Ib tus neeg muag khoom muag saib ntawm lub qhov rais ntawv nplaum.
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Tseem tsis muaj kev cia siab rau qhov pom tus nqi tsheb tshiab siab, txawm tias qee yam uas tuaj yeem ua rau cov neeg siv khoom xav tau - zoo li siab dua cov paj laum, thiab ib qho uptick hauv kev them nyiaj lig hauv subprime auto qiv, raws li tsab ntawv tshaj tawm tshiab los ntawm Cox Automotive.
Charlie Chesbrough, tus kws tshaj lij nyiaj txiag laus, Cox Automotive hais tias "Tus neeg muag khoom lag luam txuas ntxiv mus,"
"Txog xyoo 2022 thiab txog rau xyoo 2023, peb yuav tsis pom kev txo nqi ntau," ntawm cov tsheb tshiab thiab cov tsheb thauj khoom, nws tau hais hauv lub Cuaj Hlis 8 webinar. “Yuav tsis muaj ntau cov lus nug, mus rau qhov chaw muag khoom raug yuam kom sib tham nrog koj. "
Kev lag luam tsheb tau liam tias tsis muaj tsheb tshiab tsis tu ncua ntawm qhov tsis txaus ntawm cov tshuab computer, suav nrog cov neeg siv khoom xav tau siab. Qhov kev sib xyaw ua ke txuas ntxiv mus tsav cov ntaub ntawv- lossis ze-cov ntaub ntawv tus nqi siab rau cov tsheb tshiab.
Thaum lub Yim Hli, qhov nruab nrab tus nqi tsheb tshiab yog $ 48,301, nce 11% piv rau ib xyoos dhau los, Cox Automotive tau hais. Qhov ntawd kuj yog qhov nce ntau dua $ 10,000, piv rau Lub Yim Hli 2019, ua ntej muaj kev sib kis.
Kev pom zoo rau kev lag luam tsheb tseem zoo, vim tias cov txiaj ntsig tau siab heev, nws ua rau qhov tseeb tias chav muag khoom poob lawm, Chesbrough tau hais.
Thiab txawm hais tias kev lag luam hauv Teb Chaws Asmeskas feem ntau yuav swb mus rau hauv kev lag luam poob qis, qee yam uas ua rau Kev Txom Nyem Loj heev rau kev lag luam tsheb tsis muaj hnub no, Chesbrough tau hais.
Piv txwv li, hauv kev khiav mus rau Kev Txom Nyem Loj, kev qiv nyiaj pib rau cov neeg qiv nrog subprime credit tau sawv cev ntau dua ntawm tag nrho. Los ntawm 2006 txog lig 2008, nws pib qiv rau cov qiv nyiaj nrog cov qhab nia qis dua 620 ua los ntawm 25% mus rau ntau dua 30% ntawm tag nrho, piv nrog tsawg dua 20% hnub no, Cox Automotive tau hais.
Niaj hnub no, cov neeg siv khoom nrog subprime credit twb tsuas yog hais txog tus nqi tawm ntawm lub lag luam tshiab-tsheb, thiab lawv txawm mus rau qhov twg tau nyem tawm ntawm kev siv tsheb ua lag luam, los ntawm cov nqi siab thiab los ntawm cov neeg siv khoom nrog cov keeb kwm credit zoo dua muas tsheb siv raws li kev pheej yig dua rau tshiab.
Qhov ntawd txhais tau hais tias nyob rau hauv kev poob qis, kev lag luam tsheb muaj tsawg dua ntawm ceg txheem ntseeg, yog tias qiv rau cov qiv nyiaj nrog subprime credit pib ua phem.
Kev lag luam tsheb hauv Asmeskas kuj feem ntau nkag mus rau kev lag luam nrog ntau lub tsheb tshiab thiab cov tsheb thauj khoom tsis tau muag hauv cov khoom muag; nrog cov nyiaj tau los tsawg, thiab kev txhawb siab siab, raws li automakers muab cov luv nqi loj dua los sim thiab txav cov hlau.
Qhov xwm txheej ntawd rov qab los rau hnub no. Cov khoom lag luam tshiab-tsheb thauj neeg tsawg tsawg, thiab yog li txo nqi. Cov neeg siv khoom xav tau siab, txheeb ze rau cov khoom, Chesbrough tau hais.
Cov qiv nrog subprime credit yog qhov yooj yim, nws hais. Tus nqi delinquency nyob nruab nrab rau tag nrho kev lag luam "tseem zoo li qub," nws hais. "Tab sis koj tab tom pom cov nqi subprime tau pib nce, qhov tseeb ntaus cov qib," nws hais. "Lawv tab tom pib hnov qee qhov cua sov."
Tau qhov twg los: https://www.forbes.com/sites/jimhenry/2022/09/09/no-relief-from-high-new-car-and-truck-prices-subprime-loans-hit-hardest/