{"id":1275,"date":"2019-07-08T09:00:15","date_gmt":"2019-07-08T09:00:15","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1275"},"modified":"2022-09-02T11:09:52","modified_gmt":"2022-09-02T11:09:52","slug":"how-much-can-i-afford-to-pay-for-a-car","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/how-much-can-i-afford-to-pay-for-a-car\/","title":{"rendered":"\u00bfCu\u00e1nto autom\u00f3vil puede pagar? Establecer un presupuesto de autom\u00f3vil"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Los autom\u00f3viles son cada vez m\u00e1s caros cada a\u00f1o en los Estados Unidos. Si bien puede ser tentador obtener pr\u00e9stamos masivos para financiar los mejores modelos, hay mucho m\u00e1s que considerar que solo el precio de etiqueta. Tambi\u00e9n debe considerar el seguro, los impuestos, las etiquetas y las tarifas de t\u00edtulo, el mantenimiento y las reparaciones (si solicita un pr\u00e9stamo que va m\u00e1s all\u00e1 del per\u00edodo de cobertura de la garant\u00eda). Los agentes experimentados de Altra Insurance Services, un proveedor principal de <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de auto San Diego<\/span><\/a><span style=\"font-weight: 400;\"> los conductores conf\u00edan en una cobertura confiable, eche un vistazo m\u00e1s de cerca a lo que realmente cuesta un autom\u00f3vil y lo que puede pagar.<\/span><\/p>\n<h2>Financiamiento mensual<\/h2>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de los expertos coinciden en que el pago de un pr\u00e9stamo para un auto nuevo nunca debe exceder el 15 por ciento de sus ingresos mensuales. Si est\u00e1 alquilando un veh\u00edculo, nunca debe exceder el 10 por ciento de sus ingresos. La mayor\u00eda de los expertos tambi\u00e9n est\u00e1n de acuerdo en que debe financiar de manera \u00f3ptima un veh\u00edculo durante cuatro a\u00f1os. Si va m\u00e1s tiempo que esto, nunca exceda los siete a\u00f1os. Las posibilidades de que ocurra algo en el veh\u00edculo que requiera reparaciones importantes que rompan su presupuesto aumentan en este momento.<\/span><\/p>\n<h2>Costos de mantenimiento<\/h2>\n<p><span style=\"font-weight: 400;\">Los costos de mantenimiento pueden costarle hasta $500 por a\u00f1o o m\u00e1s. El aceite sint\u00e9tico utilizado en veh\u00edculos nuevos es costoso. A veces se requieren marcas espec\u00edficas, como Elf, para los cambios de aceite en los autom\u00f3viles alemanes, como Audis y Volkswagens, para mantener sus garant\u00edas de f\u00e1brica. Un cambio de aceite con Elf premium sint\u00e9tico puede ejecutarlo f\u00e1cilmente sobre $100 con un nuevo filtro y mano de obra. Puede haber cambios de filtro adicionales, rotaciones de neum\u00e1ticos, enjuagues de fluidos y reemplazos de piezas de frenos que no est\u00e1n cubiertos por la garant\u00eda. Estos pueden comenzar a acumularse si su distribuidor cobra $150 por hora por mano de obra y marca las piezas en un 800 por ciento.<\/span><\/p>\n<h2>M\u00e9todo f\u00e1cil para calcular costos<\/h2>\n<p><span style=\"font-weight: 400;\">Los expertos coinciden en que un pr\u00e9stamo a cuatro a\u00f1os es \u00f3ptimo, por lo que son casi 50 meses. Si puede pagar 10 o 20 por ciento en un veh\u00edculo, obtendr\u00e1 un pr\u00e9stamo por el costo adicional. Por lo tanto, si est\u00e1 buscando un veh\u00edculo nuevo que cuesta $30,000 y paga $6,000 por adelantado, tiene que pagar $24,000 en cuatro a\u00f1os. Si divide eso por 50, obtiene $480, lo que significa que pagar\u00e1 aproximadamente $480 por mes solo en pagos de autom\u00f3viles m\u00e1s intereses. Si tiene un cr\u00e9dito excelente, la tasa de inter\u00e9s debe ser asequible. Sin embargo, la tasa de inter\u00e9s promedio es de 4.81 por ciento en un pr\u00e9stamo a 60 meses. Un plazo de pago m\u00e1s bajo generalmente reducir\u00e1 la tasa de inter\u00e9s. Pagar 4.81 por ciento de inter\u00e9s en un pr\u00e9stamo de $24,000 es de aproximadamente $1,000 por a\u00f1o. Despu\u00e9s de cuatro a\u00f1os, habr\u00e1 pagado aproximadamente $28,000 en total.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Calcular todos los gastos reales de la propiedad del autom\u00f3vil es una parte importante del proceso de compra. Calcule lo que realmente puede pagar despu\u00e9s de agregar todos los extras. Adem\u00e1s, no olvide considerar su presupuesto de combustible, asistencia en carretera y, sobre todo, su seguro, que puede fluctuar seg\u00fan su localidad, millas recorridas, historial de manejo, cr\u00e9dito y edad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ya sea que necesiten un seguro de autom\u00f3vil confiable y asequible o una motocicleta, negocio o motocicleta confiable\u00a0<\/span><a href=\"https:\/\/altrainsurance.com\/homeownwers-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de vivienda San Diego<\/span><\/a>. Local<span style=\"font-weight: 400;\">\u00a0los residentes recurren a Altra Insurance Services. Para una cobertura de alta calidad y un servicio incomparable, comun\u00edquese con nuestros agentes experimentados. Ll\u00e1menos hoy al 619-474-6666 para saber c\u00f3mo puede ahorrar dinero en todas sus necesidades de seguro.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Los autom\u00f3viles se est\u00e1n volviendo m\u00e1s caros cada a\u00f1o en los Estados Unidos. Si bien puede ser tentador obtener pr\u00e9stamos masivos para financiar los mejores modelos, hay mucho m\u00e1s que considerar que solo el precio de etiqueta. Tambi\u00e9n debe considerar seguros, impuestos, etiquetas y tarifas de t\u00edtulo, mantenimiento y reparaciones (si saca un ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/how-much-can-i-afford-to-pay-for-a-car\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;How Much Car Can You Afford? Setting a Car Budget&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":1282,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-1275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Much Car Can You Afford? Understanding the Numbers<\/title>\n<meta name=\"description\" content=\"The total cost of owning a car involves more than just the sticker price. 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Understanding the Numbers","description":"The total cost of owning a car involves more than just the sticker price. Here are several things to consider when calculating how much car you can afford.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/altrainsurance.com\/es\/how-much-can-i-afford-to-pay-for-a-car\/","og_locale":"es_ES","og_type":"article","og_title":"How Much Car Can You Afford? Understanding the Numbers","og_description":"The total cost of owning a car involves more than just the sticker price. 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