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发帖数: 2162 | 1 guangyi@mitbbs
这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
有用.(附件不支持文件,所以就粘贴在这里了)
我的买车经历总结在
http://www.mitbbs.com/article0/Automobile/32742903_0.html
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买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
车型）都是最好的时候。
买车的时候也要讲究策略：
1.告诉dealer，你要买到车in 24 hours。通常最好的offer也就24小时有效。dealer的
价格会变的。
2.告诉dealer，你有一系列的车子都在考虑之列（最好是可比的系列）。
3.到dealer的office，至少要带个文件夹，别两手空空带着一副挨宰像。封面上列出一
系列dealer的地址电话。当前谈的dealer排第一，一下dealer前面都标记上让dealer看
不懂的符号。装着不小心让dealer看到。dealer都搞过“行为学”的，呵呵。
4.一些车的具体参数要知道，就算知道也要问dealer是不是这个个是不是那个。让
dealer知道你了解车。
5.不要让dealer先给你选这个选哪个，要先谈价格，谈好了再选车颜色内装饰。如果过
于到没有的颜色和什么的，就说自己就喜欢这个，这时候再让朋友和老婆添油加醋，说
这个好。还是要和dealer回到价格上，没有自己喜欢的颜色或内饰等等，不减价就换个
dealer看看，不妨再说dealer本来看着你们这家挺大的，没想到什么都不全，很失望。
这个时候小dealer找manager去讨论，任何小dealer能做主的价格都是高价，你接受了
就挨宰了。如果一趟下来，小dealer说可以，两种情况：价格还有弹性，或者dealer看
你懂行给了不错的价格，不过通常都是第一种情况。如果manager直接来找你谈，说这
个是最好的价格了，基本上就是最好的价格了，至少这两天最好的就价格。
Ford has a $500 discount for college students and recent graduates. MostFord
dealers admit it. Don’t mention this at the beginning, though. After
cutting down the price already, talk about this discount.
低于invoice价格他们也赚,要敢于砍价
这封信强调了我只要OTD，不要跟我扯什么document fee, dealer fee new tag fee什
么的。我要true OTD
Destination Fee和advertising fees, dealer association fees, or docking and
storage fees。
do not negotiate finance, trades, etc. invoice(including tax/tag)-rebates(
dealer and factory) plus an oil change before delivery.
Tips:
dont be scared to walk away.
confidence is key.
dont drive the vehicle from the dealer you are buying from.
dont discuss credit, finance, interest rate, etc before you get invoice
pricing.
(these are buying signals, they will smell it like blood to a shark)
dont listen to your friends. everybody claims the got a good price. most
dont know what invoice is.
dont answer any questions during negotiating for invoice.
(you may give away a buying signal without knowing)
shopping during the latter part of the month can work to your adavntage.
(dealers have a projected sales in units they need to meet, so do banks.
they typically will work better deals at this time to make their month)
if you submit your email address to a dealers website let them know "not to
call you, not to negotiate, you will only accept invoice w/tax&tags, if they
do call you, you will not deal with their dealership, if the email you
anything other than invoice, you will not deal with their dealership" this
is the most effective way to negotiate, as oppose to in person.
they know if you negotiating this way you are a serious buyer.
they want you in the dealership so they plat the "game" with you. its set up
to work against you. like a casino the house always wins.
most dealers have the "negotiating" tables in the middle of the dealership
or open offices.
(this creates a "buying frenzy")
it helps to have your financing already done before you shop for the car.
我建议大家无论manufacturer有没有financial promotion，都去你自己的bank或者
Capital One，让他们quote一个loan rate。这个rate你或许用不到，但是至少知道如
果manufacturer没有或你不qualified他们的financial promotion时，你的loan rate
底线大约是多少。
你可以告诉sales M你会trade-in，但是在新车价格谈好之前，不谈旧车。
Volume Purchase Discount,dealer大规模买车的折扣,不会看到, 2%-5%
Dealer’s holdback。Holdback是指dealership在从manufacturer那里买车时，额外付
给manufacturer的一笔钱，有点像定金的意思。当dealer把这辆车卖掉以后，
manufacturer是会把这笔钱还给dealership。DIP中明确写明的：2% Holdback MSRP。
但是，他们故意隐瞒了另两个
holdback：PIO holdback和1% Finance Reserve MSRP，虽然这两项有时没有像2%
holdback那样写得清楚，但是它们的实质还是holdback。holdback有大约3.1%的 MSRP
，而且它不应被计入dealer的real cost。
manufacturer想为09款的车腾地方，所以给dealership的incentives会比较好,一般有
个$500 - $1,500，视这款车的冷热程度。bonus是根据当月销售量来决定的，如果
dealership无法完成sales target，他们的当月bonus就没有了。
Sales M有时会主动把他们的invoice price summary拿给你看，当然，如果他们不show
给你看，你就问他们要。
由于dealership知道你仅仅是要一个quote，并不一定是认真地想要到他们dealership
去买车，而且他们也担心你拿他们的quote要
求其他dealership去 beat，所以你从internet sales manager那里拿到的quote一般不
会是那个dealership能给的最好offer。
sales manager是站在salesman, fleet manager和floor manager之上的manager。他们
是你在谈判桌上所能遇到的最强劲对手之一
sales manager写下的必然是对他最有利的价格，首先，这个价格肯定不是OTD price；
其次，这个价格应该已经扣除rebate了。所以，首先你一定要问清楚这个数字是MSRP,
BIP还是OTD price，before rebate or after rebate；其次，当你评估这个价格时，
如果是after rebate的，那一定要把rebate加回去，然后和DIP作比较。
一辆车有三个options packages，一个是manufacturer options，一个是port options
，最后一个是dealer’s options。其实这三个options packages大都已经装到你车上
了，去掉的可能性不大，要做的就是最大程度上降低价格。前两个options packages的
invoice价格在Edmunds或Fighting Package里应该都能查到，但第三个optionspackage
由于和dealership之间的互相竞争有关，所以不同dealership的这个package不尽相同
，也给了dealership 很大的欺骗空间
sales managers那里你的focus是价格。所以，如果sales manager在那里强调options
本身而不是options价格，建议你及时打断他，
Buyer’s power after the deal。签字提车后你的power似乎一下子都没了。其实不然
，你还有一个强有力的武器，那就是customer satisfaction survey (CSS)。果在前面
negotiate的时候暗示他们你知道CSS，而且会给他们最高的rating，你应该可以获得
更好的leverage。(最高的rating意味着 good，其他的任何rating都意味着nothing。)
dealer第二个trick了. 让我把车很快开走. 学名, "spot delivery". 也就是说, 在
finance还未敲定之前先成交.
extended warranty 一般不要.dont buy ext. warranty at dealer.Many are online.
You always have time to buy later if you want.
去了后dealer把我晾在一边忙别的，它可能不知道这伎俩早就在bbs上被揭露了。我等
了10分钟，显示了我真想买车的诚意后，毫不犹豫的拔起屁股，打断他说既然你忙，我
们以后再约
千万不能让DEALER知道你着急买车,否则你就惨了,很难和他杀价了.
注意: 打印EMAIL做备份
.这时候千万注意不能电话里给DEALER信用卡号码交押金,一定要亲自过去签BUYER'S
ORDER! 否则你又要被坑了,尤其是DEPOSIT在他手里... 这个东西你不说DEALER不会主
动签的(黑啊!),一定要把新车的配置写清楚,然后拿信用卡交钱,给自己留DISPUTE的余
地,千万不能叫CASH...
