Friends share of North American car loans, worth so
Created:
/Author:
Aaron Lewis
In this paper, by Wu ZhiyiAndYuan Xiao writing together, share their experience in North America purchase a car, very suitable for the North American car loans children's reading.
This paper mainly sums up some time ago in the USA buying experience, some experience can be universal, and some can not, so I will try to use a different color font representation.Believe that read the whole article, you can understand the whole process of America purchase a car.I will also mention some similarities and differences between domestic and American purchase a car purchase a car in this paper, a home purchase a car friends welcome to add more experience.
This article comes from many perspectivesWww.carbuyingtips.comA very complete teaching you to purchase a car USA
website, if you have time, suggest that with read the above experience, although not to the person above then good, but at least when dealer told you about loan, lease,
title, APR you know what he was. In addition the paper in USA installment payment buy,
for direct pay a buy and buy second-hand car, may be useful
A credit record:
Credit record you in America economic activity history, how can you loan, how the repayment, work place, residential address all these information included in the credit records, credit record is a report, you have to include these economic activities, but this report is very long, so there are 3 credit institutions to this based on the report of the algorithm to calculate a score, which details the credit score.
we often say I don't want to amplify credit history and score, if you have a superficial knowledge of this word, then you are not possible loan to buy a car, please go to the understanding of credit record information,
there is a steady credit record and then intend to buy a car Enhance their credit record to 3 1 for the amount of the credit card, the amount of annual mean is at least 2-3, 3-4 Zhang Weijia 2 can use a credit card to pay with a credit card, but credit use rates as low as possible, never deferred payment, at least once a month to give minimal
payment 3 credit record and the longer the better
New or car?
First you have to choose to buy new or buy a used car. The new benefits of natural self-evident, but the old one is not so cheap as you think. Many of the early to USA friend must have heard of more or less America car cheap, this is correct, a 2006 Honda Civic (Honda
civic) often need only $5000-6000, while the Honda Accord (Honda
accord) is only about $8000, compared to familiar with the domestic price of friends is hard to imagine.Ordinary America public university, graduate student a semester's tuition to $6000-8000, from the relative purchasing power of the above, this is really the same price of cabbage.However, here I want to add a bit of is, America old water is very deep, it seems cheap, but there are several problems worthy of attention: Car wreck 1 American is very fierce, the average American gets mileage of 12000 mile (19200
km), while the average annual car China only 5000 kilometers (3125
mile) such as a 2006 Accord, in the domestic you'll find out only USA mileage 1/4, thus the performance and the degree of depreciation are much better than the America car. Fee is very expensive to repair 2 USA car, maybe you used the relatively cheap low maintenance costs, see America do a little checking is 200-300 knife will be very do not understand: change a tire 200 knife, but the labor cost is $200? America here artificial fee abnormally high, so often you cannot follow as the only domestic calculation parts costs can roughly know the repair costs, USA side usually repairs = parts cost x2. 3 American insurance is very expensive, usually domestic insurance than American cheap, while their own part of the domestic insurance burden is very few, and USA side is usually pays $500, that is to say if you drive the collision occurs, your responsibility 100%, repair cost $1000, then you should take the $500, if the repairs $500, then you all themselves, which for some small bump very headache.Domestic simply report what you can get paid, and USA you can out of his own pocket, perhaps with the home you will feel this clause is king, but the situation is like this, even so harsh, you still have to make about $150 car insurance per month (liability+collison).Some cases of second-hand car can not guarantee collison, the price will be less than half about, unless you car is very cheap, you lose that is damaged, or suggest that you buy two insurance.Most of the time did not provide collison insurance, car manufacturers will not let you go 4 old your source is generally two ways: the regular car business, or personal transactions (such as craglist), general craglist above the price may be slightly cheaper than a car, but also bring many hidden problems.With the car business, vehicles were generally consistent with high standard, so the price is more expensive, but the personal car quality is uneven, not for the purchase of experience of the people, here to save money, the future repairs may be far away from the original to save money.In addition, with the car business to buy can generally be payment processing, and like private purchase is usually a one-time payment, so please consider hand according to their cash flow.
