Chache alantou prè otomobil ou | Consumer Financial Protection Bureau

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class="block block--sub "> <ul dir="ltr" class="m-translation-links"> <li> <a href="/language/cfpb-in-english/shopping-for-your-auto-loan/" lang="en" hreflang="en" translate="no">English </a> </li> <li> <a href="/language/zh/shopping-for-your-auto-loan/" lang="zh-Hant" hreflang="zh-Hant" translate="no">中文 </a> </li> <li> <a href="/language/vi/shopping-for-your-auto-loan/" lang="vi" hreflang="vi" translate="no">Tiếng Việt </a> </li> <li> <a href="/language/ko/shopping-for-your-auto-loan/" lang="ko" hreflang="ko" translate="no">한국어 </a> </li> <li> <a href="/language/tl/shopping-for-your-auto-loan/" lang="tl" hreflang="tl" translate="no">Tagalog </a> </li> <li> <a href="/language/ru/shopping-for-your-auto-loan/" lang="ru" hreflang="ru" translate="no">Pусский </a> </li> <li> <a href="/language/ar/shopping-for-your-auto-loan/" lang="ar" hreflang="ar" translate="no">العربية </a> </li> <li>Kreyòl Ayisyen</li> </ul> </div> <div class="lead-paragraph"> <p data-block-key="rdfun">Chache alnatou prè epi eseye jwenn to ak kondisyon ki pi bon yo, menmsi sa konplike, se menm konparezon pou lè w ap achte lòt bagay. Chache alantou bonè ap fè w pare pou negosyasyon prè otomobil ou, epi sa ap fè pwosesis la mwens estresan.</p> </div> </div> <div class="block block--flush-top"> <div class="o-full-width-text-group"> <div class="m-full-width-text"> <h2 data-block-key="zj2tk">Prepare anvan ou aplike pou yon prè otomobil</h2><p data-block-key="9rgc7">W ap nan yon pi bon pozisyon pou chache alantou ak negosye pou yon prè otomobil si ou swiv etap sa yo anvan ou aplike pou yon prè.</p><h3 data-block-key="16i7v">Tcheke rapò kredi ou</h3><p data-block-key="3tlbu">Enfòmasyon ki nan rapò kredi ou ap detèmine nòt kredi ou yo. Nòt kredi ou jwe yon gwo pati nan detèmine ki kalite prè otomobil ou ka jwenn, ak konbyen enterè ou pral peye sou prè a. Men kèk resous itil:</p><ul><li data-block-key="fbp57">Pou jwenn yon kopi gratis rapò kredi ou chak ane nan chak twa ajans ki bay rapò sou kredi nan tout peyi a ale nan <a class="a-link" href="https://www.annualcreditreport.com"><span class="a-link__text">annualcreditreport.com</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="67sah">Pou aprann kijan pou tcheke rapò kredi ou pou erè epi konteste nenpòt ki erè ou jwenn ale nan <a class="" data-pretty-href="cfpb.gov/askcfpb/314" href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/">consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314</a></li><li data-block-key="fmc1m">Pou aprann sou rapò kredi ak nòt kredi yo, ale nan <a href="https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/">consumerfinance.gov/consumer-tools/credit-reports-and-scores</a></li></ul> </div> <div class="block"> <div class="o-well"> <h3 data-block-key="53x1t">Eske w bezwen yon ko-siyatè?</h3><p data-block-key="c54bv">Yon ko-siyatè se yon moun - tankou yon paran, yon manm fanmi, oswa yon zanmi - ki gen obligasyon nan yon kontra pou peye prè a menm jan ou ye a. Si istwa kredi ou limite oswa ou bezwen amelyore’l, epi ou gen yon pwen kredi ki ba (oswa pa gen nòt kredi), to enterè ou ta ka siyifikativman pi ba si ou gen yon ko-siyatè ak bon kredi oswa ekselan. Se paske kreditè a pral konte sou istwa kredi ko-siyatè a ak nòt nan deside fè prè a.