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車の学生ローン
- #1
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- sab
- 2003/08/31 06:29
今、車を(中古車)購入しようと考えているのですが、SSNも持っていないし、学生なのですが、中古車を売ってるDealerとかで購入するとしたら、ローンを組んだ場合、どれくらいの頭金が必要になるのでしょうか。
また、お勧めの中古車Dealerがあれば併せて知りたいです!
- #2
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- 生ぬるい牛乳
- 2003/08/31 (Sun) 10:37
- Report
間違ってたらゴメン。
俺が思うに、SSN持ってない=こっち発行のクレジットカードも持ってない=クレジットヒストリーもビルドアップされてないと思うんだけど、こういう人にローン組んでくれるのかな?あとF-Visaでしょ?組んでくれるとしても、こっち在住の保証人が必要だと思う。
頭金は、そのディーラーや買う車によって変わってくる。よく宣伝で頭金ゼロとかってやってるけど、車によりけりだしね。とりあえず、君がほしい車を置いてるディーラー行って、話だけでも聞いてみたほうがいいよ。これが一番正確だし、手っ取り早い。
そそ、ローンじゃわかんないけど、車の購入は月末がいいよー。セールスも必死だから、特に今日なんて。(笑)
- #3
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- 質問です
- 2003/08/31 (Sun) 11:34
- Report
#2さん、なんで月末だとセールスが必死になるんですか?
- #4
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- sorewa
- 2003/08/31 (Sun) 11:49
- Report
そりゃ一応売り上げ達成額みたいのが月ごとにあるからじゃないの?
車の購入はできれば月末、年末もいいんだよね?ある程度常識??
ついでにポリスのネズミ捕りも月末と月初めは多いです☆
- #6
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知り合いの駐在員の奥さんも今年からリース契約が難しくて断られたって聞きました。その前の上司の奥さんは簡単に契約できたそうです。きちんと会社勤めの家族も無理なら学生のリースは難しいとおもうなあ。
- #7
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- 駐在員
- 2003/09/05 (Fri) 07:47
- Report
#6
奥さんが直接リースしようとしたから無理だけど、駐在員の旦那さんが契約すれば問題ないよ。
私は駐在員じゃないけど、クレジットヒストリーが無いから、何回もディーラーへ足を運んだりして、ローン審査は厳しかった。働いてるから大丈夫だと思ったけど、そう甘くなかったよ。結局は頭金をかなり入れて下りたけど、こんなに厳しいんだーって感じ。疲れたー
- #8
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#7さん。奥様はいつ頃リースの契約ができたのでしょうか?友人の奥様は今年の4月だそうです。もちろん旦那さんが契約しにいってSSNもクレジットヒストリーも持ってるそうです。よかったらどこでリース契約ができたか教えていただけますか?宜しくお願いします。
- #9
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#8さん、リースじゃなくてローンだった、ごめん。でも違いあるのかな?
私が買ったのは今年7月、まず初めに「駐在員か?」って聞かれて「違う」って言ったら「駐在員だったら簡単にローンが下りるのに」って言われ「馬鹿にしてるのか?」と思った。でも駐在員さんって信頼あるんだなってほんと羨ましかった。
- #10
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#7さんご回答ありがとうございました!その奥様とさっき電話で話したんですがローンは問題ないそうですがリースはやっぱり他をあたっても断られるそうです。こっちに来てまもなく、しかもクレジットヒストリーも1年くらいだからかもしれないですね。
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