我应该为我的车再融资吗?
What should be considered when thinking about refinancing a car loan.
You may have heard of refinancing a mortgage but did you know you can also refinance a car loan? If you decide to refinance, you may save money in a number of ways.
你应该什么时候为你的汽车再融资?
Here are some situations w在这里 it might be beneficial for you to refinance your car loan, including:
- 你现在的利率很高. When you first bought your car, you may not have qualified for the best rate. Or, 因为你最初接受了贷款, 你的信用评分可能有所提高, 你有权利享受更好的生活, 低利率. In some cases, rates in general may be lower and can be applied to your balance.
- 你想降低月供. A lower interest rate can reduce your monthly payments without increasing the term of the loan.
- 你想早点还清贷款. 如果你有资格获得较低的利率, you can continue to make the same monthly payments and pay off the loan faster than you originally planned because more of the monthly payment will be applied to principal.
- 你通过经销商融资. Often dealership rates are higher than other financial institutions. You may consider refinancing with a bank or credit union you already have an account with. It could potentially save you thousands of dollars over the course of your loan and may improve your 信用评分.
听起来不错，对吧?? 对一些人来说，这是一个有益的财务选择. 一种方法是用a 计算器 工具来估计你的潜在储蓄.
可能会有阻碍的考虑
- 你的车龄. 一般来说，车越新越好. 给你的贷款人, an older car has lower collateral value so you may not have an option to refinance the loan balance if it exceeds the 车辆's current value.
- 预付处罚. Check that your current lender doesn't require you to pay a penalty for paying off your loan early.
- 其他费用. 各州的重新注册费用差别很大. Check with your state for the amount to be sure refinancing is worth as much to you as you expect. Also check for any fees your new lender will charge you for the refinance as those fees will impact the value of the new loan.
- 最近买的车. 如果你想重新贷款的话, consider waiting at least 6 months after the purchase of your 车辆. This allows your loan time to establish a loan history and to address any depreciation from the time of purchase.
我可以向同一家银行再贷款吗?
- If you have made your payments on time and your credit is in good standing, it may be possible to refinance with your current lender. 看看你是否有资格，联系你的贷款人.
- 考虑你的选择. If you are unable to refinance with your current lender, shop around and compare quotes to make sure they line up with why you want to refinance.
如何为汽车再融资?
许多贷款机构提供在线申请的选择, allowing you to explore from the comfort of your own home. 验证您的身份, 检查你的信用并处理你的申请, 你的贷款人可能会要求你提供以下资料:
- 工作和收入证明
- 居住证明
- pp王者电子官网证明
- 信用记录
- 车辆信息
- 现有汽车贷款详情
Once you've completed the application, the length of the review process can vary. 如果你得到批准, the lender will provide the terms of the loan including interest rate, 贷款金额及任何适用费用. At that point, you can compare and decide which lender you want to refinance with. And don't forget to contact your insurance company or 代理 if you have changed lenders so they can update your new lienholder's information on your car insurance records.
