买房不是刚需，住房是刚需，可以租
除了大城市，车也是刚需
大萧条不工作都在家吃老本吗
现金为王，美国大萧条就要来了，车价砍半
版主： lexian
Re: 现金为王，美国大萧条就要来了，车价砍半
不是老车多牛逼
而是新车也很贵
还有所谓的供应链问题
大家有时不得不买老车而已
而是新车也很贵
还有所谓的供应链问题
大家有时不得不买老车而已
ccmath 写了： 2023年 9月 27日 01:15 二手市场看车型，抢手，可靠的老车要升值。
现在十年的corolla都要一万五左右了，靠近MSRP.
更老的00-05 Corolla，96-02 Camry，03-10 RX350 这一类东方不败，如果车况好估计还会升值。新车光顾着省油，不太可能再有这么耐用的了。
我弟很快要进入满大街老破车的时代。有渠道的，可以投资junk yard.
Re: 现金为王，美国大萧条就要来了，车价砍半
最近的cox automotive 数据，我弟屁民有一半只能负担起400刀的车贷。
现在二手车贷款利率13%起，唯一能让屁民付得起贷款的方法，就是延长还贷时间。至少十年八年
除了老一代dfbb, 那个车能撑这么久？
现在二手车贷款利率13%起，唯一能让屁民付得起贷款的方法，就是延长还贷时间。至少十年八年
除了老一代dfbb, 那个车能撑这么久？
Re: 现金为王，美国大萧条就要来了，车价砍半
可以把债给roll over到下一辆车的贷款上，美国好多p民这么干ccmath 写了： 2023年 9月 27日 11:32 最近的cox automotive 数据，我弟屁民有一半只能负担起400刀的车贷。
现在二手车贷款利率13%起，唯一能让屁民付得起贷款的方法，就是延长还贷时间。至少十年八年
除了老一代dfbb, 那个车能撑这么久？
Re: 现金为王，美国大萧条就要来了，车价砍半
车子要是在贷款还清之前挂了，那屁民就换一辆车，永远要还车贷。房子大家买不起了，二手车在我弟已经变成了割韭菜的最好方法。
Carvana看起来是个卖车的，但是实际上是用车作为壳子卖贷款的。他家主要的收入是package car loans into securities. 本质上和08年次贷危机那个时候搞房贷的公司差不多。
Online car-sales giant Carvana has seen its stock value jump 1,000% since the middle of the pandemic, fueled by high used car prices, low interest rates and its socially distanced business transactions. After consumers click buy, the company delivers the car to their doorstep.
But the company is also making money by selling its car loans upfront and immediately booking the revenue, rather than keeping the debt on its books and servicing the loans, as other car sellers do.
The financing technique is generating 36% of the company’s revenue, The Wall Street Journal reported.
In the first half of this year, the company sold $3.1 billion in loans, double its volume during the same period last year, helping to drive company value to $63 billion, making it more valuable than Ford.
The financial mechanism isn’t all positive. Although it’s making money because investors are willing to buy, at a premium, the company’s loans, after they’re packaged into bonds, that could change if the market experiences a downturn. Should that happen, the company could be forced to sell the loans either at par or a discount, leading to a big drop in revenue.
Even if the market stays strong, the Journal reported, the company is giving up future profit in exchange for the upfront revenue. Other car sellers are positioned to generate higher lifetime revenue from their loans by keeping the debt on their books, after securitization, by retaining the servicing business.
In addition, Carvana’s upfront sales can result in big up-and-down swings, since the revenue stream moves in tandem with the frequency at which its loans are securitized.
Carvana看起来是个卖车的，但是实际上是用车作为壳子卖贷款的。他家主要的收入是package car loans into securities. 本质上和08年次贷危机那个时候搞房贷的公司差不多。
Online car-sales giant Carvana has seen its stock value jump 1,000% since the middle of the pandemic, fueled by high used car prices, low interest rates and its socially distanced business transactions. After consumers click buy, the company delivers the car to their doorstep.
But the company is also making money by selling its car loans upfront and immediately booking the revenue, rather than keeping the debt on its books and servicing the loans, as other car sellers do.
The financing technique is generating 36% of the company’s revenue, The Wall Street Journal reported.
In the first half of this year, the company sold $3.1 billion in loans, double its volume during the same period last year, helping to drive company value to $63 billion, making it more valuable than Ford.
The financial mechanism isn’t all positive. Although it’s making money because investors are willing to buy, at a premium, the company’s loans, after they’re packaged into bonds, that could change if the market experiences a downturn. Should that happen, the company could be forced to sell the loans either at par or a discount, leading to a big drop in revenue.
Even if the market stays strong, the Journal reported, the company is giving up future profit in exchange for the upfront revenue. Other car sellers are positioned to generate higher lifetime revenue from their loans by keeping the debt on their books, after securitization, by retaining the servicing business.
In addition, Carvana’s upfront sales can result in big up-and-down swings, since the revenue stream moves in tandem with the frequency at which its loans are securitized.