1986 Ford F-150 pickup tsheb
Yees duab: Ford
Los ntawm cov txheej txheem ntawm kev tshem tawm, cov tsheb siv qub tau dhau los ua qhov kev yuav khoom kawg rau cov neeg yuav khoom lag luam thiab cov uas muaj subprime credit cov qhab nia, cov kws tshuaj ntsuam tau hais.
Yog li ntawd, cov tswv lag luam tsheb thiab cov qiv nyiaj yuav tsum tau txav mus rau kev ua lag luam, muag thiab nyiaj txiag, raws li, cov tsheb siv qub dua li lawv tau siv los - cov tsheb uas keeb kwm yuav nyuaj rau kev txais nyiaj tshwj tsis yog "yuav-ntawm no, them- ntawm no" cov tswv lag luam uas tsim thiab sau lawv tus kheej muaj kev pheej hmoo siab, qiv nyiaj siab.
Piv txwv li, Qhib Lending Corp., tus muab kev pabcuam raws li hauv Austin, Texas, uas nws cov neeg siv khoom loj tshaj plaws yog cov koomhaum qiv nyiaj hauv qhov chaw qiv tsheb pib, tsis ntev los no tau txuas ntxiv nws qhov kev thov kom suav nrog txog li 11-xyoo-laus siv tsheb, nce los ntawm qhov kev tso cai dhau los ntawm 9-xyoo-laus. tsheb qub.
"Tau ntau xyoo, peb tau pom tej yam hloov pauv hauv kev ua lag luam," said Matt Roe, Tus Thawj Saib Xyuas Nyiaj Tau Los ntawm Qhib qiv, hauv kev sib tham hauv xov tooj. "Ob peb xyoos dhau los, lub hnub nyoog nruab nrab ntawm cov tsheb tau txais nyiaj tau nce siab heev."
raws li Experian Tsheb, cov neeg siv khoom ntawm qhov txaus ntshai kawg ntawm subprime twb ze li ntawm cov tsheb tshiab. Experian Automotive hais tias tsuas yog kwv yees li 5.4% ntawm cov nyiaj qiv tsheb tshiab hauv lub quarter thib peb ntawm 2022 yog rau cov qiv nyiaj nrog cov qhab nia ntawm 600 thiab qis dua.
Nyob rau lub quarter thib peb ntawm 2020, ua ntej muaj kev sib kis thiab txuas ntxiv mus computer-chip tsis txaus, nws yog kwv yees li 7.8%, Experian Automotive tau hais.
Cov qiv nrog subprime credit kuj poob feem ntawm cov nyiaj qiv siv tsheb. Cov nqi tsheb tshiab siab thiab txwv kev xaiv ntawm cov tsheb tshiab tsav ntau cov neeg siv khoom txaus ntshai rau cov tsheb siv tshiab, cov kws tshuaj ntsuam tau hais.
Txawm hais tias lub npe, Open Lending tsis yog qiv nyiaj. Hloov chaw, nws muab cov qiv nyiaj analytical horsepower rau kev txiav txim siab qiv nyiaj, thiab ntxiv kev pov hwm kev noj qab haus huv, uas pab txo qis kev pheej hmoo ntawm kev pheej hmoo siab dua, Roe tau hais.
Thiab thaum Qhib Qiv nce lub hnub nyoog siab tshaj plaws ntawm cov tsheb siv nws txaus siab los pab, tib lub sijhawm nws khaws nws lub kaus mom ntawm kev tso cai, thiab qhov ntawd kuj txo qis kev pheej hmoo, nws hais.
"Dab tsi peb pom yog, ntev li ntev tau raws li cov lus qhia yav dhau los, piv rau 11-xyoo-laus lub tsheb nrog 100,000 mais, piv rau 9-xyoo-laus tsheb nrog 100,000 mais, qhov kev pheej hmoo ntawm zaus ntawm kev ua haujlwm yog tib yam. , ”Roe hais. "Peb tau nyam nrog peb cov lus qhia dhau los."
Tau qhov twg los: https://www.forbes.com/sites/jimhenry/2023/02/27/high-prices-and-risky-credit-may-steer-buyers-to-older-used-cars-dealers-lenders- kho/