A new car means years of savings and sacrifices. Few manage to fulfill the dream of owning four wheels. And with a salary of 30 thousand rubles, there is nothing to count on miracles at all. It would seem that with such an income it is difficult to support even oneself, not like a car. But if you plan the budget correctly and limit yourself in everything, you can find a solution. What cars can even an extremely budget buyer afford?
1. Dreams and reality: what kind of car we can afford
Today, few people buy cars for cash. The prices for vehicles are so high that a person even with an average income is not able to spend such an amount from his pocket at once.
Theoretically, a loan can help, but, firstly, the money will have to be returned, and much more than they took. Secondly, the repayment period is stretched over several years, and all this time we pay for a car that loses value every month.
Thirdly, the expenses that will put a burden on the family budget. This is not only the purchase of the car itself, but also insurance, maintenance, inspections, tires and fuel.
According to analysts, even 30 thousand monthly income is enough to buy a decent car. True, quite old and with considerable mileage. How long you have to save for it depends on your current daily expenses (rent, loans, food, phone, etc.) and the cost of the desired iron beast.
The amount spent on the purchase of a car should not exceed the annual income, and the monthly maintenance should not exceed 1/3 of the salary (the last two positions are calculated over a two-year period. The "maintenance" includes all costs associated with the vehicle. W / n is taken in a "pure" form, received on hand, and without additional profit - bonuses, cash gifts, etc. The overall results are spread over the months).
The numbers will be approximate, but will allow you to estimate whether it will be possible to maintain the vehicle without starving and without getting into debt. The nuances are calculated individually, based on the condition of the purchased equipment and the proposed investments to support its performance. Do not lose sight of such related costs as renting a garage, parking fees and possible fines.
Luxurious, high-tech, 4x4, oversized and rare vehicles do not need to be included in the list for consideration. They may not fit into your budget for various reasons - due to the abundance of capricious electronics and complex technologies that are expensive to repairs, excessive fuel consumption or difficulty in finding spare parts and competent specialists who understand exclusive models.
When preparing a list of options available within a given budget, stick to the basic package: how to as a rule, the initial versions are the cheapest to buy, economical in fuel consumption and the least demanding in terms of leaving. Do not be tempted by ancient models: the older the car, the more “sores” it has.
2. Models for the underpaid
People with an income of 100-120 thousand can even count on relatively fresh "Germans", but with a salary of 30 thousand, the choice narrows down to the most budgetary models of varying degrees of shabbyness.
Such buyers can only afford a compact Dacia Sandero, an economical urban Toyota Aygo, or another low-budget equivalent. Of course, a brand new model from the salon will be inaccessible, but you can also find many profitable offers on the secondary market - from Russian-made cars to moderately used foreign cars.
It should be noted that sometimes even very decent copies are sold at bargain prices - for example, when the seller urgently moves to another country or needs money for an operation.
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There can be many explanations for the fact that the car is offered much cheaper than it should cost in fairness, and far from it. they are all related to fraud (resale of a stolen or damaged car, veiled serious defects and etc.). But even here it is necessary to carefully scan each offer - so that it does not turn out that your Alfa Romeo turned out to be cheap only in purchase, and further maintenance and repair plunged the owner into a financial corkscrew.
Here are a few models to consider if the cost is not so much the cost of the machine itself, but its subsequent maintenance:
- Hyundai Sonata, Elantra, Getz and Solaris/Accent;
- Kia Spectra, Rio and Ceed;
- Ford Focus 2, Fiesta and Fusion;
- Daewoo Matiz, Nexia and Lanos;
- Renault/Dacia Logan;
- Mitsubishi Lancer;
- Toyota Prius;
- Nissan Micra, Altima and Almera;
- Mazda 2/3;
- Volkswagen Golf and Polo;
- Chevrolet Lacetti;
- Skoda Rapid and Octavia;
- Opel Corsa and Astra;
- Peugeot 208/307/308.
These machines have an attractive appearance, despite the past years, a fairly simple design and a minimum of capricious technologies.
As a rule, they get good ratings in long-term use, supported by good wear resistance, low repair costs and service, discreet fuel consumption (although a lot depends on driving style), availability of spare parts and easy resale at needs.
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Source: https://novate.ru/blogs/240522/63067/