一般的反应是大的dealer容易砍价些。另外砍价又一个小小的trick，比如ford对学生
有500的rebate,首先不要说出来，等到基本定下来时，再提出，这种rebate他们没法拒
绝的。
几点建议和忠告：
1、无论根salesman谈的多好，绝不能给他们一分钱。
2、不怕浪费时间，把所有的东西搞明白。
3、不要轻易签字。
Don't sign the contract BEFORE they put on all the numbers, and lied about
hidden fees.
let them give you a checklist of all fees for a grand totoal, and tell them
in advance that's it, not a cent more.
dealer主要赚钱是靠各种option和package。只卖Base的车基本没有利润。
你应该先写好出门价的支票，空着签名。 最后关头把支票往桌子上一拍： 你们丫的卖
三大点
1. 300马300牛以下不买，SUV再加50；0-60麦弱于7秒不买；
2. 任何速度段，油门踩下反应迟滞的不买；
3. 高速过弯的抓地不牢，外甩感强烈的不买
三小点：
1. 车座开长途不舒服不买
2. 视线不好的不买
3. 刹车太敏感或者太迟钝不买
DO NOT let Dealer "A" locate your new car from Dealer "B"... Don't do it!
Your Proactive Steps To Saving Money When Buying A New Car
1) Create a budget, obtain your credit report, get your car financing in
order.
2) Use car buying sites for new car dealer invoice price, new car price
quotes.
3) Get financing online before you go to the dealership with Up2Drive.
4) Visit new car dealers or their web sites to view new car model
configurations.
5) Use new car pricing info from FightingChance.com and our new car offer
spreadsheet.
6) Negotiate your new car purchase via phone, fax, email, or in person based
on our spreadsheet.
7) Close on your new car purchase, avoid needless extras, use the internet
to buy an extended warranty.
8) Wreck your new car on the way home, Go back to step 1.
You need at least 3 new car purchase quotes to have negotiating strength
Don't give them your Drivers License or Social Security number!
Many new car dealers photocopy your license before a test drive. Tell them
there is no reason to. (租车一周也不用)
Make copies of your license and when they ask for your license, hand them
the copy, get it back when you leave. Write on the copy the dealer may NOT
run a credit check on you. Remind them the FTC fines $2500 for unauthorized
credit checks.
"Power Seats" does not mean both seats, the passenger seat is manual.
Don't Buy a car without an MSRP window sticker (sticker上面有option)
***Glossary Of Fees you may see at a new car dealership:***
"ADM" or "ADP" Charges (Additional Dealer Markup) 不接受
Advertising Fees (很多缩写结尾是a的都是)努力去掉,我还帮他们品牌做广告呢!
Dealer Prep 坚决去掉
Destination Charge 合理,网上下查下价格
Documentation Fees:
Expenses like registration, tags, title, and other state fees. Determine
the fees your state charges before you go shopping. Call the Department of
Motor Vehicles to determine the cost of registering a new car, and getting
the tags if necessary. It may be cheaper to transfer the tag from your old
car to the new one.
Drive off Deposit 坚决拒绝
Window VIN# Etching Fee 自己做只要20
It also lists destination charge, holdback and dealer flooring assistance.
But the dealer gets the holdback and floor plan back from the factory after
they sell the car, so have them remove it.
Your Offer: 5% Over Dealer's Actual Cost. Once they accept your offer, add
destination charge, taxes, and other fees on top. DO NOT include destination
charges in your calculation of 5% over dealer cost offer. You don't want to
give them 5% profit of a fee! Add the destination charge after you
calculate 5% over the dealer's cost.
Dealer's Actual Cost = ( Invoice Price - Factory To Dealer Incentives -
Factory Holdback)
Don't believe the "invoice" the dealer tears off the printer it's no invoice
. The invoice is a copy of the actual invoice with the car maker's logo on
it and the dealer's address for delivery. Don't confuse the "invoice" with
the white MSRP window sticker! invoice打印的不算!!!
Tell them you are not trading in your car then negotiate a selling price for
the new car. Now they have no "shells" to use in the cash flow shell game.
After they agree on the new car selling price, tell them you want to trade
in and how much you want. They will either accept it or not, but at least
you'll know how low they will really go on the selling price of the new car.
In most states there is a tax advantage to trade-ins. You pay sales tax on
the difference between the cost of the new car and the trade-in
给出报价后Every time the salesman disappears to review an offer with the
sales manager, inform them they just ate up 10 minutes. If you can't
convince them in a half hour, you'll never convince them,
Go in near the end of relaxing day for you, and a tiresome day for them
如果salesman老是换,当心,半小时搞定deal,否则走人
You may want to have the rebate mailed directly to you so you know you got
it. 有的rebate"Subject to approval" or "with approved credit"
Never give a deposit until you and the Sales Manager have signed the buyers
agreement!!! The only person that should be asking for a check is the
finance manager in the finance office, after you have agreed in writing on a
purchase price.
If the salesman leaves you alone in the office, don't discuss anything! 可能
窃听
Do I really need to get an extended warranty?要买也不在dealer这里买,直接买.
carbuytips第六章有链接文章.买的话要both wear & tear and mechanical breakdown
, all in one extended warranty contract.
subject to loan approval不接受,他们会事后提高你的apr
Never take the car the same day you sign if you finance at the dealer. It's
tempting, they give you the keys, but don't take them. You'll be back for
the car when the deal is final. Tell them to call you when they get the
coupon book, and you'll come for the car at that time.
Don't buy the rust proofing from the dealer.
Don't buy the Fabric Protection!
Don't buy the paint protection!
Don't even THINK about buying the car alarm from the dealer!Is it wired to
the trunk, sunroof hood and all 4 doors?
Remote ignition start is not recommended for manual transmissions!
If you can handle $600, Lojack can be worth it.偷了以后警察能找到
Don't buy Credit Life insurance at the dealer!
You may want to purchase gap insurance if you don't put down 20%. Put down
as much as you can, for as short a loan term as you can afford.第一年都在付
interest,没有累计 equity
Fill out a list of all defects you spot on the new car BEFORE you leave the
dealership. Make sure the business manager is with you when you fill out the
form, and signs it. Don't sign the buyer's order until this is completed.
签约是车型好要一致,ES, LS, LX, EX, SC, GS之类
稍后取车的话vin和mileage在contract上要记下来
Make sure there are no blank spaces on the contract. If there are, make sure
they write in a $0 or N/A.
Don't let them charge a dealer prep. Many dealers tack on a $200-$600 dealer
prep.
Verify before you buy what your state fees are for tags and title.
Don't buy a car if it has no MSRP sticker.
Customer Satisfaction Surveys: Don't give it to them, mail it directly to
the company
Your Proactive Steps To saving Money On A New CarTM
1) Create a budget, obtain your credit report, get your financing in order.
2) Use free internet sites to determine dealer cost and price your trade-in.
3) Visit dealers to check configuration and pricing of your car.
4) Take the info home, continue researching to determine the dealer's cost.
5) Go to the dealer to negotiate your offer.
6) Close the deal, avoid needless extras, use the internet to buy an
extended warranty.
7) Wreck your new car on the way home, Go back to step 1.
