Near the end of the year, car sales promotions diverse, some units of cars, many customers purchase a car or to consider. The recent purchase a car has become a hot topic in our unit, there are people who want to use credit card payment form to buy a car, a car consumption loans, both of which more appropriate?

   Credit bank card payment from January 1, 2009 to December 31, 2009 the fee discount rate, float in the original rate based on 50%, such as 12 charges, 3.6% (the original rate of 7.2%), 24 charges, 7.8% (the original rate of 15.6%).

   Automobile consumption loans within a year (including one year) loans benchmark interest rate 5.31%, one to three years loans benchmark interest rate 5.4%, according to the specific situation rise 10% -- 40%, in addition to additional security, cost about 2%.

   Such as buying a car 150000 yuan, of which 100000 yuan of loans, a period of two years.

   By credit card installment of the 24 period: first to pay 7800 yuan fee +4166.67 yuan (100000 yuan /24), after the 23 phase in the installment payment date of signing the automatic deduction of 4166.67 yuan, the actual payment of cost rate (using the internal rate of return IRR calculation) 7.8672%.

   The car consumption loans, to pay the guarantee fee of about 2000 yuan, such as one to three years of the benchmark interest rate broke surface 10% (5.94%) calculation of 100000 yuan loans, the period of two years, to pay 4429.36 yuan per month, the actual payment of cost rate (using the internal rate of return IRR calculation) 7.9348%.

   Calculated by the credit card payment (preferential policy) than the automobile consumption loans (interest rate 5.94%) cost savings of 0.0676%, so the credit card payment is more suitable.

   According to the analysis of the actual situation of the customer and the relevant interest rate, rate, selection of low cost, easy loans.

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