然后我们再坐下来谈月付。manager打了一张单子出来。我一看，有一项叫：
fee/options: 115. 我就问这是什么费？他也说是“state required fee,
for paperwork, title etc". 我说，title我自己去办好了，那我就不出这个
钱了。他说，不行的，从dealership卖出去的车子都必须要dealer给弄title.
我说，那title fee,算$15吧，其余的100呢？他到现在才说是：docu fee。我
说：要100啊？太高了，我只愿意付50。他说，不行，法律规定是100的。我
说，法律规定是不能超过100。这个到底付多少要我们双方讨论决定的。你如果
不信，我明天带法律条文给你看。他口气软了一点说，那honda规定了是100，
我不能降了。我说，那这样吧，你把车子的那个零头44块就划掉吧。他也就算
了。呵呵。

下面是据说dealer用来侃昏人的数字游戏了。大侠们帮我看看有没有问题吧？

cash price: $13600
cash down: 2000
tradein: 800
subtotal: 10800
docu fee/title: 115
sales tax at 6.5%: 838.50
total financed: $11753.50
APR: 2.9% 5年
finance charge (interest): 886.70
monthly payment: 210.67

http://www.hsh.com/calc-amort.html  计算月付的公式

[此贴子已经被作者于2006-6-14 15:22:49编辑过]

言归正传，去看mazda3了。

it is CUTE CUTE CUTE!!!

颜色是很正很大方的红色，我一直就想要一辆红色的车子啊，fell in love
at the first sight. 开起来的感觉也很轻松很棒。当然，最主要的原因还
是：it is CUTE CUTE CUTE!!!!

Mazda3 base car是手动的，没有空调。不过，这个dealer没有base car
available. 这辆是full loaded, auto, A/C, power package, moon roof,
Alloy wheels, cruise control, 6-CD changer, spoiler, and sth i am
not aware of. 所以价格吓煞人得高，

dealer居然让我一个人就把车开出去试！居然不担心我就把旧车人他那里了，
把新车偷开走了。呵呵

然后我就不能决定是就买civic vp (价钱也谈拢了，蓝色的车子也到了，dealer
那里已经把合同什么的都准备好了），还是变主意买mazda3，但是所有的这些
事情都要从头再干一遍，而且同样配置的话，mazda3起码要高出去1千多？

[此贴子已经被作者于2006-6-14 15:25:54编辑过]

后来honda dealer天天电话来催我去签字，mazda那边却理都不理我，自然我对mazda3的心也慢慢淡了。

后来更远的一家honda dealer电话我，他们可以给我0%apr, 我问他车子价格最低能多少时，他却顾左右而言他。。。所以，我估计他们利息上损失的钱就在车子上补回来了。反正买的没有卖的精。。。。再说人家也是要赚钱吃饭的。。。

再说，我实在是非常想开新车了。。。所以后来就去honda B那里签字搞定了。临走之前最后看了一眼陪我1年多的grand am，百感交集...然后潇洒的一扭头开着新欢回家了。。。

[此贴子已经被作者于2006-6-14 15:32:05编辑过]

这楼放些我买车过程之中得到的好建议吧：

--------------------$1200 的利润太高了。从INVOICE 开始，给个2% 的利润算不错了。CIVIC是大
众车，没那么高的利润。你可以要求就付INVOICE 价格，他们DEALER到时候还
有车厂的INCENTIVE，拿那个就够了。

----------------------With the money to buy a new compact car, you can buy a really nice
preowned car, with 6 cylinder, luxury ride, leather, sun roof, cd-
changer, premeum sound... Why settle with some new entry level car
with entry level build? It may give you the "new car smell", that, to
me, is just a smell of cheap plastic, IMHO.

------------------------Why not try Hyundai, Elantra , someone got it for 10200$ including
everything. And Hyundai's reputation is growing, plus its 7 years
bumper to bumper warranty...

---------------------------这是针对我不好意思还价的。。。。-----------你有什么罪恶感？他们蒙你的时候就没有罪恶感嘛！再说了，他们如果愿意倒赔
钱卖给你，也是一个愿打，一个愿挨。两相情愿的事情，罪恶什么？他们说要赔
钱，你说你知道他们买车不是按ＩＮＶＯＩＣＥ买的，而且你就那么多钱，卖不
卖吧。

--------------------我买车只有几条经验：
1。Invoice price不要看。Dealer拿给你看那能是真的吗？谁做生意那么傻，
把底线都亮给顾客看，一点儿退路都没有了。
2。坚决不听月付额。一定要把握住出门价。Dealer那么急给你算月付，就是想
把你绕进去。如果每月多付20，你可能觉得没有什么，可60个月下来呢？
3。对现在的日本车（一般流行的），就照着MSRP当出门价砍，基本不会吃亏。
放心，DEALER也不会生气，他们绝对还有的赚。这后面的猫腻多者呢？
4。争取低APR.这个个人因素比较大，不过只要信用有700分以上，申请0利息没
有问题。DEALER如果在车价上赚不到，就在利息上赚，千万别给搞晕了。带上
计算器，遇到0利息和退款二选一的，当场算，省得就是银子啊。
5。一定要表现出当场要买的架势，谈不拢就走人，一般会有人追出来，把你拽
回去继续把你搞晕，别跟他磨时间，一口价，要不然。。。 不过我还真听说有
带干粮去的，DEALER当场就倒。。。。
差不多了，都教给你了，想起来再补充。

