車貸還款明細表
逐月顯示您的車貸還款進度，包含本金與利息的分配佔比。
| 還款進度 | 累計已償還本金 | 累計已支付利息 | 剩餘貸款餘額 |
|---|---|---|---|
| 1 第 12 年 | $5,735 | $1,622 | $26,365 |
| 2 第 24 年 | $11,794 | $2,921 | $20,306 |
| 3 第 36 年 | $18,195 | $3,878 | $13,905 |
| 4 第 48 年 | $24,957 | $4,474 | $7,143 |
| 5 第 60 年 | $32,100 | $4,689 | $0 |
買車預算怎麼抓？
不要只看車商廣告的「月付多少」。魔鬼藏在細節裡： * 總利息: 拉長到 84 期 (7年) 雖然月付低，但利息可能多繳好幾萬。 * 折舊: 新車落地打八折。如果貸款金額太高，前兩年你賣車還要貼錢 (負資產)。20/4/10 購車黃金法則
理財專家建議： 1. 頭期款 20%: 避免一買車就變負資產。 2. 貸款 4 年 (48期): 不要超過 60 期，除非利率極低。 3. 支出 < 10%: 車貸+油錢+保險，不應超過月收入的 10%。車貸陷阱：零利率 vs 現金折價
* 零利率: 通常代表車價折扣較少。 * 現金折價: 貸款利率較高，但總價較低。 * 建議: 將兩者總支出 (車價 + 總利息) 算出來比較，通常現金折價再去找銀行信貸會比較划算。常見問題 (FAQ)
Q: What is a good auto loan interest rate in 2026?
A: Rates vary significantly by credit score. Buyers with excellent credit (750+) typically qualify for 4–6.5% on new vehicles and 5.5–8% on used. Good credit (700–749) gets approximately 5.5–10%. Manufacturer-sponsored rates (0–3%) are available to prime borrowers on select models. Pre-qualify with your bank or credit union for a rate baseline before visiting a dealership—this prevents dealers from inflating the rate as a profit center.
Q: How long should my car loan be?
A: Financial experts recommend no longer than 48–60 months for new cars and 36–48 months for used cars. Longer terms (72–84 months) dramatically increase total interest paid and risk creating negative equity—owing more than the car is worth. New cars lose 15–25% of value in year one; an 84-month loan means you're still paying for depreciated value years later. The 20/4/10 rule suggests 48 months maximum.
Q: Should I take the dealer's 0% APR or the cash rebate?
A: When financing the full purchase amount, 0% APR is almost always mathematically better—you pay no interest, which is better than any rebate. The cash rebate only wins if you're paying mostly cash and can invest the rebate amount at a return higher than the loan rate. Compare total costs both ways: (rebate amount − interest you'd pay) vs (0% savings). Many online calculators can compare these scenarios side by side.
Q: What does "being underwater" on a car loan mean?
A: You're "underwater" (or "upside-down") when your loan balance exceeds the car's current market value. This happens when you financed too much (low/no down payment), chose a long loan term, or the car depreciated faster than expected. Being underwater is financially risky: if the car is totaled, insurance pays market value—leaving you still owing money to the lender. GAP insurance covers this difference and is often worth purchasing when financing more than 80–90% of the vehicle's value.
情境範例
幫我決定了要選 48 期還是 60 期車貸，總利息計算真的讓我大開眼界！
舊車折抵功能非常好用，對我規劃新補貼的預算非常有幫助。
簡單有效。我在車行現場用這個來核對他們的財務報價。
Official Sources & Authority References
重要免責聲明
本計算機提供之結果僅供參考，不構成稅務、法律或財務建議。稅法每年調整，請於申報前到 IRS.gov 核實數據，或談詢具資格的稅務專業人員。
