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The purpose at which someone trapped in an extended-term car payment scheme breaks even will fluctuate with the depreciation price, interest rate and size of the mortgage. Here are pattern calculations. Word that a shorter-maturity loan pays down far more precept within the first yr, and so purchasers aren’t underwater for long. The price, after all, is a better monthly payment. Here I assume (unrealistically) that the loan is for 100{cbf34e5eb0b6bd76a455f33fd47a0c18e72cf766be62313d745ebe37fbad3a79} of the automobile worth as reflected in the resale market – no extended service plan rolled in, no downpayment. The number of permutations with the latter is unwieldy. So if the automobile is valued at $60,000, then with a $10,000 downpayment (or tradein plus incentives), an 84-month, 7.6{cbf34e5eb0b6bd76a455f33fd47a0c18e72cf766be62313d745ebe37fbad3a79} mortgage stays rightside-up all through however supplies $5000 equity only in the first year, before that $60K has depreciated a lot, and then once more from the 55th month.

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