| A: | Vreau sa cumpar o masina uzata si nu stiu prea multe despre finantare.
I am buying a used car and don`t know much about financing it.
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| B: | Te pot ajuta eu. Ai un avans?
I can help you. Do you have a down payment?
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| A: | Da, am strans 3 mii de dolari pentru avans.
Yes, I have saved up three thousand dollars for a down payment.
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| B: | Bun, deoarece nu poti primi un imprumut pana nu platesti un avans la masina.
Good, because you will not be able to get a loan without putting some money down on the car.
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| A: | Nu stiu exact de unde sa iau un imprumut.
I don`t know where exactly to get a loan.
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| B: | Inafara de familie si prieteni, te poti duce la banca, cooperative de credit, sau incearca o finantare de la dealer daca vrei sa cumperi masina de la un parc auto.
Other than friends or family, you can go to a bank, credit union, or use the dealer financing if you bought the car off of a car lot.
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| A: | Care este cea mai buna alegere pentru finantare?
What is the best choice for financing?
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| B: | Depinde. Cea mai proasta afacere este cea cu dealerul, dar de cele mai multe ori iti acorda imprumutul atunci cand banca te refuza.
It depends. The worst financing deal is usually at the dealer, but they will oftentimes give you a loan when a bank turns you down.
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| A: | De ce am nevoie cu mine cand aplic pentru un imprumut?
What do I need to have with me when I apply for the loan?
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| B: | Vei avea nevoie de un fluturas si de o copie de pe cartea masinii. Inainte ca imprumutul sa fie acordat, trebuie sa arati dovada asigurarii. Succes.
You will need a recent pay stub and a copy of the pink slip for the car. Before the loan is complete, you will need to show proof of insurance. Good luck! |
