查看完整版本: 在owner手里买车可不可以贷款呀？

在owner手里买车可不可以贷款呀？

那位知道怎么搞，多谢。

可以

找umass 信用社，staples后面那个

多谢，那是不是需要owner给我出据什么东西呀。正式的合同？

你就说要贷款买车就好了，银行应该不care你从哪儿买的

As long as you have the VIN number, the actual mileage, and an intend to sell, you can get a loan.  Try to use a credit union if you could, I helped my friend get a loan earlier this year for a 2001 Solara, I was able to get her 5% APR for a 5-yr loan.

A few tips before you get a loan:

1.  Get your credit score ($35 max expense)
2.  Try to use a credit union.  Best of all, before you ask for a loan, ask them to give you a rate sheet, so you know the rate you might get according to your credit score.
3.  Try to get a 5-yr loan, at 5% APR, you only pay 13% compound interest in the end.  But if you save the same amount of money at 3% APY, you get more interest in return.  So don't hurry to pay off your loan.
4.  If possible, setup a weekly-payment schedule with them instead of monthly, for the same interest rate, you save at least $100 over the entire term of loan.
5.  Do NOT, I repeat, DO NOT, go out and submit too many loan applications, this will drastically reduce your credit scores.  Each loan application would cost 10 points off your credit score.

6.  Even if you may get a higher interest rate, don't worry, try to refinance it in 12 months, you will be very likely subject for lower interest rate.  Just don't ever be late for any payments.

7.  Make sure you use auto payment, the certain state law requires banks provide additional 0.25% reduction on rates, even without such reduction, you save yourself from licking stamps and writing checks.

Capital One has Autoloan plans, no matter where you buy cars from.
Their APR is lower than the dealer or local banks.

[[i] 本帖最后由 Mindy 于 2007-7-3 09:49 AM 编辑 [/i]]

这个tip 很赞！

另外弱弱的问：是不是就算有现金，也最好贷款买车，积累信用记录，对以后买房什么的有好处是吧


[quote]原帖由 [i]tangent[/i] 于 2007-7-3 12:52 AM 发表
A few tips before you get a loan:

1.  Get your credit score ($35 max expense)
2.  Try to use a credit union.  Best of all, before you ask for a loan, ask them to give you a rate sheet, so you k ... [/quote]

Yes, you are very right.  This cannot be a better time for you do to this, because

1.  Saving interest rate is high compared to loan interest rate
2.  You can accumulate good credit score, which will be extremely helpful for larger purchase in the future such as houses.  Just think about, if you get a 30-yr loan of $300,000 for a house, at 6% you pay $1,800/mo, at 7% you pay $1,995, that's almost whooping $200 difference.  Your credit score will heavily influence your rate.  So even if you are subject for higher interest rate for auto loan, it is better than higher interest rate for mortgage.

After all, credit score is vital in the US, which is very different from China.  Get some loans, get up to 5 credit cards (every credit card would increase your score by about 10 points till the 5th), do not ever get any of those department store 12-mon no interest deals (sometimes they could shave 50 points off your score).

[quote]原帖由 [i]freei[/i] 于 2007-7-3 11:13 AM 发表
这个tip 很赞！

另外弱弱的问：是不是就算有现金，也最好贷款买车，积累信用记录，对以后买房什么的有好处是吧


[/quote]

多谢了，啥时候贷出来了，再回来写写