让你的车发挥最大价值的3种方法

Did you know that your car can do more than just take you places? 它也可以bat365的财务状况. Here are three different strategies you can leverage to get the most out of your vehicle's worth.

传统的汽车再融资.

一个传统的 汽车再融资贷款 allows you to replace your existing loan with a new one that has better terms. All future payments will then go towards the new loan.

我将如何获益??

套现再融资贷款.

有了现金汽车再融资, you can withdraw cash from your car's value and use it for any purpose. 问题? 新贷款比你买车欠的还多. But the extra cash is yours to spend however you like.

直说吧. 这是个好主意吗?

如果你急需现金, a cash-out refinance loan can provide a financial cushion for unexpected costs, 比如医药费或房屋维修费. It also gives you a chance to work with a different lender who might offer better rates and terms that fit your budget. 如果你有其他债务, using a cash-out refinance loan to bundle them together could lower your overall interest payments and potentially shrink your monthly payments. (If you are looking for other options to consolidate your debt, consider a 债务合并贷款)

然而，也有缺点需要考虑. If you choose to add cash-out to your refinancing loan, you may need to extend your loan term to make the monthly payments affordable. Meaning it will take you longer to pay off your vehicle. 另外, cash-out auto refinancing does not always guarantee lower interest rates and smaller monthly payments. If you opt for a longer loan term to reduce your monthly payments, you may end up paying more for the vehicle in the long run.

汽车权益贷款.

An 汽车权益贷款 is like getting a second loan using your car's value as a backup. You have to pay back both your original car loan and this new loan, instead of replacing your existing loan (like cash-out refinancing).

再给我详细解释一下.

类似于 房屋净值贷款, an auto equity loan is a loan that is based on the value of your car. If your car is fully paid off, the loan could be up to the full market value of your car. If you still owe money on your loan, the equity is the car's value minus the remaining loan balance.

For example: If your car is worth $20,000 and you owe $5,000 on it, you have $15,000 in equity. 这是在这种情况下你能借到的最大值.

然而, the maximum loan amount you can borrow depends on the lender's policies. Some lenders allow you to borrow your entire equity, like the $15,000 in the previous example. 其他公司提供的贷款最高可达你净资产的125%, 哪个是18美元,这种情况下750美元(15美元),000 x 125%).

汽车 equity loans have advantages such as low interest rates due to the collateral nature of the loan. In some cases, they may be easier to get than unsecured loans and do not require homeownership. 然而, managing multiple loans and the risk of losing your car if you fail to make payments are important considerations. 另外, finding lenders for auto equity loans may be difficult as they are not widely available.

不要拥有你的车? Negotiate lease terms or consider a lease buyout loan.

If you're leasing a car, it's like paying a company to use their car. 当租期结束时，你有几个选择:

• 把车还回去，不要再租一辆.
• 把那辆车换一份新租约.
• 用现金买车.
• Use a loan to buy the car (this is called a lease buyout loan)
  
  

在租约到期之前， you'll find out how much you need to pay to buy the car. 这被称为残值. The dealer might suggest you get a lease buyout loan with them, 但你也可以从其他地方贷款, 比如bat365和信用合作社.

相关文章: The truth about 0% financing offered at dealerships

What should I expect when choosing a lease buyout loan?

当你买断租约的时候, 你成为了这辆车的主人, giving you the freedom to make modifications and drive without any mileage restrictions or overage fees. You can also sell the car at any time and use the funds to purchase a new vehicle. 这就消除了连续的租赁付款, freeing up money in your budget for other financial goals.

然而，你的月供可能会增加，因为 loan payments are usually more than lease payments. You might also lose some perks, like free maintenance and auto repairs.

最终, the decision to buy out your lease depends on your personal preferences and financial situation.

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