Looking for a new car over the holiday weekend? It may be challenging to find an affordable one, given rising prices and higher financing costs.
The long Presidents’ Day weekend is traditionally a popular time to buy a car, as dealers advertise sales, including deals on last year’s models still sitting on their lots.
Yet people who haven’t shopped for a car in several years may find that they will have to spend thousands more than they did the last time they bought a new vehicle, said Matt Jones, senior consumer advice editor with the auto website Edmunds.
“The change could be dramatic,” Mr. Jones said, suggesting that returning shoppers should be prepared for “sticker shock.”
The average transaction price for a new car was expected to top ,000 in January, Edmunds found. (Average sale prices are higher, in part, because of consumers’ preference for more expensive sport utility vehicles and high-end pickup trucks, said Anil Goyal, executive vice president for operations at Black Book. He also cited the effect of more costly technology options offered in new cars, along with the impact of new tariffs on steel and aluminum.)
Edmunds found that the average interest rate for new cars bought with financing reached 6.19 percent in January, the second-highest monthly reading in 10 years and up from 4.99 percent in January 2018 and 4.22 percent five years ago. Zero-percent-financing offers are less plentiful, reaching their lowest level since 2006, the site found.
The upshot? The average new car payment is about 1 a month, Edmunds found. Ouch.
One reason for the increase in the cost of cars is the “trickle-down” of luxury features — heated steering wheels, for instance — to lower-end models, said Jeff Bartlett, deputy editor specializing in cars at Consumer Reports. Also, the advent of features like automatic emergency braking, blind-spot warning and forward-collision warning can make cars much safer, he said, but also add to the price.
As cars become more expensive, consumers are financing them with longer-term loans to reduce monthly payments. A typical car loan used be three years, or four at the most. Now, five- and six-year terms are common.
While longer loans make payments affordable, they can put borrowers at risk for being “upside down” on the loan, or owing more than the car is worth, said Laura Adams, education analyst at DriversEd.com. That can be a problem if the owner wants to trade in the car for a new model during the term of the loan, or hits a financial bump and needs to sell the car quickly.
Even with longer loan terms, there are new signs that borrowers are having trouble keeping up with their payments. The Federal Reserve Bank of New York reported this past week that a record seven million Americans were three months or more behind on their car loans.
While shoppers may find deals on Presidents’ Day weekend, there may be better offers in the spring because of another factor. Early signs are that income tax refunds are smaller than expected because of changes resulting from the 2017 tax law.
Because consumers often put their refunds toward the purchase of a car, that could result in “slightly lower demand for car shopping this spring,” according to Black Book, which provides car pricing guides for dealers and lenders.
That, in turn, could translate into more dealer incentives this spring to move cars off sales lots, Mr. Bartlett said.
Or, Mr. Goyal of Black Book said, it could just mean that shoppers will adjust their sights, and choose lower-cost new cars, or perhaps used autos, instead.
Here are some questions and answers about car shopping on the long weekend:
How can I get the best price on a new car?
Don’t be pressured into buying something just because it’s the holiday weekend and dealers are promoting sales, Mr. Bartlett said. “Buy when it’s the right time for you,” he said. “There’ll always be another car buying opportunity. There’s no shortage of cars.”
If you’re ready to shop, do some homework online about models and prices before you visit a dealership to strengthen your negotiating position and reduce stress.
“Do your research in advance, have a short list and test-drive all of them,” he said. Tell the dealer that you’re not buying yet, to help reduce pressure.
For a three-day weekend, Mr. Jones suggested narrowing your list to two or three models by Saturday. Test-drive the cars on Sunday, then buy — if you’re ready — on Monday.
Also, be flexible. Overall car quality has improved immensely, Mr. Jones said, so you may be able to find an affordable option by looking beyond your first choice. “Take off your blinders, if you’re loyal to one brand,” he said.
Do I have to use the dealer’s financing offer?
No. Consider getting preapproved for a loan at your own bank or credit union before visiting a dealership, Ms. Adams said. That way, you’ll know how much money you qualify for and you’ll have a base rate to compare with the dealership’s offer.
While buying is generally less expensive than leasing over all, shoppers may want to consider leasing in certain situations — if, say, a teenager is going to be driving the car. Leasing may make a car with the latest safety features more affordable, which is an acceptable trade-off if an inexperienced driver is behind the wheel, Mr. Bartlett said.
