The first car is the dream of all Peruvians. I do not know how it is in other families but in mine, it is as if the 1st car was a sign of a successful professional life. Particularly I bought my car until I was sure that I was not going to get in a rush. It is common for people not to consider all the actual expenses they will have with a car over time.
Most of the time the only expense that is considered is the value of the monthly fee and perhaps the fuel to be spent during the first month. Beyond these other disbursements can compromise your financial future and impair your personal stability. Thinking of how to help you in the search for your first new car here are some tips:
Why buy a new car?
We know that having a car is among the biggest consumer dreams of some people. It’s like climbing about 20 levels in the game of life. What is the real need to buy a car? Answering these questions you have already identified whether you should buy the car or not. Remember that the answers must be sincere from you to you.
Choose the limit value you can afford
It is necessary to have focus. Going out there looking at all the options and any type of car, is giving margin for errors. The ideal is to make a list of what you think is important in a car. This way you are limiting the options to prioritize the one that in fact interests you. To get even closer, choose some models of your preference and give them focus. This will improve the quality of your “market research”.
Never apply for a full-value vehicle loan. Nowadays it’s difficult but it does happen. Financing the total value of the vehicle is almost like being shot in the foot. At the end of the financing, you end up paying about 3 cars. The correct thing is to have an initial fee of 30% or more. That reduces the amount financed and your wallet will thank you.
It counts all the expenses that you will have with the new or used car. The value of the initial fee is a cost the vehicle fees monthly expenses of fuel annual vehicle tax annual maintenance insurance and others. These expenses must be budgeted before you buy your car. With this you can see if the impact of the purchase of the vehicle will or will not hurt your finances. In some cases it is more interesting to continue walking by bus and wait a little longer. In others buying a car can help cut other expenses.
Researches, investigates much
Do not enter the first dealership without first compare. Investigate before the purchase and compare all the vehicular credits of the market. Do not forget to look for a discount. Maybe you do not get a lower price but if a stereo or any other gift you always welcome do not you think?
It sounds silly but the truth is that everyone thinks understand cars. That is when false ideas and headaches come out. If you are going to buy a used car have someone who can give you his or her opinion about the car function. A trusted mechanic now is an amulet of tranquility and success. This helps prevent future headaches with emergency maintenance.