退休前/后买车,哪个更合适?

Should I Buy A Car Before Or After I Retire? 

退休前/后买车，哪个更合适？

As Jalopnik's resident car buying expert and professional car shopper, I get emails. Lots of emails. I've decided to pick a few questions and try to help out. This week we are discussing the timing of buying a new car around retirement. 

作为美国汽车测评博客（Jalopnik）的常驻购车专家和专业购车者，我经常收到很多邮件。所以我决定挑一些问题作答。本周，我们将讨论退休前后买新车的问题。 

First up, if you are coming up on retirement and think you may need to buy a car, when should you make that purchase? My mom is a teacher but she is going to retire this June. She has an old Mazda 3 with a lot of miles and it will need to be replaced in the near future. She wants to know if it will be harder for her to get approved for a loan after she retires and her income is reduced. 

首先，如果你即将退休并有了买车的想法，那什么时候买最合适呢？我的母亲是位教师，今年六月她就要退休了。她有一辆马自达3，但已经开了很多公里，不久就要换新车了。她想知道，退休后收入减少的情况下，贷款是否更难成功。

This is a good question, and it involves two key components to the loan approval process. The first, naturally, is the credit score. If your mom has good credit and maintains or improves that score, that will be the most important factor in both getting approved and a low rate for a loan. 

这个问题很好，涉及贷款审批过程的两个关键部分。第一部分当然是信用评分。如果你的母亲信用良好且信用分或有上涨的可能，这将是贷款审批通过且获得低利率贷款的最重要因素。

The second aspect of approval is what lenders call the "debt to income ratio." This is where they examine how much money you are borrowing versus how much money you are making. Your mom will be collecting a pension, but that's not a full-time job, so her debt to income ratio might be less favorable after retirement. That being said, as long as her credit score is strong and she isn't buying something ridiculous like a Rolls-Royce, I don't see her having any problem getting approved for another reasonable car. 

审批查看的第二点则是贷款方所说的“贷款与收入之比。”他们会对比你的贷款金额和收入。届时，你的母亲将领取养老金，但这并不是全职工作，所以退休后，她的贷款与收入之比可能并不占优势。话虽如此，只要信用分高且不是购买劳斯莱斯等豪华轿车，贷款买车就不成问题。 

However, if she knows the Mazda 3 is on its way out, she may want to consider getting a replacement while she is still working so she can pay it down while she is making more money. Also, some manufacturers offer additional rebates and discounts for educators. In this case, just make sure her post-retirement budget can handle any payments. 

但如果知道马自达3快要被淘汰了，她也可能考虑在退休前换一辆新车，以便在收入更高之时还贷款。此外，一些汽车制造商还为教育工作者提供了额外的折扣。在这种情况下，只要确保她的退休金足以支付还款额即可。