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需求
买pre owned 合算的是bmw之类的车
side airbag
fuel efficiency???
cruise control
ABS
Road Side Service
4wd 在雨天大雪好, 但是有人说boston fwd+血胎也可以了
power window, power seat
tint window
mp3 interface
后排空调/调节
fog light
引擎马力 house power
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术语
Target Price=(MSRP - rebate or Sale price - Low ball offer)/2 + low ball
offer
TTL: tax, title, licence
MSRP – Manufacturer Suggested Retail Price
Dealer’s Invoice Price (DIP) – 这个价格是dealer从manufacturer那里提车的价
格。
Buyer’s Invoice Price (BIP) – 你这辆车最后的买价，但是不包括destination
fee, TTL和一些零星收费
OTD Price – Out the Door Price，俗称Drive-Out Price或出门价。这是最终你要为
这辆车所支付的所有费用，包括destination fee, TTL和一些零星收费，比如
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网站
edmunds.com. 可以查基本rebagte,上面的forum非常有帮助，很多人都在那儿贴自己买
车的bargain经过和最后拿到手的价格
carsdirect 查本地的价格估计及折扣或优惠信息
kbb
cars.com
auto.com
truecar.com
carbuyingtips.com１３章从头看到尾。这个网站的右上角有个Jeff's $avOmeter 的链
接，点进去可以看到别人和dealer侃价后的最终价格，一般都很低，可以作为参考。该
网站列出的仅是车价，不含其他费用
Autotrader.com ３００里以内的的新旧车都翻出来，感觉一下折旧的速度
http://www.hwysafety.org/crash/ctve.htm (Car crash tests and Vehicle evaluations)
internet quote：我是通过cars.com, edmunds.com,cartrader.com给dealer发email问
价。
costco 的auto service!!!有costco menbership的朋友，可以试试通过costco的auto
service买车，我的一个
朋友也时通过costco买到了便宜的车。
car quotes: Yahoo!Autos, Cars.com, InvoiceDealers, Edmunds.com, MyRide.com
and CarsDirect. Get quotes now from all of them and compare.
1）Chance of rollover
可以在下面网站查到：
http://www.safercar.gov/
我个人觉得17%以下才好。
2）Strength-to-weight ratio
这是车顶的静态强度，
至少要大于2.5
http://www.iihs.org/ratings/roof/detailsbyclass.aspx?58
3)www.informedforlife.org
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Financial Calculation
算monthly payment应该不用多说，各个网站都有，自己做做research吧。实再想偷懒
的，这里有个公式可以在excel里用。假设车子的贷款是$30,000，dealer给的利率是0.
0%，36个月付清。那么每月的payment应该是pmt(rate/12,number of period, present
value)，在excel单元格里表达式为：=pmt(0.0/12,36,30000)，这里的present value
(PV) 其实是你的贷款总额，计算出的结果是$833.33。
假设现在的CD银行存款利率是3% APR，你的real cost的表达式为：=pv(0.03/12,36,
833.33)，计算结果是$28,655。这个相当于你现在以当前银行CD存款利率往银行里存入
$28,655，你在今后每个月从这笔钱里提出$833.33，一共提36次，正好在最后一次把所
有贷款还完。这意味着，虽然你只从 dealership那里贷了$30,000，但由于存款利率的
原因，你事实上从利率差值里获利$1,345。当银行存款利率越低，你获利越少，所以当
你仅仅把钱存入checking而且用这笔钱支付月贷，你几乎没有从利率差值里获利。
假设同样的case，buyer take $1,500 rebate and 5.4% APR，贷款额降至$28,500。那
么：=pmt(0.054/12,36,28500)=$859.30。以银行CD存款利率是3% APR计算，你的real
cost等于：=pv(0.03/12,36,859.3)=$29,548
比较两种优惠的PV差发现，0.0% APR的real cost是$28,655，而$1,500 rebate+5.4%
APR的real cost是$29,548，后者的cost明显高于前者。所以如果你能方便地在市场上
找到3% APR的存款，你应该选择0.0% APR，把$28,655放入银行存为CD， (除非你有更
好的投资方向) 然后每月从中提取相应数量还贷。
***
假设你贷款总额(Amount Financed)是L(等于付给dealer的总
数减去你自己出的Down Payment);年利率是apr;准备y年付清
折算的月利率mpr=apr/12; 日利率dpr=apr/365
银行贷给你的总额L折算到y年后的价值应该是L*(1+apr)**y
但银行想吃你豆腐非要按日算利息，所以折算后的价值就成了
L*(1+dpr)**(y*365)
假设你的monthly payment是M,那么第n个月的M折算到y年后的
价值
Mn=M*(1+mpr)**(y*12-n); n=1,2,3,......,y*12
SIGMA(Mn)=M1+M2+......+M(y*12)
=M*[(1+mpr)**(y*12)-1]/mpr
SIGMA(Mn)应等于L*(1+dpr)**(y*365)
==> M = L*mpr*(1+dpr)**(y*365)/[(1+mpr)**(y*12)-1]
如果是36个月, 8%apr的话, M=L*3.136%。这样3年你总共
多付了3.136%*36-1=12.9%
***
先贷款，然后转到0%APR的信用卡，慢慢还 （要注意没有提前还贷的惩罚）
***
apply finance online e.g. capitalone, eloan, you can get much lower than
dealer(unless factory low APR, otherwise <4% is good), e.g. Up2Drive (not
available to first time car buyers.)
先到银行拿pre-approval
***
http://www.capitalone.com/autoloans/help-center/tools/monthly-p
google autoloan calculator
You don't need an appraisal to refinance your car loan (买房要). Most
lenders will not refinance their own auto loans. So if you plan to refinance
your auto loan, you will need to look for a lender other than your current
lender.
If you finance at the dealer, NEVER take delivery of the car until you have
the payment coupon book. This way they can't call you up a week later and
say you did not get the financing, and jack up your payments
Never sign up to a car loan longer than 48 months.36 is ideal
1.9% 36month or 2.9 60 month
penFed 2.49% 60 month
************************************************************
fax sample 1: (It was used for Hyundai and is similar to the one sent to
Passat.)
Dear Fleet Sales Manager,
I am prepared to purchase a 2007 Hyundai Sonata Limited Sedan, with the
details listed below:
? Trim Level: 07 Limited
? Options: Not necessary. But if you only have cars with ultimate Package,
please quote it.
? Exterior Color: The best will be Golden Beige or Silver.
? Interior Color: The best will be Beige leather.
If you have a 2006 Sonata LX available with a great price that you would
recommend, please quote it separately.
I am faxing this notice to several dealers in the area in the interest of
arriving quickly at a fair price, and would like to conclude the matter
within a week.
I look forward to seeing your complete quote for the car listed above;
please send it as soon as possible by fax at xxx-xxxx. Please include these
information if available:
? Invoice price
? +TTL and other fees (I need a new MI plate)
? -Available rebates
? Total Out of The Door price
? The color, options, and miles on the car.
I will be happy to do business immediately with whichever dealer gives me
the best price. I am prepared to use finance the car either through you or
my credit union.
Thank you very much. I look forward to a quick and painless sale!
Sincerely,
xxxxxx
8/20/2006
Fax: xxx-xxxxxxx
******************************************
先说一下本人的经历，去年6月来美，7月申请第一张secured credit card， 一年下来
到现在有
Amex costoco ， citi AA 共3张信用卡 ，信用分733（http://www.creditkarma.com/）
首先，三个信用局的分不一定一样，但是基本上差不多.
