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按揭方式可盡早購(gòu)車

發(fā)布時(shí)間：2014-09-26 06:33:33 來(lái)源：杭州日?qǐng)?bào) 作者：佚名責(zé)任編輯：羅伯特

　　問(wèn)：80后家庭，家庭可支配年收入17.5萬(wàn)元左右。有房產(chǎn)兩套，按揭月還款3100元，定期存款2.5萬(wàn)元，活期1.5萬(wàn)元。其他無(wú)任何理財(cái)。問(wèn)如何在最短時(shí)間內(nèi)買(mǎi)10萬(wàn)元左右的車？

　　答：建議客戶去公積金中心辦理公積金按月轉(zhuǎn)付功能，這樣公積金可以每月轉(zhuǎn)付至按揭還款卡，按揭月供不再需要?jiǎng)佑梅蚱迌扇说墓べY?；钇诘?.5萬(wàn)元作為家庭緊急備用金。建議客戶每月結(jié)余2500元，半年后能結(jié)余1.5萬(wàn)元，加上定期存款2.5萬(wàn)元，合計(jì)4萬(wàn)元左右作為購(gòu)車的首付款(含其他購(gòu)車費(fèi)用)，車貸大約在7萬(wàn)元左右，分3年付清，月供大約在2200元左右。

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