汽车贷款应该多长时间?
想知道买车需要多长时间? Check out these factors to determine how long may be too long and what's best overall for you.
当涉及到 汽车贷款, buyers have so many options on loan length terms these days. It's important to explore all the options up front so that you can be a more informed and confident buyer.
贷款期限有关系吗?
随着汽车越来越贵, banks and creditors are allowing loans on new and certain used 车辆s to get longer. Higher mileage used 车辆s typically will not qualify for a longer loan. But t在这里 can be drawbacks to longer loans — whether for a new or used 车辆.
长期汽车贷款需要考虑的因素
- 因为贷款的期限更长, 你的月供对你来说可能更负担得起. A smaller payment may allow you to buy that more expensive dream car you’ve always wanted.
- Seventy-two months may make the monthly payment lower or more affordable, but it also means you'll be paying for that 车辆 for six years — and potentially paying more in interest over time as well.
- 最常, dealerships ask how much of a monthly payment you can afford as opposed to how much you want to spend. And this may sound great, especially if you are interested in a more expensive 车辆. However, stretching out the loan longer term may not be in your best interest.
- 在最初的几年, you'll likely be "upside down" in the loan since you'll owe more than the 车辆 is worth.
- 根据埃德蒙兹的说法 平均新车贷款期限 is around 70 months, with 84 months (seven years) becoming more common.
- 如果你的车报废了, the amount paid will depend on the value of the 车辆 and not the amount owed. 如果你有贷款 pp王者电子官网的差距这可能有助于弥补差额.
短期的汽车贷款更好吗?
Long term and short term auto loans both have advantages, however a short term loan is typically better in the long run. Short term loans may save you money and be a better choice because of lower 利率. You could pay less interest on a 36 or 48 month loan than a 60 month loan.
首付对贷款有什么影响?
The general rule of thumb is that the more you pay up front, the less you'll pay each month. Car dealers are also more inclined to "deal" on price and 车辆 features if you can afford to bring more down payment to the negotiating table early on. Another important factor to remember is that new and used 车辆s tend to decline or depreciate over time, 除非它们是非常抢手的收藏品.
However, it's still important to note that as the car gets older, it will go down in value. Thus, having a shorter loan term will mean the car is worth more at trade-in or resell time. You also want to avoid something called "negative equity". 如果你准备卖掉你的车，但仍然欠, 说, $15,000美元, 然而它只值10美元,按市值计算, 然后是5美元,为满足贷款需要弥补的差额.
使用这个 有用的计算器 to assist in your exploration of loan length options.
