Experts consulted by HOMELAND advise relying on the financial advisor to the dealer from whom you are buying the vehicle or ask about the different interest rates offered by banks, to know what is the lowest. You should also discuss the fee will acquire fits your budget and is key to note that not only pay, for other expenses such as parking, gasoline, parts, insurance, fees, tolls, maintenance, among others come. Rather, plan.
In addition, the depreciation of a motor begins from the time of enrollment and is between 15% and 20%. Are acquired immediately fall into the category of used and can compete among thousands of vehicles that seek to be sold and purchasers exploring price offers.
I have Bad Credit and Need a Car
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"We must use the options, ranging from 12-84 months duration in any cases. Although most traditional is a credit to 36 months with the same interest rate. Note that at the time, there is more interest. If down to 12 or 24 months, credit is cheaper, but more expensive fees. You must take account, "said one expert.
One recommendation is to consider the price of the magazine Motor to know the car that fits your budget. In the economic range vehicles are between $ 20 million and $ 30 million, and remember that you will fund up to 90% of the vehicle, although that depends on the policies of the concessionaire. However, you may be eligible for credit or not, no matter who wins the same as another person who granted it themselves. Choose the most comfortable paying.
"This week we found out credit offtake and was offered a preferential rate of 0.9% monthly in arrears, which I thought was very good. It's a matter of inquiring," said an expert.
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other options
Companies like General Motors Renault Sofasa Colomotores and offer their own financing plans.
Chevyplan: opera since at least 15 years and allows customers to purchase a Chevrolet 0 kilometers with no down payment and no interest financing, also having payment periods and, according to the company, shares 30% cheaper than giving financial institutions.
It is a self-financing trading system, in which the client is part of a plan of 60, 72, 78 or 84 months, thus becoming part of a group of 150, 180 or 200 people. With monthly contributions of the members of each group, a common fund that are acquired vehicles monthly basis. The savings are managed by a trust.
Rombo Plan: is programmed to acquire savings vehicle. It is aimed at those wishing to buy a Renault 0 kilometers and do not have capital. It drives without interest, no down and monthly payments to 72 months. The only person must have the ability to make a monthly contribution and project to acquire in the medium term. The Plan is monitored by the Superintendency of Companies and the monies administered by a trust company, through the figure of autonomous assets.
180 groups of contributors and according to the vehicle to be acquired are formed, the monthly payment (variable fees) quota is set, a registration is canceled and the adhesion contract is signed. All partners participate in monthly events called assemblies, where vehicles are allocated among the members of each group. The Plan delivers each month depending on the fulfillment of payments, a vehicle by lot and another offer, until one hundred percent of the contributors have a vehicle assigned no later than four years.
* Renault Box: is a package that includes funding the total cost of the vehicle, insurance, accessory kit and one year extended warranty. Customers only need approval to acquire different products, and would make a single monthly payment. In this case, funding would be through Sofasa-credit, with rates from 1.05% monthly in arrears and term of up to 72 months. There are plans that pay $ 4 million initial and a daily fee of $ 9000 for 72 months. The monthly fee includes the value of credit, accessory kit, extended warranty and life insurance.
The advising
Robledo Mauricio Ferreira, manager of Casa Comercial Restrepo
The minimum wage should have a customer is $ 1 million 200 thousand, free of debt and the calculation of roughly three times what is the monthly fee for the financial lend him easy. For example, if the fee will be me $ 500k, I must prove income more or less than $ 1 million 500 thousand.
The initial minimum required by the Financial is 10%. In some special cases, when the client has very good score Datacrédito and salary is very good, you can finance hundred percent.
The periods ranging from 6-72 months. This is also measured depending on what fits the fee. Typically, most funds at 60 and 72 months for convenience in the monthly payment. Then with her cousins, makes fertilizers capital, allowing you to lower the same monthly fee or time initially requested.
For example, for a $ 18 million Spark 990,000, with an initial $ 10 million, $ 8 million remaining 990,000 would to 60 months with payments of $ 215,000 safer. For a salary of $ 1 million 200 thousand reached.
Most people in Manizales financed deadlines deadlines, because the longer, the lower the fee.
Andrés Herrera, commercial adviser Caldas Motor
Loans from banks for the purchase of vehicles ranging from 6 months to 72 months, giving at least 10% of the value of the car and financed up to 90%.
* It is essential to know that the person must earn at least $ 1 million 420 thousand (required financial) to apply for a study.
In addition, the policyholder credit can not be heavily in debt and hopefully have credit experience. This experience should not be higher than 60 days nor negative reports as are punished or restructured portfolio blackberries. That is, it is not bad qualified in the financial sector and the real sector (Chec, Aguas de Manizales, UNE, Movistar, Tigo among others).
The best advice is to analyze its borrowing capacity to see if applied to the current financial arrangement.
If your income does not give the expected debt can add up income with a family and one of the two must earn at least $ 1 million 420 thousand to comply with the profile of the company you want to make the credit.
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