Calculadora de Préstamos para Motonieves
Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Préstamos para Motonieves
Los TAE típicos oscilan entre aproximadamente el 5,5 % y el 7,5 % para crédito excelente, del 7,5 % al 10 % para crédito bueno, del 10 % al 14 % para crédito regular y del 14 % al 18 % o más para crédito deficiente. Las ofertas promocionales al 0 % pueden aparecer cerca del final de la temporada para modelos nuevos.
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Sources & References
Powersports Seasonal Financing
Interest rates from snowmobile manufacturers' financing divisions and powersports lenders. Promotional rates typically available May-August (off-season) requiring excellent credit. Standard rates apply during peak season (September-January) when demand is highest.
Standard Amortization
Uses monthly compounding amortization for principal and interest. Does not include dealer fees, extended warranties, or aftermarket accessories which can add 10-20% to financed amount. Some buyers finance trailer and gear separately with different terms.
Seasonal Asset Considerations
Snowmobiles are purely seasonal recreational assets with 3-5 month use periods in most climates. Depreciation continues year-round while use is limited. Values fluctuate seasonally by 10-20%. Consider rental for occasional users (fewer than 10 days per season) before committing to ownership. Lenders typically require full coverage insurance.
⚠️ Seasonal Asset Considerations