下面说说我如何了解、跟踪和改进其个人信用积分信用分的，都是免费的网站，绝对
free， 也不是free trial
1, http://www.creditkarma.com/
credit karma 是个完全免费的信用分查询网站，你甚至都可以每天查询自己的信用分
， 当然是 soft pull， 不会影响你的信用分的。
credit karma 从TransUnion pull 你的信用分
2， https://www.credit.com
每个月可以查询一下自己的信用报告，不是具体的分数， 是ABCD的分档，和对应的分
数范围，有信用报告。
3， https://www.quizzle.com/
每6个月可以查询一次， 有信用分和对应的credit grade， 详细的信用报告
4， https://www.annualcreditreport.com/cra/index.jsp
美国法律规定每个人每年可以向以上三家信用记录公司的每一家免费索取一份你的信用
记录（不包括信用分数和等级，
这两项需要另外交费）。因为一年只能要一次，所以所要时要讲技巧。因为这三家公司
的记录都是差不多的，所以你不用一次把
三家的都要来，而是分成每四个月要一家的，这样你常常都在监督你的信用记录。比如
，如果你这个月一下把三家的记录都要了，
那你得等到明年的三月分才能再一分免费的记录。但是如果你三月份向Equifax要一份
记录，到七月份再向Experian要一份，
最后十月份再向Transunion要一份，这样一年都包括了。
我都是在calendar 上设置全年的credit score 提醒，定时pull 信用分，
这样一年中你可以从https://www.annualcreditreport.com/cra/index.jsp 拿到3分报
告，
从https://www.quizzle.com/ 拿到2份， 从https://www.credit.com拿到12份，
（http://www.creditkarma.com/ 每天都可以访问）.
希望对大家有所帮助。
*****************************************************
"The Folder": What you must have in it when you visit a new car dealer.
Your Credit Report. The 3-in-1 Credit Report & FREE Credit Score is the
most thorough you can get.
New car purchase quotes from Yahoo!Autos, Cars.com, InvoiceDealers,
Edmunds.com, MyRide.com and CarsDirect.
Accurate new car invoice pricing data, rebates, tips, incentives from
FightingChance.com.
Car Loan Pre-approval from your credit union, or apply online at
Up2Drive.
Laptop PC or PDA with our free loan spreadsheets.
Insurance quote from your agent or internet sites for the coverage you
want on your vehicle.
Used car Blue Book trade-in value, and market value.
Extended Warranty Quotes from online sites to compare to the dealer's
quote. The dealer is usually pricier for lesser "Mechanical Breakdown"
warranty. Better extended warranties such as CARCHEX and Warranty Direct
have much better "Wear & Tear" warranties, that cover more than the dealer's
warranty.
| N******o
发帖数: 3053 | | r****r
发帖数: 159 | | l*******e
发帖数: 3584 | 4 牛贴呀，COPY下来慢慢看，
周末的时候他们一定是COPY了的我驾照了，
看明白了告他们去。 | I******t
发帖数: 1619 | | l******t
发帖数: 2243 | 6 mark
发信人: guangyi ( 光一), 信区: Automobile
标 题: 发个我总结的买新车技巧
关键字: 买车,技巧,贷款,信用分数
发信站: BBS 未名空间站 (Mon Aug 15 17:55:50 2011, 美东)
guangyi@mitbbs
这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
有用.(附件不支持文件,所以就粘贴在这里了)
我的买车经历总结在
http://www.mitbbs.com/article0/Automobile/32742903_0.html
**********************************************************************
这个时候买车不是个好时候，8-9月份（当年的车型）以及12月31号（当年或下一年的
车型）都是最好的时候。
买车的时候也要讲究策略：
1.告诉dealer，你要买到车in 24 hours。通常最好的offer也就24小时有效。dealer的
价格会变的。
2.告诉dealer，你有一系列的车子都在考虑之列（最好是可比的系列）。
3.到dealer的office，至少要带个文件夹，别两手空空带着一副挨宰像。封面上列出一
系列dealer的地址电话。当前谈的dealer排第一，一下dealer前面都标记上让dealer看
不懂的符号。装着不小心让dealer看到。dealer都搞过“行为学”的，呵呵。
4.一些车的具体参数要知道，就算知道也要问dealer是不是这个个是不是那个。让
dealer知道你了解车。
5.不要让dealer先给你选这个选哪个，要先谈价格，谈好了再选车颜色内装饰。如果过
于到没有的颜色和什么的，就说自己就喜欢这个，这时候再让朋友和老婆添油加醋，说
这个好。还是要和dealer回到价格上，没有自己喜欢的颜色或内饰等等，不减价就换个
dealer看看，不妨再说dealer本来看着你们这家挺大的，没想到什么都不全，很失望。
这个时候小dealer找manager去讨论，任何小dealer能做主的价格都是高价，你接受了
就挨宰了。如果一趟下来，小dealer说可以，两种情况：价格还有弹性，或者dealer看
你懂行给了不错的价格，不过通常都是第一种情况。如果manager直接来找你谈，说这
个是最好的价格了，基本上就是最好的价格了，至少这两天最好的就价格。
Ford has a $500 discount for college students and recent graduates. MostFord
dealers admit it. Don’t mention this at the beginning, though. After
cutting down the price already, talk about this discount.
低于invoice价格他们也赚,要敢于砍价
这封信强调了我只要OTD，不要跟我扯什么document fee, dealer fee new tag fee什
么的。我要true OTD
Destination Fee和advertising fees, dealer association fees, or docking and
storage fees。
do not negotiate finance, trades, etc. invoice(including tax/tag)-rebates(
dealer and factory) plus an oil change before delivery.
Tips:
dont be scared to walk away.
confidence is key.
dont drive the vehicle from the dealer you are buying from.
dont discuss credit, finance, interest rate, etc before you get invoice
pricing.
(these are buying signals, they will smell it like blood to a shark)
dont listen to your friends. everybody claims the got a good price. most
dont know what invoice is.
dont answer any questions during negotiating for invoice.
(you may give away a buying signal without knowing)
shopping during the latter part of the month can work to your adavntage.
(dealers have a projected sales in units they need to meet, so do banks.
they typically will work better deals at this time to make their month)
if you submit your email address to a dealers website let them know "not to
call you, not to negotiate, you will only accept invoice w/tax&tags, if they
do call you, you will not deal with their dealership, if the email you
anything other than invoice, you will not deal with their dealership" this
is the most effective way to negotiate, as oppose to in person.
they know if you negotiating this way you are a serious buyer.
they want you in the dealership so they plat the "game" with you. its set up
to work against you. like a casino the house always wins.
most dealers have the "negotiating" tables in the middle of the dealership
or open offices.
(this creates a "buying frenzy")
it helps to have your financing already done before you shop for the car.
