Getting the Best Deal on Auto Insurance获得最佳汽车保险
 

You've found the car that makes your heart race by 120 beats per minute.您找到了使你的心车竞赛由120次/分. Now only one thing stands between you and the car of your dreams: financing the buy.现在只有一点你和你的轿车梦:融资收购. In a perfect world, you'd pay the total price in cash without blinking.在一个完美的世界,你家里没有现金支付价款闪. But if you're comparable to the seven out of ten car and truck buyers who don't exist in a perfect world, chances are you'd be paying for your car by way of one of several financing schemes.但是如果你的十个有七个媲美轿车和卡车买家并不存在一个完美世界上的机率就会被付你的车借几融资计划之一.

Understanding the basics of each car financing choice is key to choosing the automobile financing strategy that best suits your position.基本了解每个汽车融资的选择是关键,选择最适合你的汽车融资策略位置. Here is an overview of auto financing options that may be obtainable to you.这里概述汽车融资方案可能被索取你.

Auto Loans from Lending Institutions汽车贷款机构

You can get a car loan from a bank, credit union, or other lending institutions.你可以从银行汽车贷款、信用联盟或其他贷款机构. The car that you buy will serve as collateral for the auto loan.你买轿车将成为汽车抵押贷款. This means that the lender can repossess your automobile if you default on the car loan.这意味着,如果你的汽车贷款可以收回您的汽车贷款拖欠. Auto loans are a popular car financing option because they on average offer reasonable interest rates and are rather uncomplicated to get.汽车贷款是因为他们的热门车融资提供合理平均利率相当纯朴递增.

Two factors are likely to affect the total cost of the car loan.这两个因素都可能影响到总费用的汽车贷款. One is the term or duration of the loan.一是贷款期限或任期. On average, the longer the term of the loan, the lower your monthly installment will be.平均而言,贷款期越长,将会降低你每月分期付款. But you'll end up paying additional towards interest and this will increase the total expenditure of the auto loan.但您自己掏腰包的兴趣和对这项额外的支出将增加汽车贷款. If you can afford it, get a short-term loan.如果你能够负担,获得短期贷款. Your monthly installment will be higher, but you'll be paying less money over all.你每月分期付款会更高,但是你可以少付的钱超过一切. The second factor that may affect the total cost of your car loan is your credit rating.第二个因素可能影响你的汽车贷款总费用是你的信用评级. Creditors with less-than-stellar credit history are commonly charged a higher interest rate because of the elevated credit risk.债权人低于历史信用恒星通常是因为利率较高控告的信用风险升高.

Dealer Financing交易融资

Like traditional auto loans, dealer financing is reasonably effortless to get.像传统汽车贷款、经销商融资得到合理顺手. Most dealerships keep relationships with several lending institutions, so they can arrange car loans even for car buyers with blemished credit histories.最让经销商与几个贷款机构所以即使他们能安排车贷款购车信贷与历史污点. To compete with standard bank loans, most dealerships offer zero percent or extremely low interest on dealer loans.跟银行贷款的标准,大多数经销商提供0%或经销商贷款利息极低. Still, such loans are available to car buyers with stellar credit ratings.但是,这种贷款是提供给购车与恒星的信用评级. Customer experts advise car buyers to get pre-approved on an auto loan from a bank or credit union before approaching the dealership for possible financing.专家提醒购车顾客得到预先核准就自动从银行或信用社贷款之前进场证券融资的可能性. By getting loan pre-approval from another lending establishment, a car buyer gets the upper hand when bargaining for a lower rate on a dealer loan.找贷款预批准贷款另成立汽车买主谈判取得上风时对经销商的贷款利率较低.

Home Equity Loans and Home Equity Lines of Credit住宅贷款和股本家信贷额度

If you own a house and have accumulated considerable equity on your property, then you may consider getting a home equity loan or a home equity line of credit.如果你拥有一个房子,你就已经积累了相当的股权财产那么你可考虑搭置居所贷款或股本股本信贷额. Home equity loans are fixed or adjustable rate loans that you repay over a set time.住宅贷款或可调整的固定利率贷款偿还超过规定时间,你. Home equity lines of credit are open-ended, adjustable-rate revolving loans with a maximum credit limit based on the equity of your residence.家居股权信贷额度是不限,可调利率循环信用贷款最高限额的基础上,您居住股权. Home equity loans incline to have lower interest rates than credit cards and other types of individual loans.住宅贷款利率已较倾向于信用卡及其他各类个人贷款. Interest payments on home equity loans may also be tax-deductible up to a certain extent.住宅贷款利息亦可免税达到一定的程度. Home equity loans and home equity lines of credit use your home as collateral, so be sure you are financially qualified of paying the monthly installments if you don't want run the risk of losing your home.住宅贷款和信贷额度用你们家股票质押回家,因此可以肯定你是合格的财政支付首期如果你不想冒险失去你的家.

Credit Cards信用卡

A credit card advance or credit card draft from your credit card company can assist you drive your dream car home.信用卡提前或信用卡决议从你的信用卡公司可以帮助你,你驾驶轿车梦回家. Like home equity lines of credit, credit card advances or credit card drafts are revolving lines of credit with variable interest rates.就像回家股权信贷额度,信用卡贷款或信用卡本票循环信贷额度可变利率. To entice existing customers to avail themselves of credit card drafts, credit card companies forgo cash-advance fees, assure low rates during the initial term of the loan, or offer high credit limits.为拉拢利用现有客户的信用卡汇票、信用卡公司放弃现金预先收费低利率保证任期初期贷款或提供信用高限额. However, because credit card drafts are unsecured, they generally have higher interest rates than home equity loans, traditional auto loans or dealer loans.但是,由于信用卡本票抵押,他们普遍比住宅贷款利率高、传统汽车经销商的贷款或贷款. Financing your auto purchase through credit cards could also leave you vulnerable to hefty penalty charges if you make a late payment or surpass your credit limit.您通过信用卡购买汽车融资也容易离开你,如果你做出大幅度罚则迟缴或超越你的信贷限额.