welcome once again to this channel and today we are going to talk about how to get a
new agency car here in canada it is easy cheap when it is worth it and we are going to see
I am going to speak a little in English because I am going to see how to get the car here
yes
although
santa fe
very cool ok
and we already have the santa fe car of the year and i am going to explain how to do the process
if you can do it the price and everything you can do to be able to get your
new car here in canada from the agency that it is very different than buying it in a private chip
then, well, the ways of how to get a car, well, it is basically in your credit, in your
credit history, true, we all know that if we have a good credit, then there are
more possibilities that they lend you what you want so that you can get the car
of your dreams here new and all you do have to know is that the lower your tube
credit score is, that is, if you have about 600 500, then your interest will go up, right, and if you have high
because the interest is going to go down that's how it works here and they don't ask you much they only ask for your
credit obviously and they also ask for your sim number association is name which is the number
they give you to claim the taxes right this is because well in this in this shows that how
permanent you are going to be in the country, that is, they are not going to lend to someone who is going to be here
for a short time and is going to return to their country, for example, those who have permanent residence
and citizens without hunger It starts with the number 6 right, but those who have and a more
temporary stay such as work visas or study visas without hunger start with the number 9
so only with that number because the ipsi dealers all the bank everyone knows that yes you are going
to be here permanently or if you are going to be here temporarily and with that it can influence whether
they lend you or not or how much or interest but something you have to know here is that you always have
to negotiate with people here not just it's the price you can now negotiate the price a little and
you can also negotiate what they can give you and they can give you an oil change it's free or if they
can check your truck or your car or every certain mileage or anything
you can negotiate a little because yes, it is a bit between the game between the person who sells
and the buyer yes because because we are always trying to get the best the best
gave the best this the best package yes and here I am in the inn right so you can see
what is there different types of brands here in canada basic the ones you see in your country honda nissan high
and day each and every one because they have their way of having the customer not maybe they have zero
percent interest or the interest is lower or zero down, that is, you do not have to pay any advance
payment, this advance payment to get your car, what is different is that each one, well, can ask you for
some different things, maybe in one of them they ask you for the prison of your work that paid you Every 15
days maybe they ask you to know if you have a secure or stable job or
anything, so depending on credit, it is the most convenient, but something that I do want
to comment on is that it is not always good to buy a car. new from the agency because the prices are
going to be worth more, it's not the price it's going to be because he's going to be charged from a store more apart, they're going to charge you a yes
called paperworks and they do the paperwork for your purchase and send it to the bank to see if who
who is going to lend you to different banks and all this is because they charge you so they charge you for that
purpose and this also taxes the tax they are going to charge you many say well then I am going to charge
myself I am going to save the tax if i buy a second hand car well let me tell you no here
in saskatchewan also if you buy a second hand car you will also pay the tax
so what do you buy a new tax if you buy a used tax if it is five thousand dollars and
down when not you need to pay the tax if it is a car of five thousand or less you do not need to
pay the tax but from then on you will have to pay it and it is 11 percent so you have
to be very careful because sometimes you say ah it's worth seven thousand dollars but in the end it's
going to be 7777 right because it's 11 percent and well, all that to keep in mind
also something very important is that in the dealers ships here in the agencies or in the private ones, which
is where the most They make you a fool, as we say in Mexico, it is because when you buy a
second-hand car there is no established price as legal to the public as a circle, you will buy brand new,
so they can set the price they want and it can be a car, well run around
and many a lot of mileage and everything and even so they will give it to you at the price they want because many
people here what they want is credit to build their credit and one of the ways is to get a
car get a house yes a card of credit, then many people go to the car first, they are not going
to get their car and with a very high interest rate because maybe you are not in the country much, maybe
your credit is very bad, you simply do not comply with the reasons for them they give you
a good credit and they always want to give you a very high credit and they increase many many
things within the price, for example, mileage guarantees, insurance guarantees and all this
and there are times that you don't even go to the garage if it has something and you don't it covers but you already bought it, truths are
good, then because when I just got here I went to about 10 dealer sites, I didn't
know that they all handled the same thing, I thought I knew depending on where I was going to be, and they're going to treat me
differently, but It's not the same in all of them, and well, if they want to add prices to what they don't, for
example, I'm going to give you an example: this is if you want to buy a car, but you, this budget is
200 dollars or 150 dollars, for example, this is their budget . They take it into consideration.