我建议大家无论manufacturer有没有financial promotion，都去你自己的bank或者
Capital One，让他们quote一个loan rate。这个rate你或许用不到，但是至少知道如
果manufacturer没有或你不qualified他们的financial promotion时，你的loan rate
底线大约是多少。
你可以告诉sales M你会trade-in，但是在新车价格谈好之前，不谈旧车。
Volume Purchase Discount,dealer大规模买车的折扣,不会看到, 2%-5%
Dealer’s holdback。Holdback是指dealership在从manufacturer那里买车时，额外付
给manufacturer的一笔钱，有点像定金的意思。当dealer把这辆车卖掉以后，
manufacturer是会把这笔钱还给dealership。DIP中明确写明的：2% Holdback MSRP。
但是，他们故意隐瞒了另两个
holdback：PIO holdback和1% Finance Reserve MSRP，虽然这两项有时没有像2%
holdback那样写得清楚，但是它们的实质还是holdback。holdback有大约3.1%的 MSRP
，而且它不应被计入dealer的real cost。
manufacturer想为09款的车腾地方，所以给dealership的incentives会比较好,一般有
个$500 - $1,500，视这款车的冷热程度。bonus是根据当月销售量来决定的，如果
dealership无法完成sales target，他们的当月bonus就没有了。
Sales M有时会主动把他们的invoice price summary拿给你看，当然，如果他们不show
给你看，你就问他们要。
由于dealership知道你仅仅是要一个quote，并不一定是认真地想要到他们dealership
去买车，而且他们也担心你拿他们的quote要
求其他dealership去 beat，所以你从internet sales manager那里拿到的quote一般不
会是那个dealership能给的最好offer。
sales manager是站在salesman, fleet manager和floor manager之上的manager。他们
是你在谈判桌上所能遇到的最强劲对手之一
sales manager写下的必然是对他最有利的价格，首先，这个价格肯定不是OTD price；
其次，这个价格应该已经扣除rebate了。所以，首先你一定要问清楚这个数字是MSRP,
BIP还是OTD price，before rebate or after rebate；其次，当你评估这个价格时，
如果是after rebate的，那一定要把rebate加回去，然后和DIP作比较。
一辆车有三个options packages，一个是manufacturer options，一个是port options
，最后一个是dealer’s options。其实这三个options packages大都已经装到你车上
了，去掉的可能性不大，要做的就是最大程度上降低价格。前两个options packages的
invoice价格在Edmunds或Fighting Package里应该都能查到，但第三个optionspackage
由于和dealership之间的互相竞争有关，所以不同dealership的这个package不尽相同
，也给了dealership 很大的欺骗空间
sales managers那里你的focus是价格。所以，如果sales manager在那里强调options
本身而不是options价格，建议你及时打断他，
Buyer’s power after the deal。签字提车后你的power似乎一下子都没了。其实不然
，你还有一个强有力的武器，那就是customer satisfaction survey (CSS)。果在前面
negotiate的时候暗示他们你知道CSS，而且会给他们最高的rating，你应该可以获得
更好的leverage。(最高的rating意味着 good，其他的任何rating都意味着nothing。)
dealer第二个trick了. 让我把车很快开走. 学名, "spot delivery". 也就是说, 在
finance还未敲定之前先成交.
extended warranty 一般不要.dont buy ext. warranty at dealer.Many are online.
You always have time to buy later if you want.
去了后dealer把我晾在一边忙别的，它可能不知道这伎俩早就在bbs上被揭露了。我等
了10分钟，显示了我真想买车的诚意后，毫不犹豫的拔起屁股，打断他说既然你忙，我
们以后再约
千万不能让DEALER知道你着急买车,否则你就惨了,很难和他杀价了.
注意: 打印EMAIL做备份
.这时候千万注意不能电话里给DEALER信用卡号码交押金,一定要亲自过去签BUYER'S
ORDER! 否则你又要被坑了,尤其是DEPOSIT在他手里... 这个东西你不说DEALER不会主
动签的(黑啊!),一定要把新车的配置写清楚,然后拿信用卡交钱,给自己留DISPUTE的余
地,千万不能叫CASH...
一般的反应是大的dealer容易砍价些。另外砍价又一个小小的trick，比如ford对学生
有500的rebate,首先不要说出来，等到基本定下来时，再提出，这种rebate他们没法拒
绝的。
几点建议和忠告：
1、无论根salesman谈的多好，绝不能给他们一分钱。
2、不怕浪费时间，把所有的东西搞明白。
3、不要轻易签字。
Don't sign the contract BEFORE they put on all the numbers, and lied about
hidden fees.
let them give you a checklist of all fees for a grand totoal, and tell them
in advance that's it, not a cent more.
dealer主要赚钱是靠各种option和package。只卖Base的车基本没有利润。
你应该先写好出门价的支票，空着签名。 最后关头把支票往桌子上一拍： 你们丫的卖
三大点
1. 300马300牛以下不买，SUV再加50；0-60麦弱于7秒不买；
2. 任何速度段，油门踩下反应迟滞的不买；
3. 高速过弯的抓地不牢，外甩感强烈的不买
三小点：
1. 车座开长途不舒服不买
2. 视线不好的不买
3. 刹车太敏感或者太迟钝不买
DO NOT let Dealer "A" locate your new car from Dealer "B"... Don't do it!
Your Proactive Steps To Saving Money When Buying A New Car
1) Create a budget, obtain your credit report, get your car financing in
order.
2) Use car buying sites for new car dealer invoice price, new car price
quotes.
3) Get financing online before you go to the dealership with Up2Drive.
4) Visit new car dealers or their web sites to view new car model
configurations.
5) Use new car pricing info from FightingChance.com and our new car offer
spreadsheet.
6) Negotiate your new car purchase via phone, fax, email, or in person based
on our spreadsheet.
7) Close on your new car purchase, avoid needless extras, use the internet
to buy an extended warranty.
8) Wreck your new car on the way home, Go back to step 1.
You need at least 3 new car purchase quotes to have negotiating strength
Don't give them your Drivers License or Social Security number!
Many new car dealers photocopy your license before a test drive. Tell them
there is no reason to. (租车一周也不用)
Make copies of your license and when they ask for your license, hand them
the copy, get it back when you leave. Write on the copy the dealer may NOT
run a credit check on you. Remind them the FTC fines $2500 for unauthorized
credit checks.
"Power Seats" does not mean both seats, the passenger seat is manual.
Don't Buy a car without an MSRP window sticker (sticker上面有option)
***Glossary Of Fees you may see at a new car dealership:***
"ADM" or "ADP" Charges (Additional Dealer Markup) 不接受
Advertising Fees (很多缩写结尾是a的都是)努力去掉,我还帮他们品牌做广告呢!
Dealer Prep 坚决去掉
Destination Charge 合理,网上下查下价格
Documentation Fees:
Expenses like registration, tags, title, and other state fees. Determine
the fees your state charges before you go shopping. Call the Department of
Motor Vehicles to determine the cost of registering a new car, and getting
the tags if necessary. It may be cheaper to transfer the tag from your old
car to the new one.
Drive off Deposit 坚决拒绝
Window VIN# Etching Fee 自己做只要20
It also lists destination charge, holdback and dealer flooring assistance.
But the dealer gets the holdback and floor plan back from the factory after
they sell the car, so have them remove it.
Your Offer: 5% Over Dealer's Actual Cost. Once they accept your offer, add
destination charge, taxes, and other fees on top. DO NOT include destination
charges in your calculation of 5% over dealer cost offer. You don't want to
give them 5% profit of a fee! Add the destination charge after you
calculate 5% over the dealer's cost.
Dealer's Actual Cost = ( Invoice Price - Factory To Dealer Incentives -
Factory Holdback)
Don't believe the "invoice" the dealer tears off the printer it's no invoice
. The invoice is a copy of the actual invoice with the car maker's logo on
it and the dealer's address for delivery. Don't confuse the "invoice" with
the white MSRP window sticker! invoice打印的不算!!!
Tell them you are not trading in your car then negotiate a selling price for
the new car. Now they have no "shells" to use in the cash flow shell game.
After they agree on the new car selling price, tell them you want to trade
in and how much you want. They will either accept it or not, but at least
you'll know how low they will really go on the selling price of the new car.
