BC省的ICBC自己说的
It's easy to spread out the cost of your insurance with ICBC payment plan. You can choose monthly or quarterly payments on a 12-month policy.
www.icbc.com
The one time enrolment fee is $15. You won't need to pay again as long as you keep your plan and renew it within 12 months of your Autoplan policy. The finance rate is 2.50% calculated using the straight line interest method over 12 months and is fixed from the day you sign up. Your monthly or quarterly payment stays the same. You may also pay the full balance at any time.
这里说是2.5%,其实每个月都在付款,但是月付乘以12等于年付乘以1.025,所以,就跟信用卡分期一样的算法了,真实利率是5%!如果真实利率是2.5%,那么,由于每个月都在付保险本金,自己实际支付的利息总额必须低于2.5%很多才对应真实利率2.5%的。
具体“
straight line interest method”的算法,“Straight Line Basis = (Purchase Price of Asset - Salvage Value) / Estimated Useful Life of Asset”。
ICBC的代理商说的什么年付有折扣,都是不说清楚,含糊不清的。你看ICBC的说法,
finance rate,买车贷款这边是不是也叫做finance啊,合着买车险的月付,本质上是我自己贷款,利率5%,一次性给ICBC付清,然后自己再慢慢按月还款啊。