Sepa cuál es la deuda promedio por los préstamos de automóviles en los EE.UU.
Por Enrique Kogan
Con una deuda promedio por préstamos para automóviles que alcanza hasta el 45% del ingreso medio en algunos estados, la empresa de finanzas personales WalletHub ha publicado su informe actualizado sobre los estados donde más se gasta en préstamos para automóviles, revelando dónde se manifiesta con mayor intensidad la presión financiera.
Para determinar esta clasificación, WalletHub comparó la deuda promedio por préstamos para automóviles con el ingreso de los residentes en los 50 estados y el Distrito de Columbia.
Mayor porcentaje de ingresos gastados - Menor porcentaje de ingresos gastados
Consejos para ahorrar dinero en préstamos para autos:
Compra un auto usado:
Como los autos usados son más económicos que los nuevos, no necesitarás un préstamo tan grande y tu pago inicial te rendirá más.
Sin embargo, las tasas de interés de los autos usados pueden ser más altas que las de los nuevos, así que asegúrate de que a la larga terminarás pagando menos antes de firmar un préstamo.
Realiza un pago inicial mayor:
Cuanto más dinero puedas aportar al principio, menos tendrás que pedir prestado, lo que significa que también pagarás menos intereses durante la vigencia del préstamo. Además, cuanto mayor sea tu pago inicial, menor será probablemente tu tasa de interés.
Obtén un plazo de préstamo más corto:
Pagar tu préstamo para el auto en 24 meses requerirá cuotas mensuales mucho más altas que pagarlo en 72 meses, por ejemplo. Pero también acumularás muchos menos intereses, ahorrándote potencialmente cientos o miles de dólares.
Practica buenos hábitos de presupuesto:
Para comprar un auto nuevo, procura reservar dinero cada mes para el pago inicial o las cuotas futuras.
También es buena idea crear un fondo de emergencia al que puedas recurrir si de repente necesitas un auto nuevo o reparaciones. Para ahorrar una cantidad significativa, quizás tengas que reducir temporalmente algunos gastos superfluos.
Compara precios: Los precios de los autos varían mucho entre concesionarios. Si no tienes preferencia por una marca en particular, considera diferentes modelos.
Además, te conviene buscar autos durante las fiestas, ya que los concesionarios suelen ofrecer grandes promociones.
“Dado que los vehículos se han vuelto cada vez menos accesibles en los últimos años, muchos consumidores se han visto obligados, lamentablemente, a solicitar préstamos para automóviles que superan con creces sus ingresos.
Endeudarse excesivamente para comprar un auto ha provocado que muchas personas tengan dificultades para pagar sus deudas.
Esto se evidencia en el hecho de que los estados con la deuda promedio por préstamos para automóviles más alta en relación con el ingreso medio también se encuentran entre los estados con las tasas de morosidad más elevadas en este tipo de préstamos.”
– “Mississippi es el estado donde más se gasta en exceso en automóviles. Los habitantes de Mississippi tienen la séptima deuda promedio más alta por préstamos para automóviles, con $21,635, a la vez que poseen el ingreso medio familiar más bajo, de $48,509 anuales.
Como resultado, la deuda promedio por préstamos para automóviles en Mississippi representa el 45% del ingreso medio, la proporción más alta del país. En comparación, la deuda promedio por préstamos para automóviles en el Distrito de Columbia es solo el 17% del ingreso medio.” - Chip Lupo, analista de WalletHub.
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