The process of buying a new car 3

3. A good selection of salesman
This step is more important than the choice of service. If find good salesman, salesman as a consultant to the car for you and you will have the same car as you wish. But if you have bad salesman will be cheat. Salesman is waiting for a car to drive us to a contract. But the most important. salesman have to sell to make a profit for the company and commissions.

If salesman is relative to us. It would be much better to choose something by do not much profit in it. Friends recommend your salesman to show that someone had used it. Salesman maintain the standard of service at all.


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The process of buying a new car 2

2. Choose service center you want to buy car.
Select Trust Center because we have to live with the Center for many years. Let me repeat that for several years. If fault choose it is heartbreaking to you. And what to do about the car, it seemed to me. We also know that we need a center. Consider the following.

Represent a brand of car you want to buy. History of service center must ask detail who are around you or rumor. Some service center of us see it as a god. Or see us as a beggar. Some service center as influential. (Next time we have a problem after purchase. Saleman threaten to take over our cells), choose a center with a good track record and near your home for easy to contact and save Oil.


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The process of buying a new car 1

1.Select the vehicle you want. 
Should learn the basics or ask guru and our needs. What I like and have to do. The service centers and not good news. Brand, model that you like. The preferred option each model and necessity for use.

The color and luck of your belief. The price that we should evaluate ourselves. We can not afford much. When buying a car can be a problem for you.


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How to buy a new car be compatible with you

1. Choose car as your like
You are comfortable buying a car. Suitable for use in everyday life. Enjoy driving it. Select a vehicle.

2. History, good after-sales service
You will find information about your favorite car maker anywhere. Which company is the administrator. What is a bug or not. Is trivial problem or not. Important after-sales service is standard size. The nearest service center to provide comfort to you or not. However, the parts are easy to find and not expensive. Have to wait for months or even years. Try searching data on the Net. What if the user is good or not. If the answers are worse than good. Let them come to your car, not deplore. Go to a car like the second immediately.

3. Friend to rely on poverty
Although you receive loved car. Remember one day that you need the money urgently. Imagine how good your car ready to sell it or not. Not advertise a month into the year. Not interest. This means that the car may not be enough to qualify. But if you say I don't care. I will not sell. In fact, you should have to care for another 7-10 years it will change your mind.


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Mortgage loan

The long-term mortgage is made in 2 types: (1) the mortgage for inventory or moving asset (2) long-term mortgage with a property such as land or buildings. This period may last up to 25 years or 30 years.

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Conditions of the loan

Is the length of time that the bank will lend. This could be 5 years or 10 years, it is time for businesses to invest and profit from payments to the bank. Which tend to be consistent with the cash flows from the investment.

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Credit facilities

Is no formal agreement between the borrower and the bank to the amount of the loan. It must be a legal obligation to provide the maximum amount loaned. The credit line should be in advance of the actual demand. The bank will extend credit only if there is good information.

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Financing from commercial banks

As a source of financing for small businesses. Although bank loans are likely to be limited, but it has started to recover some of the funds from this source. Types of loans from bank lending to businesses is the 3 type.
(1) credit line
(2) terms of the loan
(3) mortgage loan

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Important source of business loans

Bank lending is an important source of business. Primarily we should remember is that when we need to borrow money. Must want to borrow more than the amount slightly. Because the bank screen and try to negotiate a reduction in our debt down. Because we are a new customer. Cause most people to borrow less than the reality. Because they have idea loan much less. Chances are they will have a lot of debt. To borrow money for a lot of unexpected expenses in the future. And our business will continue to go forward.

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Using a credit card

Pay the credit card balance every month, to help save money to pay the interest on a loan to do pay by installments, it saves a lot of money each year. If you do not have enough power to balance all money at once to choose a credit card that offers a low annual interest rate. Cancel many credit card number, and then turned credit card only one or two. It saves money to pay the fee with many credit card to pay the balance to avoid the time and expense to avoid exceeding the limit will be adjusted to save money as

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The loan is secured by the home

This loan value of your home down. If you can not pay as promised. Your home may be cede to. Compare loan offers from at least 4 of the fees charged by the interest rate and other factors that may affect changes in interest rates.


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Refinancing

Should consider move the loan. If you have been offered a better interest rate at least 1 percent of your pay. And calculations to ensure the long term you will save money over the course or not.

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Home loan

If possible, choose a mortgage loan for a period as shortest as you would have sent. It saves interest expense over you think. A source of at least six lenders in order to find out about interest rates and annual fees are calculated based on each of the options that will help you save as much as possible. A floating interest rate mortgage can change at any time. Rate increased only slightly. Can affect the amount of money each month to pay up.


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Car loan

If you have the money. Which is not very profitable for you. You should take money down from the car. Or buy it for cash. Than to pay interest on the installments paid. If you need to hire a real, it should look at it until you get the lowest interest rate that banks to contact multiple finance sources. Including car company itself.


