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ローン(^〇^)
- #1
-
- さるです
- 2003/09/21 05:16
どなたか、ソーシャルセキュリティーの取り方教えて!車買うのにローンがくめない(‐_‐)
- #5
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労働ビザのステイタスがあってクレジットヒストリーが400くらいあればできるみたいです。私の場合は車のローンで2枚以上のクレジットカード(3年以上使ってる事)を提示して取れましたよ*
ちなみにリースは断られました。
- #6
-
- はな87
- 2003/09/26 (Fri) 02:04
- Report
SSNが無いということは学生さんでしょうか?テロ以降はSSNのオフィスに申請に行っても、レター無しだと追い返される人が多いようですね。
クレジットヒストリーが少ないと、利率が高いローンしか組めないという噂。大変みたいですね。
- #7
-
- sed
- 2003/09/26 (Fri) 15:37
- Report
私が最初に車を買ったときは、ヒストリーがまったくなしの状態で、スコアに換算すると600点ちょっとでした。700点ないとAPRの良いローンは組めないと言われ、ファーストタイムバイヤーだからとかその他訳のわからん理由で結局APR13%(サラ金並)で契約しました。労働ビザは持っていたけれど、見せませんでした。3年のビザで3年のローンを組むのは拒否されそうだったから。SSNは必須でしょう。
結局3年のローンを5ヶ月で払ってほとんど利子は払わなくて済みました。現金で買うだけのお金はあったけれど、ヒストリーを作るためにローンを組んだようなものです。次回買い換えるときは自分の銀行やクレジットユニオンを利用するつもりです。ディーラーに紹介されるファイナンス会社は絶対に使いません!!!
- #8
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最近は S.S がなくてもローンが組めるところがあります。ある程度の条件は必要だけど、組めないわけではありません。だからと言って13%の利子を払わされることはありません。興味ありましたらメールください。
- #9
-
SSNが無いなら、これからナンバーもらって、クレジットカード作って、ヒストリーを作るのに1年以上はかかるよね。
今車が欲しいなら、現金で買える範囲の車にするしかないでしょう。
その間にヒストリー作れば今度は良い利率でローン組めるよ!
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