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Author: admin | Category: Car Loan Canada | Date: 10.02.2015

If you’re thinking about buying a new or used car, you owe it to yourself to research your auto loan options. Dealers may use the promise of zero percent financing to trick you into paying more for the car.
Choosing zero percent financing will usually prevent you from taking advantage of other discount options.
In the end, this can mean zero percent financing is actually more expensive than an auto loan obtained through a private lender, like your credit union.
If you take the 2.99% interest rate financing option, your monthly payment will be $360- a much more reasonable amount. Even if it’s not incompatible with cash back incentives and other rebates, having outside funding lined up before you go to the dealership can be a great advantage in negotiating.
If you’re considering buying a new or used car, your first call shouldn’t be to the dealership. State Bank of India has announced cheaper home loan schemes for defence personnel and Central government employees, keeping in mind their enhanced capacity to repay after the recent salary hike accepted by the NDA government.
Indian banks are eyeing the enhanced repaying capacity of Central government employees who got salary hike after the NDA government accepted the recommendations of the 7th Central Pay Commission (CPC). Central government employees would now have the option to repay home loans up to the age of 75 years, as against 70 at present, with the monthly outgo (equated monthly instalments, or EMIs) reducing after the borrower retires from service. The bank launched two schemes under which it will be offering home loans to employees who draw their salaries from the Central government. Reduced burden of servicing EMIs under the new schemes as lower EMIs would need to be serviced during the post-retirement term.

Though the Narendra Modi government is yet to decide on the quantum of hike in allowances, the increase is unlikely to be lower than that recommended by the pay panel. The total additional financial impact on the Central government for the current financial year is likely to be Rs 1,02,100 crore, of which the railways will have to share Rs. Car commercials don’t talk about the fine print, but dealers place a pile of restrictions on zero percent financing.
If the dealer is offering zero percent financing over the life of the loan, expect it to be no more than three years. With their knowledge of your financing options, they can manipulate the price of your trade in and the cost of the transaction to arrive at a monthly payment you’re happy with.
Often times, zero percent financing is offered instead of manufacturer rebates and other discounts.
You can take zero percent financing on a three-year loan or, for a limited time, you can get a 2.99% interest rate on a five-year loan, plus the opportunity to earn 1% cash back. By continually postponing questions of financing, you can let the dealer think there’s still money to be made. State Bank of India (SBI) is the first, offering home loan schemes with lower interest and extended tenure to repay the loan amount. There are about 47 lakh Central government employees, including 14 lakh defence personnel, who will benefit from the salary hike. Under existing Home Loan schemes, repayment is normally available up to the age of 70 years only.
While the overall hike recommended by the 7th CPC is 23.55 percent, the increase in allowances comes to about 63 percent.

If your history with credit is anything less than perfect, don’t expect to qualify for these rates.
Also, these financing packages are usually incompatible with special discount programs like Ford’s Friends and Family package.
Your payments will be higher, and if you can’t make one of them, you’ll be paying more in interest next month and all the months that follow. This position might lead the dealer to give you more on your trade-in, lower the price of the car or offer you more options. We can answer any questions you might have about auto loans and take the time to research your auto loan options.
Take a few minutes to look at the following hidden costs that may come with these advertised low rates.
Plus, many zero percent financing offers only cover part of the life of the loan—usually six months.
Over the lifetime of the auto loan, you’ll pay a total of $21,382 (factoring in the cash back). You end up paying more over the life of the loan, however; you’re monthly payment is lower by $195.

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