For example, if the car is worth 10 thousand dollars, but you said you know that my budget is 200 a
fortnight, they are going to do everything possible so that your payments are 200, even though that car
would have been the payments of about 100 or 150 but they increase it to be able to make you happy ps
happy of the 200 dollars that you asked for, which is your budget, but really that car is not worth
it, they simply added insurance, they added this guarantee, taxes and everything, and
it will go up much more, but you're happy because it's 200 dollars a month, a week or a fortnight
or a month depending on how your term is, but for many years, right, seven years, five years, I
've seen a lot of people who buy second-hand cars here and they don't have much credit they don't have
much credit and they work a little job out there so the dealer ships take advantage of that
the car dealers take advantage of that and tell you oh if your budget is 200
dollars then that's it Get the one you want and well, obviously in the private dealers they have
everyone's cars but most of them have very used cars no thing that you wouldn't want here
in Saskatchewan the mileage is high because the distances are long so here a car with 60
thousand kilometers it is very new so because well 60 thousand is very little compared to what is traveled
here here it is very common to see over 150 200 300 thousand kilometers if you want a cheap car and
you want less than 50 thousand then you are going to pay premium price because, well, the agencies
are going to charge you well, now this is the axis of these agencies, this private money, what they
do is this, they take advantage of it, they give you a very high price and then they charge you with insurance if everything
is so they have a lot Be careful if you want to get something I don't know about a car here make sure that your interest
is low and that you don't add insurance I went out in hiding that doesn't make them add
anything the pure price of the car and the tax and that's all because because later if you sign
something but those 200 dollars you say hey if I can pay them but they are going to be for five or six years
something that car is only worth paying for two or three years if I explain myself that's why it's a Sometimes it is
very different very different in each one and you have to be very careful if in any case you go
to a dealer skip and they don't lend you they tell you no because many say yes that even if you don't have
anything even if you are bankrupt they lend you but the interest I tell you is going to be high but if you can't , it
's better to go to your bank and have them lend you a peru or a personal loan and it's better the personal loan
is better and you pay it to your bank little by little because the dealers Sometimes they want to fit
in and they don't stop you from doing the rest because for them it's just business, right, and you have
to keep in mind that it's not good to be going to the different ones, this chip because because they're
going to open up your credit history and every time the history is slow credit in different
places that is bad and they will lower it so it is very bad if you are going to buy a car make sure
they tell you the payments and the term and all the conditions before you sign something before
you open your wall of credit because because if you didn't like how your numbers are I don't know about your payments
or all that after saying no and it doesn't affect you at all but if they already opened your wall forget
about it and if you didn't buy it then you're going to go to another divership yes and the
same thing will happen and the other one and you your credit history is going to drop so please make sure that if you are going to
buy a car you look well before signing yes yes yes you like the numbers I tell you and then
you can buy it and they open it for you but you already know that it is a safe purchase yes because it is very
very very complicated sometimes I did not know that it is a trick a tip no trick a tip that I give you
because I lived it I was like to 10 dealer ships at the beginning that it arrives in canada there are many mentions
that you don't have much time and here the banks don't want to lend you but I do lend you but it's going
to be high but it's worth it and they want to brainwash you the truth is you don't buy your car from you
at your steps and if you see that It is not the time, it is not the time, if you see that a personal loan is
better at your bank, it is better, it is better to save or pay it in cash, but do not go with the feint
here that yes, yes, they give you credit, but you have to be smart because you don't have to pay more
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be able to know what it is like to live here in canada and what you are going to expect when you come here see you