| | Last Updated: Oct 10th, 2008 - 10:21:40 最后更新： 2008年十月10日-1 0时二十一分四十秒 |
Is it time to retire your old car or truck and start shopping around for a new car?现在是时候退休您的旧汽车或卡车，并开始四处购物的一个新的车？ Do you know how to negotiate the price of a new car or truck, or do you just pray the dealership won't take advantage of you?你知道如何谈判价格的一个新的汽车或卡车，还是你刚才祈祷的经销商将不会利用你吗？ Learn the simple steps to protect yourself and get a new car or truck at or below dealer invoice price.了解简单的步骤来保护自己并获得一个新的汽车或卡车或低于经销商的发票价格。
Shopping For A Car?购物车？ Don’t Get Taken For A Ride!不要采取兜风！
by: James H. Dimmitt由：詹姆斯H Dimmitt
Imagine this ...想象一下，这... You're ready to buy a new car.你准备买一辆新车。 You've done your research on the web at a site like Edmunds.com so you know what the dealer has paid for the model you want.您完成您的研究在网络上现场一样Edmunds.com所以你知道，交易商已支付了模型你想要的。 Based on your information you've established your comfort zone for price haggling.根据您的资料您建立您的舒适区的价格讨价还价。
You walk into the dealership, meet with a salesperson, and begin negotiations.你走进经销商，与营业员，并开始谈判。 At the end of your test drive and haggling, you're confident that you've made the best deal possible.在结束您的测试驱动器和讨价还价，你相信你所做的最好的交易可能。 No way you're getting ripped off because this time you are an "informed consumer" unlike when you bought your last vehicle.没有您要撕下，因为这个时候你是一个“知情消费”当你与你上次买的车辆。
One final step stands between you and your brand new "ride" - financing.最后一个步骤看台之间的你和你的品牌新的“骑” -资金。 Your credit is outstanding so you get what you believe is the lowest possible interest rate from the dealership.您的信用卡是出色的，让您得到什么您认为是最低的利率可能从经销商。 You drive away in your shiny new vehicle triumphant!你赶在您的全新车凯旋！
Ready for a dose of reality?准备好剂量的现实？ According to a new study, there's a 1 in 4 chance that you've been "taken for a ride" by the dealer's finance department, especially if you are female or a minority, by as much as an extra $1,000.根据一项新的研究，有1 4的机会，你已经“采取搭车”的经销商的财务部门，特别是如果你是女性或少数人，多达额外的1000美元。
The Consumer Federation of America, a Washington, DC,-based consumer interest group, said consumers often pay additional fees in that process - totaling as much as $1 billion nationwide - without realizing they qualified for cheaper financing.消费者联合会的美国，在华盛顿特区，基于消费者的利益集团说，消费者通常要支付的额外费用在这一进程中-总计多达1 0亿美元的全国性-没有意识到他们资格更便宜的资金。
Here's what can happen behind the scenes: a bank approves an interest rate, the dealer tacks on additional percentage points as a kind of service fee and then the dealer and lender split the difference.这里会发生什么幕后：银行批准的利率，交易商大头针额外个百分点，作为一种服务费，然后经销商和贷款分裂的区别。
To be fair, not every dealer is guilty of this markup.公平地说，并不是每一个交易商是犯了这个标记。 However, enough are involved that many states are now considering new "truth in advertising" lending laws.然而，参与不够，许多国家现在正在考虑新的“真相广告中”贷款的法律。 New laws would require auto dealers to inform customers of the original rate offered by the bank and what the dealer is offering to the customer, after tacking on their additional finance fee.新法律将要求汽车经销商向客户提供的原始利率由银行和交易商提供给客户后，抢他们的额外资金费用。
Shopping around with your bank, credit union or the internet can help you to find the interest rate that you qualify for in a loan.周围购物与您的银行，信用社或互联网可以帮你了解利息，你获得了贷款。 Remember, the auto dealer is in business to sell cars, not to offer loans.请记住，汽车经销商在出售商业汽车，不提供贷款。
The next time you're in the market for a car, don't just research the model, make, and add-ons.下一次你在市场上的车，不只是研究的模型，制作并加载项。 Research fair interest rates as well so that you'll know if you're getting the best rate possible from the auto dealer or if you're being "taken for a ride."研究公平利率以及使你就会知道如果你得到最好的利率有可能从汽车经销商或如果你正在“采取兜风。 ”
About The Author作者简介
© 2004, www.yourfreecreditreportnow.com © 2004 ， www.yourfreecreditreportnow.com
James H. Dimmitt is editor of "TO YOUR CREDIT", a weekly free newsletter.詹姆斯H Dimmitt是编辑“您的信用卡” ，每周一次的免费电子刊物。 Subscribe to the newsletter by visiting http://www.yourfreecreditreportnow.com.订阅通讯访问http://www.yourfreecreditreportnow.com 。 He is also author of “Identity Theft - How to Avoid Becoming the Next Victim!” available at http://tinyurl.com/bc45他还撰文的“身份盗用-如何避免成为下一个受害者！ ”可在h ttp://tinyurl.com/bc45
jimdim815@aol.com
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