No car loan without prior comparison

Today many people have their own vehicle. Often unnecessary in the city , but indispensable in the country. Without your own savings, however, it is not possible to finance a new car from the postage fund. A bank can help by approving a car loan. However, this should by no means be concluded without a prior comparison, as reality shows.

Independent bank or manufacturer-linked bank?

When buying a new or used car , drivers usually have the choice of taking out a loan from an independent bank or from a manufacturer-linked bank. Both variants offer individual advantages, but also disadvantages.

 

Benefits

  • Cash discount
  • mostly without a deposit required, therefore well suited for people without savings
  • mostly favorable conditions
  • often even zero percent financing

Disadvantage

  • At certain promotional periods (or certain configurations), manufacturer-linked banks can actually be cheaper
  • special offers are often only valid for certain car models, only for new cars or only for certain equipment
  • special offers are often only available during certain promotional periods
  • a deposit is often required
  • Contract can only be entered into with an affiliated bank

 

Good to know: if you enter into a contract with an independent bank to finance a car, the money will often be transferred within a few days. This money could be used to pay for the vehicle in cash, so that borrowers benefit from the cash discount. This type of discount is therefore not possible through dealer financing.

What to look for when comparing car loans

With a loan comparison on the Internet, it is very easy to find out which conditions of a bank are really good. Different data can be compared in a matter of seconds, which would be difficult to overlook with a manual query.

The following points are particularly important when comparing car loans:

  • Purchase price: In the first step, those interested in a loan enter how high the purchase price of the desired vehicle is. This defines the final loan amount that is required
  • Duration: With this bar you can change a lot individually. A long term results in a low monthly rate. So if you only have little money available per month, you should choose the longest possible term. If, on the other hand, the monthly capacity for installments is higher (or if, for example, a higher down payment has been planned), the term can also be shorter.

Depending on these three data (or only depending on the desired purchase price and a desired term), the first loan offers can already be determined. Now it depends on the further details.

Important: Of course, the monthly rate that is offered in a car loan comparison is particularly interesting for the borrower.

Conclusion on the car loan with previous comparison

When buying a car, it is often about particularly high sums. Here users should rather compare two or three times before signing a contract. Instead of just consulting a car dealer, it makes sense to also include offers from independent banks. This often results in significantly better offers.…

Repairing car trailers from below

There are defects on the trailer that experienced mechanics or craftsmen can fix themselves, even though they have not learned the trade of automotive mechatronics. Even if it is easier to get under a trailer because it has more ground clearance than a car, there is an easy way to avoid having to work in a supine position.

Simply put the trailer up – or on its side, as you can see in the picture, all parts of the chassis, the frame and the ground can be easily reached. Two men, two corners and the hanger is on its side, it also works with a tilting device.

The trailer can be brought to a higher place using the support wheel, and the trailer can also be tilted to the side or the rear using various other devices.

A trailer can easily be tilted carefully on its side without causing any damage. Car tires, mattresses or a blanket can also be placed underneath to avoid scratches, the bike should lie on a firm surface, at least part of it so that it cannot be pressed into the floor when tipping over the bike.

Since most wheel arches are made of soft plastic, they are not damaged.

If there is no additional underlay, lawn or various greenery is sufficient to protect the trailer, only the ground should be firm so that various parts of the trailer cannot press into the ground. If the hanger lies with the entire side on the floor, there is also no danger.

The trailer should be secured against falling over in spite of its secure position, such as with straps or supports, a stable tree, a hook on a wall, etc., can be helpful.

Except for the side lying on the floor, all components are easily accessible. The components of the tailgate up to the hinges, side part, front side, floor and chassis parts – all work can be solved without any problems.

Has to be worked on the lower side, either underlay square timber or simply turn the hanger around or simply turn the upper part all the way down.

If the trailer is too heavy for two people to turn and turn, two people need to bring them or get large jacks from agriculture or truck repairs, these can be borrowed over the weekend for a tip or a packet of coffee.…