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How much will you pay for the car in the purchase?boja - 29 July 2020
In Poland, having your own car equals complete freedom – the car allows you to go wherever you want, whenever you want. Cars – even the cheapest ones – are expensive. Even the simplest, aged vehicle will cost you several thousand. A used car of popular brands, in good technical condition and with convenient accessories, can be up to several times your annual salary. So it is certainly not a cheap purchase.
For most people, owning a car is not a choice. It is required to get to work, go to the grocery store, see friends – basically go almost everywhere in our country with a shortage of public transport, especially outside the cities.
How much should you spend on a car?
Overall, the answer to the question “How much should I spend on a car?” reads: “As little as possible.” Saving money comes down to making good choices for the three biggest expenses in adulthood: the house you buy, the car you buy, and how much you pay for college. The most thrifty people only have one vehicle per family, care for it and perform well, although it is not the latest year. As an economic rule: a car can be spent 35% of income, of course, annual. Of course, in this case, a lot also depends on the individual situation of the person. For example, whether you also pay off other financial obligations outside of it.
Principle of savings: 10% of income. This applies to people who have a more difficult financial situation. In this case, it may not be really much. For example, with an annual income of PLN 60,000, it is only PLN 6,000. You won’t be able to buy a newer model for this price.
Compromise: 20% of annual income. In this case, we are talking about buying something more secure and reliable. Especially with a young family and two busy working parents, reliability is key – sending the car in for repair all the time would be a hassle.
Don’t spend too much
Again, don’t spend more than you can afford. Especially if the purchase of a second car is to significantly reduce your savings. However, if you love cars, you can afford a more expensive purchase. There is nothing wrong with intentionally spending the things you value the most. By “deliberate expenses” is meant spending money, perhaps more than other people consider it wise, on things that interest you.
So if you value cars, there’s nothing wrong with spending more on them than is recommended for most people. This amount can go up to 50 percent of your income. In this case, the chances are that you will take more care of your car, enjoy it more, and put more money into it than the average car owner, which can affect the selling price. Again, you just have to remember that since the car will be a big expense, you have to be very vigilant about the others.
Choosing a car in the purchase
Fortunately, you will find a wide variety of cars in the car purchase. Some are more expensive, some are cheaper. Many models and years of age allow you to choose one that will fully meet your expectations about your own vehicle. The offer always includes a lot of cheaper models for everyday use, because they are the most popular. This does not mean, of course, that you cannot find a more expensive, more luxurious car.
Many autos purchases also conduct activities related to checking cars from abroad. In this case, you can even order a specific vehicle for you. First of all, make sure that the car obtained in this way has a complete set of documents. Otherwise, he will not be able to register it with the Communication Department.
Check the technical condition
When buying your car at a car dealer, be very careful not to purchase a vehicle in a poor technical condition. It is always worth taking someone who knows a little about cars with you for inspection. In case of doubt, the vehicle can be inspected at a diagnostic station. Then it will turn out if it has any important faults that affect the use of the vehicle at a later time.
Remember that when buying a car in a car purchase, you also have the right to make a complaint in accordance with the warranty. You have two years for this from the moment the contract is signed. It is very important if, for example, a very significant defect would appear in the car at that time. If it is not a defect resulting directly from normal wear and tear of the vehicle, the buyer may ask the car dealer to remove the defect, replace the vehicle with another one, reduce the purchase price, or even refund the entire price paid for the car. Thus, the consumer is protected. Buying a used car is a very important decision. When deciding to buy cars, you must know that most often you can find vehicles with a value from several thousand to even several hundred, so analyze your budget well beforehand.
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