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Making The Decision To Refinance Your Car Loan - 3 Things To Consider
Before you make the decision to refinance your car loan, there are some things you need to consider. This article offers tips on what to consider before refinancing your car loan:
Interest Rate
The most common reason a person wants to refinance is to get a better interest rate. Perhaps you had bad credit when you took out your car loan, and, now that your credit has improved, you want to refinance under a better interest rate. Or, perhaps the prime rate is lower now than it was when you financed, and you want to take advantage of lower rates. A lower interest rate will save you a lot of money if you have more than a year left on your car loan; however, interest rates are not the only things you need to consider.
Prepayment Penalties
So, youve done all of your calculations, and you know that refinancing under a better interest rate will save you a lot of money. However, you need to consider prepayment penalties in your calculations. Say that refinancing will save you $2000 over the life of your loan. If your current loan has $2000 in prepayment penalties, its not going to benefit you to refinance. Check your loan documents for information on prepayment penalties. If youll be charged them, make sure to add that amount into your calculations.
Length of the New Loan
If you currently have two years left on your loan, youre not going to save money by refinancing under a better interest rate for a longer number of years. For example, if youre currently paying 16% interest on a loan that has two years left on it, and you refinance for a four year loan with 8% interest, youll end up paying the same amount of interest. If youre just looking for a lower monthly payment, this might be the way to go. However, if youre looking to save money, youll need to add the length of the loan into your calculations.
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More Useful Resource and Updates on las vegas mortgage refinance loans
- Hungary Proposes $3 Billion Aid Package for Banks (Update1) (Bloomberg)
Nov. 6 (Bloomberg) -- Hungary proposed a 600 billion- forint ($3 billion) aid package to recapitalize banks and help them refinance debt. The plan, part of a 20 billion-euro ($25.8 billion) rescue package from the International Monetary Fund , the European Union and the World Bank, will be evenly split between a Capital Base Enhancement Fund and a Refinancing Guarantee Fund, Magyar Nemzeti Bank ...
- Hungary to give banks $3 billion capital boost (San Francisco Chronicle)
Hungarian financial authorities say they are ready to provide local banks up to 600 billion forints ($3 billion, 2.3 billion euros) to boost banks capital and help them refinance debts. The government plans to present the package to parliament on Monday and...
- Sirius XM in Talks to Refinance Debt, Cuts Forecast (Update1) (Bloomberg)
Nov. 6 (Bloomberg) -- Sirius XM Radio Inc. , the only U.S. pay-radio broadcaster, said it's in talks with banks to refinance debt due next year and lowered its forecast for subscriber growth, citing a slowdown in new car sales.
- Girls hockey and Friends Neighbors (Marshfield News Herald)
The Marshfield Girls Varsity Hockey Team finds ways to give back to the community. Columnist Carolee Ruhnke shares her hope for unification in America in her Friends Neighbors column. Veterans may refinance their home mortgages through the VA. Read news from your community on the News-Heralds Communities pages.
- Hungary to give banks $3 billion capital boost (AP via Yahoo! News)
Hungarian financial authorities say they are ready to provide local banks up to 600 billion forints ($3 billion, 2.3 billion euros) to boost banks capital and help them refinance debts.
- U.S. home-loan applications fall 20.3% (Providence Business News)
APPLICATIONS TO REFINANCE fell 27.8% last week, to 42.9% of applications, as interest rates on fixed-rate loans crept skyward, the MBA found.
- Lloyds' news is bad for Barclays (Guardian Unlimited)
Lloyds TSB has spelled out today that there is no five year ban on dividends as first thought for the banks taking taxpayer cash. Lloyds plans to refinance the preference shares that it is issuing to the government next year and then intends to start paying dividends again. Good news for Lloyds shareholders - and those in HBOS who will be consumed into the wider group assuming the ...
- Sirius Is in Talks to Refinance Debt, Cuts Subscriber Forecast (Bloomberg)
Nov. 6 (Bloomberg) -- Sirius XM Radio Inc. is in talks with financial institutions to replace convertible debt due next year. The company also lowered its subscriber forecast for next year.
- Earnings roundup: General Growth, Radian (AP via Yahoo! Finance)
Shares of troubled mall owner General Growth Properties Inc. plunged Wednesday after the company reported disappointing third-quarter results, cut its year-end forecast and said it needs to refinance $900 million in debt by the start of next month.
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