7 Things Before Deciding Buying a New Car

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Have your own vehicle as the car already become something desirable about everyone yes. Especially those who live in big cities. How about you?
When someone wants to buy a new car, of course, will think: the brand what it is, what kind: a sedan, SUV, family car, a city car or other. In addition, fuel, spare parts, resale value and the purchase price. For loans tips, you can see at http://www.topratedcashloans.net/taking-control-of-your-cash-loans.
On the financial side, we also need to consider payment in cash (hard cash) or with a motor vehicle loans.
Then note the operational costs (operational costs), ranging from fuel, parking, tolls, regular maintenance, vehicle insurance, licenses and taxes.
Remember, the vehicles that we use for everyday purposes including asset class not productive, because not bring money into our pockets.
Here are some things to consider when deciding to buy a new car to avoid losing money.
1. Determine Needs and Prioritize Needs
Everything certainly originated from the need, including a decision about buying a new car. At this point, we need to re-check the considerations we buy a new car.
Whether buying a new car is a major priority in our financial goals? If yes, then start is financial planning to set up a fund to buy a vehicle.
If we buy a new car by using the Motor Vehicle Credit, there is an advance to be prepared as well, right?
In determining the financial goals, we are often faced with the reality of the willingness of this and that. Want to buy this, wanted to buy it and so forth. Therefore, think of using logic, not emotion.
2. Define Budget
After determining our needs, the following steps need to do is decide on a budget or budget.
Make a budget that is reasonable and realistic, do not impose. Buying a car is needed, but not at the expense of other financial goals are also important, such as buying a house.
Do not do stupid to buy a car in advance, but do not own a house or dwelling.
3. Know More Product Information
Furthermore, first identify as complete product information. Can browse the internet, automotive magazine or forum on the internet.
People who come to the showrooms usually know the technical specifications of the product and just want to check the technical specifications of the goods on display.
So that we do not feel the loss when buying a car, do initial research through the internet, there is also the help of Google. Now there are some websites that sale and purchase of new and used cars.
We can also compare the prices of new cars at a price mark. Approximately how declining prices between new and used cars. From there we can consider the pros and cons of buying the car.
4. Determine the Type of Fuel and Other Operating Costs
As we all know, when buying a car we would also have to think about some things. Among other things, the daily operating expenses, ranging from fuel, parking, tolls, driver (if any), routine maintenance, cleanliness of vehicles, insurance, licenses and taxes.
Moreover, if we buy a car by using CLA, then we need to consider monthly payments. If we buy a car for personal needs, basically the car we are not productive assets.
5. Calculation
When buying a new car, you should adjust capacity and perform calculations for funding. Does using hard cash or using a credit?
If using credit, make sure we’ve done a comparison of several products. Never disconnect credit only from one company deals.
Consumers are smart, always considering multiple offers. Of course we will also do the same thing, as a smart consumer.
6. Perform Test Drive
Nowadays, many car dealers are on offer to test drive a new vehicle. Ideally, as a prospective buyer of our test vehicle by way of normal driving.
Do not inconsiderate or do not be too cautious. Try turning all the features or the ability of the car, especially if we buy high-tech cars. Note also the interior of the car, ranging from a seat, dashboard and so forth.
7. Consider Insurance
The important thing is to consider vehicle insurance. Car insurance there are two types of all risk and total lost only. Despite its name, all risk insurance, but we need to read carefully the policy. Do not let us use the wrong assumption.
Before buying a car, try to follow the tips above. Be a smart consumer and do not easily inedible offerings. Be careful in choosing products and carefully before buying it. Good luck.