For certain people, the action of buying a car becomes a necessity, since in this regard, time savings can be favored in relation to moving from one place to another, when the city is not very congested. . Apart from the above, it also serves for healthy recreation in terms of vacations.
Buy a car
It is very practical and easy to think and decide to make the decision to buy a car. However, at the time of the disbursement that is made for the acquisition of the same, it is quite strong, more so when it is new.
In any case, it is good to point out that this does not mean that it is a cause for alarm and even more so if you have a savings and time plan of a previous nature, so you can purchase the vehicle that best suits the user's personal needs.
In this article, we will give some tips to be beneficial and helpful in terms of saving experts in relation to vehicles, and among these we can mention:
- As a first point, it will be necessary to keep in mind the sum or amount that is going to be paid moments before and after the purchase of the car itself.
Regarding the aforementioned, it should be clear that when we have the need to buy a car and we see it as the car of dreams, it is necessary to remember that not only will the monthly payment have to be paid, but also the procedures, the fuel and proper maintenance.
An example of this is when a vehicle is going to be acquired in a financed way, the down payment will have to be paid, it is usually twenty percent in terms of the cost of the entire unit, apart from the respective commission for opening and other contributions and payments, such as:
- The respective verification must be carried out every six months and the cost will be approximately five hundred and fifty pesos, however this may be variable according to the entity where we are located.
- Ownership and vehicle endorsement, as the case may be.
- Gasoline: the cost of the same on a monthly basis may be two thousand pesos or more, and will also vary in relation to the use that is given to the respective vehicle.
- Maintenance with an approximate value of three thousand five hundred pesos, the same will be carried out and will depend on the manufacturer's own manual.
- Parking: the price can be one thousand pesos per month.
- Incidental payments: regarding this, some accessories such as tires, battery, oil change, repairs, antifreeze, among many others, are referred to.
- Car insurance: the cost to cancel may be variable in relation to the different vehicles and the driver.
When you choose the coverage that is more complete, such as the Comprehensive, you can save more than forty percent if you use the tool that is designed to help you compare the details and coverage of insurance companies, such as es ., with this process everything becomes safe and free.
It should be considered when buy car, the monthly sum that is generated and it should not exceed half of what is generated by the buyer, this is because the generation of expenses that we have already mentioned above will have to be solved, and this will cause the money to be very fair when paying the monthly payment of said car and the payments already mentioned.
As an option to be able to see everything with more clarity and detail, it is the realization of a savings plan before and after the acquisition of a car.
A savings plan must be made
As a suggestion for users, they should make a list of all the expenses they have and in said list include expenses for entertainment, transportation and even those that could be minor. After that, the monthly profit will be considered and when placing the amount together, it will be necessary to review whether it is possible to save when buying a new or used car.
In the same way, it will be necessary to consider the way in which the unit is paid: in cash, by financing or leasing. Regarding these last two options, the one that most favors and grants less commissions and payment facilities should be compared among several agencies.
The leasing mode is a leasing alternative that grants help to have the possibility of having a car for a period of up to two years, and after that period, have the option of acquiring it or buying another. Likewise, most companies are in charge of processing the paperwork and some cancellations of contributions, as well as the insurance decision.
In case of any type of doubt or concern in the form of how to save for the car, we must take technology in our favor and make use of savings applications.
An example of this is the App-type application called Finerio, which provides help in calculating the savings capacity, establishing budgets and controlling finances, since it connects with the bank accounts themselves.
Therefore, it details the options for income and expenses in relation to: when buying clothes, it will be necessary to register in any category, and the App shows what you buy so that you do not have to go out of the budget.
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And when you want to know what the expenses should be, then you will have to know the calculator of the respective budgets and in this way achieve the best purchase of the desired vehicle.
The car should be chosen according to personal needs
Once the savings plan has been carried out, it will be possible to have an idea of the vehicle that is best suited to both personal and economic needs, according to the brand, model, because these have an impact on the raising or not the cost of the vehicle.
As an example, we can say that when you compare a car that does not generate as much gasoline expense and provide savings in terms of fuel payment or the choice of a hybrid or electric, however, they become more expensive.
In the same way, we will have to take into consideration the size of the family or the members, and the use that will be given to the vehicle and the equipment in relation to the safety of the vehicle must be taken into account.
If you already have more clarity about what you need from the car, you can make the choice more quickly and generate savings in a more conscious way at the time of making the purchase.
Once it is chosen, the date on which said vehicle is acquired will have to be considered, in relation to the dates, we proceed to determine some points of great importance in relation to said subject.
Ideal dates to buy a car
Discounts are offered at the end of the year called El Buen Fin, these discounts are offered by the manufacturers and they themselves offer these attractive discounts with the intention of acquiring a car, apart from that it is possible that the inventory of a certain agency has been updated, which is why the models that are lagging behind, will present attractive offers for their acquisition.
The above in the same way can be applied to the changes in the version of the cars, when you have information from the news of the automotive world and the new releases are perfectly known, you must be on the lookout for locating the possibilities of low price from old-generation cars to those about to hit the market.
At the end of each month, it will have to be taken into consideration that the sellers will be on the lookout for reaching the goal of the commissions, and in this regard they will make discounts in terms of the price of the vehicle models and with this there will be more opportunity to negotiate the minimum amount of the vehicle.
Similarly, it is said that sports cars are usually cheaper in the rainy or cold seasons, and family vehicles are usually more expensive in vacation times because families use them for trips.
However, we believe that this will support the quote in the different agencies or online, since there are platforms that help in the comparison between several cars. In the same way, on the pages of Internet classifieds, you can find people who want to sell their car, and it is worth noting that even if they are pre-owned, some of them may be in excellent condition.
Negotiate with the seller
If it is the case that a used car is chosen, it will be necessary to attend to observe the unit and carry out the respective driving test, when accompanied by expert personnel such as a mechanic, the decision will be made more safely. and confiable.
Once the exterior and interior of the car is checked, some faults can be observed, and if they are not so serious, it will be much easier to negotiate the cost or price.
Likewise, it will be necessary to verify that all the papers are in order, if any are missing, it will be appropriate to request a discount since this will be borne by the user himself, and this, apart from causing money to be lost, will mean that also waste time.
In case you have a car, a good option would be to sell it, and with this operation you can pay the down payment and the other expenses that the acquisition of a new vehicle entails. You just have to keep in mind that for said vehicle to be kept in optimal condition and in terms of compliance with safety advice such as selling in a public place and dealing with checks by all means.
In this way we have been able to see some tips for buying a car, and it is good that they are fully present when carrying out the operation of the vehicle, since with these tips the option of obtaining discounts can be generated, provided that you are duly advised by experts in the field.
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