Car loan basics you need to know
了解一些关键的基础知识可以帮助你在借钱买车时做出正确的决定.
With the exception of a home mortgage, 汽车贷款代表了大多数人一次能借到的最大一笔钱. 然而,许多人可能不会考虑太多的资金,直到他们走到停车场. After securing your financing, 如果你决定在经销店买一辆车, it's relatively easy to prove that you have insurance 如果你有现有的汽车pp王者电子官网单. Check out this cheat sheet before you even start your car search.
Credit score and car loans
经销商有时会宣传极低的利率,这些利率通常只适用于信用评分特别高的买家——通常在800分以上. 你可以通过三个信用局网站中的一个免费获得你的信用评分. 此外,查看信用卡提供商的网站,因为他们有时会提供免费的信用评分. 一般来说,你的分数越低,你的利率可能越高. If you currently have a lower credit score, 你有几个选择:申请信贷,看看你是否得到批准,以什么利率(你可以尝试在晚些时候再融资,以获得更低的利率), delay your purchase and try to raise your score over time,增加首付款以减少贷款金额,或考虑联署.
Pre-approval for a loan
获得贷款人的预先批准可以帮助你对自己能买得起多少车设定现实的期望. Whether you're purchasing a new car or a used one这样,你在谈判价格和融资条件时就处于有利地位.
Loan term
一些买家选择72个月甚至84个月的贷款,以尽量减少月供. 但这也有不利的一面:这通常意味着支付更多的利息. In fact, according to Nerd Wallet, 与60个月的贷款相比,借款人在72个月的贷款期间可能要支付近三倍的利息. Use an auto financing calculator to see the differences among loan terms.
Rate vs. Incentives
一些经销商可能会提供极低利率或现金回扣的选择,但不会两者兼而有之. 而且哪一个更好的交易并不是很明显. Use our rebate vs financing calculator to find which works best for you.
Gap protection
Buying a new car is exciting, 但一般来说,一辆新车在被开出停车场后就会立即贬值. 如果你的车后来被毁了,你欠的钱比它的价值还多, you'll be responsible for the difference. This is why you might consider GAP (Guaranteed Asset Protection) insurance,因为它涵盖了你在汽车上欠下的钱和它当前的市场价值之间的差额.