If you have carefully read the above comparison, believe that the example below will be more vivid: A: buy a 2006 Accord, $8000, 96000
mile, $150 monthly mileage, insurance, repairs $800/ B:
bought a 2012 accord, $25000, mileage of 0, insurance $170 per month, stage 60 months interest payments, 3%, $450 The first year: A: 8000+800+150x12 = $10600 B: 450x12+170x12=$7440 After 3 years of use: A:8000+800x3+150x36 = 15800The vehicle damage cost $4000
, the total surplus value $4000 B450x36+170x36= 22320The vehicle damage cost
$5000, the total surplus value $20000, and the next two years car loan $10800 I choose the A scheme, will pay more for repairs and disposable car costs, at the same time, the use of a 8 years ago, 3 years after the sale value of binary. And the choice of B scheme, the first year of payment pressure smaller, but can use the most comfortable of the car, and the car at the beginning of the 5 year after the loss is very small, the maintenance cost is very low, even if the sale, still can sell a good price.
Styles
Next, we speak of styles: First of all, America car in general than the domestic car cheap 20-50%, more luxury models, cheaper than domestic more, such as Porsche, Audi,
Benz, BMW and other German models, our price many times only the domestic 1/3,
even with state tax, the price will be less.But the reason for these cars are not selling lies in the maintenance fee is ordinary Japanese, several times.
American car so the popularity has not reached the Japanese vehicle level. Americans usually more like the outstanding quality of Japanese cars, but with the recent rise America vehicle quality,
America American car also has a reversal of the trend, but as a secondary market, the Japanese car easier to sell, sell price
American and the same domestic models also have some subtle differences between China and the United States in the purchase a car, reflect the ideas and habits of different: The model the main parameter is the time and capacity, so you'll see such parameters "2012 2.0L SE" accord ", the 2012 Camry Chun Rui
2.5S atom version", so no matter how fancy name, two will not change what is in: 2012, and output: 2L, 2.5L American car model is not the same, usually in the high-end cars not equipped with small engine like 1.6L, the default is 2.5L engine, such as Accord (ACCORD), the America sold 2012 Accord, output is 2.4L, not the 2.0L configuration, for example Tiguan (Volkswagen Tiguan), China even 1.4T entry-level version, and America all 2.0T
date.American description engine like V4 and V6 to judge, so the smaller low car in USA not popular, so when buying also need not too much on the engine horsepower entanglements, the default is full enough, sometimes for consumers to choose less surface point is not a bad thing. USA automobile is usually not equipped with reversing radar, car camera is the high-end models of equipment, it is almost all models are equipped with cruise control, even if it is a version of the manual entry. So before buying,
please do comparative lessons Vehicle classification USA mainly depends on the configuration, such as a vehicle is divided into LX, LE, EX, EX-S and other models, the main difference is the tire, electronic systems, interior trim, seats, sunroof, here to talk about an American habit of buying a car America: 95% car is to buy the car, only the remaining 5% people will customize the configuration, and then assembly.This and our people at home to spend several months to finalize a size, configuration and customization, go to the 4S store to order, then 1-2 months with different assembly.Americans are like to go directly to the car shop, buy on the same day, the day is gone, perhaps more than expected good configuration, perhaps almost, perhaps the color and not as planned, they no matter.As long as the spot, probably to meet expectations, on the same day with.So you USA when buying a car will remember this difference.They talked about the car, rarely talk to you customize the configuration you want, but you see they have recommended stock or can be deployed to inventory, if you choose their own separate configuration place an order, then the price will naturally will not have a save.So you will see the America dealers are very large, often filled with hundreds of cars, domestic 4S shop was more magnificent than.
