현대차 파이넌싱으로 살려는데 Term 좀 봐주세요! ㅠㅠ
초보 | 2013.10.31 | 조회 369
계약서에 나와있는 내용을 좀 알려드리자면
APR 3.5%
Finance charge = $1474.30
Amount financed= $15111.50
Total of payments = $16585.80
When payments are due = Monthly beginning 01/22/14
그리고 밑이 조항입니다. 지금 계획이 할부를 하면 인센티브가 있기때문에 할부로 사인하고 최대한 빨리 갚아서 이자율을 최소화 시킬려고합니다. 딜러말로는 90일 deferment 기간 안에 다 갚으면 이자를 30불근처로 아주 조금만 더 내면 된다고합니다. 그 말이 맞는지요? C 항목이 이와 관련된 조항인거같은데 애매합니다.

1. Finance charge and Payments
a. How we will figure Finance Charge.
We will figure the Finance Charge on a daily basis at the Annual Percentage Rate on the unpaid part of the Amount Financed.
b. How we will apply payments.
We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we choose.
c. How late payments or early payments change what you must pay.
We based the Finance Charge, Total of Payments and Total Sale Price shown on the front on the assumption that you will make every payment on the day it is due. Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payments is due.
d. You may prepay.
You may prepay all or part of the unpaid part of the Amount Financed at any time. If you do so, you must pay the earned and unpaid part of Finance Charge and all other amounts due up to the date of your payment.

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