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How to when can't pay by installments ?

In the mortgage each time. Debtors should pay before or on time so as not to have to pay a fee or interest for the late payment, if there is a problem that will not be able to pay the installments on time or will not pay. Debtors should talk with a financial institution as soon as possible to identify the causes and find solutions, such as reducing the amount to be paid each time until they can return to the payment in the original agreed upon (for example, when a new job. or cured) if the financial institution contact to you not should avoid, or do not know.


Contact phone, mail or other means then to avoid the perception of contact will make a bad situation worse. Also, there may be other additional costs such as the cost of press the claim debt.

The enthusiasm for this problem is a willingness to pay. May could not afford the contract at that time. Which is likely to contribute to the solution immediately. And have the opportunity to get help from a financial institution to find out more.


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What is refinancing ?

Refinancing refers to "change creditor", which is for loans for housing. The redemption of residence of former financial institution to financial institutions to borrow from one another instead. The reason is that most of the refinancing. New financial institutions offer interest rates lower conditions or financial incentives than ever before.

However, before deciding to refinance. Should be determined well before that good or not. Considering that the savings from lower interest costs than could arise from such refinancing or the cost of the home valuation. Costs associated with the mortgage contract, which is due to the need to process all new loans. And may be fined to the old creditor to terminate the loan before the time specified in the contract.

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The sum of money to pay settle?

If you have a good financial life event occurs such as the large bonuses being awarded the debtor may begin to think that it will take money. To pay housing loan or not. Which may be paid. Or to reduce the principal.

To do that would be good. Because of the outstanding principal and interest to be paid less. Especially if it is paid in the first year of the contract, which is the principal balance to high interest rates to be paid in the future will be greatly reduced. Must see that financial institutions have a prepayment fee or not. The financial institution to pay a penalty for this. Payment is due prior to the impact on cash flow planning. And income of the financial institution, which is reduced by the decrease in interest-bearing accounts with and may not be worth the cost to the financial institution, such as operating costs, so we have to compare that amount to savings of bearing down is more or less than the costs will occur.

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Why loan to buy a house for less than the price

Loans for housing are very important in helping people to have their own homes. However, the loan amount is too high, or loans to persons that are not available. Or there is not enough income to pay the debt. Considered to be detrimental to the financial institution that is a loan, and the debtor. If the debtor owed a debt, it may be prosecuted by law. And is the home to the land, or if the debtor to pay the financial institution may not have a problem with not enough money in circulation. To the lack of liquidity. And may spread to become a national economy that had happened in other countries, such as the Hamburger Crisis.

Therefore, financial institutions require borrowers to use their own money to buy the homes. The other hand, it is shown that such borrowers have the financial discipline. And the rest will be borrowed from financial institutions. The financial institution will usually set the credit limit does not exceed 80-90 percent of the value of the homes they want to buy. The loan-to-value limit is called collateral. loan-to-value ratio, or LTV itself.


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How long will pay by installments and time

For housing loans will be deferred for a period longer than other types of loans because of the large sum of money. But usually not more than 30 years.

Time required amount depends on the age of the borrowers as well. Which is very old and has many years to run less. Financial institutions may also shorten the repayment period. The pay per period than younger borrowers.

Prospective borrowers should obtain the estimate of the amount of each financial institution in order to get a rough estimate as to the obligation to pay for any period.


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Who can get some credit for housing. How much interest. What is the cost

Each institution will determine the eligibility of borrowers and interest rates vary according to the risk of individual borrowers. Business strategy and financial costs of such financial institution. The interest rate is usually fixed at the beginning. And a floating rate in the latter. The reference rate such as MLR, MRR, which may be removed or added as MLR-2% depending on the risk of the borrower is more important than is generally borrowers will have additional costs, such as survey cost and valuation of collateral, Mortgage collateral, Transfer fees.


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Credit from anyone. It offers a good choice

Major interest for housing loan is often used to determine whether to ask for a loan from any financial institution, it would be best. However, it is interest rates are other factors to consider, such as the expertise and quality of service. Expenses related conditions, including the payment of such amount to be paid in installments, each installment.

Financial institutions may have a condition known as a package for borrowers choose to study for it (do not be embarrassed to ask because it is our right to ask. Get a clear and accurate description) and financial information of each of these as well. And should take into account the uncertainty of the economy in the future. Before deciding to use the service the ability to pay and the needs of the most interest is on the way up or down. If a rise in interest and pay floating interest rate. May have to pay higher interest than necessary.

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Want to have their own home. But there is not enough money. How to do .....

Residential mortgage loans to finance the purchase or construction of residential land, buy land and build a house buy apartment buy a loan from another financial institution to redeem the residence of former financial institution. Interest because it is cheaper or better than the conditions. Also known as the refinance.

