While the coronavirus is wandering across the planet, most people (I hope) sitting at home. Although the economy is supposed to work, while half of the people opposed measures of prevention, the question of lifting measures isolation — is still blurry the distance. Lately, I often see information on what the automotive companies suffer billions in losses due to the lack of sales. Perhaps the cars after the pandemic rush to buy a few, but let's see how many actually have to cost a new car from the point of view of the economy, and what you can afford in new reality.
Because I like to compare the numbers and analyze the data that we'll do today. I do not give rest to the 2 articles, so they I'll start. Says auto Dmitri Popov
I'm guessing the sedan should cost 20-25 wages. In my opinion, the car need to get a car loan without a down payment, then to pay off this loan in about three years. All the financiers and economists say that credit strategy is reasonable, when it is no more than a third of the total income of the person.
But the opinion of the head of Federation of automobile owners of Russia Sergei Kanaeva:
The World practice says that this is about 2-3 years. The car changed every three years. For this reason, the warranty periods car dealers are the same, and everybody understands that. Three years, changed the car. If it is on the world, but we have a slightly different situation.
Overall, these 2 opinions complement each other. The only — Kanaev against loans and says that the required amount on a car you just need to put off salary: 20,000 — 30 000 to buy a new Chinese SUV or ordinary car.
Seems to work, but I'm a little not understand, who is their scheme. On the middle class? In my opinion, the middle class, which represents 90% of the people the reality is not the same.
Increase revenue, or something else is hidden here?
In all this I am confused on a few points which I would like to talk further. Western experts have really put some economic trends for the purchase of the car. The most frequently recognizable: the 20/4/10 rule, and rule for 10 years. What they mean: the first installment must be equal to 20% is paid the loan is a maximum of 4 years and go to the cost of transport has a maximum of 10% of the total income. Transport costs here — that mortgage payments, gasoline and insurance.
The Minimum cost of the new Lada Vesta is around 600-650 thousand rubles. And so I think the international norm: making 120 thousand of the initial fee, I 480 000 take a loan, say at 9% for 3 years. Even if not to take into account the interest will on a monthly basis at 13,000 rubles.
Popov claimed that 20-25 wages — it is 600,000 rubles. That is, SN is equal to 30 000. Kanayev said that you need to set aside 20-30 thousand to over 3 years to accumulate the equivalent of a new Chinese SUV. It turns out, output two: or you need to earn a minimum of 130 000, so everyone can afford a new drive, or need to eat 20-25 months to buy a new car and be within 3 years.
Most of all, Popov is not meant for 3 years, when talking about the loan, but if we are talking about more than 10 years, is the game worth the candle? I don't know about 10 years to pay for the car, but to read great news on our YouTube channel — always worth it.
I can't call their friends among the crowd of people that can lay 30, 000 after expenses. And those who earn 24 to 30 thousand rubles per month, prefer new Lada Vesta, and the old VAZ-2107 garage toys and cars every day. In General, unclear what that statement out. Add to this the snobbery that occurs often enough, and I do not understand, who buys a new vest. I'm not a hater of AVTOVAZ, but somehow over 600, 000 like the old «Japanese». Not enough.
If you only make 30 Grand a month, it turns out: your maximum spending on transport costs — 3 000. Here for 4 years without interest you will need to return the 144 000. Provided that the 144,000 — 80% of the car value, the real value of the car will be about 180 000. It's not Vesta, but rather a VAZ-2114 in good condition. In this case the machine will not be a burden. Otherwise, either earn more or stretch the purchase for years to come, but do not forget that in this case, you face the risk of additional costs if the machine is completely broken or crack over time.
By the Way, since I started talking about time, then immediately talk about a 10 year rule that was mentioned earlier. In a nutshell: if you want to get maximum benefit from a car when buying a new car she must serve at least 10 years.
Value your time
I did not aim to reduce the sale of a car, and showed my calculations, taking into account the Russian reality. And then to choose you. SN its you know the formula you have. What is more important:momentary luxury, for which you'll pay with your time or life on the financials?
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