</p><p data-block-key="1gd7q">Si w panse gen yon ko-siyatè, ou menm ak potansyèl ko-siyatè a ta dwe reflechi ak anpil atansyon sou desizyon sa a. Si ou pa ranbouse prè ou a, ou menm ak ko-siyatè w la ap responsab pou ranbousman an. Ko-siyatè a responsab pou prè a menmsi li pa gen dwa pou posesyon sou machin nan. Anplis de sa, nenpòt peman an reta ki fèt sou prè a li ka afekte dosye kredi ak eskò ou ak dosye kredi ak eskò ko-siyatè w la tou. Anjeneral, lalwa federal entèdi yon kreditè pou mande w gen yon ko-siyatè si w aplike pou yon prè endividyèlman epi ou kalifye dapre estanda kreditè a pou solvabilite pou prè a. Pou plis enfòmasyon sou ko-siyati vizite <a class="" data-pretty-href="cfpb.gov/askcfpb/811" href="https://www.consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811/">consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811</a>.</p> </div> </div> <div class="m-full-width-text"> <h3 data-block-key="8t4nh">Konsilte to denterè prè otomobil kounyè a</h3><p data-block-key="c65uf">Ou ka chache to denterè yo nan diferan bank, kredi inyon ak lòt pretè. Konsa tou ou ka ale sou Entenèt nan paj plizyè sant komèsyal ki ka ba ou yon estimasyon to denterè yo nan diferan zòn peyi a. Kèk sit entènèt ka konekte ou ak pretè espesifik oswa dilè pou ka ba ou estimasyon, kidonk li enpòtan pou ou fè atansyon ak ki kalite enfòmasyon pèsonèl w ap bay.</p><h3 data-block-key="5r2vc">Konsidere yon peman davans</h3><p data-block-key="8tnai">Yon peman davans ap bese kantite total ou bezwen finanse paske w ap bezwen prete mwens lajan. Toutotan peman davans la pi wo, se konsa total prè a ap pi piti.</p><h3 data-block-key="aqsro">Deside si ou vle chanje machin ou genyen kounye a</h3><p data-block-key="bhh6d">Si ou deja gen yon machin, chache konnen valè li pou wè konbyen ou ka mande pou li si ou ta fè yon echanj oswa si ou ta vann li an prive. Ou ka konsilte valè apwoksimatif machin nan sou sit entènèt kèk biznis tankou Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power and kèk paj anons sou entènèt. Resous sa yo ka disponib tou nan bibliotèk zòn ou an. Sa ka ede ou tou si ou ka jwenn enfòmasyon sou machin ki te vann pa lontan nan zòn ou an pou sa konnen pri yo byen.</p><p data-block-key="1fi04">Depi ou fin gen yon ide de konbyen lajan machin ou an koute, ou ka deside si w ap fè yon echanj oswa si w ap vann li oumenm. Si ou fè echanj machin nan kay yon vandè otomobil, oumenm ak vandè a ap deside ki valè nou dwe detèmine pou sa konnen pri pwochen otomobil la. Si ou vann machin nan ou poukont ou, ou ka itilize lajan lavant la kòm peman avans.</p><h2 data-block-key="cpj5o">Si machin ou pral vann nan gen yon prè otomobil aktif sou li, fòk ou panse desizyon an ak anpil swen</h2><p data-block-key="735dn">Konsidere ak anpil swen si ou dwe pran yon lòt kredi pou ajoute sou dèt ou te deja genyen an. Men kèk analiz ak etap:</p><ul><li data-block-key="bojes">Pran <b>kantite ranbousman</b> an, ki se kantite lajan ou bezwen pou peye prè a, nan men pretè ou gen kounye a avan ou ale nan biznis k ap vann machin nan.</li><li data-block-key="f3mj6">Deside si ou pral ranbouse prè ou genyen kounye a, tann jiskaske ou fin peye prè ansyen machin ou an anvan ou prete pou yon lòt machin, oswa mete kantite ou dwe toujou a sou machin ou an nan nouvo prè otomobil la.</li><li data-block-key="a6l47">Si ou dwe plis sou machin ou an ke valè li — ke yo rele <b>alanvè</b> — lè sa ou gen yon <b>valè negatif</b>. Si ou envesti balans prè machin ou gen deja a nan nouvo prè otomobil la, sa ka fè nouvo prè otomobil la pi chè anpil. Pri total prè a ap pi wo paske ou pral prete plis pase pri nouvo machin nan.