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Which things should be considered before buying Car?

 Purchasing your first car is an exciting time but there are certain  things that you need to think about to ensure you make the right  decisions. A car purchase has to be taken seriously because it is a lot  of money and you will want to purchase a car that is reliable, have good  resale value and easily affordable during the lifetime. So, what do you  need to think about when purchasing your first car?

1- Understand Your Budget

We  all want to drive expensive, luxury and fast cars but that is not  always a reality, so it is important to ensure that you have a realistic  budget in place. If you are using a car loan service to buy your first  car, this budget has to take into consideration car loan rates because  purchasing a car is a large financial commitment. As well as  understanding how much you want to spend, you need to think about how  much you spend in other areas of your life and where you might need to  spend in the future. This can be difficult, but make sure you do not use  up all of your spare cash to pay for the car.

2- Know the Running Costs

This  ties in with the previous tip and is one of the reasons why you should  not spend all of your remaining cash on a car. Owning a car comes with  additional costs known as running costs and this is what it costs to  keep the car on the road. You will need to think about car insurance,  fuel consumption, maintenance and tyres. These are costs that you will  have to cover every year, so plan ahead and consider what you can afford  as part of the overall budget.

3- Select a Car that Suits your Needs

If  you are going to be covering a lot of miles through traveling between  the cities, then you will need a car that is comfortable and has great  fuel economy. If you are going to do shorter journeys then you could do  with a smaller car that costs less. This will enable you to find the  best car financing in Pakistan for your needs.

4- Slow Down on the Car Loan Applications

Of  course, to purchase a car you will need to put finance in place but try  and hold back from making too many applications. The more applications  you make, the more desperate for credit you will look and this can  affect your credit report and give you a lower score. Usually people are  not aware of this. We suggest to use car loan comparison service such  as offered by mawazna.com and make applications for selective offers  only.

 

5- Find Out Your Credit Score

Applying  for car finance in Pakistan will require you to submit an application  with banks such as Bank Alfalah, HBL, Standard Chartered Bank, Bank  Islami, Allied Bank & Meezan Bank but understanding your credit  score first will save you time.

The Credit Information Bureau in  Pakistan collects all data from partner financial instituions and heps  banks and leasing companies to support the decion making about  particular customers. There are also few private credit information  bureau companies working in Pakistan who might be able to help to  understand the credit rating. Such information will make it possible to  understand your situation better which will prevent you from applying  for loans you are never going to get.

6- Check all Avenues of Finance

It  never hurts to look at every single finance offer available to you and  where you can get that financing from. Compare with Mawazna.com to  evaluate which car financing offers may be avialable to you. Then it is  worth speaking to the banks and loan providers and dealerships and see  what they can offer you because being armed with this information will  only enable you to make a more informed decision. Take a look at  promotions and see what discounts you can get because it will help you  to get more for your money.

7- Compare Car Financing Options Always Before You Select One

Financing  a car, means you will need to find a bank that will provide you the  funding what you require. Therefore, running a car loans comparison on  Mawazna.com will ensure you have clear loan information from all the  major banks in Pakistan. This makes it possible to find the best rates  which will make sure that you are spending within your budget.

8- Finally – Take the Car for a Test

Nobody  purchases a car without a test drive first. So, test drive as many cars  you want because you will spending a lot of money on one and you need  to make sure that you make the right decision on a car that is perfect  for you. Make sure you are fully comfortable with the drive and the  facilities on offer by a specific model of a car.

Mawazna.com is a  growing financial services comparison platform in Pakistan that enables  consumers to make more informed decisions when choosing financial  products and services including car financing, personal loan, home  financing, health, car, and travel insurance comparison, selection and  buying an insurance policy offered by leading insurance companies of  Pakistan. Visit us online to compare banking (all loan products  including car loans in Pakistan), insurance (car insurance, travel  insurance, and health insurance) and broadband products to make more  informed decisions.

originally published at: https://www.mawazna.com/blog/money-savings-ideas-for-millennials-in-pakistan/

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Does Scorpion USA offer discounts or freebies on your birthday?

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How to Improve Your Mountain Biking Experience

Improve your skills so that you will enjoy your mountain biking escapades more.
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