Debt-to-income ratio - Wikipedia, the free encyclopediaOriginally Posted by yobigd20
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Debt-to-income ratio - Wikipedia, the free encyclopedia
Truly Electric Spaceship-Like Adventure ~ Signature Model Spaceship
PLEASE NOTE: these musings are the copyrighted intellectual property of the author, and are intended as part of a conversation among the Tesla Motors Clubs membership. My words may not be quoted by any third party outside the Tesla Motors Clubs forums, without my expressed consent. Especially the NYT, which is clearly ethically challenged.
I know what it is, I was wondering what his numbers were to get denied
VIN5837 | P13,306 | Ordered 10/31/12 | Finalized 01/08/13 w\ Feb/March Estimate | Delivery 03/06
85kWh Performance | Black | Tan Leather | Obeche Wood Gloss | 19" Wheels | Pano Roof | Tech Pkg | Sound Studio | Air Suspension | CF Spoiler | Parcel Shelf | Twin Chargers | HPWC
Ah .
Truly Electric Spaceship-Like Adventure ~ Signature Model Spaceship
PLEASE NOTE: these musings are the copyrighted intellectual property of the author, and are intended as part of a conversation among the Tesla Motors Clubs membership. My words may not be quoted by any third party outside the Tesla Motors Clubs forums, without my expressed consent. Especially the NYT, which is clearly ethically challenged.
A couple of questions....
- With PenFed, I think I've read that once approved, you have to drawdown within 90 days. I'd like to get approval before I lock in my spec, so if I then do not get delivery within the 90 days, what happens? Does the approval stay, but the rates might change, or do you have to start all over?
- In terms of the 72 month rate, has anyone seen better than PenFed's 3.49%? USAA isn't an option for me, although I'm member, auto loans are not open to non-US citizens.
Thanks
Delivered Feb 8 2013 - 85Kwh/Dolphin Grey/Pano/Tech/Sound/Air/shelf/HPWC
I think I had seen some people getting around 2.74% for 84 months...probably with a credit union but don't recall exactly.
https://www.safecu.org/loan_rates.aspx shows 72 and 84 at "as low as" 2.99%
https://www.jfcu.org/rates_consumerrates.asp shows 72 and 84 "as low as" 2.49%
key is "as low as" - dunno if people actually get those rates...
VIN5837 | P13,306 | Ordered 10/31/12 | Finalized 01/08/13 w\ Feb/March Estimate | Delivery 03/06
85kWh Performance | Black | Tan Leather | Obeche Wood Gloss | 19" Wheels | Pano Roof | Tech Pkg | Sound Studio | Air Suspension | CF Spoiler | Parcel Shelf | Twin Chargers | HPWC
Take a look at the payment difference between 60 mos at 1.49% and 72 mos at 3.49%. The 72 mo payment is about 10% lower. Is that difference worth the additional interest cost over time?
P1,491 - 85 kWh - multi-coat red, tan interior, obeche matte, black roof - air suspension, tech package - 19" wheels
Almost certainly not, just keeping my options open though.
Delivered Feb 8 2013 - 85Kwh/Dolphin Grey/Pano/Tech/Sound/Air/shelf/HPWC
Thanx for the tip
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You're correct; I don't have that answer
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bake sale!
(of course if I was getting a Fisker it would be a fire sale - ok, that was a joke, sorry)
If you have family in the Austin area, the Amplify Federal Credit Union is offering 1.69 for up to 66 months, 2.09% for 72 months, and more.
Last edited by TXjak; 12-09-2012 at 11:01 AM. Reason: added 66 month rate
Black, 60kWh, 19" rims, Air Suspension, Superchargable, Twin chargers, Tech, Lacewood, Tan leather.
(Production Model S #3821. Home since 9am, Jan 29th, 2013.)
http://www.usfed.org/home/loans-cred.../vehicle-loans
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