</li><li data-block-key="6t4u8">Apre ou fin etidye pri echanj la, si kantite ou dwe sou chanjman an pi piti ke valè reyèl la, asire pandan nenpòt negosyasyon ou konsidere si ou va jwenn yon bon valè pou echanj machin lan epi si w ap ka ranbouse ansyen prè otomobil la.</li></ul> </div> <div class="block"> <div class="o-well"> <h3 data-block-key="m8tu6">Èske ou toujou dwe sou echanj ou an?</h3><p data-block-key="9g3b9">Si ou panse reenvesti balans ansyen prè a nan nouvo a, asire ou konprann kijan sa pral afekte pri total nouvo prè ou an. Pran san ou pou gade pri total prè a ansanm ak tout kantite yo prete w la, to pousanj lane a (APR), to denterè a, dire prè a (nan kè mwa), epi peman chak mwa– anvan ou asepte nenpòt bagay. Si ou pa pase lajan ou dwe sou ansyen machin ou sou nouvo prè a, epi ou toujou gen premye machin nan pandan ke ou achte yon nouvo, w ap gen de (2) prè ak de (2) peman pou fè chak mwa. Lòt kote, ou ka bezwen konsidere si sa gen sans pou kontinye tranzaksyon an epi achtè yon nouvo machin pandan ou dwe toujou sou premye machin ou vle chanje a. Pou jwenn plis enfomasyon ale nan <a class="" data-pretty-href="cfpb.gov/askcfpb/779" href="https://www.consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779/">consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779</a>.</p> </div> </div> <div class="m-full-width-text"> <h3 data-block-key="8t4nh">Panse sou opsyon adisyonèl yo anvan</h3><p data-block-key="3tk6a">Lè ou ale kote dilè machin nan, y ap ofri ou pwodwi ak sèvis adisyonèl pou machin nan oswa pou prè a. Se yon bon lide pou panse sou sèvis ekstra sa yo depi kounye a, konsa ou p ap gen twòp preyokipasyon kay dilè a, epi w ap gen repons tou pare lè yo poze ou kesyon sou sèvis ekstra yo. Sèvis ekstra yo gen anjeneral:</p><ul><li data-block-key="a71f8"><a class="" data-pretty-href="cfpb.gov/askcfpb/825" href="https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/"><b>Kontra sèvis oswa pwolonjman garanti</b></a></li><li data-block-key="bvv4k"><a class="" data-pretty-href="cfpb.gov/askcfpb/797" href="https://www.consumerfinance.gov/ask-cfpb/what-is-guaranteed-auto-protection-gap-insurance-en-797/"><b>Asirans Garati Pwoteksyon Otomobil (GAP)</b></a></li><li data-block-key="8hlak"><a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="https://www.consumerfinance.gov/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/"><b>Asirans kredi</b></a></li><li data-block-key="e4flt"><b>Karakteristik adisyonèl machin nan</b>, tankou sistèm alam, vit tente, pwoteksyon kawoutchou ak wou, ak lòt pwodwi</li></ul><p data-block-key="bu6rh">Pwodwi ak sèvis sa yo, ke ou ka finanse, se si ou vle. Si ou achte yo, pri a negosyab. Si ou panse ou vle achte pwodwi oswa sèvis sa yo, chache fè konparezon. Pa egzanp, konpayi asirans otomobil ou an ka ofri asirans GAP, asiranks kredi, oswa lòt chwa. Si ou finanse sèvis opsyonèl yo nan prè ou pran an, kantite ou prete ak sa ou gen pou peye a ap ogmante.</p><p data-block-key="61i2c">Kounye a ke ou fè devwa ou, ou prè pou pase lòt etap la, ki se chache konpare prè otomobil ou an. <a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_auto_loan_worksheet.pdf"><span class="a-link__text">Itilize papye prè oto a nan consumerfinance.gov pou swiv tras tèm prè yo epi konpare opsyon.</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> Ale ak fèy kalkil la nan bank la, kredi inyon, lòt pretè, ak dilè a pou ou sa konpare opsyon kredi epi deside sa ki pi nan avantaj ou.</p><h2 data-block-key="82bj6">Chache alantou prè otomobil ou</h2><p data-block-key="dqthp">Kounye a ou pare pou chache alantou prè otomobil ou an. Anvan ou ale kay dilè a, reyini tout enfòmasyon pèsonèl ou epi panse jwenn apwobasyon prè a davans.