See the budget. How much is the monthly budget range? How much more could spend without stretching the finances to the limit without jeopardizing emergency fund savings or other financial objectives for the medium and long term? € 200, € 300, € 500 Do not compromise the safety of your family, your children's education or your own retirement to buy a nicer car.
Remember that the costs are not limited to monthly loan installment. You have to add insurance, gasoline, registration, maintenance costs vary by vehicle chosen. The lower consumer has the car, the less you will pay in gasoline. The more expensive the car, the more cost insurance and spare parts.
Once you have a clear idea of how much you can spend, limit your search to that figure. Resist the temptation to buy a car you can not afford, do you look forward. It would be a grave error to seriously jeopardize your financial health.
the entrance
How I can spend on buying a car? Although get a loan, you need to have a good amount of cash for input. For a new car needs to pay at least 10% of the total price. That is, for a car must have € 20,000 € 2,000 minimum cash. The total price of the car, minus the input, the amount will be financed through a loan (in this case, € 18,000). The more input pay, the lower the monthly loan, however, nor should "stay two candles" liquidating all savings. Try to pay the highest possible input without disturbing your financial situation.
The more input pay, the lower the monthly payments.
There are currently financing offers no entry vehicle. This formula allows you to have the car immediately, but the monthly payments will be much higher. Best will always put off buying until you've saved the entry, the higher, the better for your finances.
Once calculated the entrance and monthly fees that may be paid without suffering too the budget, have a good idea of what car you can afford.
The choice of car
This is a very important purchase that directly affect your life and you will be paying for several years. It should be necessary to choose good research.
Be well informed about the range of makes and models BEFORE you go to the dealership.
Think through the use that will give the car. Do you drive mostly in the city or have to travel by road and highway regularly? Are you going to use just to get to and from work and to make the purchase, or for vacation? How many seats are normally needed? Do you have to take animals or charges? What features are most important to you: security, power consumption, comfort ...?
Note that dealers only inform you of the brand they sell, and you will have only the excellence of their vehicles. It is better to be well informed before going to the dealer. Internet and industry magazines are excellent sources of information to see comparative models with prices, specifications, standard equipment and optional, and opinions of experts and consumers. Should also talk to people friend who has the same model to know your opinions and experiences. Once you have decided, you can compare the offers from different dealers. And try the car in city and highway before committing.
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