American prices always ups and downs, I have observed the changes have been two years back and forth between 3 and 4, rise and fall, for the long run, the price will certainly rise.
USA sales of all car can be hereHttp://www.fueleconomy.govCheck every gallon of fuel consumption, attention is, America side of the standard is MPG (Mile Per Gallon),
and home we usually use KPL (Kilometer per Liter), the two data conversion is 1MPG= 0.425 KPL
so when you see a city high speed fuel consumption 22MPG/ 30MPG car, converted into the domestic standard is 9.35 km /,12.75 km / litre. Simple words directly x 0.4 also can roughly estimate consumption. Here, a tip is
American side hybrid car sell very well, I do not have to say, have a look the streets everywhere, Prius will know, because sales of very good, so the price is not expensive,
such as Fusion mixture the dynamic version of Camry and other popular models, prices than ordinary gasoline version of your 2-3K, but usually configuration is high,
instead of the ordinary version entry price can only buy manual. So to buy a new car, the price is also taken into account, an annual fuel savings of is American a lemon law (Lemon Law)
generally is the so-called "consumer protection law, the general in the car, within six months if there is a problem, or may cause problems, will recall, so please refer to the law to your local regulations,
once the car has any question, contact the dealer
America car is generally in the majority American production, Mexico origin and, generally speaking, the quality and safety of really good at home, here is the Toyota Camry
Hybrid Manual of the inspection time and oil change time. 10000 miles only need to change the oil, relative to the domestic regulations 5000 km for a time,
extent that manufacturers of own car quality confidence. In USA is very seriously, the auto safety, you'll find out some basic configuration of the car is still surrounded by air cushion protection.
similar to Changan that no security protection small van is not on the road crew
Price When a good style to your decision, the next step is to determine the price and commissioning
To talk about the price, I'll talk about America garage, American vehicle sales are generally "business + car manufacturers, such as" Moris
Toyota ", is to sell the Toyota Moris", they are the direct agent of automobile manufacturers, similar to the domestic 4S shop, they can usually tell you in good time to manufacturers of preferential, and service it is normal, but usually the price won't have too big Kanjia space.Another is that some local businessmen, with sales of second-hand, the name is half of xxx
auto, their price is very big space to negotiate, but customer service and the service is uneven.Another important point in the USA is: you'd better run before buying,
as said before, the domestic often appear the situation is: buy after the discovery of the skylight useless, or with low power is not strong enough, or a sound effect is not good "Yingshang",
and American here you try the car is you are going to buy the car interior, see what, you buy is what
, what is not used or didn't like place first time can understand, of course, the problem is, this car is perhaps not as you think "new", because a lot of people drive,
USA this habit is below 100mile as a new car, but sometimes you will meet some Demo or Manager of the so-called new car,
6000mile mileage,
this kind of car is generally the last owners return, or economic issues are recycled back, so that the car in general discount is very small, or in accordance with the new car in the sale, not recommended to try.
another person is not very clear in the tax delta is how, computing the new tax welcome
Due to the sale of stock car America habit, you need to advance in the dealer site to check whether they have you need to design spot, so go straight to the point,
when see you want to model time, record prices, specifications, and then to test drive the car on the choice of words, you want to buy a car to drive,
often the same spec cars in many companies have, then choose which car is better? There is a rule: you might not buy the home run.
once you run, for dealer, you sign a good contract is half man, prices are often very difficult to talk.
so go to a highest price dealer test, test after the price can not reach the heart price, leave it directly.
although some websites will suggest you use the threat to leave strategy to boost the car dealer price, but the personal found that this strategy may not be suitable for Chinese, because you're not Americans so patiently for a supply of sth.,
your spoken English at school talk is enough, but this at the time, it didn't work well met the.
we a situation is, if you in the 4S shop where to buy a car, it is likely that others would rather give upBusiness
rather than because for a supply of sth. the bad mood and affect your opinion of their store, once you after buying the car made a negative evaluation, then they store in the future and automobile manufacturers business will be very difficult to do, but also would scare off many potential consumers.
