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从2026年6月1日起，汽车贷款正式废除“Flat Rate”和“78法则”，全面改用更公平的“有效利率（EIR）+ 余额递减法（Reducing Balance）”。新算法（… — @ethansimbanker

Posted Jun 12, 2026 (5 months ago)96s8,457 views

Video stats

Public counts from the last refresh.

Views: 8,457
Likes: 135
Comments: 3
Shares: 17
Saves: 17
Engagement: 1.83%
Duration: 96s
Posted: Jun 12, 2026

Video insights

@ethansimbanker's TikTok video "从2026年6月1日起，汽车贷款正式废除“Flat Rate”和“78法则”，全面改用更公平的“有效利率（EIR）+ 余额递减法（Reducing Balance）”。新算法（EIR/Reducing Balance）：利息只根据你的剩余本金来计算。你还的本金越多，剩下的利息就越少。这和现在的房贷算法是一样的，对消费者要友好得多。对谁有利？新规主要利好那些打算提早还清贷款的人。同样贷款5万，在新规下，提早还款能省下的利息会比以前多很多。 #carloan #财务规划 #贷款 #今天你学会了吗 #车贷" has 8,457 views, 135 likes, 3 comments, 17 shares in the public metrics captured by this index. That is an engagement rate of 1.83% (likes, comments and shares over views). It was posted 5 months ago and runs 1 minute 36 seconds. It has been saved 17 times.

Data as of Oct 21, 2026 (UTC), from the last public refresh captured by this index.

万能Banker Ethan Sim

@ethansimbanker

万能banker | Founder of EWG Advisory

Followers: 53,517
Following: 22
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Videos: 441

Frequently asked questions

How many views does this TikTok video have?: The capture indexed here reports 8,457 views, 135 likes and 3 comments.
Who posted this TikTok video?: It was posted by @ethansimbanker, who is linked from this page.
What is this TikTok video's engagement rate?: Across the captured metrics the engagement rate is 1.83% (likes + comments + shares over views).
When was this TikTok video posted?: It was posted on 2026-06-12, 5 months ago.
How long is this TikTok video?: The captured clip runs 1 minute 36 seconds.