买车，可以预批贷款了！
现在，您可以在进行试驾之前就获得预先批准的汽车贷款。通过预批的汽车贷款，您可以更理性的选择在预算内的车。
想要驾驶着新车在路上穿梭？好消息告诉你！现在您可以在您还未踏入汽车展厅时就大致确定您已经可以负担哪种车款，也无需等待天的时间和大量的文件才能把心爱的车给驾走。这要归功于大华银行、星展银行和华侨银行提供的在线汽车贷款申请。
这种预先批准的汽车贷款提供了更大的便利和确定性，让我们一起探讨。
预先批准的汽车贷款的利率是多少（与传统汽车贷款相比）
| 银行 | 利率（每年） |
| 星展银行 （DBS） |
1.99% (实际息率-EIR: 3.77%) |
| 大华银行 （UOB） |
新车：2.68%（实际息率：4.91%起）
二手车（10岁以下）：2.78%（实际息率：5.32%起） |
| 华侨银行 (OCBC) |
汽油/柴油车：2.28%（实际息率：从 4.18%）
电动车：1.68%（实际息率：从 3.09%） |
| 快速信用 （Speed Credit） |
新车：从 1.68%
COE 更新：从 1.80% |
| 瑞信信贷 （Swee Seng Credit） |
从1.99％ |
| 丰隆信贷 （Hong Leong Credit） |
新车：2.48％（实际息率：从4.77％起）
二手车：2.78％（实际息率：从5.32％起） |
预先批准的汽车贷款可提供具有竞争力的利率？
在上表中，我们将星展银行、大华银行和华侨银行预先批准的汽车贷款利率与其他三种同样提供汽车贷款的选择进行了比较。预先批准的汽车贷款的年利率从 1.68% 到 2.78% 不等，其定价与其他供应商的汽车贷款相似。
电动汽车
电动汽车获得最优惠价格（与华侨银行），如果您想买的汽车是电动汽车，那就选择华侨银行提供的无与伦比1.68％的利率汽车贷款。 这比使用汽油或柴油的汽车的比率低了整整 0.6 个百分点。虽然在纸面上看起来可能并不多，但考虑到新加坡电动汽车的高价，您可能会节省不少的资金。
预先批准的汽车贷款如何运作？
预先批准的汽车贷款的运作方式与其他类型的贷款相同。您可以在所选的银行在线申请。 一旦获得批准，您将获得关于最大可借用金额的通知，这使您可以更清楚地了解实际可以购买的汽车品牌和型号。您的银行将兑现指定的最高金额。
相比之下，传统的汽车贷款只有在您选择了想要购买的汽车后才能申请。您的经销商将帮助您完成申请，但您需要填写一些文件，这可能是一个漫长的过程。 然后，您的申请将被进行审核，这通常需要几天时间。在此期间，您并不知道您的贷款是否会获得批准，那种很期待把心爱的车开走的心情，小编在这表示理解。
您如何在新加坡申请预先批准的汽车贷款？
要注册预先批准的汽车贷款，先要浏览DBS，UOB或OCBC相关页面。
按照页面上的说明填写您的申请资料。您也可以使用MyInfo自动检索您的个人详细信息，从而进一步缩短了流程。
使用预先批准的汽车贷款，您可以借多少钱？能借多久？
| 汽车的公开市场价值 (OMV) | 最高贷款额 |
| ≤ 20,000 新元 | 购买价或估价的70%，以较低者为准 |
| ≥ 20,000 新元 | 购买价或估价的60%，以较低者为准 |
根据现行规定，您最多可以借用汽车购买价格或估值的 60% 或 70%，具体取决于其 OMV。汽车贷款的最长期限为七年。请注意，以上限制受债务控制监管计划的约束，包括总债务比率（所有债务不得超过月收入的60％）和信用等级。
新加坡所有经销商处都能接受预先批准的汽车贷款吗？
据说新加坡 11 个授权经销商都能接受OCBC的预先汽车贷款。对于UOB，奥迪-Audi, 马自达-Mazda, Cycle and Carriage, 日产-Nissan, 斯巴鲁-Subaru and Performance Motors等公司都是其预先批准的汽车贷款合作伙伴之一。同时，DBS的预批贷款则可以与DBS授权的汽车市场一起使用。
读到这，不知道您对汽车预批贷款有什么想法？是否需要我们写一则新加坡汽车保险的文章呢？我们很愿意收到您的私信。 另外，还是要再次推荐我们的“狮城攻略”微信公众号（scgl910），快快扫码关注我们吧。关注我们，你将活得比LOCAL更LOCAL。
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