In most states there is a tax advantage to trade-ins. You pay sales tax on
the difference between the cost of the new car and the trade-in
给出报价后Every time the salesman disappears to review an offer with the
sales manager, inform them they just ate up 10 minutes. If you can't
convince them in a half hour, you'll never convince them,
Go in near the end of relaxing day for you, and a tiresome day for them
如果salesman老是换,当心,半小时搞定deal,否则走人
You may want to have the rebate mailed directly to you so you know you got
it. 有的rebate"Subject to approval" or "with approved credit"
Never give a deposit until you and the Sales Manager have signed the buyers
agreement!!! The only person that should be asking for a check is the
finance manager in the finance office, after you have agreed in writing on a
purchase price.
If the salesman leaves you alone in the office, don't discuss anything! 可能
窃听
Do I really need to get an extended warranty?要买也不在dealer这里买,直接买.
carbuytips第六章有链接文章.买的话要both wear & tear and mechanical breakdown
, all in one extended warranty contract.
subject to loan approval不接受,他们会事后提高你的apr
Never take the car the same day you sign if you finance at the dealer. It's
tempting, they give you the keys, but don't take them. You'll be back for
the car when the deal is final. Tell them to call you when they get the
coupon book, and you'll come for the car at that time.
Don't buy the rust proofing from the dealer.
Don't buy the Fabric Protection!
Don't buy the paint protection!
Don't even THINK about buying the car alarm from the dealer!Is it wired to
the trunk, sunroof hood and all 4 doors?
Remote ignition start is not recommended for manual transmissions!
If you can handle $600, Lojack can be worth it.偷了以后警察能找到
Don't buy Credit Life insurance at the dealer!
You may want to purchase gap insurance if you don't put down 20%. Put down
as much as you can, for as short a loan term as you can afford.第一年都在付
interest,没有累计 equity
Fill out a list of all defects you spot on the new car BEFORE you leave the
dealership. Make sure the business manager is with you when you fill out the
form, and signs it. Don't sign the buyer's order until this is completed.
签约是车型好要一致,ES, LS, LX, EX, SC, GS之类
稍后取车的话vin和mileage在contract上要记下来
Make sure there are no blank spaces on the contract. If there are, make sure
they write in a $0 or N/A.
Don't let them charge a dealer prep. Many dealers tack on a $200-$600 dealer
prep.
Verify before you buy what your state fees are for tags and title.
Don't buy a car if it has no MSRP sticker.
Customer Satisfaction Surveys: Don't give it to them, mail it directly to
the company
Your Proactive Steps To saving Money On A New CarTM
1) Create a budget, obtain your credit report, get your financing in order.
2) Use free internet sites to determine dealer cost and price your trade-in.
3) Visit dealers to check configuration and pricing of your car.
4) Take the info home, continue researching to determine the dealer's cost.
5) Go to the dealer to negotiate your offer.
6) Close the deal, avoid needless extras, use the internet to buy an
extended warranty.
7) Wreck your new car on the way home, Go back to step 1.
**************************************
需求
买pre owned 合算的是bmw之类的车
side airbag
fuel efficiency???
cruise control
ABS
Road Side Service
4wd 在雨天大雪好, 但是有人说boston fwd+血胎也可以了
power window, power seat
tint window
mp3 interface
后排空调/调节
fog light
引擎马力 house power
*******************************************
术语
Target Price=(MSRP - rebate or Sale price - Low ball offer)/2 + low ball
offer
TTL: tax, title, licence
MSRP – Manufacturer Suggested Retail Price
Dealer’s Invoice Price (DIP) – 这个价格是dealer从manufacturer那里提车的价
格。
Buyer’s Invoice Price (BIP) – 你这辆车最后的买价，但是不包括destination
fee, TTL和一些零星收费
OTD Price – Out the Door Price，俗称Drive-Out Price或出门价。这是最终你要为
这辆车所支付的所有费用，包括destination fee, TTL和一些零星收费，比如
****************************************
网站
edmunds.com. 可以查基本rebagte,上面的forum非常有帮助，很多人都在那儿贴自己买
车的bargain经过和最后拿到手的价格
carsdirect 查本地的价格估计及折扣或优惠信息
kbb
cars.com
auto.com
truecar.com
carbuyingtips.com１３章从头看到尾。这个网站的右上角有个Jeff's $avOmeter 的链
接，点进去可以看到别人和dealer侃价后的最终价格，一般都很低，可以作为参考。该
网站列出的仅是车价，不含其他费用
Autotrader.com ３００里以内的的新旧车都翻出来，感觉一下折旧的速度
http://www.hwysafety.org/crash/ctve.htm (Car crash tests and Vehicle evaluations)
internet quote：我是通过cars.com, edmunds.com,cartrader.com给dealer发email问
价。
costco 的auto service!!!有costco menbership的朋友，可以试试通过costco的auto
service买车，我的一个
朋友也时通过costco买到了便宜的车。
car quotes: Yahoo!Autos, Cars.com, InvoiceDealers, Edmunds.com, MyRide.com
and CarsDirect. Get quotes now from all of them and compare.
1）Chance of rollover
可以在下面网站查到：
http://www.safercar.gov/
我个人觉得17%以下才好。
2）Strength-to-weight ratio
这是车顶的静态强度，
至少要大于2.5
http://www.iihs.org/ratings/roof/detailsbyclass.aspx?58
3)www.informedforlife.org
*****************************************
Financial Calculation
算monthly payment应该不用多说，各个网站都有，自己做做research吧。实再想偷懒
的，这里有个公式可以在excel里用。假设车子的贷款是$30,000，dealer给的利率是0.
0%，36个月付清。那么每月的payment应该是pmt(rate/12,number of period, present
value)，在excel单元格里表达式为：=pmt(0.0/12,36,30000)，这里的present value
(PV) 其实是你的贷款总额，计算出的结果是$833.33。
假设现在的CD银行存款利率是3% APR，你的real cost的表达式为：=pv(0.03/12,36,
833.33)，计算结果是$28,655。这个相当于你现在以当前银行CD存款利率往银行里存入
$28,655，你在今后每个月从这笔钱里提出$833.33，一共提36次，正好在最后一次把所
有贷款还完。这意味着，虽然你只从 dealership那里贷了$30,000，但由于存款利率的
原因，你事实上从利率差值里获利$1,345。当银行存款利率越低，你获利越少，所以当
你仅仅把钱存入checking而且用这笔钱支付月贷，你几乎没有从利率差值里获利。
假设同样的case，buyer take $1,500 rebate and 5.4% APR，贷款额降至$28,500。那
么：=pmt(0.054/12,36,28500)=$859.30。以银行CD存款利率是3% APR计算，你的real
cost等于：=pv(0.03/12,36,859.3)=$29,548
比较两种优惠的PV差发现，0.0% APR的real cost是$28,655，而$1,500 rebate+5.4%
APR的real cost是$29,548，后者的cost明显高于前者。所以如果你能方便地在市场上
找到3% APR的存款，你应该选择0.0% APR，把$28,655放入银行存为CD， (除非你有更
好的投资方向) 然后每月从中提取相应数量还贷。
***
假设你贷款总额(Amount Financed)是L(等于付给dealer的总
数减去你自己出的Down Payment);年利率是apr;准备y年付清
折算的月利率mpr=apr/12; 日利率dpr=apr/365
银行贷给你的总额L折算到y年后的价值应该是L*(1+apr)**y
但银行想吃你豆腐非要按日算利息，所以折算后的价值就成了
L*(1+dpr)**(y*365)
假设你的monthly payment是M,那么第n个月的M折算到y年后的
价值
Mn=M*(1+mpr)**(y*12-n); n=1,2,3,......,y*12
SIGMA(Mn)=M1+M2+......+M(y*12)
=M*[(1+mpr)**(y*12)-1]/mpr
SIGMA(Mn)应等于L*(1+dpr)**(y*365)
==> M = L*mpr*(1+dpr)**(y*365)/[(1+mpr)**(y*12)-1]
如果是36个月, 8%apr的话, M=L*3.136%。这样3年你总共
多付了3.136%*36-1=12.9%
***
先贷款，然后转到0%APR的信用卡，慢慢还 （要注意没有提前还贷的惩罚）
***
apply finance online e.g. capitalone, eloan, you can get much lower than
dealer(unless factory low APR, otherwise <4% is good), e.g. Up2Drive (not
available to first time car buyers.)
