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The car payment For most people the car price range between 15,000 and 80,000 euros. It is a considerable capital and not all buyers have the money to pay cash. We must consider this operation as if it were a mortgage and not stay only with the tender offer us financing dealer.
But every time the credits cost more to get and find the funding can be a very complicated task.
We must consider the repayment period and the average interest rate TAE: more time for repayment, the higher the interest rate
.
So first, we analyze the actual capacity that debt has to be sure to pay in future payments.
Payment Options First we must consider as we will face the car payment . We can go to the dealer , a bank , savings or other financial institutions . Dealers can offer flexible loans called . They consist of the first gift or reduce fees for the first year . But we have to be very careful , read the fine print and check the APR that applies after affordable , so one has to calculate how well the actual quota will be once the promotional time past.
Especially for cars through a bank or a box we can make our funding ; ask for a personal loan . They tend to offer more financing options. Have variable rate deals . We must also take into account the commissions (eg opening or cancellation).
We may also ask a quick credit. They are loans quickly and with few conditions. But the risk assumed by the institution is higher so the interest rate rises .
Multi option It is divided payment. Pay of the car at short notice and leave the rest for a payment called Guaranteed Future Value in which the customer can return the car, change, or stay with him.
It's a good way to change more often than car or to have a high end car that otherwise could not.
Renting It is a long term rent a priori without the purchase option. The rental company purchases the car on behalf of the client and offers for a time agreed with all bills included.
It is a good choice for small and medium businesses.
Charges This must be taken into account of the cost of the vehicle itself the expenses it incurs the same: gasoline or subsequent repairs. Also registration tax or emission car. Also the road tax will vary depending on the city. Finally car insurance.
If it is a second hand car is sebe pays Transfer Tax.
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