Car Affordability ची गणना कशी करावी
Car Affordability म्हणजे काय?
Determines maximum car price based on income and debt levels following lending guidelines. Ensures car purchase doesn't overburden finances.
सूत्र
Monthly income × 0.15-0.20 = max monthly car expense
चरण-दर-चरण मार्गदर्शक
- 1Monthly income × 0.15-0.20 = max monthly car expense
- 2Account for insurance, gas, maintenance
- 3Calculate affordable loan amount
- 4Match to vehicle price and down payment
Worked Examples
इनपुट
$60k income
परिणाम
$18-24k budget
Common Mistakes to Avoid
- ✕Using net income instead of gross income
- ✕Not including all car costs (insurance, maintenance, gas, registration)
Frequently Asked Questions
What's the 20/4/10 rule?
20% down, 4-year loan max, car payment + insurance should be <10% gross income.
What if I exceed affordability guidelines?
Higher risk of default, financial stress, and inability to handle emergencies.
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