The housing may be buying the most expensive in the lives of many people. Those who would like to take credit for the information. Understand the conditions of the financial institutions and their own good. Before deciding how much to buy homes. Loan guarantee. And how much would ask. To avoid financial problems that may arise and lead to problems and suffering in the future.

The brief was to consider the calculation of debt to pay for their own. The total debt repayment such as a mortgage payment, vehicle, electronic payments and other each month should not exceed 1 in 3 of the monthly income. In order to have enough money to spend on what is necessary. Savings for use in retirement. And do not forget that there are activities that we do to make life miserable for the next holiday with family is said to have a modest income, but in order to be able to live in the fit. Not buckled too tightly or insolvent in the future.

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How to hire purchase or leasing

If we want to make a hire purchase or leasing agreement, we could do this.

1.Survey our readiness. That we can afford payment or not. Because of the hire purchase or leasing, we will owe. And if not paid well continually. Written notice to the landlord for payment. But if it is not paid. The lessor can seize it immediately

2.Prepared with evidence to include, copy census / copy identity card / copy register company and other document prescribed by the individual institution.

3.Contacting the financial institution. Or operators that hire purchase / leasing for credit.

4.Study agreement and conditions of payment. And examine the accuracy of the details of the contract carefully before you decide.

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Leasing

Similar to Hire Purchase, we will pay the rental amount and the period of time specified in the contract. Difference at the end of the lease. We can choose whether to buy or lease property that is returned to the lessor. Most people who contract this type of loan. Often a company or juristic persons who want to lease or rent an expensive assets such as machinery, vehicles or large items may be rental technology is changing rapidly, such as office computer. Photocopying etc.

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Hire Purchase

Similar to installment purchases. But unlike that Ownership of the property is not owned by us until payment is complete.

Is said to have a contract or agreement between us and the lease. That the installment payment amount and time given. Then we can with the goods or property. Use it before, but the title also of the lease. Until full payment of the contract to transfer ownership of the asset, such as a car leasing. Or motorcycles etc.

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What is Hire Purchase and Leasing

Financial management is to have some money in case of necessity. But if we do not have enough money to buy what we want. And there is no need to buy or use. Hire Purchase or Leasing we can use to get the product out before. That we do not own.

Hire Purchase or Leasing a loan, we have products such as cars, motorcycles, computers, machinery, etc. used in everyday life. Or to expand our business. That we do not own or have ownership of the product. And not have to pay a big chunk at once, but gradually, according to the funds available. I also do not have to worry about collateral. Or, in other words. This method is similar to that used for the hire product.


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How to if a bad credit history.

If you have a bad credit history. Are unpaid. Or should change the default.

Contact your financial institution debt. To repay the outstanding finish. If you have a lot of debt. Should negotiate with creditors to reduce debt. Or restructuring.

Began to build a new credit history. By discipline as well. Payments on time. No other event of default. Because of all the movement in your debt. Will be stored as your credit history.

Even a bad credit history can not be removed immediately. But do not give up. Because the new loan will replace history is not very gradual. More and more, until finally a bad credit history is missing from the database, and after three years it will take you back to those who have a good credit history again.

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To determine the ability to repay it.

Explore the ability to pay debts. Normally, the repayment of debt should not exceed 1/3 of their income each month as well.

If a loan has a monthly income 12000 to pay the debt by about 4000.

Check the old debt with new debt at will. That there is a lot or not. By the total amount of debt and the new debt per month to get together. Then see if there is more than 1 in 3 of the total monthly income or not.

For example, a loan to borrow 100,000 Payment Period nights 5 year repayment of debt (principal and interest) per month 1667 addition, borrowers with debt is to be paid per month is 1700, so when calculating the burden of debt. to pay up to 4000 per month to qualifying borrowers have the ability to repay debt.

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For more information. No history of bad debt. The loan does not pass

May have been several reasons such as
Lending policies of financial institutions or enterprises, each different.
Existing debt. And the ability to repay the loan.
Credit risk of the collateral for collateral / guarantee.
Chances of default, more or less.
Past history of debt repayment.
       
But no matter what the cause. Financial institution must explain the reason for the loan and get a loan in writing. The letter is to clarify the reasons for not giving credit. And to deliver to the credit note.


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Repayment of apply for credit

If take on loan is a good career to have a steady income or no insolvent. Have the ability to repay. The loan would not be a problem. If you have be unsteady career such as grocer take opportunity money of financing is still available. The loan amount is still less than. And may have to pay higher interest amount.

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Loan applications

Credit history and payment credit histories. Also known as credit bureau. By the financial institution to verify the information. Lending policies of each financial institutions such as invade SME market retail medium or large. As well as tools, Methods and procedures for consider credit vary in each institution.

External factors such as economic conditions at the time which may result in the occupation of the loan or condition.


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