so cut the price it properly, and operational here, I recommend two website: Http://usnews.rankingsandreviews.com/cars-trucks/This is the USNEWS evaluation of the car and quotation, one of the more important one is MSRP and the invoice price,
another siteHttp://carwoo.com,This site is that you can also send a request for quotation to you near the dealer, and then they will offer a competitive price
Next we will talk about MSRP and invoice, the influence factors America very much, the calculation is relatively complex, a detailed explanation seeHttp://www.carbuyingtips.com/But you can be so simple to understand:
MSRP official recommended retail price = price + car manufacturers nationwide unified freight Destination fee the suggested retail price except when in the calculation of some Target
Price, basic not any reference meaning for us to purchase a car, if you buy your car if the price in accordance with MSRP, then... There is no then
Invoice invoice price = automobile manufacturers to the agent price, usually (MSRP Destination fee) X 9.2%,
also found in the kbb.com and edmunds.com web site Rebate/Incentive refund: some auto makers will promotion in a certain period of time, give all car buyers rebate concessionsUsually if dealer situation in different regions may be, some dealer can give more attractive purchase a car sales, others may not be entirely similar activities.
which requires consumers to do homework of goods than the three investigation clearly before buying
Holdback agents rebate = agents each sold a car can be obtained from the car factory rebate. Each car factory rebate size are not the same, gift calculation methods are following different.
see the rebate form:
Agents rebate table: Acura 3% of the Base MSRP Audi No holdback BMW No holdback Buick 3% of the Total MSRP Cadillac 3% of the Total MSRP Chevrolet 3% of the Total MSRP Chrysler 3% of the Total MSRP Dodge 3% of the Total MSRP Ford 3% of the Total MSRP GMC 3% of the Total MSRP Honda 3% of the Base MSRP HUMMER 3% of the Total MSRP Hyundai 2% of the Total Invoice Infiniti 1% of the Base MSRP Isuzu 3% of the Total MSRP Jaguar No Holdback Jeep 3% of the Total MSRP Kia 3% of the Base Invoice Land Rover No Holdback Lexus 2% of the Base MSRP Lincoln 2% of the Total MSRP Mazda 2% of the Base MSRP Mercedes-Benz 3% of the Total MSRP Mercury 3% of the Total MSRP MINI No Holdback Mitsubishi 2% of the Base MSRP Nissan 2% of the Total Invoice Pontiac 3% of the Total MSRP Porsche No Holdback Saab 2.2% of the Base MSRP Saturn 3% of the Total MSRP Scion No Holdback Subaru 3% of the Total MSRP (Amount may differ in Northeastern
U.S.) Suzuki 3% of the Base MSRP Toyota 2% of the Base MSRP (Amount may differ in Southern
U.S.) Volkswagen 2% of the Base MSRP Volvo 1% of the Base MSRP Here Total MSRP refers to the Base MSRP with your other optional accessories (leather seats, power seats, navigation system, reversing radar
etc.) calculated price
Estimate True Invoice estimates the true invoice price = invoice price minus the refund and rebate (Invoice - Rebate agent -
Holdback) before the Invoice of great reference value,
however it is including car factory to the agent as well as all the preferential rebate rebate, so we have to give it water squeezed out is a the real price of Invoice
Tax purchase a car to pay taxes = states consumption tax x True Invoice
Tags license registration fee = every car after the purchase must be to DMV registration license, this cost according to the size of all circumstances, generally in the $300 ~
$400
Lowball Offer = the Low-Ball is hard to translate, it is false price. The price is not a final target price,
but customers in and dealer for a supply of sth. deliberately give them a lower price with the price for the first time, and dealer negotiation.
need to pay attention to is that the price is too low, too low dealer just don't talk to you, but the high is not appropriate, it is accepted
may lead to finally talk down price from dealer to the lowest price too much. Generally this The calculated True Invoice + Tax + Tags - $2000 would be more appropriate. The price in the negotiations with the dealer
quite useful, but if you are not good at bargaining or not very good English words refer to the followingTarget
Price target price.
