¿Cuánto Coche Puedo Permitir?
Preguntas Frecuentes
Preguntas comunes sobre ¿Cuánto Coche Puedo Permitir?
Una calculadora inversa de préstamo para automóvil le ayuda a entender cuánto puede reducirse su préstamo automotriz o liquidarse antes de tiempo. Le muestra el impacto de los pagos adicionales en el saldo de su préstamo.
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Reverse Calculation Method
Calculator uses present value formulas to determine maximum loan amount based on payment budget, then adds down payment to show total affordable price. Assumes standard amortization with monthly compounding. Does not include sales tax, which can be financed in some states.
Budget Guidelines
The 10-15% of gross income guideline comes from financial planning standards and consumer debt research. Total transportation costs (payment + insurance + fuel + maintenance) should not exceed 20% of gross income to maintain financial flexibility for other goals.
Comprehensive Budget Planning
Consider total transportation costs beyond loan payments. Insurance varies widely by age, driving history, and vehicle type. Fuel costs depend on MPG and annual mileage. Maintenance increases with vehicle age. Emergency repair fund recommended. Avoid financing at upper limit of affordability—leave budget cushion for life changes.
⚠️ Comprehensive Budget Planning