退休前/后买车,哪个更合适?_BEC初级作文

退休前/后买车,哪个更合适?

这个问题很好，涉及贷款审批过程的两个关键部分。第一部分当然是信用评分。如果你的母亲信用良好且信用分或有上涨的可能，这将是贷款审批通过且获得低利率贷款的最重要因素。

The second aspect of approval is what lenders call the "debt to income ratio." This is where they examine how much money you are borrowing versus how much money you are making. Your mom will be collecting a pension, but that's not a full-time job, so her debt to income ratio might be less favorable after retirement. That being said, as long as her credit score is strong and she isn't buying something ridiculous like a Rolls-Royce, I don't see her having any problem getting approved for another reasonable car.

审批查看的第二点则是贷款方所说的“贷款与收入之比。”他们会对比你的贷款金额和收入。届时，你的母亲将领取养老金，但这并不是全职工作，所以退休后，她的贷款与收入之比可能并不占优势。话虽如此，只要信用分高且不是购买劳斯莱斯等豪华轿车，贷款买车就不成问题。

However, if she knows the Mazda 3 is on its way out, she may want to consider getting a replacement while she is still working so she can pay it down while she is making more money. Also, some manufacturers offer additional rebates and discounts for educators. In this case, just make sure her post-retirement budget can handle any payments.