{"id":2563,"date":"2022-07-19T14:47:19","date_gmt":"2022-07-19T06:47:19","guid":{"rendered":"https:\/\/xinglinshangwu.com\/?post_type=faq&#038;p=2563"},"modified":"2024-09-30T10:13:23","modified_gmt":"2024-09-30T02:13:23","slug":"car-loan-traps","status":"publish","type":"faq","link":"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/","title":{"rendered":"\u6ce8\u610f4\u500b\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\uff01\u7834\u89e3\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u8207\u514d\u7559\u8eca\u8ff7\u601d"},"content":{"rendered":"\n<p>\u4e0d\u8ad6\u662f\u627e\u7576\u92ea\u3001\u878d\u8cc7\u516c\u53f8\u6216\u662f\u5176\u4ed6<a href='https:\/\/xinglinshangwu.com\/faq\/private-small-loan-ptt\/'>\u79c1\u4eba\u5c0f\u984d\u501f\u6b3e<\/a>\u7533\u8fa6\u6c7d\u8eca\u501f\u6b3e\uff0c\u90fd\u9700\u8981\u7559\u610f\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\uff0c\u96d6\u7136\u8aaa\u6c11\u9593\u501f\u9322\u7ba1\u9053\u7533\u8acb\u689d\u4ef6\u5bec\u9b06\uff0c\u4f46\u501f\u8cb8\u54c1\u8cea\u5bb9\u6613\u53c3\u5dee\u4e0d\u9f4a\uff0c\u82e5\u7a0d\u6709\u4e0d\u751a\u5c31\u5bb9\u6613\u9047\u4e0a\u6c7d\u8eca\u8cb8\u6b3e\u9677\u9631\uff0c\u672c\u7bc7\u4f86\u8aaa\u660e\u5e38\u898b\u7684\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u53ca\u907f\u958b\u65b9\u6cd5\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 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title=\"\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u4e00\u3001\u8981\u6c42\u4e8b\u5148\u904e\u6236\">\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u4e00\u3001\u8981\u6c42\u4e8b\u5148\u904e\u6236<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E9%99%B7%E9%98%B1%E4%BA%8C%E3%80%81%E5%88%A9%E6%81%AF%E8%B6%85%E9%AB%98\" title=\"\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u4e8c\u3001\u5229\u606f\u8d85\u9ad8\">\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u4e8c\u3001\u5229\u606f\u8d85\u9ad8<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E9%99%B7%E9%98%B1%E4%B8%89%E3%80%81%E8%B6%85%E6%94%B6%E5%80%89%E6%A3%A7%E8%B2%BB\" title=\"\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u4e09\u3001\u8d85\u6536\u5009\u68e7\u8cbb\">\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u4e09\u3001\u8d85\u6536\u5009\u68e7\u8cbb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E9%99%B7%E9%98%B1%E5%9B%9B%E3%80%81%E5%85%8D%E7%95%99%E8%BB%8A%E8%A6%81%E6%B1%82%E6%8A%B5%E6%8A%BC%E8%BA%AB%E5%88%86%E8%AD%89%E4%BB%B6\" title=\"\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u56db\u3001\u514d\u7559\u8eca\u8981\u6c42\u62b5\u62bc\u8eab\u5206\u8b49\u4ef6\">\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u56db\u3001\u514d\u7559\u8eca\u8981\u6c42\u62b5\u62bc\u8eab\u5206\u8b49\u4ef6<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E5%A6%82%E4%BD%95%E9%81%BF%E5%85%8D%E9%81%87%E5%88%B0%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E9%99%B7%E9%98%B1%EF%BC%9F\" title=\"\u5982\u4f55\u907f\u514d\u9047\u5230\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\uff1f\">\u5982\u4f55\u907f\u514d\u9047\u5230\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\uff1f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E9%81%B8%E6%93%87%E5%90%88%E6%B3%95%E7%95%B6%E8%88%96%E6%88%96%E9%87%91%E8%9E%8D%E6%A9%9F%E6%A7%8B\" title=\"\u9078\u64c7\u5408\u6cd5\u7576