Target PriceThis is a price we target = last, this price calculation method of [(MSRP - Rebate - Lowball Offer)] / 2
+ Lowball OfferAlso note that, the Target
Price refers to youTotal cost of the deal
, not just the price also includes license registration fees and taxes The Target Price is an ideal condition, does not represent a higher price will not buy, it's just a your psychological price,
according to the price to see whether each other over false, and here also have to consider the future installments of interest,
so please refer to the next chapter of installment payment
Well, we learn now. If we want to buy a 2012 Toyota Camry SE car, can calculate the goal
using the above formula:
So, the price we target finally is $21105. final price is closer to the actual price is so dirty dealer from your pocket money less.
but generally sympathetic Chinese door does not need to care about our study so vicious bargain will let dealer no money to be made
drink the northwest wind, because the the price is not dealer the real car prices, but we can conclude the transaction (consumers and dealer can accept) the lowest price.
never worried earn not to earn money, want to know that if they don't make it is not agreed to the deal
Loan
As already mentioned, for non disposable paid car sales, we are in accordance with the form of loans to buy a car,
loans, mortgages, installment, there is no detailed to chew, as long as you're not going to pay the car, can be counted on the inside
There are several ways USA loan to buy a car, there are two kinds of common:
Is a loan from the car dealers:The possibility of high interest loans, high may be low, loan period is longer, and the interest to talk about This loan, the lender is the car business, if the 4S store, often is the automobile manufacturers, benefits are sometimes encountered in clearance sale, there will be 0 interest loans, this only requires you to have a good credit record to get.
and usually manufacturers not pester your immigration status, whether you are a F1, or H1, can give you for a long period of the loan
Another is from the bank loan:The possibility is very low interest loans, according to your credit records, loan period is not long, can not talk about the bank interest, according to your situation to decide Such loans, need you to go to the bank and bank negotiation,They are based on your situation to decide whether to give you the loan, as students, theyOften ask your immigration status,That is to say if you are F1 student, you are not to exceed a maximum loan period you I20 write the longest residence time in the USA.
such loans for international students in the US is not very practical
Just for the students to USA near, you are very difficult to get loans from the bank, because your credit record is too short, the banks will not lend you.
conversely, possibility to get loans from the car business is very large. Note here is: regardless of any circumstances don't tell them that you will be Immigration: visa date,
you have the right to not tell them this information, they may stay with your date
pressure, to make you the cash to buy a car, or give you high short interest or a deadline, this is the car maker's trap, encounter this kind of problem, directly leave, no more
So then I talked about the situation is mainly to get in the car business loans, so loans, have very important two aspects: down payment and APR,
the former refers to your Shoufu, the latter refers to your average interest rates, such as your car is worth 25000, you have to APR 10%, the repayment period is 5 years,
so if you follow this to calculate it, your monthly payment is 531, while the 5 year you need to pay 31871, that is to say the light at interest, he will earn you 6871, very high
this is a data, and if you have to the interest rate is 8%, then you only need to pay interest of 5420, this 2% difference is exactly 1450 pieces!
to know your usual Kanjia will cut hundreds of interest this. So, don't underestimate the 1% difference. You buy the car on your interest is more expensive, so the influence is bigger also.
so in consideration when buying a car is not only low price bid to temptation, you will see the real interest information before making a decision I think.
so your hot cars can get around 3-5% loan is very good,
some popular models and the old models can get 0-3% interest is normal, the long runSave thousands of money, the value of no less than reducing the thousands of price.
when you set your price, you can ask them to write a complete price list, including for the month, interest, the repayment amount, Shoufu, photo fee,.
