State Farm Insurance - Seguro de automóviles, vida, incendios

¿Debería pagar un vehículo en efectivo o financiarlo?


Precio de compra
$
Pago anticipado
$
Plazo del préstamo (meses)
Tasa de interés
%
Años que poseerá el vehículo
Su tasa de interés de ahorros
%
Sus tasas impositivas del estado y federales
%
Plazo:The period of a loan, generally measured in years. Auto loans: generally range between two and five years. Mortgage loans: generally 15 or 30 years.
Pago inicial:A down payment is the cash you deposit towards the purchase of equipment, or commercial vehicle. The larger the down payment, the less you are required to borrow. For equipment loans, a down payment of 20% of the equipment purchase price is generally required. The value of a trade-in can be used instead of a down payment when purchasing replacement equipment.
Tax rates:The Economic Growth and Tax Relief Reconciliation Act of 2001 cut individual income tax rates for all brackets except the 15% rate. A sixth tax bracket of 10% was also added for the first $6,000 ($8,500 in 2011) of income for single taxpayers, $10,000 ($12,150 in 2011) for single parents and $12,000 ($17,000 in 2011) for married taxpayers. For 2011, the six income tax rates are 10%, 15%, 25%, 28%, 33% and 35%.
Savings interest rate:The savings interest rate is the yearly interest rate you earn on your savings. It is also used to calculate the opportunity cost of paying with cash. In contrast, the saving rate is the percentage of income you save.
Cost-benefit analysis:For autos: an analysis that compares the cheaper of a) borrowing money to buy a car and paying the interest, with b), paying cash for a car, and losing the opportunity to earn a rate of return on the savings applied to the purchase. For homes: an analysis that subtracts the benefits of homeownership from the costs of homeownership to obtain a net cost. Included in costs are mortgage interest, discount points, closing costs, property taxes and homeowner's insurance, home maintenance costs, and any private mortgage insurance (PMI). Included in benefits are the tax savings on deductions for mortgage interest (including points) and property taxes, and an increase in equity that you receive either from repayment of the loan principal or from appreciation in the value of your home.

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