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Author: admin | Category: Calculateur De Pret Auto | Date: 23.10.2015

Neither the service provider nor the domain owner maintain any relationship with the advertisers. In case of trademark issues please contact the domain owner directly (contact information can be found in whois). What a dealer offers you in terms of interest rates may sound different or even 'better' than what a bank offers you. Also, the dealer always sells the car as a package deal, which includes the cost of the car, loan, insurance and accessories. But before you get into the act of bargaining and play the number game of discounts and the EMI math, use the following thumb rules to decode the "best offers" sold by car dealers.The loan mathA loan deal becomes sweet only if there is some kind of incentive from the manufacturer or financier.
Even if you can't maximise, you would know what exactly you've got.For instance, a discount offered by a manufacturer can be clubbed in the loan calculation to make the loan deal look much better. He doesn't tell this to you but reduces it from the loan amount, making the EMI as low as Rs 8,259.

Or he may also choose to tell the customer that the effective interest rate he is offering is 8.8%. First, the dealer has a huge stock of a particular car and he wants to liquidate that at any cost. Hence he may design attractive deals to offset its impact.If the dealer claims to give a good discount, you should first understand the nature of the offer. If the dealer is giving a discount on the car cost or accessories, the dealer has already made his money by earning a good margin on accessories. If you are paying 1 lakh as down-payment for a Rs 5-lakh car loan, ask for a cash discount on that Rs 1 lakh. Car sales have plunged in the past two years because of rising petrol prices and higher interest rates. But if you are looking to sell the car in 3-4 years, the manufacturing date of the car will be the sole determinant of the resale value.

One with a manufacturing date of December 30, 2011 and the other with a manufacturing date of January 5, 2012.
You have to look at IDV (insured's declared value), coverage of the policy and the tie-ups of the insurer before buying an insurance policy. IDV is the compensation you get in case of theft or total loss of the vehicle due to accidental damage.
Compare the policy details with what the insurers offer and also the price and quotations.Next time a dealer doles out the 'best' car loan offer, do your EMI math by getting separate quotations from banks based on your loan affordability.

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