Over the last few years, the Fed has been paying attention to various economic indicators to determine how to proceed with interest rate decisions, one of which is job creation in the United States. When a jobs report finds that fewer positions were added than expected, it can lead to the Fed lowering rates to prompt economic growth, which, in turn, creates opportunities to improve your financial situation. Read Next: I’m a Self-Made Millionaire: Here’s How I Use ChatGPT To Make a Lot of Money Explore Nex ...

SBI returned 11 EMIs of car loansChhaya Sharma, a resident of Karawal Nagar, had filed a complaint against SBI and Despite having sufficient balance, 11 EMIs were returned, three marked as “insufficient funds” and eight as “invalid account.” SBI also levied ₹4,400 as bounce charges.Customer’s complaintSharma argued that her account statements clearly showed adequate balance at the time of EMI deductions, yet the payments were dishonoured. She further stated that even after repeated visits and representation ...

文章核心观点 - 夫妻或伴侣在合并财务时 若一方存在未披露的债务等财务问题 将引发信任危机和潜在风险 财务不忠可能发生在任何关系阶段 [1][2] - 建立财务透明度对于维护关系稳定至关重要 金钱问题是导致关系冲突和离婚的第二大常见原因 [6] 合并财务的影响与责任 - 合并财务是伴侣关系中的重要一步 但个人的信用评分始终保持独立 信用机构不追踪婚姻状况 [3] - 申请联合贷款时 贷款机构将双方视为一个财务单位 一方的高债务收入比可能导致贷款被拒 [4] - 联合账户中的任何活动 包括逾期付款 将影响双方的信用评分 [4] - 一方婚前已有的债务仍属个人责任 另一方协助还款时应避免将名字添加到原有信用卡上 以免影响自身信用 [4] - 若负债方去世 另一方通常不自动承担其债务 债务将由逝者的遗产偿还 不足部分通常无需偿还 [5] 财务透明度的重要性 - 约三分之一的美国伴侣认为金钱是冲突的来源 [6] - 金钱问题是导致离婚的第二大常见原因 [6]

核心观点 - 2025年第二季度新车置换中负资产比例超过26% 为四年多来最高水平 突显汽车债务风险加剧 [1][2] - 高车辆价格和高利率等可负担性压力 加剧了过早置换或将债务滚入新贷款等决策的负面影响 [3] - 负资产状况导致消费者月供和融资额显著高于行业平均水平 财务压力增大 [5] 负资产状况分析 - 负资产指车辆贷款余额高于车辆当前价值 平均欠款金额为6754美元 [2] - 在置换车辆时 负资产问题尤为突出 消费者需同时偿还原有欠款并承担新贷款支付 [2] - 将负资产滚入新贷款的消费者月供平均为915美元 比行业平均月供756美元高出21% [5] - 将负资产滚入新贷款的消费者融资额比典型新车买家多出12145美元 [5] 行业趋势与影响 - 汽车贷款负资产并非新趋势 但在当前金融环境下其风险高于以往 [3] - 消费者更容易陷入负资产困境 行业面临债务风险累积的挑战 [3] - 为应对负资产 部分消费者可能选择租赁下一辆车而非融资购买 但会导致月供高于典型水平 [7]

During this festive season, SBI is offering an auto loan with zero processing fees, zero prepayment charges, no foreclosure fees after two years, and up to 100% on-road price finance, the bank announced in a tweet.Data from Paisabazaar shows that private and public bank interest rates on new car loans of Rs 5 lakh for a five-year tenure range from 7.6% to 14.25%. Among public sector lenders, Also read: While Getting a car loan at a low interest rate depends on several factors. These include borrower-relate ...

信用卡债务 - 2024年第二季度信用卡平均利率达22.78% 接近历史最高水平 [3] - 68%有负债退休人员持有未偿还信用卡债务 [4] 住房贷款 - 超过1050万65岁以上美国人仍持有住房贷款 [4] - 75岁以上人群住房贷款持有率从1995年5%升至2022年25% [5] - 住房贷款中位金额从1995年1.4万美元增至2022年10.2万美元 [5] 汽车贷款 - 2025年第一季度新车月供745美元 二手车月供521美元 [6] - 汽车贷款占退休人员非住房贷款债务比例达33.3% [6] 学生贷款 - 婴儿潮一代学生贷款平均余额达43,554美元 [7] - 60岁以上人群学生贷款债务人数过去20年增长6倍 [7] - 60岁以上人群学生贷款债务金额过去20年增长近20倍 [7]