确保自己在支付利息前能付清所有的钱。记得要把那些小费、停车费和行李费都算进去。
You only consider monthly payments when buying a car.
买车时只考虑了月收入。
Aside from a home, a car is one of the most expensive items you’ll purchase in your life. While it’s understandable to focus on monthly payment amounts when determining how much car you can buy, your ability to afford a monthly auto loan payment doesn’t mean you can afford the car.
和房子一样,车子也会是你人生中购买的最贵的东西之一。在决定购买什么价位的车时,月收入的确需要考虑进去,但你能付清每月的车贷并不代表你就能买得起这车。
If you’re in doubt, consider the duration of the loan: If it’s longer than three years, and doesn’t result in owning the vehicle outright at the conclusion of the loan, you’re shopping out of your true budget.
如果你还对我的话有所怀疑,那不妨想一下还贷期限:但如果还款期限超过了三年,直到还贷结束才真正拥有这辆车,你得基于自己的实际预算来购买。
The same premise holds true for auto loan refinancing: If you’re refinancing because interest rates have dropped considerably since you initiated the loan, that may be a money-smart move.
车贷重新按揭也是如此:比如由于车贷降息,你选择重新按揭,这是个理财方法。
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