做丰田厂家免息金融，只是首付要高一点。
下图就是4s店给分期买车方案
下面这个是购买保险的要求
一些必须买的险种，交强险，车损险，第三者责任险，盗抢险，不计免赔。
一路办下来，给我最大的感受，新车金融比二手车要正规不少，为什么这么说呢，因为新车是4s店对终端用户的销售，都会有比较统一的方案，不存在个人行为，但是二手车就不同了，都是私人老板，所以里面的套路就比较多了，可能一样价格的车在不同老板那里办分期的方案会有比较大的差别，一般都不会告诉你利息多少，只会告诉你首付多少月供多少，其他费用多少，这里就需要自己把握好利息以及其他费用明细了。还有很多朋友不太会算利息，下面就就告诉大家是怎么算的。就那上图的雷凌举例：已知贷款7万，3年，月供2155元，2155*12*3=77580这就是三年一共这么多钱，利息也就是77580-70000=7580，现在我们就算下年利率和月利率，7580/70000/3=0.036，每年的3.6%，换算成月息也就是0.036/12=0.003，也就是月息3厘，简单说就是每一万元每一个利息是30元。
所以当你自己知道怎么计算的时候，就能够区分别人给你的分期方案是否合理。这里还要说明一点，每个分期公司的利息都是不同的，具体多少就需要自己咨询，如果利息太高，就需要特别注意了。
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