Many people dream of having their own car. Buying their first car is something that should be considered.
1. Is necessary and appropriate to use.
This question is the most important question. It takes money to buy cars at a time, not less. (The wealth) if they purchase. (Not cash), it will be a financial burden for at least 5-7 years (the liquid), so the "need" is a topic that must be considered first.
"Why? To have a car of my own, "try to find an answer to this question. However, you should not buy a car because any such promotions do not buy it on sale. Or because of the tax benefits of it. But let's look at the necessity of life is. It is a good idea to compare the advantages - disadvantages. If we look to own a car. Then decide
The second question is, "If a car is essential. We should buy brand new or second version is not good, "this is the reason of buying the car in question is compared to the performance car market. That the version meets the needs of our applications. On the intended usage Spectroscopy and knowledge of heart The rest is a matter of money for me.
2. Down (investment)
In my view, the If the down payment is tough I do not buy it. Because it reflects something in you as well. The rate should be between 20-25% down payment, if you want to buy a car for 600,000 baht was likely to have savings for a 120,000 baht (20% x 600,000) to take the car down to the liquidity advantage of payment. Do not have to pay per month is too much. They do not waste time looking for a guarantor.
3. Liquidity back into the car.
This is the most important and should be reviewed before the end of the car itself. Even though the car will be necessary for you (the first stage) and you do not have the money to get the car down (stage 2), but if you buy it. Enhancing liquidity or funds to spend each month is not enough. Or no savings at all Speak Easy is a necessary, but not yet ready. At this time you should move out before the purchase.
The costs of owning a car. That may affect our liquidity include.
- Installment Loans for car purchase
- Of oil, gas and travel fee.
- The cost of maintaining the car.
- Insurance
- The cost of the registration.
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