Paying Down a Car Loan偿还汽车贷款

Make Payments For Son's Car支付儿子的车
by Scott Bilker由斯科特bilker

Scot t Bilker is the author of the best-selling book "Credit Card and Debt Management."作者是苏格兰人笔bilker的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Dear Scott,亲爱史葛
My son purchased a car for $15,000 at a high rate of interest.我儿子买了一车15,000在高利率. He's been paying for 32 months and he still owes $11,000.他的付出,他还欠32个月、11,000. He has just been laid off and to top it off the car has blown the engine.他刚刚下岗和顶帐车吹向引擎. I would like to help him pay the loan off to keep his credit rating but would like to negotiate the amount down.我想帮助他保住自己付出过贷款信用评级,但想谈金额下降. What are the chances?什么机会? Would he be better off to let it be repossessed?他富裕了,任它收回? This would be to nobody's advantage.这将是无益的优势. Please advise.请告知.
--Jim--吉姆.

Jim,吉姆,

Thanks for writing!写作感谢!

The good news, certainly for your son, is that you're willing to help him.好消息,当然你儿子是你愿意帮助他. And because of that you'll be able to save him some money and keep his credit history clean.因为,您可以节省一些钱,他把他的信用历史干净. Since your son probably has your character, it's a good bet that he'd make sure to repay you when he's back on his feet.也许你既然少爷性格这是一个好的赌注,他真想让他来报答你的回他的双脚.

Here are a few ideas to save money, while helping your son at the same time:这里有几个观念为了省钱,同时帮助您的孩子在同一时间:

1) Buy the car from your son.1)从你儿子买汽车.
Since you are willing to help out financially, you may be able to save money by buying the car from him.既然你愿意帮忙财政你可省钱了买车的钱. That's because you're more likely to be able to get a better rate on a loan for the car.那是因为你更有可能得到更好的汽车贷款利率.

Check with your credit union or local bank and find out what the deal is for used car loans.查你当地银行或信用社和找出解决是用汽车贷款. The bank will loan you an amount based on the book value of the car, but the rate will most likely be far less than the current rate.世界银行将贷款金额根据您的帐面价值车内但速度很可能大大低于目前的税率.

If you cannot get the full $11,000 needed to pay off the original amount you may want to consider using a credit card cash advance if the rate is low.如果你不能得到充分11,000需偿还金额原想你可能考虑使用信用卡现金如果提前率低. Call your credit card bank and see what they have to offer.电话银行和信用卡你看看他们有乐趣. Tell them that if they give you a good deal you'll use their line of credit otherwise you'll be calling your other credit cards to see who wants to make a profit.告诉他们,如果他们会给你一个很好的协议,你就会使用其信贷额度,否则你的电话就会看到其他信用卡谁要赚钱. Or, if you have a low rate transfer offer on one of your credit cards, you could cash advance one credit card and immediately transfer the balance to the lower rate card.或者,如果你有一个低利率转让提供一个你信用卡你可以提前一个信用卡现金余额,并立即转移到低税率卡.

So between the bank loan and other financing you can take possession of the car and save money over the current financing.所以银行贷款等融资之间你可以接管车省钱超过目前融资.

2) Fix the car.2)修理汽车.
The car is still worth quite a bit of money.车仍在1.93元钱. Replace or repair the engine and keep track of that cost.修理或更换发动机,并跟踪成本.

3) To sell or not to sell.3)卖与不卖.
At this point you have a functioning car that's been refinanced at a lower rate.此时你有一个运作的车子已经是以较低. Your son's credit history looks good because the car has been paid off.你儿子的信用史好看,因为车内已见成效. Now the question is, "Will your son want the car when he gets on his feet or will he want a less expensive vehicle?"现在的问题是,"儿子想车就在他到达了他的脚或他想要便宜车"?

If he wants to keep the car, then you could sell it back to him for the unpaid balance plus the cost of repairs.他若要保持车内然后你可以卖回给他的报酬余额加上维修费用. Or he could pay you monthly for all the financing.或者你可以按月缴纳全部融资.

If he doesn't want to keep the car then sell it.如果他不想把车再卖. Take that money and pay off as much of the financing as possible.把钱还清,尽量筹措越好. You may not get enough from the sale to repay the entire amount.你可以从销售得不到足够偿还全部金额. In that case you'd need to work out how that difference would be paid.在这种情况下,你怎么样,要制定将会付给.

As far as negotiating the amount goes, it's always worth it to give the lender a call and see if they'll reduce the balance.至于谈判未战它总是值得放款打电话给看看人家减少负债. However, in this case, I believe the chances are slim.然而,在这种情况下,我相信机会是微乎其微.

The above suggestions are the ideas I would consider.上述建议是考虑我的想法. I hope you find them useful.我希望你们找到他们有用.

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards,问候
Scott斯科特

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