How can I judge if a car is affordable for me?
A good rule of thumb is “20-4-10”: Put at least 20 percent down in cash, stick to a four-year loan, and aim for a monthly payment that is no more than 10 percent of your gross income.
Mr. Bartlett’s general advice is to pay cash for a car, if you can. If financing is a must, a loan term of 48 months at the most, at a rate as near zero as possible, is the next best option. “Going beyond that is a bad investment on a depreciating asset,” he said.
Many shoppers, unfortunately, are dazzled by cars that cost more than they can afford, he said. So it’s a good idea to keep long-term financial goals in mind.
“Buying a more humble vehicle or buying used can save money today, help achieve the long-term goals and will still get you from point A to point B,” he said.
Used cars — particularly a reliable model that’s just a few years old — are often a smart compromise, Ms. Adams said. You’ll still get recent safety features but at a more affordable price. The average monthly payment on a used car, Edmunds found, is 7 a month.
四中四复式公式表【在】【冥】【河】【还】【没】【开】【始】【游】【历】【洪】【荒】【的】【时】【候】，【就】【在】【血】【海】【四】【处】【游】【荡】，【他】【最】【终】【发】【现】【了】【盘】【古】【殿】【与】【血】【海】【的】【关】【联】【点】，【通】【过】【那】【个】【关】【联】【点】，【冥】【河】【踏】【入】【了】【盘】【古】【殿】【之】【中】。 【这】【样】【就】【被】【十】【二】【祖】【巫】【集】【火】【打】【跑】。【而】【且】【十】【二】【祖】【巫】【也】【同】【样】【通】【过】【那】【个】【关】【联】【点】，【杀】【戮】【到】【了】【血】【海】【那】【边】【了】。 【双】【方】【彼】【此】【因】【为】【打】【斗】【而】【互】【有】【往】【来】，【大】【家】【彼】【此】【都】【比】【较】【熟】【悉】【了】。 【所】【以】，【冥】【河】【在】
【奥】【西】【里】【斯】【号】【通】【过】【了】HER【北】【美】【军】【队】【的】【防】【线】，【已】【经】【进】【入】【了】【无】【人】【区】，【但】【现】【在】【没】【有】【一】【个】【人】【卸】【下】【戒】【备】，【因】【为】【谁】【也】【不】【敢】【保】【证】HET【会】【突】【然】【翻】【脸】【发】【动】【攻】【击】。 “HER【的】【防】【线】【有】【动】【作】【吗】？” “【没】【有】，【安】【东】【中】【士】，【他】【们】【还】【在】【堪】【萨】【斯】【城】【外】【集】【结】。” “【武】【侯】【级】【呢】？【没】【有】【跟】【上】【来】【吗】？” “【没】【有】，【他】【们】【似】【乎】【是】【在】【防】【线】【那】【里】【停】【住】【了】。
【沐】【九】【卿】【生】【怕】【眼】【前】【的】【都】【是】【一】【场】【梦】，【醒】【来】，【一】【切】【都】【会】【消】【失】【不】【见】。 【若】【真】【是】【梦】【的】【话】，【也】【好】，【那】【就】【让】【他】【永】【远】【不】【要】【醒】【来】【好】【了】。 【看】【着】【那】【张】【不】【同】【样】【貌】，【却】【是】【同】【样】【绝】【美】【的】【容】【颜】，【沐】【九】【卿】【小】【心】【翼】【翼】【地】【抬】【起】【手】。 【凌】【若】【云】【眸】【光】【微】【闪】，【就】【在】【他】【的】【指】【尖】【即】【将】【触】【及】【自】【己】【的】【时】【候】，【凌】【若】【云】【却】【是】【突】【然】【转】【身】，【朝】【屋】【内】【走】【去】。 “【若】【云】——” 【沐】