先到银行拿pre-approval
***
http://www.capitalone.com/autoloans/help-center/tools/monthly-p
google autoloan calculator
You don't need an appraisal to refinance your car loan (买房要). Most
lenders will not refinance their own auto loans. So if you plan to refinance
your auto loan, you will need to look for a lender other than your current
lender.
If you finance at the dealer, NEVER take delivery of the car until you have
the payment coupon book. This way they can't call you up a week later and
say you did not get the financing, and jack up your payments
Never sign up to a car loan longer than 48 months.36 is ideal
1.9% 36month or 2.9 60 month
penFed 2.49% 60 month
************************************************************
fax sample 1: (It was used for Hyundai and is similar to the one sent to
Passat.)
Dear Fleet Sales Manager,
I am prepared to purchase a 2007 Hyundai Sonata Limited Sedan, with the
details listed below:
? Trim Level: 07 Limited
? Options: Not necessary. But if you only have cars with ultimate Package,
please quote it.
? Exterior Color: The best will be Golden Beige or Silver.
? Interior Color: The best will be Beige leather.
If you have a 2006 Sonata LX available with a great price that you would
recommend, please quote it separately.
I am faxing this notice to several dealers in the area in the interest of
arriving quickly at a fair price, and would like to conclude the matter
within a week.
I look forward to seeing your complete quote for the car listed above;
please send it as soon as possible by fax at xxx-xxxx. Please include these
information if available:
? Invoice price
? +TTL and other fees (I need a new MI plate)
? -Available rebates
? Total Out of The Door price
? The color, options, and miles on the car.
I will be happy to do business immediately with whichever dealer gives me
the best price. I am prepared to use finance the car either through you or
my credit union.
Thank you very much. I look forward to a quick and painless sale!
Sincerely,
xxxxxx
8/20/2006
Fax: xxx-xxxxxxx
******************************************
先说一下本人的经历，去年6月来美，7月申请第一张secured credit card， 一年下来
到现在有
Amex costoco ， citi AA 共3张信用卡 ，信用分733（http://www.creditkarma.com/）
首先，三个信用局的分不一定一样，但是基本上差不多.
下面说说我如何了解、跟踪和改进其个人信用积分信用分的，都是免费的网站，绝对
free， 也不是free trial
1, http://www.creditkarma.com/
credit karma 是个完全免费的信用分查询网站，你甚至都可以每天查询自己的信用分
， 当然是 soft pull， 不会影响你的信用分的。
credit karma 从TransUnion pull 你的信用分
2， https://www.credit.com
每个月可以查询一下自己的信用报告，不是具体的分数， 是ABCD的分档，和对应的分
数范围，有信用报告。
3， https://www.quizzle.com/
每6个月可以查询一次， 有信用分和对应的credit grade， 详细的信用报告
4， https://www.annualcreditreport.com/cra/index.jsp
美国法律规定每个人每年可以向以上三家信用记录公司的每一家免费索取一份你的信用
记录（不包括信用分数和等级，
这两项需要另外交费）。因为一年只能要一次，所以所要时要讲技巧。因为这三家公司
的记录都是差不多的，所以你不用一次把
三家的都要来，而是分成每四个月要一家的，这样你常常都在监督你的信用记录。比如
，如果你这个月一下把三家的记录都要了，
那你得等到明年的三月分才能再一分免费的记录。但是如果你三月份向Equifax要一份
记录，到七月份再向Experian要一份，
最后十月份再向Transunion要一份，这样一年都包括了。
我都是在calendar 上设置全年的credit score 提醒，定时pull 信用分，
这样一年中你可以从https://www.annualcreditreport.com/cra/index.jsp 拿到3分报
告，
从https://www.quizzle.com/ 拿到2份， 从https://www.credit.com拿到12份，
（http://www.creditkarma.com/ 每天都可以访问）.
希望对大家有所帮助。
*****************************************************
"The Folder": What you must have in it when you visit a new car dealer.
Your Credit Report. The 3-in-1 Credit Report & FREE Credit Score is the
most thorough you can get.
New car purchase quotes from Yahoo!Autos, Cars.com, InvoiceDealers,
Edmunds.com, MyRide.com and CarsDirect.
Accurate new car invoice pricing data, rebates, tips, incentives from
FightingChance.com.
Car Loan Pre-approval from your credit union, or apply online at
Up2Drive.
Laptop PC or PDA with our free loan spreadsheets.
Insurance quote from your agent or internet sites for the coverage you
want on your vehicle.
Used car Blue Book trade-in value, and market value.
Extended Warranty Quotes from online sites to compare to the dealer's
quote. The dealer is usually pricier for lesser "Mechanical Breakdown"
warranty. Better extended warranties such as CARCHEX and Warranty Direct
have much better "Wear & Tear" warranties, that cover more than the dealer's
warranty.
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| c**********4
发帖数: 2461 | | q****2
发帖数: 208 | 8
好长呀
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| r***y
发帖数: 4379 | 9 -- 这个时候买车不是个好时候，8-9月份（当年的车型）以及12月31号（当年或下一年
的车型）都是最好的时候。
对lz这句话不太理解.
"这时候"不就是现在, 不就是八月份么?
转发的旧帖?
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| c****o
发帖数: 69 | | | | g*****i
发帖数: 2162 | 11 我6月份买车的,我现在把原文改了,以免误导.
【在 r***y 的大作中提到】
: -- 这个时候买车不是个好时候，8-9月份（当年的车型）以及12月31号（当年或下一年
: 的车型）都是最好的时候。
: 对lz这句话不太理解.
: "这时候"不就是现在, 不就是八月份么?