if you agreed to and signed, they can enter into next, fill in thePurchase a car sales tableFill in the form, you purchase a car, the general need to your SSN,
license, as well as your income, they try to fill in, because behind you to provide the corresponding proof. In order to improve your credit loans through the probability, can be appropriate to pay a little
Shoufu, if you use 0 Shoufu, then the car dealer may because you have credit record is not long but refused to lend to you,
because once you have economic reasons can not afford the car for the month, they recover the vehicle needs some time, if you are a 0 down payment, then this time loss will be all by car manufacturers bear them is a very high, the risk, so the credit record is not strong, not enough students, suggestions
to 3000- about 5000 of the Shoufu, this will greatly reduce their risk assessment to you, they know that you really want to buy a car,
will be glad to give you more competitive interest rates and the amount of higher
As a reference, the loan interest rate is roughly: In June -1 years (including 1 years) 6.56% 1-3 years (including 3 years) 6.65% 3-5 years (including 5 years) 6.90% 5-30 years (including 30 years) 7.05%
Combination of the previous chapter price, your strategy is:The appropriate purchase priceIn the real price you make the floating $1000-800 is the key.
is normal or the installment can get competitive prices, in the long run than low price, simple sense to you much.
so don't spend too much energy and car manufacturers in the price for the dozens of knife for flush with shame car dealers in interest, give you add a 1% on all earned back.
and you are not American, not get bank loans, the more out of interest, you can either accept, or leave, no choice. So before seeing the interest information in you,
don't because sticker price for a supply of sth. and face torn
Insurance
I am not very proficient in the aspect of insurance, but in general you should buy the same day, the day you left, a man must provide proof of insurance,
especially if you want to provide liability and collision insurance, in some case, part of the car business of each insurance amount will be specified, such as deductible
not less than $500, so it is best to ask these circumstances apply. Recommended in the car, on a good price, contract, write down your car engine number VIN
number, then open your computer /iPad fill in online quote good information on a price, and then take quote reference
number to the phone and artificial details, buy insurance, usually a one-time payment of 6 months and monthly pay alone, please according to their own situation to consider.
when you with all the information, the insurance company will give you a policy number, the car company's loan account name and fax
for them, they went back to the car company's financial department to your insurance information, so as to enter into the next sign
Signing
Signing this part mainly divided into two kinds, but are done in the car, so unless you want to engage in individual license, theory is no longer running DMV to handle, which is in American car abnormal convenient, can successfully see through all the formalities for a day, two procedures:
1 you register new DMV material
2 you sign the payment terms
The former determines your license plate, car registration information, if you cross purchase may be related to the different tax rates, the car dealers is to know.
buy mentioned you to where they will automatically help you calculate the license plate. In addition USA car license management is very simple, only need a car dealer in DMV there go through relevant procedures on the line for you,
not what strange audit fees, road use fees, tolls to collect, license plate number project
Before signing, they may provide your credit report to you, if not, can legitimately ask them to give you a copy, as a future reference,
general normal score is one of the 3 major credit agencies report, and they will sign some privacy provisions, SSN information such as you use it, please look carefully,
try not to disclose more information to any third party
For these lengthy legal provisions, believe it after a long day for you, is getting tired, so here, I dare not say that let you read every word, understand each in terms of meaning,
I only put forward two: 1 see anywhere, with figures such as the date, price etc. 2 see any left blank place, make clear why blank
When all your signature is completed, the general financial will ask you to provide your next some proof of funds (Payroll), you have proof of address (utility bill, phone bill
) and you have reference, you can link to your friends. To prove you can find and have the economic strength of repayment
After signing all information, finance will take you to the payment (if you have to Shoufu words) of this kind of payment generally accept cheques and cash, in most cases also accept credit cards,
but some car dealers limit credit card can only pay a certain amount of the purchase a car payment.
