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(中英对照)许多汽车拥有者欠的债超过了汽车的价值

Many Car Owners Owe More Than Car Is Worth
许多汽车拥有者欠的债超过了汽车的价值。

Thursday March 31, 9:47 am ET
By Eileen Alt Powell, AP Business Writer

Many Car Buyers Find They Owe More on Their Car Loans Than the Vehicles Are Worth As Trade-Ins
许多汽车的购买者发现他们在他们汽车上面的借款超过了汽车以旧换新时所值的价值。

NEW YORK (AP) -- A growing number of new car buyers are finding they owe more on their existing car loans than the vehicles are worth as trade-ins.
纽约(美联社)——越来越多的新车的购买者发现他们所欠的现有的车的借款超过了汽车以旧换新时所值的价值。

The phenomenon, known as being "'upside down" on a loan, is the result of a confluence of changes in the ways Americans buy and finance their vehicles.
这种被称作为贷款“上下颠倒”现象是由美国人在买车和借钱买车的方式改变的汇合而引起的结果。

To begin with, the prices of new cars and trucks have been held down as manufacturers offer incentives and rebates to lure purchasers. As new car prices flatten, so do resale values. Buyers, meanwhile, are choosing increasingly longer-term loans, sometimes extended over 84 months, to reduce monthly payments.
首先,因为制造商提供刺激和折扣去吸引购买者,使得新的小汽车和卡车的价格已经被抑制. 随着新汽车的价格被压低的时候,旧车再卖的价值也被压低。 同时购买者们为了去减少每月的还贷,正在选择越来越长期的贷款,有时候贷款期超过84个月。

The result is that a consumer who trades in a car that isn't fully paid for can end up wrapping the loan hangover into the financing for a new car, greatly increasing the cost. Or, if a car is destroyed in an accident before it's paid off, the insurance settlement may not fully cover the outstanding loan.
当一个消费者拿一辆没有付完贷款的旧车去换一辆新车的时候,这一部分未付完的贷款被加在新车的贷款上面,结果使得买车的成本大大地增高。或者,如果这个汽车在它的车贷被还清前,在一次事故中被损毁,那么这个保险的赔付可能不会完全包括这个未偿还贷款。

The amounts consumers are upside down are substantial, experts say.
专家说有那些拥有上下颠倒的贷款的消费者的数量是可观的。

"More than a quarter of buyers are upside down when they come in, and the average is nearly $3,800," said Bob Kurilko, a vice president with Edmunds.com Inc., an auto information publishing company based in Santa Monica, Calif.
位于加州Santa Monica 的汽车信息出版(Edmunds.com)公司的副总裁Bob Kurilko说,当他们买新车的时候,超过1/4的购买者有上下颠倒的贷款,这个平均数差不多是3800美元。

This loan overhang has implications for both trade-ins and insurance recovery, he pointed out.
他指出这个多出的贷款对以旧换新和保赔都有隐含的影响。

Here's the math: Say a consumer buys a $25,000 car and begins making payments of about $500 a month, based on a 6 percent interest rate. A tree blows over in a storm, flattening the vehicle. The insurance company agrees to pay, but values the car at just $22,000; the consumer is still on the hook to the finance company for $3,000 more, which must be paid out of pocket.
有关的计算是这样子的:假设一个消费者花了25000美元买了一辆小汽车,基于6%的利率,开始要每月支付大约500美元的车贷。在大风暴中,一棵树吹到了这个汽车上,压瘪了小汽车。保险公司同意去支付,不过评估这个小汽车只值22000美元;消费者仍然欠信贷公司3000美元或更多,这一部分钱必须出自于消费者自己的口袋。

Scott Jones, 43, a New York free lance photographer, said he was aware of the risk of becoming upside down on a car loan when he went shopping for a new vehicle last spring.
一名纽约自由撰稿报摄影记者, 43岁,Scott Jones说,当他去年春天去买一个新汽车的时候,他才意识到他的这个汽车贷款可能变为“上下颠倒”的风险。

"I read about it on some of the Web sites, and I tried to shop carefully to avoid that trap," Jones said. His strategy, he said, was "to buy a reliable car and pay it off as soon as possible."
Jones 说,“我在一些网站上面读到它,我试图通过在购买上的谨慎,去避免那个陷阱。”他的策略是,“去买一个可靠的汽车,然后尽快的把车贷付完。”

Jones' choice of a vehicle was a Honda Odyssey minivan, which he believes will hold its value better than some other vehicles. He made a cash down payment to reduce the size of his loan, and then financed the balance over six years, though he said he may try to pay it off earlier than that.
Jones的选择是一辆本田奥德赛旅行车,他相信它的保值将比其它汽车要更好。他用现金作首付来减少他的贷款的数额,然后不够的部分贷了六年的款,但是他说,他可能试图比那个时间更早地去还清贷款。

"I figure I'll be driving it for at least 10 years -- long after the loan is finished," Jones said.
Jones 说,我认为将驾驶它到少十年——那么长时间以后这个贷款已经被完成。

Brian Reed, a vice president at Capital One Auto Finance, based in Plano, Texas, said a major contributor to the problem is that consumers have sought longer loans to hold down their monthly payments.
设立在Plano, Texas 的COAF公司 的副总裁Brian Reed说,对于这个问题的一个主要促进因素是消费者寻求更长期的贷款去压低他们每月的还款。

"In the late 1970s and early '80s, most loans were for 36 months," Reed said. "Now, the average term is about 58 months, and some lenders go as long as 72 months or 84 months."
Reed说,在70年代晚期和80年代初期,大多数的贷款还款期是36个月。现在,这个平均期限是大约58个月,甚至有一些出贷方放贷长达72个月或84个月的贷款。

Consumers with long-term loans who trade their cars frequently will have built up less equity and be more likely to be upside down, he pointed out.
他指出,长期贷款的消费者,频繁地交易他们的汽车(以旧换新)将积累比较少的抵押资产的净值,更有可能产生上下颠倒的贷款。

The best strategy, Reed said, is "to try to match the term of the loan to the time you intend to keep the vehicle."
Reed说,最好的策略是,去设法让这个贷款的期限和你打算去持有车辆的时间相匹配。

Rob Gentile, director of automotive information products for Consumer Reports, based in Yonkers, N.Y., said consumers who know they're upside down on loans often don't bargain well for new cars, since they're distracted by how that unpaid loan is going to be handled.
设立在Yonkers, N.Y. 公司的客户报告的自动信息产品的主管Rob Gentile说,知道他们在贷款上处于上下颠倒的消费者,经常不能在买新车上很好的讨价还价,因为他们被怎么样去还未付清的贷款而分心。

"Consumers should settle on the price (of a new car) before anything else," Gentile said.
Gentile说,消费者应该在做别的事情之前先这个新汽车的价格上面定下来。

Gentile also recommends consumers finish paying down a loan before they trade a vehicle, especially if it's been a good, reliable car.
Gentile也推荐消费者在交易一辆汽车之前,先付清贷款,尤其如果它是一辆很好的、可靠的汽车。

"If you roll what you owe into the new car loan, you're financing the old car at the same time you're financing the new car," he pointed out. "That will cost more in interest -- and your monthly payment will have gone up, too."
他指出,如果你把你欠旧车的贷款转到新车的贷款上,你正在贷款买这辆新汽车的同时你在贷款买这个旧车。这样的话,你将付更多的利息——你每月的还贷也将会上涨。

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user
1F ~笑笑~2009-07-06 03:41:54

LZ 辛苦了...

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