| Title | : | Pembiayaan ulang akan menghemat uang pinjaman Anda! #dealermobil #mobil #keuangan #kredit #dealer... |
| Lasting | : | 2.53 |
| Date of publication | : | |
| Views | : | 39 rb |
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Refinance and keep paying g the original payment Comment from : @luxurytaxprep |
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Can we do refinance? Comment from : @sakamoshikaka9939 |
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High or low interest you might as well beat the interestwhether the term is 5 to 8 yearspay it off early 😢 Comment from : @johnblack4915 |
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You don’t wait 2 years to refinance a high interest loan or it’s pointless other than lowering your monthly payment cause like he said all the interest is at the beginning of the loan You need to refinance by 10 to 12 months Comment from : @ryangaaserud678 |
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Orrrrr whenever you have extra money put it towards the principal and your interest will lower since the cost of the vehicle is lower Comment from : @laurenbreedlove5973 |
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this guy will nvr fix his mic Comment from : @traderzzz123 |
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The best thing is don't buy beyond your means in the first place Comment from : @tomglpn |
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Jesus Fk just buy a used Toyota under 150k and call it a day good lord Comment from : @Jay-zk4bb |
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You are a predatory lendor Comment from : @andrewdilliner6709 |
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If you're paying $800/month for a carbrbrThats almost $10k/year You can buy an ok car for that pricebrbrJust consider that Comment from : @ab3040 |
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Don’t forget some lenders charge fees to refinance, so if you aren’t saving enough on the new loan, that’ll wipe out your savings Comment from : @JB-1996 |
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If someone refinances they should do it immediately OR plan to pay the loan off sooner at the lower rate, not full term Comment from : @redzoom7857 |
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Ideally, you want to pay it off enough before the refi so that you're either breaking even or you owe slightly less than what the car's worth Doing a refi while still way upside down on the car is just digging you into a deeper hole Comment from : @Slowly_We_Rot |
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Interest is a trap Thank you jewish banking for giving us the gift of interest Comment from : @JohnDoe-ig1yw |
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If you financing 40-50k on car that’s a stop sign that means you cannot afford it The car finance should not be more than 15-20k rest should be down payment Comment from : @MrPreet23 |
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Any interest above 5 seems like a robbery 💀 Comment from : @louistru8652 |
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Refinance, but pay an amount closer to the original payment!! You will save thousands on interest and pay it off sooner than the 5 year term! Comment from : @War-eeyore |
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You also shouldn’t extend the loan when you refinance If you refinance after 2 years in a 5 year loan, you should refinance for 3 years or less Comment from : @DGLSMusic |
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Pay cash and buy a used Toyota Comment from : @mctampa |
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Your loan term changes when you refinance? I have never heard of this like what’s the point if your resetting the term length? I thought you just get lower interest and the term length runs concurrently Comment from : @jones9309 |
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Brother tell me your not dealing with RIBA Comment from : @eyaidghanim7431 |
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Interest isn’t really front heavy, it’s just that you pay the interest before you pay the principal (every month) Your first payment is going to have more interest than your second, which will have more than your third, etcbrbrMake extra payments, or pay a little beyond your required payment You’ll cut entirely in to principal every time you do either one (with most loans) That will reduce the amount of interest that can be charged on the next required payment Comment from : @nwj03a |
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I don’t know if this is a dumb question or not When you refinance can you put a down payment on it again to get a lower rate or would you just use that down payment and pay towards the principal on the initial loan? Comment from : @BrettFightorFlight |
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You restart the loan when you do that right? Comment from : @mikestandlee4657 |
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What I did was buy a NEW low trim model car I didn't want to deal with car issues that's on me sure But I payed early on that sucker Got it early in Jan 2018 and finished last payment in October 2020 It was supposed to be for 72 months but I cranked out them payments The earlier you pay it, the less in interest you pay It was such a relief Now what I did is not for everyone but it did take a lot of discipline I was lucky to still work during the pandemic and was making a killing too Comment from : @spicybrown3563 |
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Jesus christ average interest rate at 13 That's insanity Comment from : @ConradCreel |
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I use that exact calculator Google amortization loan calculator Thank me later Comment from : @BetterToDIY |
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I buy all my vehicles new Keep them for 11-15 years/180k-190k miles First 2 I financed Last 2 I paid cash 13 interest on 60 months is insane Comment from : @Notyourslave69 |
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Don’t refi, PAY IT OFF EAT BEANS N RICE Comment from : @BobDuhBuildering |
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I would like to know if you recommend refinancing Comment from : @mikedawkins346 |
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Pay cash for a car End of story Blah blah blah is all I hear coming out of your mouth Comment from : @allentepper4691 |
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Refinancing another 60 months after two years is a bad idea Even if in this example you save a few thousand, you’ve got much more risk of being upside down on the loan during that long period Comment from : @jackolantern22 |
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If you can't buy it in cash, you can't afford it Grab a toyota corolla for cheap and it will last a life time This is how you stay broke Comment from : @knomatic2065 |
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Biggest issue is the value of the vehicle after 7 years Comment from : @LucasDaRonco |
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Interest has not hovered around 13 unless they are asshat bad credit borrowers and should not have had car payments Even your “refi” rate at 8 is insane… with good credit, it can be had MUCH cheaper Quit encouraging bad credit people to finance things, they obviously don’t have the responsibility for it and have shown it Comment from : @Torqued_to_Spec |
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Its better to put down 30 !!! Comment from : @TheTraeTube |
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Eid Mubarak Yousuf Comment from : @LionHeart2123 |
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Man you need to post more one of my favorite channels 💪🏽 Comment from : @HooliF87 |
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Why people keep buying cars? Its a depreciating asset and paying $800 a month it’s crazy, please teach them to lease a new for 36month and take it every two years and get a new no mechanic fee or tire purchase etc Ownership is overrated it’s depreciating it brings no money Comment from : @orvillebryan1950 |
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Literally going upside down Comment from : @RebelMontana |
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Not many people are going to want to make a car payment on the same vehicle for 7 years So they trade after 2 or 3 years and have massive negative equity to roll into another vehicle Great way to commit financial suicide Solution - buy a cheap car and pay cash Comment from : @dont6441 |
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I just refinanced today (29March25)brMy loan interest rate was 39, it is now 225brbrThis is not a loan in the traditional sensebrbrIf you are interested in what loan I used, look into Promissory/Pledge Loan (one and the same) brI highly recommend this tactic to save You moneybrGood Luck in Your QuestbrbrbUSN(RET)/b Comment from : @FoolsAmongUs |
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You only end up having the car longer if you don’t actively try to pay it down when you can With smaller monthly payments, if you put a little more towards it when you can (like say your old payment), you’ll decrease the length of your time and save a bit on interest as well Great video 🎉 Comment from : @Guy-mv1kg |
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easy, buy a cheap car Comment from : @AnimeBeefRandoms |
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