k*****n
发帖数: 3 | 1 我们一家来美国2个月，现在要买车，需要auto loan,好多事情都不懂，
求建议。情况如下：
1）由于在美时间短，信用分数很低，所以只能从credit union拿到auto loan,而且APR
很高，10%左右，固定的，与term无关。
2）该union 提供saving-secured loan,APR=3%,12 to 60months,term indepedant。
我们拿车的title.
3)车价约为21k, 我们有足够的现金支付
请教大家：我们应该贷款买车以增加信用度还是by cash?如果贷款，在
以上条件下，选择多少down payment 和 term 合适？
谢谢！
0
0 | p****x
发帖数: 4260 | 2 suggest you pay cash
or
if you want to spend some $ to increase your credit score, and their auto
loan
allow early payment without penality,
you can choose auto loan with the longest term and pay 95% or
more immediately after your account is set up, say a week or 10 days.
Then pay the rest of the loan like $10 per month :D
APR
【在 k*****n 的大作中提到】
: 我们一家来美国2个月，现在要买车，需要auto loan,好多事情都不懂，
: 求建议。情况如下：
: 1）由于在美时间短，信用分数很低，所以只能从credit union拿到auto loan,而且APR
: 很高，10%左右，固定的，与term无关。
: 2）该union 提供saving-secured loan,APR=3%,12 to 60months,term indepedant。
: 我们拿车的title.
: 3)车价约为21k, 我们有足够的现金支付
: 请教大家：我们应该贷款买车以增加信用度还是by cash?如果贷款，在
: 以上条件下，选择多少down payment 和 term 合适？
: 谢谢！
| l*******r
发帖数: 2847 | 3 这点信用不值那么多利息。
pay cash
APR
【在 k*****n 的大作中提到】
: 我们一家来美国2个月，现在要买车，需要auto loan,好多事情都不懂，
: 求建议。情况如下：
: 1）由于在美时间短，信用分数很低，所以只能从credit union拿到auto loan,而且APR
: 很高，10%左右，固定的，与term无关。
: 2）该union 提供saving-secured loan,APR=3%,12 to 60months,term indepedant。
: 我们拿车的title.
: 3)车价约为21k, 我们有足够的现金支付
: 请教大家：我们应该贷款买车以增加信用度还是by cash?如果贷款，在
: 以上条件下，选择多少down payment 和 term 合适？
: 谢谢！
| k*****n
发帖数: 3 | 4 Thanks for the suggestion.
I am not sure of penalty for early payment,but even if there is no
penalty,
I still couldn't go that way because they requires the savings to secure
the
loan. That is, $21k has to be deposited at the beginning; after that I don't
have much extra money to pay off quickly.
【在 p****x 的大作中提到】
: suggest you pay cash
: or
: if you want to spend some $ to increase your credit score, and their auto
: loan
: allow early payment without penality,
: you can choose auto loan with the longest term and pay 95% or
: more immediately after your account is set up, say a week or 10 days.
: Then pay the rest of the loan like $10 per month :D
:
: APR
| o*****t
发帖数: 3 | |
|