: 转发的旧帖?
| f*****e
发帖数: 1889 | | b*****i
发帖数: 770 | | M*********9
发帖数: 15637 | | b*****i
发帖数: 770 | | a*****e
发帖数: 5 | 16 很好很强大～～
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| a******s
发帖数: 2145 | 17 看了楼主的文章我去查了一下credit,
突然发现我的credit被别人在8月份 hard inquiries 两次了。
肯定我是我去dealer试驾的时候，被复印了驾照查询的。
怎么办？
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| s****t
发帖数: 17096 | 18 第三个没必要，其他都在理
主要是自己看车前先懂车，让dealer认为你马上就买，是serious buyer，好谈价格
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| b*****i
发帖数: 770 | 19 你的驾照上有SSN吗？
【在 a******s 的大作中提到】
: 看了楼主的文章我去查了一下credit,
: 突然发现我的credit被别人在8月份 hard inquiries 两次了。
: 肯定我是我去dealer试驾的时候，被复印了驾照查询的。
: 怎么办？
| l**********r
发帖数: 3 | | | | a******s
发帖数: 2145 | 21 没有啊
【在 b*****i 的大作中提到】
: 你的驾照上有SSN吗？
| b*****i
发帖数: 770 | 22 没SSN应该没法查信用记录啊。你能够查出是谁做的hard inquiry吗？
【在 a******s 的大作中提到】
: 没有啊
| W****n
发帖数: 1373 | | W*******s
发帖数: 18705 | 24 你有时间就耗在这上面吧。穷追猛打，也就100-300的不同。谈车先要谈Trade-in，这
时候你还可以捞个口头上的好价钱，再谈新车。你谈完了新车，再提Trade-in，Dealer
肯定杀价，就像你刚才砍新车价一样。谈崩的机会太高。
一个做过Dealer Internet Sales Manager的人飘过。 | d****r
发帖数: 2912 | 25
What is "耗在这上面"? It's not bad if one hour can save you $100-$300.
【在 W*******s 的大作中提到】
: 你有时间就耗在这上面吧。穷追猛打，也就100-300的不同。谈车先要谈Trade-in，这
: 时候你还可以捞个口头上的好价钱，再谈新车。你谈完了新车，再提Trade-in，Dealer
: 肯定杀价，就像你刚才砍新车价一样。谈崩的机会太高。
: 一个做过Dealer Internet Sales Manager的人飘过。
| g*****i
发帖数: 2162 | 26 应该是板上有人对加速的要求,我随便记下来的,
【在 b*****i 的大作中提到】
: “0-60麦弱于7秒不买”是什么意思？
| g*****i
发帖数: 2162 | 27 已经查了就没办法了吧,让他去吧
【在 a******s 的大作中提到】
: 看了楼主的文章我去查了一下credit,
: 突然发现我的credit被别人在8月份 hard inquiries 两次了。
: 肯定我是我去dealer试驾的时候，被复印了驾照查询的。
: 怎么办？
| g*****i
发帖数: 2162 | 28 我这主要给新手看的,了解下流程和陷阱防止吃亏.
trade-in我部分同意.如果车确定要tradein了,那么先谈会好点.但是大多数车还是自己
卖更好.
Dealer
【在 W*******s 的大作中提到】
: 你有时间就耗在这上面吧。穷追猛打，也就100-300的不同。谈车先要谈Trade-in，这
: 时候你还可以捞个口头上的好价钱，再谈新车。你谈完了新车，再提Trade-in，Dealer
: 肯定杀价，就像你刚才砍新车价一样。谈崩的机会太高。
: 一个做过Dealer Internet Sales Manager的人飘过。
| c**********g
发帖数: 304 | | f*****l
发帖数: 814 | 30 太赞了，收藏。
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| | | t*********d
发帖数: 3398 | 31 what credit score is considered to be good for financing? | m*****s
发帖数: 1471 | 32 can brand A car be traded in in brand B dealership? Thanks. | z****1
发帖数: 63 | 33 Mark! Thanks...
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| b******i
发帖数: 2536 | | x***g
发帖数: 454 | 35 Mark~~~
Thanks for sharing! | l**********n
发帖数: 8443 | 36 累不累，买个车码这么多字。要是买房子岂不要厚厚几摞？ | c******7
发帖数: 8 | 37 nice~~~
You know a lot of negociation techs~~
Marked | m********2
发帖数: 3732 | 38 mark. LZ did a very good job. | a******l
发帖数: 58 | | t*****s
发帖数: 1309 | | | | n*******4
发帖数: 6402 | | P****4
发帖数: 831 | 42 赞lz~
不过实在太长了，打印下来慢慢研究吧~ | c********l
发帖数: 125 | 43 shimin同学你怎么去年才来美啊
jean要有宝宝了？
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| m*******T
发帖数: 460 | | j****1
发帖数: 4504 | | h*h
发帖数: 27852 | | m*******u
发帖数: 34 | | g*****i
发帖数: 2162 | 48 700以上一般就可以了,买车的时候如果厂家有贷款的promotion最好,那种promotion要
求都不高
【在 t*********d 的大作中提到】
: what credit score is considered to be good for financing?
| g*****i
发帖数: 2162 | 49 可以.dealer最喜欢你trade in了,他低价收购,修一下,再卖个冤大头,有时候旧车的利
润会接近新车的利润,所以有精力和时间的话建议自己卖.
【在 m*****s 的大作中提到】
: can brand A car be traded in in brand B dealership? Thanks.
| g*****i
发帖数: 2162 | 50 绝大多是都不是我自己写的,主要是本版精华区,本版讨论,carbuyingtips.com的买车7
章注意事项里摘录下来的
【在 l**********n 的大作中提到】
: 累不累，买个车码这么多字。要是买房子岂不要厚厚几摞？
| | | g*****i
发帖数: 2162 | 51 没,文章是我买车时做的笔记,基本都是别人写的.你是?
【在 c********l 的大作中提到】
: shimin同学你怎么去年才来美啊
: jean要有宝宝了？
| g*****i
发帖数: 2162 | 52 名id回复,深感荣幸
【在 h*h 的大作中提到】
: 最主要的是： 要有钱
| a******g
发帖数: 13519 | | s*********o
发帖数: 214 | | d***s
发帖数: 1062 | | w********e
发帖数: 2113 | | h**********i
发帖数: 16 | | r********0
发帖数: 65 | | l********9
发帖数: 831 | 59 强帖，mark
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| a****t
发帖数: 720 | | | | T*U
发帖数: 22634 | | g*****i
发帖数: 2162 | 62 恩,是啊,确实要花时间,不过我是穷学生,省点是点.
【在 T*U 的大作中提到】
: 看完要一天，一天工钱就没了。
| F**D
发帖数: 6472 | 63 该mark的
【在 g*****i 的大作中提到】
: guangyi@mitbbs
: 这是我买新车前总结的一些在mitbbs车板和money版看到的我觉得有用的东西,以及
: carbuyingtips.com上的一些建议,没怎么整理,格式比较乱,希望对一些和我一样的新手
: 有用.(附件不支持文件,所以就粘贴在这里了)
: 我的买车经历总结在
: http://www.mitbbs.com/article0/Automobile/32742903_0.html
: **********************************************************************
: 买车最好的时机:，8-9月份（当年的车型）以及12月31号（当年或下一年的
: 车型）都是最好的时候。
: 买车的时候也要讲究策略：
| y*****g
发帖数: 6223 | 64 有用，就是太长。
而且本人脑子慢，有时候太实在。
如果有一步步的谈判策略就好了。 | g*****i
发帖数: 2162 | 65 dealer的策略和陷阱也不固定的,不可能有你期望的一步步的策略,就算有那也轻易被
dealer破解了.
【在 y*****g 的大作中提到】
: 有用，就是太长。
: 而且本人脑子慢，有时候太实在。
: 如果有一步步的谈判策略就好了。
| y***g
发帖数: 1375 | | K******S
发帖数: 10109 | 67 They don't need SSN to pull your credit. However, if you tell them not to
pull your credit, they cannot do it because by law, they will have to have
your consent to do that.
【在 b*****i 的大作中提到】
: 没SSN应该没法查信用记录啊。你能够查出是谁做的hard inquiry吗？
| p********n
发帖数: 90 | | m****2
发帖数: 1504 | |
|
