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Before you begin looking for a
new or old vehicle, you should know your limits and what
you should be spending. New cars may be shocking to your
budget but they are trouble free for several years.
Experts say you shouldn't spend more than 10 percent of your
gross income on car expenses, which includes the cost of the
car and its insurance, gas and maintenance of the car.
Once you know the price range
and you decide how much you can put in whether you pay the
full amount or get the car financed with some down payment. If
you accept financing, the cost of the car increases as
you are also paying for the cost of credit. A good deal
is never to finance more than 80 percent of the true cost of
the car. At least 20 percent or more should be paid in cash or
the equity of your trade.
Before
buying your car, make your own survey about the best financing. Dealers and
lenders offer a variety of loan terms and payment schedules.
Compare the Annual Percentage Rate (APR) and total finance
charges offered by banks, credit unions, savings and loans
institutions, and other loan companies with the financing
offered by the auto dealer. You will be better prepared to
negotiate the selling price and make your buying decision.
Keep
these rules in mind while shopping:
-
Interest rates vary from lender to lender, shop around for
the best deal and compare the annual percentage rates (APR).
- Read
and understand every document you are asked to sign. Do not
sign anything until you have made a final decision to buy.
- Do
not take possession of the car until the financing paperwork
is final.
- The
amount you are financing
- The
finance charge (the dollar amount the credit will cost you)
- The
total sales price (the sum of the monthly payments plus the
down payment)
-
Dealer may try to "flip" your purchase to a
lease. Examine the documents
carefully to make sure you are buying, not leasing, the
car.
Some
dealers and lenders may ask you to buy credit Insurance.
Credit Insurance pays off your loan if you should die or
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other Insurance policies you have provide adequate coverage.
Remember, buying credit Insurance is not required for a loan.
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