so you have a cashback credit card, the large consumer the opportunity to use
The car:
When you sign all clauses, you legally own the car, generally speaking this car has totally belong to you, you can directly gone,
car dealer then usually have technicians accompany you see the car just wash, fill up the tank car, the new show you the above technology, electric station control.
everything is completed, will always have the manager you out and shake hands, thank you to buy their cars, and finally with your earliest on car sales,
will remind you to receive future manufacturers inventory, help him a few words, I also mentioned that if you are satisfied with your friends, refer will be preferential. And then he will give you all the cards,
car manual. Solve these things, you can take the car home, in general the whole process about 3-4
Other matters needing attention:
Learn how to use Internet planning to purchase a car 1 The car in China or American is an event, especially for many low-income working students, the car should be more options.
traditional field visits to the dealer about the price to see is not the reality, which is time-consuming and laborious. Learn to use the network to choose the vehicle purchase a car can help you left a lot of time and energy
, and the actual effect will be even better
The previously mentionedWww.carwoo.comIs a good example,
input target region of zip code, it can help you get within 100 mile of the dealer for the same models offer,
and you can also directly online and dealer bargaining, ask dealer about the problem,
remain within doors can get their satisfaction with the price. Because you can get a lot of dealer offer, this field purchase a car lock can help you in the last dealer of the range, no longer have to fly without head like hit the jackpot (especially in the big city,
dealer more
Network not only can help you choose the car purchase a car, some credit record good students can alsoUp2drive.comOn the website directly for a car loan.
because I because of their credit records not enough can be on the net to successfully apply for loans,
here will not say more, so as not to mislead the students, I hope useful over the bobbin can inform
2 get your credit score report Some black dealer using your credit score is not high enough on the grounds of help when you purchase a car loan, given a very high interest rates on loans.
this time out in advance from the three major credit agencies (Equifax, TransUnion,
experian) get credit score report (Certain if the fraction!Let JS be rendered speechless.
) will be able to know in advance your credit score can help you understand your current credit situation, and thus be able to own car loans have a clear positioning
3 keep your driving license and SSN Until the last official signing car loansNever to surrender your driving license and social insurance number SSNSome will require copying!
before your driving dealer in the test card, the reason is the insurance requirements even said "salesman" to prevent robbery...
everything dealer put forward this request will not bother, and also to raise vigilance, because some black dealer in your drive time secretly do credit check,
you know too much credit check will affect your credit record. Of course you're going to take it for a test drive, the following is a response to the driver's license to prepare in advance a method: copy
in "MayNOTRun a credit check"
, then in the drive before the copy to them on the line As for the SSN, as long as not decided finalized car, absolutely don't tell dealer your SSN number, to know that the SSN they can get almost all of your information. You will not know to black dealer will take your information on what to do with. So in order to students' personal information and personal credit scores, must be a good care of your driver's license and SSN, to prevent malicious access by others
4 to purchase a car at the end of the month Every month salesman are indicators to complete, so every month they will be happy to offer lower prices to ensure that their performance this month. Especially for some of the sales staff, their performance in the first three weeks is not very good, not how much the car out, so in a week after they will try to sell the car, this time the students and they talk about the price will be much more convenient
5 never first store in you in the car The first into the dealer store, you don't know what all. No matter to do much homework to check how much information, not real in open their favorite car, not the real thing and Elang like dealer over against, your heart is always full of countless uncertainty.
first dealer does is test drive, access to information, familiar with the car flow. Ask dealer as much as possible, as little as possible to disclose personal information. Practice and salesman bargain, but always remember do not sign any they gave you the form. Finally, think about can leave with the price not satisfied or not enough money for various reasons
Finally, wish everyone to choose their favorite car
プロフィール
PR:無料HP
合宿免許 大型
資金調達 売掛金買取
専門学校 学費
オートエクゼ
中古ホイール 鳥取
タイヤ WISH 格安
保育 短期大学
クルマパーツ
モルダバイト
幼稚園教諭 短期大学
小学校教諭 通信
タント 中古
名簿販売