When choosing a brand, answer three key questions:
Posted: Tue Feb 18, 2025 10:43 am
If you don't want to use credit at all, be prepared for the fact that it will be difficult to save up for a new car. For example, in 2023, the average cost of cars in the showroom was 2.6 million rubles, and there is reason to expect prices to rise. With a small income, this task seems almost unattainable.
The main advantage of used vehicles is their lower price. Good high-end models can cost less than new cars from the showroom. But the costs at the first stage will not be limited to the purchase. You need to prepare funds for diagnostics and, possibly, repairs.
Car brand
How soon can you save up for the purchase. In conditions of high inflation, prices can grow faster than your savings. Therefore, it is worth limiting the plan to 2-3 years. If you manage to save up in this period, then the brand is suitable.
How easy will it be to service the car. If there are problems with pakistan mobile database the supply of parts, servicing will be expensive.
How well do you understand the features of the models. Each car has its own characteristic "diseases" that you will have to deal with. Some problems can be solved by repairing in the garage, while others require delivery of parts from abroad. Carefully study each model that you are considering for purchase.
To buy a car of European, American or Japanese manufacture, you need to immediately focus on the secondary market. Weigh all the pros and cons of buying such a vehicle, because parts and repairs will cost more and more.
In recent years, Russians have increasingly chosen Chinese brands - Chery, Geely, Haval, GAC, FAW, DongFeng. Demand for domestically produced models has also increased - Lada Granta, Lada Niva and some others.
How to save up for a car: stages
Before you start saving, you need to assess your income and expenses, calculate your costs, and set a reasonable financial goal. Let's talk about each step in more detail.
Evaluation of financial capabilities
To understand how much money you need, you first need to analyze how much you can put aside each month. To do this, do the following:
Calculate your average monthly income for the last six months. Consider not only your salary, but also other sources of income, such as from renting out real estate or irregular part-time jobs.
The main advantage of used vehicles is their lower price. Good high-end models can cost less than new cars from the showroom. But the costs at the first stage will not be limited to the purchase. You need to prepare funds for diagnostics and, possibly, repairs.
Car brand
How soon can you save up for the purchase. In conditions of high inflation, prices can grow faster than your savings. Therefore, it is worth limiting the plan to 2-3 years. If you manage to save up in this period, then the brand is suitable.
How easy will it be to service the car. If there are problems with pakistan mobile database the supply of parts, servicing will be expensive.
How well do you understand the features of the models. Each car has its own characteristic "diseases" that you will have to deal with. Some problems can be solved by repairing in the garage, while others require delivery of parts from abroad. Carefully study each model that you are considering for purchase.
To buy a car of European, American or Japanese manufacture, you need to immediately focus on the secondary market. Weigh all the pros and cons of buying such a vehicle, because parts and repairs will cost more and more.
In recent years, Russians have increasingly chosen Chinese brands - Chery, Geely, Haval, GAC, FAW, DongFeng. Demand for domestically produced models has also increased - Lada Granta, Lada Niva and some others.
How to save up for a car: stages
Before you start saving, you need to assess your income and expenses, calculate your costs, and set a reasonable financial goal. Let's talk about each step in more detail.
Evaluation of financial capabilities
To understand how much money you need, you first need to analyze how much you can put aside each month. To do this, do the following:
Calculate your average monthly income for the last six months. Consider not only your salary, but also other sources of income, such as from renting out real estate or irregular part-time jobs.