新鮮人買車 - 重機
By Kama
at 2015-09-17T16:20
at 2015-09-17T16:20
Table of Contents
我也來賺一下P幣好了.
22K看是哪一種22K,22K分很多種.
我們先看22K最頂的
『實拿』22K 暫時還不需要負擔家裡, 只需要付擔自己這型
若你是信用小白,最少要等到工作3個月後才有可能跟銀行請貸款
在此之前,絕對不要找車店幫你辦 利息高的嚇人
(我的公司530 信仲吃6.25%, 我女朋友的C8 2.0 給星展才收5.5%)
雖然一個月繳起來才差一百多塊, 差兩天領薪水你就會知道那一百多塊是綠洲啊
我530的利息都夠我改TERMIGNONI 的管子和收倒叉的材料(貸款的下場)
自己去外面找銀行談都有可能壓在4%左右, 貸現金去找車比較實際
預計買600cc的車, 那我會建議找中古的壓力也不會太大.
或是找更久一點的還可以直上公升級, 年輕完全不留白 xD
預計的購車費用=35
帶現金去找車可能有機會跟車主殺價, 留點錢在身上做備品的更換
(油、水, 消耗品等等)
預計你貸350000/48+ 4.5%的利息=7982,讓你22K-8000=14000
剩下來的14000, 你必需要採用月存法, 一個月要存下510 用來付稅金的
你的仿賽是要通勤還是要兜風? 不論是兜風還是代步
先估輪胎一組是9000 一個月要存下750 準備買輪胎
機油 是你一定要支出的項目, 列入月存法 一個月也是要存600
我的530吃公司油要1200, 約2個月左右要換, 我是3000換油, 6000兼換濾心
(吃公司油是必免要出保時YAMAHA雞雞叫 凸!!)
1200 *3 + 1650 * 3
(含濾心)
總計14000-750-510-712=12028
你必需在12028內, 存活48個月
這期間你完全沒辦法動改裝的慾望, 有也只能撿二手的
你~準備好要克難過生活了嗎?
同儕的可能一個月領24~26, 騎著125還可以買買iPhone、唱唱歌、看電影、交女朋友
你卻要背著大車做孤獨車手, 哈哈哈
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Tags:
重機
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