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2024年3月11日 · 私人貸款即是自行向銀行或財務公司申請可分期攤還的借貸方式，買家可按個人需要決定借貸金額，以及比較多家銀行不同的利率，提供更大彈性。 最重要是貸款利率較上會低，而且毋須交出「牌簿」作為抵押，將來賣車毋須先付清貸款才可取回牌簿。 部分銀行有提供專為購買車輛而設的貸款，除了車價，連帶保險、配件、登記費及牌費也可一併申請貸款，降低出車成本。 汽車貸款｜申請私人貸款流程. 填妥銀行申請表格後，向銀行遞交入息證明、身份證明文件、住址證明及車輛文件（牌簿影印本），一般五至十個工作天會收到銀行回覆。 汽車貸款｜上會與私人貸款比較. 汽車貸款｜上會定車貸注意事項/限制. 信用卡簽賬額. 除可向銀行提出申請私人貸款，也可嘗試各大信用卡公司，將信用卡簽賬額轉為分期貸款。
- 香港九龍觀塘鴻圖道1號37樓15-20室
- 3113 2112
- Buying A Car Can Be Expensive - Be Smart
- Hire Purchase
- Pros and Cons of HP
- Leasing
- Pros and Cons of Leasing
- Motor Insurance Regardless of Financial Option
If you are like most people, paying cash to buy a new car just isn’t in the realm of possibility. And even if it's in the realm, you may not want to access and deplete your savings account to buy a new car, especially considering the high cost of buying a car in Hong Kong. According to a South China Morning Post article back in 2013, the best selli...
This is a simple and straightforward type of car finance. You usually pay a deposit which is a fraction of the cost of the car, then you make fixed monthly payments over an agreed period before you get behind the wheel.
Pros of hire purchase
1. Flexible repayment terms (from one to five years) to help match your monthly budget – but the longer the term the more you’ll pay in interest. 2. Relatively low deposit required for HP (normally 10% of the car’s price). 3. Fixed interest rates so you know exactly what you’re paying every month for the length of the term.
Cons of hire purchase
1. You don’t own the car until you’ve made your final payment, which means if you get into financial difficulties the finance company could take it away. 2. You can’t sell or modify the car over the contract term without getting permission first. Only once you have completed the payment terms will the car be rightfully yours, to do as you wish. 3. It can be an expensive route if you only want a short-term agreement.
Important advice for buyers
1. When it comes to renewing the license fees, it is recommended that buyers should send a cheque and proof of valid car insuranceto your HP dealer or broker before the license expires. Normally at least two weeks ahead of the day of expiration will be enough. 1. In the worse case of total loss or theft of the car, the compensation amount will first pay to the dealer or broker of the HP agreement and then to the buyer. 1. For an insured car that was purchased under an HP agreement, the origin...
With a lease, you do not own the car and are not paying it off. What you are simply doing is paying a monthly fee to a leasing company for the privilege of driving the car. You are effectively rentingthe car until you return it back to the dealer. If buyers want to go down this route, we have provided some pros and cons to consider below:
Pros of leasing a car
1. The payment agreement may feature lower monthly payments with little to no down payment required. 1. If you are covered by a manufacturer's warranty during the lease term, you can rest assured about receiving a hefty, unexpected repair bill. On the other hand, as the leaseholder, you are accountable for the maintenance and coverage of at least third party insurance which is required by Hong Kong legislation. 1. When the option to lease is available, as the buyer you are more likely to leas...
Cons of leasing a car
1. In the end, leasing usually costs you more than an equivalent loan, if only because you are always driving a rapidly depreciating asset. 1. If you don't maintain the vehicle, you'll have to pay excess wear-and-tear charges when you return the car. 1. Your agreement for leasing a car may be fixed for a period of time. So if you need to get out of a least before it expires, you may be hit with a heavy termination fee and/or penalty. Therefore it is imperative to fully read the terms and cond...
If you did not know already, it is compulsory that you have insurance when buying or renting a car in Hong Kong. Drivers can choose to have either third party car insurance, where the insurance company will only cover the other car in an accident but not yours; or they can get the comprehensive car insurancewhich also covers your car and the other ...
- Unit 15-20, 37/F, One Hung To Road, Kwun Tong, Kowloon, Hong Kong
- 3113 1331
2021年3月2日 · Subject to the vehicle brand and model, the garage fee is generally HK$1,500 to HK$2,000; new vehicles usually have purchased the official warranty, and the average fee is HK$3,000 to HK$6,000 per time. The government also implements compulsory annual vehicle examination for private cars aged six years or above.
2019年7月26日 · 分期付款的好處. 靈活的月供金額（一年至五年），但供款時間越長，你付的利息越高。 需要繳付的訂金較低（通常是汽車價格的一成） 息率固定，所以你可以肯定每個月需要繳交的金額。 分期付款的壞處. 完供之前，你都不算正式擁有該車輛，意味著如果你陷入財困，融資的公司有權取回你的汽車。 合約期內，除非獲得批准，否則不能出售或改裝車輛，直到供款完畢你才可以隨心所欲。 如果你只想要短期協議，分期付款可能昂貴。 買家重要提示. 繳付續牌費的時候，建議買家在限期前，把支票和有效汽車保險的證明交予你的車商或中介。 通常限期前兩星期就已足夠。 若汽車被毀或偷走，賠償額會先繳予分期付款協議的車商或中介，然後才給予買家。
2023年3月23日 · Step 7: Closing. Make sure the car dealer brings all the documents, including the original Vehicle Registration Document (if there is a car loan, there will only be a copy of the Vehicle Registration Document) Make sure there are no major problems with the vehicle, such as big scratches, or unreasonable mileage.
2017年10月18日 · An essential part of buying a car in this country is complying with local laws mandating a minimum level of vehicle insurance in order to legally drive. In Hong Kong, the legislation states that, in order to comply with mandatory insurance laws, your car insurance policy must: Provide coverage of HKD 100,000,000 for any one event resulting in ...
2018年2月28日 · On 28 February 2018, the government launched the "One for One Replacement" Scheme to encourage owners of private cars to switch to electric vehicles, without stimulating the overall motor population. Drivers who scrap a gasoline-powered car and purchase a new electric car are eligible for a tax concession of up to HK$250,000 if they meet the ...
