Getting the Best Deal on Auto Insurance 得到最佳的处理上汽车保险

You've found the car that makes your heart race by 120 beats per minute.您找到车，让您的心脏比赛， 120次每分钟。 Now only one thing stands between you and the car of your dreams: financing the buy.现在只剩下一件事，站在你我之间的汽车，你的梦想：融资买。 In a perfect world, you'd pay the total price in cash without blinking.在一个完美的世界，你会付出的总代价现金无闪烁不停。 But if you're comparable to the seven out of ten car and truck buyers who don't exist in a perfect world, chances are you'd be paying for your car by way of one of several financing schemes.但是，如果你媲美七个出十大汽车和卡车买家，不存在在一个完美的世界，有机会你一定会支付你的车的方式，其中几个融资办法。

Understanding the basics of each car financing choice is key to choosing the automobile financing strategy that best suits your position.了解基本的，每个汽车融资业务的选择是关键，选择汽车融资策略最适合你的位置。 Here is an overview of auto financing options that may be obtainable to you.这里是一个概要的汽车融资方案可能被索取你了。

Auto Loans from Lending Institutions汽车贷款机构申请贷款

You can get a car loan from a bank, credit union, or other lending institutions.您就可以得到汽车贷款，从银行，信贷联盟，或其他机构获得贷款。 The car that you buy will serve as collateral for the auto loan.汽车，你买将作为抵押品，为汽车消费贷款。 This means that the lender can repossess your automobile if you default on the car loan.这意味着贷款人可以repossess你的汽车，如果你拖欠汽车贷款。 Auto loans are a popular car financing option because they on average offer reasonable interest rates and are rather uncomplicated to get.汽车贷款是一种流行的汽车融资业务的选择，因为他们平均提供合理的利率并不算复杂，而得到的还要多。

Two factors are likely to affect the total cost of the car loan.两个因素都可能影响到总成本的汽车贷款。 One is the term or duration of the loan.一个是中期或期限较长的贷款。 On average, the longer the term of the loan, the lower your monthly installment will be.平均而言，较长的任期贷款，降低你的每月分期付款的形式。 But you'll end up paying additional towards interest and this will increase the total expenditure of the auto loan.但你会为此付出更多的努力和利息，这将增加总支出的汽车消费贷款。 If you can afford it, get a short-term loan.如果你能负担得起，获得短期贷款。 Your monthly installment will be higher, but you'll be paying less money over all.你的每月还款会更高，但你会付出更少的钱超过一切。 The second factor that may affect the total cost of your car loan is your credit rating.第二个因素可能影响到总费用，以及您的汽车贷款是你的信用评级。 Creditors with less-than-stellar credit history are commonly charged a higher interest rate because of the elevated credit risk.债权人低于恒星信用记录普遍收取较高的利息率，因为高架信贷风险。

Dealer Financing经销商融资

Like traditional auto loans, dealer financing is reasonably effortless to get.像传统的汽车贷款，经销商融资是合理轻而易举得到的还要多。 Most dealerships keep relationships with several lending institutions, so they can arrange car loans even for car buyers with blemished credit histories.大部分经销商的关系，保持与几个贷款机构，所以他们可以安排汽车贷款，甚至为购车族与玷污信用历史。 To compete with standard bank loans, most dealerships offer zero percent or extremely low interest on dealer loans.竞争水准的银行贷款，多数经销商提供零％或极低的利益，对经销商的贷款。 Still, such loans are available to car buyers with stellar credit ratings.但是，这种贷款是提供给购车族与恒星的信用评级。 Customer experts advise car buyers to get pre-approved on an auto loan from a bank or credit union before approaching the dealership for possible financing.顾客专家提醒新车的买家都可以获得预先核准对汽车消费贷款，从银行或信用合作社前接近经销商，为可能的资助。 By getting loan pre-approval from another lending establishment, a car buyer gets the upper hand when bargaining for a lower rate on a dealer loan.所获得的贷款预先核准从另一个贷款编制，一个汽车买主得到得势时讨价还价的一个较低利率对经销商的贷款。

Home Equity Loans and Home Equity Lines of Credit房屋净值贷款和房屋净值信用额度贷款

If you own a house and have accumulated considerable equity on your property, then you may consider getting a home equity loan or a home equity line of credit.如果你拥有一所房子，并已积累了相当的股本对你的财产，那么你可考虑一个家股本贷款或房屋净值信用额度。 Home equity loans are fixed or adjustable rate loans that you repay over a set time.房屋净值贷款都是固定或浮动利率贷款，你偿还超过规定的时间。 Home equity lines of credit are open-ended, adjustable-rate revolving loans with a maximum credit limit based on the equity of your residence.房屋净值信用额度贷款是不限名额，浮动利率循环贷款，最高贷款限额的基础上，公平，你居住地。 Home equity loans incline to have lower interest rates than credit cards and other types of individual loans.房屋净值贷款倾斜，以有较低的利息比信用卡及其他类型的个人贷款。 Interest payments on home equity loans may also be tax-deductible up to a certain extent.支付利息，房屋净值贷款也可免税达到一定程度的影响。 Home equity loans and home equity lines of credit use your home as collateral, so be sure you are financially qualified of paying the monthly installments if you don't want run the risk of losing your home.房屋净值贷款和房屋净值信用额度贷款使用你的家作为抵押，所以，请确保你是合格的财政来支付每月分期付款的，如果你不想贸然失去你的家。

Credit Cards信用卡

A credit card advance or credit card draft from your credit card company can assist you drive your dream car home.信用卡提前或信用卡草案从你的信用卡公司，可以帮助您在驾驶自己的梦想车回家。 Like home equity lines of credit, credit card advances or credit card drafts are revolving lines of credit with variable interest rates.如房屋净值信用额度贷款，信用卡透支或信用卡汇票是循环线路的信用与可变利率。 To entice existing customers to avail themselves of credit card drafts, credit card companies forgo cash-advance fees, assure low rates during the initial term of the loan, or offer high credit limits.为吸引现有客户利用自己的信用卡汇票，信用卡公司放弃现金预付费用，保证率低，在最初的任期贷款，或提供较高的信贷限额。 However, because credit card drafts are unsecured, they generally have higher interest rates than home equity loans, traditional auto loans or dealer loans.不过，由于信用卡汇票均为无抵押，他们普遍有较高的利息，比房屋净值贷款，传统的汽车贷款或经销商贷款。 Financing your auto purchase through credit cards could also leave you vulnerable to hefty penalty charges if you make a late payment or surpass your credit limit.融资您的汽车购买，通过信用卡也可以留给你容易受到巨额罚款收费，如果你一迟缴或超过你的信贷限额。