（【搁】【置】【了】【好】【久】，【最】【后】【决】【定】，【这】【本】【书】【不】【写】【了】！【这】【是】【书】【的】【大】【纲】，【希】【望】【追】【更】【的】【读】【者】【可】【以】【看】【下】【去】！【谢】【谢】！） 【卷】【一】：【天】【变】【不】【足】【畏】 【秦】【情】【被】【林】【霸】【欺】【辱】，【秦】【风】【过】【去】【帮】【忙】，【结】【果】【被】【打】【倒】【在】【地】。 【秦】【风】【于】【是】【如】【森】【林】，【打】【野】【怪】【升】【级】【到】【了】【地】【万】【境】7【层】。 【出】【森】【林】【遇】【见】【别】【人】【讲】【四】【大】【门】【派】，【然】【后】【秦】【风】【在】【镇】【中】【大】【比】【战】【胜】【了】【林】【霸】。 【林】【家】【人】【不】四中四复式公式表【后】【来】，【她】【想】【到】【了】【她】【的】【妹】【妹】【冥】【清】，【冥】【清】【还】【在】【空】【灵】【谷】，【她】【要】【回】【去】。 【可】【羽】【君】【生】【已】【经】【带】【她】【到】【了】【若】【水】【河】【畔】，【她】【却】【还】【整】【个】【人】【浑】【浑】【噩】【噩】【的】【想】【要】【回】【去】，【被】【羽】【君】【生】【打】【了】【一】【耳】【光】，【丢】【上】【了】【船】，【那】【船】【上】【不】【知】【被】【羽】【君】【生】【施】【了】【什】【么】【法】【术】，【带】【着】【她】【以】【御】【风】【般】【的】【速】【度】【逃】【离】。 【若】【水】【飘】【荡】【三】【日】，【她】【才】【被】【人】【救】【下】，【到】【那】【时】，【她】【也】【才】【发】【现】【羽】【君】【生】【给】【她】【留】【下】【的】
“【涤】【心】……” 【任】【以】【诚】【嘴】【里】【重】【复】【了】【两】【遍】，【随】【即】【称】【赞】【道】：“【是】【个】【不】【错】【的】【名】【字】，【你】【起】【名】【字】【的】【水】【准】【倒】【是】【比】【我】【高】【多】【了】。” 【瞅】【瞅】【人】【家】，【再】【瞅】【瞅】【自】【己】。 【争】【锋】…… 【唉】！ 【但】【愿】【宝】【刀】【有】【灵】，【不】【会】【嫌】【弃】【自】【己】【的】【名】【字】。 “【浴】【火】【之】【凰】，【涤】【心】【荡】【尘】。” 【林】【诗】【音】【紧】【了】【紧】【手】【中】【之】【剑】，【神】【情】【淡】【然】，【但】【眼】【神】【中】【却】【透】【出】【了】【一】【抹】【坚】【定】。
【叶】【南】【这】【文】【胆】【一】【出】，【又】【一】【次】【惊】【艳】【了】【众】【圣】。 “【其】【色】【碧】【绿】，【声】【如】【钟】【磬】，【形】【似】【文】【器】——【这】【是】【文】【胆】【大】【成】，【马】【上】【就】【要】【化】【作】**【文】【宫】【之】【重】【器】【了】【啊】！” 【有】【圣】【人】【紧】【紧】【拽】【住】【自】【己】【的】【胡】【子】，【双】【眼】【之】【中】【颇】【有】【意】【动】：【他】【打】【算】【收】【叶】【南】【为】【徒】。 【古】【往】【今】【来】，【圣】【前】【进】【士】【有】【过】，【文】【胆】【大】【成】【的】【读】【书】【人】【有】【过】，【能】【斩】【妖】【圣】【分】【身】【的】【进】【士】【没】【有】，【但】【翰】【林】【却】【有】【过】。
【和】【很】【多】【人】【猜】【测】【的】【差】【不】【多】，【刚】【到】【中】【期】，【天】【威】【就】【开】【始】【抱】【团】【抢】【夺】【各】【种】【资】【源】。 【天】【威】【拿】【的】【就】【是】【标】【准】【的】【团】【战】【阵】【容】，【自】【然】【要】【利】【用】【自】【己】【的】【优】【势】。 【而】【在】【这】【个】【时】【候】，【前】【期】【本】【来】【占】【据】【优】【势】【的】【洪】【雪】【战】【队】，【这】【时】【候】【打】【起】【来】【反】【倒】【像】【是】【前】【期】【劣】【势】【的】【一】【方】【了】。 【天】【威】【这】【边】【拿】【掉】【小】【龙】，【顺】【势】【过】【来】【抢】【走】【洪】【雪】【蓝】【爸】【爸】，【洪】【雪】【这】【边】【都】【没】【有】【组】【织】【任】【何】【反】【击】，【完】