\u8216\u6216\u91d1\u878d\u6a5f\u69cb\">\u9078\u64c7\u5408\u6cd5\u7576\u8216\u6216\u91d1\u878d\u6a5f\u69cb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E6%B3%A8%E6%84%8F%E7%95%B6%E8%88%96%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E5%88%A9%E6%81%AF%E5%92%8C%E8%B2%BB%E7%94%A8\" title=\"\u6ce8\u610f\u7576\u8216\u6c7d\u8eca\u501f\u6b3e\u5229\u606f\u548c\u8cbb\u7528\">\u6ce8\u610f\u7576\u8216\u6c7d\u8eca\u501f\u6b3e\u5229\u606f\u548c\u8cbb\u7528<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E4%B8%8D%E8%A6%81%E9%81%8E%E5%BA%A6%E5%80%9F%E8%B2%B8\" title=\"\u4e0d\u8981\u904e\u5ea6\u501f\u8cb8\">\u4e0d\u8981\u904e\u5ea6\u501f\u8cb8<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E5%85%8D%E7%95%99%E8%BB%8A%E6%98%AF%E8%A9%90%E9%A8%99%E9%99%B7%E9%98%B1%E5%97%8E%EF%BC%9F\" title=\"\u6c7d\u8eca\u501f\u6b3e\u514d\u7559\u8eca\u662f\u8a50\u9a19\u9677\u9631\u55ce\uff1f\">\u6c7d\u8eca\u501f\u6b3e\u514d\u7559\u8eca\u662f\u8a50\u9a19\u9677\u9631\u55ce\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E5%90%88%E7%90%86%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E6%A2%9D%E4%BB%B6%E7%82%BA%E4%BD%95%EF%BC%9F%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E9%9C%80%E8%A6%81%E8%AD%89%E4%BB%B6%E6%98%AF%E7%82%BA%E4%BB%80%E9%BA%BC%EF%BC%9F\" title=\"\u5408\u7406\u6c7d\u8eca\u501f\u6b3e\u689d\u4ef6\u70ba\u4f55\uff1f\u6c7d\u8eca\u501f\u6b3e\u9700\u8981\u8b49\u4ef6\u662f\u70ba\u4ec0\u9ebc\uff1f\">\u5408\u7406\u6c7d\u8eca\u501f\u6b3e\u689d\u4ef6\u70ba\u4f55\uff1f\u6c7d\u8eca\u501f\u6b3e\u9700\u8981\u8b49\u4ef6\u662f\u70ba\u4ec0\u9ebc\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E5%90%88%E6%B3%95%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E6%B5%81%E7%A8%8B%E5%A6%82%E4%BD%95%E7%94%B3%E8%AB%8B%EF%BC%9F\" title=\"\u5408\u6cd5\u6c7d\u8eca\u501f\u6b3e\u6d41\u7a0b\u5982\u4f55\u7533\u8acb\uff1f\">\u5408\u6cd5\u6c7d\u8eca\u501f\u6b3e\u6d41\u7a0b\u5982\u4f55\u7533\u8acb\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/xinglinshangwu.com\/faq\/car-loan-traps\/#%E4%B8%8D%E6%80%95%E9%81%87%E5%88%B0%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E9%99%B7%E9%98%B1%EF%BC%8C%E5%8F%B0%E4%B8%AD%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E7%94%B3%E8%BE%A6%E5%AE%89%E5%85%A8\" title=\"\u4e0d\u6015\u9047\u5230\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\uff0c\u53f0\u4e2d\u6c7d\u8eca\u501f\u6b3e\u7533\u8fa6\u5b89\u5168\">\u4e0d\u6015\u9047\u5230\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\uff0c\u53f0\u4e2d\u6c7d\u8eca\u501f\u6b3e\u7533\u8fa6\u5b89\u5168<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B8%B8%E8%A6%8B%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E9%99%B7%E9%98%B1%E6%9C%89%E5%93%AA%E4%BA%9B%EF%BC%9F\"><\/span>\u5e38\u898b\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u6709\u54ea\u4e9b\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5e38\u898b\u7684\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u6709\u6c7d\u8eca\u501f\u6b3e\u5ee3\u544a\u6a19\u699c\u9ad8\u984d\u5ea6\u3001\u4f4e\u5229\u7387\u537b\u53c8\u6c92\u8aaa\u5be6\u969b\u53ef\u501f\u591a\u5c11\u3001\u6c7d\u8eca\u501f\u6b3e\u8981\u6c42\u4e8b\u5148\u904e\u6236\u3001<a