退休前/後買車,哪個更合適?

Should I Buy A Car Before Or After I Retire?

退休前/後買車，哪個更合適？

As Jalopnik's resident car buying expert and professional car shopper, I get emails. Lots of emails. I've decided to pick a few questions and try to help out. This week we are discussing the timing of buying a new car around retirement.

作爲美國汽車測評博客（Jalopnik）的常駐購車專家和專業購車者，我經常收到很多郵件。所以我決定挑一些問題作答。本週，我們將討論退休前後買新車的問題。

First up, if you are coming up on retirement and think you may need to buy a car, when should you make that purchase? My mom is a teacher but she is going to retire this June. She has an old Mazda 3 with a lot of miles and it will need to be replaced in the near future. She wants to know if it will be harder for her to get approved for a loan after she retires and her income is reduced.

首先，如果你即將退休並有了買車的想法，那什麼時候買最合適呢？我的母親是位教師，今年六月她就要退休了。她有一輛馬自達3，但已經開了很多公里，不久就要換新車了。她想知道，退休後收入減少的情況下，貸款是否更難成功。

This is a good question, and it involves two key components to the loan approval process. The first, naturally, is the credit score. If your mom has good credit and maintains or improves that score, that will be the most important factor in both getting approved and a low rate for a loan.

這個問題很好，涉及貸款審批過程的兩個關鍵部分。第一部分當然是信用評分。如果你的母親信用良好且信用分或有上漲的可能，這將是貸款審批通過且獲得低利率貸款的最重要因素。

The second aspect of approval is what lenders call the "debt to income ratio." This is where they examine how much money you are borrowing versus how much money you are making. Your mom will be collecting a pension, but that's not a full-time job, so her debt to income ratio might be less favorable after retirement. That being said, as long as her credit score is strong and she isn't buying something ridiculous like a Rolls-Royce, I don't see her having any problem getting approved for another reasonable car.

審批查看的第二點則是貸款方所說的“貸款與收入之比。”他們會對比你的貸款金額和收入。屆時，你的母親將領取養老金，但這並不是全職工作，所以退休後，她的貸款與收入之比可能並不佔優勢。話雖如此，只要信用分高且不是購買勞斯萊斯等豪華轎車，貸款買車就不成問題。

However, if she knows the Mazda 3 is on its way out, she may want to consider getting a replacement while she is still working so she can pay it down while she is making more money. Also, some manufacturers offer additional rebates and discounts for educators. In this case, just make sure her post-retirement budget can handle any payments.

但如果知道馬自達3快要被淘汰了，她也可能考慮在退休前換一輛新車，以便在收入更高之時還貸款。此外，一些汽車製造商還爲教育工作者提供了額外的折扣。在這種情況下，只要確保她的退休金足以支付還款額即可。