Calculadora de Pagos de Préstamos para Autos
Key Financial Terms
Understand the essential concepts behind this calculator
20/4/10 Rule
A conservative car buying guideline: 20% down payment, 4-year maximum loan, monthly payment ≤10% of gross income.
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GVWR (Gross Vehicle Weight Rating)
The maximum total weight a vehicle can safely carry, including the vehicle itself, passengers, cargo, and fuel.
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Negative Equity
When you owe more on a loan than the asset is worth—also called being 'underwater'.
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Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Pagos de Préstamos para Autos
Para utilizar la calculadora, ingresa el monto del préstamo, la tasa de interés y el plazo del préstamo. Luego, haz clic en "Calcular" para ver tu pago mensual estimado.
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Sources & References
Average Auto Loan Rates and Terms (2024)
Average new car loan: 6-7%, 67 months. Used car loan: 8-10%, 65 months. Excellent credit (720+): 4-6%. Poor credit (620-): 10-18%. Rates vary significantly by lender and credit score.
The 20/4/10 Rule for Auto Loans
20% down payment, maximum 4-year loan term, total monthly vehicle costs (payment + insurance + gas + maintenance) under 10% of gross monthly income. Following this rule prevents overextending on vehicle debt.
Avoid Being Underwater on Your Loan
Owing more than your car's worth (negative equity) is common with long loan terms and low down payments. If the car is totaled or you need to sell, you'll still owe money after the sale. Aim for 20% down and 48-60 month terms.
⚠️ Avoid Being Underwater on Your Loan