href='https:\/\/xinglinshangwu.com\/faq\/warehouse-fee\/'>\u5009\u68e7\u8cbb<\/a>\u6536\u8d85\u984d\u53ca\u8981\u6c42\u62b5\u62bc\u8eab\u5206\u8b49\u4ef6\u7b49\uff0c\u4ee5\u4e0b\u6574\u7406\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\uff0c\u8b93\u4f603\u5206\u9418\u5feb\u901f\u8a8d\u8b58\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E9%99%B7%E9%98%B1%E4%B8%80%E3%80%81%E8%A6%81%E6%B1%82%E4%BA%8B%E5%85%88%E9%81%8E%E6%88%B6\"><\/span>\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u4e00\u3001\u8981\u6c42\u4e8b\u5148\u904e\u6236<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7533\u8fa6\u6c7d\u8eca\u501f\u6b3e\u8981\u6c42\u4e8b\u5148\u904e\u6236\u8eca\u8f1b\u662f\u6700\u5e38\u898b\u7684\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\uff0c<strong>\u63d0\u9192\u7533\u8fa6\u6c7d<a href='https:\/\/xinglinshangwu.com\/faq\/car-borrow-money\/'>\u8eca\u501f\u9322<\/a>\u82e5\u6709\u88ab\u8981\u6c42\u904e\u6236\u624d\u80fd\u64a5\u6b3e\uff0c\u8acb\u679c\u65b7\u62d2\u7d55\uff0c\u9019\u662f\u696d\u8005\u7684\u8a71\u8853\uff0c\u4e5f\u52ff\u76f8\u4fe1<\/strong>\uff0c\u56e0\u70ba\u904e\u6236\u8eca\u8f1b\u5c0d\u8eca\u4e3b\uff08\u501f\u6b3e\u4eba\uff09\u7121\u7591\u662f\u975e\u5e38\u4e0d\u5408\u7406\u7684\u884c\u70ba\uff0c\u6b63\u78ba\u7684\u505a\u6cd5\u662f\u5230\u76e3\u7406\u7ad9\u5c0d\u62b5\u62bc\u8eca\u9032\u884c\u52d5\u4fdd\u8a2d\u5b9a\uff0c\u8a2d\u5b9a\u671f\u9593\u8eca\u4e3b\u662f\u7121\u6cd5\u5728\u5411\u5176\u4ed6\u91d1\u878d\u696d\u8005\u4ee5\u8eca\u501f\u9322\uff0c\u78ba\u4fdd\u696d\u8005\u6709\u512a\u5148\u511f\u9084\u9806\u4f4d\uff0c\u5982\u679c\u662f\u9084\u6709\u8cb8\u6b3e\u7684\u6c7d\u8eca\uff0c\u56e0\u70ba\u52d5\u4fdd\u8a2d\u5b9a\u53ea\u80fd\u8a2d\u5b9a\u4e00\u6b21\uff0c\u6240\u4ee5\u7576\u8216\u5c31\u4e0d\u6703\u518d\u53bb\u76e3\u7406\u7ad9\u8a2d\u5b9a\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%B1%BD%E8%BB%8A%E5%80%9F%E6%AC%BE%E9%99%B7%E9%98%B1%E4%BA%8C%E3%80%81%E5%88%A9%E6%81%AF%E8%B6%85%E9%AB%98\"><\/span>\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u4e8c\u3001\u5229\u606f\u8d85\u9ad8<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href='https:\/\/xinglinshangwu.com\/faq\/car-loan-rate\/'>\u6c7d\u8eca\u501f\u6b3e\u5229\u606f<\/a>\u591a\u5c11\u662f\u6bcf\u4e00\u4f4d\u7533\u8acb\u6c7d\u8eca\u8cb8\u6b3e\u7684\u6c11\u773e\u6700\u5728\u610f\u7684\uff0c\u800c\u8cb8\u6b3e\u6a5f\u69cb\u5728\u8a55\u4f30<strong>\u6c7d\u8eca\u501f\u6b3e\u5229\u606f\u6703\u6839\u64da\u7533\u8acb\u4eba\u689d\u4ef6\u3001\u85aa\u8cc7\u6240\u5f97\u8207\u8eca\u6cc1\u4f86\u505a\u8abf\u6574\uff0c\u6240\u4ee5\u4e0d\u540c\u6c7d\u8eca\u878d\u8cc7\u7533\u8acb\u4eba\u6838\u8cb8\u7684\u5229\u7387\u6703\u4e0d\u540c\uff0c\u6c11\u773e\u53ea\u8981\u8a18\u4f4f\u6cd5\u5b9a\u5229\u7387\u4e0a\u9650\u662f\u591a\u5c11\uff0c\u4e26\u78ba\u8a8d\u81ea\u5df1\u7533\u8acb\u7684\u6c7d\u8eca\u501f\u6b3e\u5229\u606f\u662f\u5426\u5728\u4e0a\u9650\u4e4b\u5167<\/strong>\uff0c\u5c31\u80fd\u77e5\u9053\u81ea\u5df1\u6709\u6c92\u6709\u843d\u5165\u6c7d\u8eca\u501f\u6b3e\u9677\u9631\u4e4b\u4e2d\u56c9\u3002<\/p>\n\n\n\n<ul>\n<li>\u7576\u92ea\u6c7d\u8eca\u501f\u6b3e\u5e74\u5229\u7387\u70ba30%\uff0c\u6708\u606f\u70ba2.5%<\/li>\n\n\n\n<li>\u878d\u8cc7\u516c\u53f8\u6c7d\u8eca\u8cb8\u6b3e\u5e74\u5229\u7387\u70ba16%\uff0c\u6708\u606f\u70ba1.33%\u5de6\u53f3<\/li>\n\n\n\n<li>\u79c1\u4eba\u5c0f\u984d\u501f\u6b3e\u591a\u6578\u662f\u4f7f\u7528\u7576\u8216\u5e74\u5229\u7387<\/li>\n<\/ul>\n\n\n\n<h3 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