</p><p data-block-key="fibri">Chache alantou bonè ap fè w pare pou negosyasyon prè otomobil ou, epi sa ap fè pwosesis la mwens estresan.</p><h3 data-block-key="f6jf9">Reyini enfòmasyon pèsonèl ou</h3><p data-block-key="9jmdf">Lè ou prale labank, kredi inyon, oswa kote vandè machin nan, asire ou gen tout enfòmasyon ke ou bezwen. Pretè yo jeneralman mande enfòmasyon sa yo nan yon aplikasyon pou prè:</p><ul><li data-block-key="74aut">Non</li><li data-block-key="2vgar">Nimewo Sekirite Sosyal oswa ITIN</li><li data-block-key="7uajc">Dat ou fèt</li><li data-block-key="cjcb3">Adrès aktyèl ak adrès anvan yo epi konbyen tan ou te rete nan kay la</li><li data-block-key="99t82">Kote w ap travay, travay anvan yo epi konbyen tan ou fè nan travay yo</li><li data-block-key="dp7sm">Okipasyon ou</li><li data-block-key="bd3cl">Sous revni ou yo</li><li data-block-key="1187a">Revni total avan taks</li><li data-block-key="f1g4c">Enfòmasyon finans ou de kont kredi aktyèl, ansanm ak lòt dèt</li></ul><h3 data-block-key="7gm0l">Jwenn pre-apwobasyon pou yon prè</h3><p data-block-key="7cvd1">Lè ou jwenn pre-apwobasyon pou prè oswa kalifye pou yon kantite maksimòm prè ak to denterè nan bank, kredi inyon, oswa lòt pretè, sa se yon bon kote pou kòmanse. Si ou pote yon estimasyon prè de yon pretè bay dilè a, ou dwe nan yon pozisyon gwo negosyan pou ta jwenn yon pi bon afè, swa ou rete ak pri ou te pote a oswa ou deside asepte òf finansman dilè a.</p><p data-block-key="1ckbs">Pre-apwobasyon ka ede ou tou rete nan limit bidjè ou epi ede ou konpare to denterè yo san presyon tan ou ka santi yon fwa ke ou kaydilè a. Apresa kay dilè a, ou ka konsantre ou plis sou pri aktyèl machin nan ak pri echanj la paske w ap deja konnen tout bagay ke ou bezwen sou kondisyon prè a. W ap toujou gen chwa pou negosye yon prè ki pi bon kay dilè a epi pa itilize pre-apwobasyon.</p><p data-block-key="23u7h">Si aplikasyon ou resevwa pre-apwobasyon, pretè a ap ba ou dokiman pou pote bay dilè a. Yon fwa ke ou pare, dilè a ap fè dènye aranjman yo ak pretè ou an.</p><h3 data-block-key="9e9g">Konprann kijan chache alantou yon prè afekte nòt kredi ou</h3><p data-block-key="ed00">Chache pi bon zafè nan prè otomobil jeneralman gen yon tikras oswa ankenn enpak sou nòt kredi ou(yo). Benefis rechèch la pi enpòtan lontan pase nenpòt enpak sou kredi ou. Nan kèk ka, si ou aplike pou plizyè prè pandan yon peryòd tan ki long, sa ka bese nòt kredi ou. Toudepan ki modèl nòt kredi ki itilize, jeneralman nènpòt kesyon oswa ankèt pretè yo sou nòt kredi ou ki fèt nan yon espas tan ki soti 14 pou rive 45 jou ap konte tankou yon sèl ankèt. Sa vle di ke chache yon prè otomobil pandan peryòd tan sa ap konte tankou ou te aplike pou yon sèl prè. Ou ka redwi nenpòt enpak negatif sou nòt kredi ou si ou fè tout envestigasyon to denterè yo nan yon peryòd tan ki kout.</p><h3 data-block-key="ff4qh">Konnen dwa ou</h3><p data-block-key="4epq2">Yon pretè pa ka dekouraje ou oswa refize aplikasyon kredi ou, oswa ofri ou pri diferan oswa lòt tèm ak kondisyon de prè sou baz ras ou, koulè, relijyon, nasyonalite, sèks, eta sivil, laj, poutèt ou resevwa revni asistans piblik, oswa egzèsis bòn fwa nenpòt dwa ki nan Lwa Pwoteksyon Konsomatè Kredi a.</p><p data-block-key="55jgs">Ou ka depoze yon plent sou entènèt nan Komisyon Komès Federal la (FTC) nan <a class="a-link" href="https://reportfraud.ftc.gov/"><span class="a-link__text">reportfraud.ftc.gov</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 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