[此贴子已经被作者于2006-6-14 15:35:38编辑过]

这个针对credit score不是很好（<680) 小心spot delivery scam

My friend traded in a truck for a new one. Two weeks later they
called him saying "Sorry, you didn't qualify for the interest rate we
signed you up for". This is where "subject to financing" clauses on
contracts bite you in the butt. They knew what he qualified for, or
they'd never let him drive off with the truck. When I called my
credit union, they printed my credit history within 5 minutes and
approved me in 10 minutes.

There was a phrase on his contract stating subject to loan approval.
This Jedi mind trick means: "The deal is not final, even though you
signed this contract." Most dealers use this phrase. They were
already charging him 18% interest! How much higher can you go? They
said he had to produce an additional $1000 AND his payments would go
up $50/month. 18% is normal for someone with bad credit. Bumping up
his payments is needless, they knew how much he qualified for when he
signed. If this was the state of Washington, they would be breaking
the law! My friend wanted to sue, but even his lawyer said it was
legal. So the deal was not really done, and this is where you can be
in for a nasty surprise!

He had a few hundred miles on the truck, but he took the truck back,
and got his old truck back, after a salesman had taken it home, left
the window open, and a cat urinated on the seat. They even tried to
bill my friend for the cleaning! He was luckier than most folks: he
got his original truck back. Read your contract thoroughly and know
all the clauses, so there are no surprises. Don't let them speed sign
you through.

If you don't pay up, they'll report the car STOLEN. You have a
legitimate loan or lease contract, but they are filing grand theft
auto against you. If the cops come after you, show them your original
valid loan or lease documents. There's nothing they can do. What
they are doing is illegal in some states.
How do you get out of this? Never take the car the same day you
sign if you finance at the dealer. It's tempting, they give you
the keys, but don't take them. You'll be back for the car when the
deal is final. Tell them to call you when they get the coupon book,
and you'll come for the car at that time. The Spot Delivery scam is
usually done to people with bad credit. They can squeeze more
out them because they have them at a disadvantage. They don't care if
you default on the loan because they get cash from the bank. So what
if the car gets repossessed. That's the bank's problem, they own the
car. When you finance a computer at Best Buy or Comp USA, do they call
you up later to tell you that you could not get these interest rates?
No.

[此贴子已经被作者于2006-6-14 15:40:23编辑过]

最后，是我们对尾翼的讨论：

-------------尾翼有实际作用是肯定的.至于作用大小那就是另外一回事了.

-----------------As far as I know most cars on the market don't have a functional
spoiler, i.e., they are not correctly shaped to generate substantial
downforce. The ones that's elevated within an inch off the back
definitely don't work. The front air dam are usually functional.

-------------------I have to disagree with that. All spoilers have a common function:
impress the gal and help you land a date. But that's all.

------------------当年偶的车屁股也有这么一个东东的啊，也没有帮我搞到一个
约会啊？

最后总结：我唐。。。。。。。。

------------------END---------------------------------------

最后补充：我的civic真是很省心。每5000去换一次油，10k去做一次保养。也算一个decent car。弱点：马力小，才117。高速上加速，尤其是从入口要并进主线的时候，这个弱点就很明显了。

另外，这个蓝色很不容易显脏。其实近看的话，灰尘还是很多的。

再另外，最好每年入冬前和冬天结束后，做2次上腊。有利于保持新车亮闪闪的光芒。

再再另外，宝贝新车的话，去mall, 买菜什么的人多的地方，最好停远点，要不然被乱扔的buggie碰一下就心疼死了。    多走两步路还有利于减肥呢。。。

唐完啦。。。。。。

[此贴子已经被作者于2006-6-14 15:49:30编辑过]

哇，你要写多长啊？站了这么多座位。

给你几个comments:

1。省钱的话，可以买一个一年新的saturn，很便宜，也很省油，还在warranty里。

2。一般日本车的dealer卖车，销售员通常要在你身上赚1200刀（就是invoice+1200+各种杂费），因为他们抽取的回扣是阶梯形的，1200是一个阶梯点，在这以上，他们可以拿到最高百分比的回扣，所以，很多情况下，碰见了不奈斯的人是没有办法的，反正他不愁卖不出去。

3。旧车的trade-in，如果是车况很差的话，很难和dealer讲价，我一个朋友就是搞不下来最后把旧车捐了。