Remember: Actual card and loan conditions depend on the financial institution's approved terms and contract.
Fix the vehicle price before comparing financing
A lower payment can hide a higher purchase price.
Down payment changes principal
But do not exhaust emergency reserves.
Cars depreciate
Long financing can create negative equity.
Include insurance and running cost
The loan is only part of ownership cost.
Official reference
Taiwan Banking Bureau — APR / total cost examples ↗
General financial education only. Not a lending offer, personal credit determination, or individualized borrowing advice.