[Advantages and disadvantages of replacing cars in 3 years] Thorough explanation together with how to transfer to a great deal!

This is a milestone of three years, which is the first car inspection after purchasing a new car.It is very worrisome for those who are close to vehicle inspection, whether replacing a car at this time is a great deal or a loss.

In this article, I will explain the advantages and disadvantages of replacing a car in three years, and the five methods for replacing it at a great price, and the timing of replacing it except for three years.I hope it will be helpful to judge whether you should buy your own car.

→ [Recommended by this site NO.1] Examine the purchase price now with a batch assessment of the car sensor!

Are you thinking about buying a car new soon?Check the purchase price before trade -in!

Trade -in tends to be lower than selling to a purchase store.

If you want to sell your car at a high price, it is important to know how lower it is compared to the purchase price.

If you suddenly trade in, it is difficult to judge whether the presented assessed value is low or high, so let's grasp the sense of market at least once.

Batch assessment is convenient for comparing the assessed value without any hassle.

Above all, car sensors can apply for an assessment to a maximum of 30 companies, and it is also possible to send an "email contact" to avoid the tendency to do in collective assessment.

Compare the purchase assessment of multiple companies easily and sell your car at a high price!

→ Easy on the Internet, up to 30 companies collective assessment!Click here for free batch assessment of your car! [Completed in 90 seconds]

1. What are the advantages and disadvantages of buying a car in three years?
   1. 6 merits to buy a car in 3 years
   2. Merit 1: Transline / purchase assessment is high!
   3. The residual rate is over 50 %
   4. Remaining rate when replacing a new one in the third year
   5. Merit 2: You can always continue riding a new car
   6. Merit 3: Fits in the validity period of the new car warranty (3 years)
   7. Merit 4: Fits in the new car discount period (3 years) of voluntary insurance
   8. Merit 5: You don't have to pay the vehicle inspection cost
   9. Merit 6: There is almost no expensive maintenance fee
   10. 3 disadvantages to buy a car in 3 years
   11. Disadvantages 1: If you buy a new one every 3 years, the cost will be bulky
   12. Use the residual value setting loan to alleviate the bulk of costs
   13. Disadvantages 2: Low cars with resale value loses
   14. Disadvantages 3: In many cases, the loan has not been paid off
2. Five ways to buy a car in 3 years
   1. ① Do not cause an accident
   2. ② Ride beautifully
   3. ③ Don't run too much
   4. One Point: Why the mileage can be reduced if you don't get on on a rainy day
   5. ④ Sell to a place where you can buy it a little higher
   6. It is important to have not only trade -in but also purchase assessment
   7. If you compare the assessed value, collectively assessment!
   8. There is also a method of auction assessment, which is gradually becoming popular
   9. ⑤ Effective use of residual value setting loan
   10. The residual value setting loan is often set in 3 years
3. Let's remember the "good replacement timing" other than 3 years
   1. "5 years" that can avoid significant decline in purchase prices
   2. "7 years" that can reduce total maintenance costs
   3. Just before the full model change, it is advantageous to buy a new one
   4. It's just right for replacement when the price of the vehicle inspection is expensive
4. If you still have a loan, let's remember how to sell loan remaining bonds
5. summary

What are the advantages and disadvantages of buying a car in three years?

There are many benefits to replacing cars in three years.On the other hand, there are quite a few disadvantages.

In the first part, I will explain in detail about the six merits of replacing cars in three years and three disadvantages.

6 merits to buy a car in 3 years

First of all, I will explain the merits of buying a car in three years.The following six points are more advantageous to buy in three years than to buy a new one at the time of 5 or 7 years.

Merit 1: Transline / purchase assessment is high!

The biggest advantage of buying a car in the third year is that the value of trade -in and purchase is high.

The reason why the assessed value increases is that dealers and purchase shops are less expensive for maintenance after picking up cars, and low mileage and less scratches and deterioration of paint, so they are high when resale.It can be sold.

The residual rate is over 50 %

Although there is a residual value rate as an index that represents the value of the car, most cars exceed 50 %, and even after three years, they will sell at more than half the price when purchased.For popular models with high resale value, some cars have a residual value of over 70 %.

In this way, by selling cars as soon as possible, it is possible to reduce the purchase burden of the next new car.

However, even if you continue riding for 5 or 7 years, in the case of a car with a high resale value with a high residual price, you can let go in the third year in the long run.On the contrary, you may lose, so be careful when replacing.

Remaining rate when replacing a new one in the third year

For reference, let's check the remaining value of the typical cars.Most of the cars in the third year of the first vehicle inspection exceeded 50 %, but in the fifth year of the second vehicle inspection, about 30 % to 40 %, the third vehicle inspection.You can see that it tends to fall to around 20 %.

Usage tool: Toyota trade -in simulation / navigation purchase / trade -in market price

As a matter of course, if you want to buy a new one as the assessed value as high as possible, there is no difference that the third year is the best if you compare it at the timing of the vehicle inspection.

Merit 2: You can always continue riding a new car

It is also an advantage that you can always ride a new car by replacing a car at a pace once every three years.

After three years, the family's lifestyle and changes in hobbies and preferences will be well considered, and you will be able to send a comfortable car life by riding the best car at that time.

In addition, even in the case of the same model, it is possible to keep riding a new model car by replacing it every three years.Recently, the model change cycle has been prolonged, but if a new model of a minor or full model change is released in three years, you can continue riding a new model car in a rosary connection.

Merit 3: Fits in the validity period of the new car warranty (3 years)

One of the advantages of three years after purchasing a new car is within the validity period of a new car warranty of a manufacturer that guarantees most parts except for consumables.

The new car warranty of the manufacturer is also known as the "general warranty", and the warranty period is said to be the warranty period from the new car to the earlier of the new car or the earlier of 60,000 km, and most parts, including the electrical components, are covered by the warranty.It is.

For this reason, if you buy a new car guarantee within the last three years, there is an advantage that the target parts will not be incurred even if it is necessary to repair or replace the target parts.

Merit 4: Fits in the new car discount period (3 years) of voluntary insurance

There is a new car discount on voluntary insurance for cars, and it is also an advantage that it will be in three years, the longest period.

A new car is a service where the insurance premium is discounted because of the low risk of an accident, and most insurance companies apply new car discounts.

The subscription conditions vary depending on the insurance company, but within 25 months from the first registration month of the new car is a certain period of new car discount.Since the insurance contract is basically a one -year contract, updating the contract in the 25th month will apply a new car discount for up to three years.

However, it is important to note that depending on the insurance company, the new car discount is not applied or the discount rate differs.

Merit 5: You don't have to pay the vehicle inspection cost

One of the advantages is that by replacing a car in less than three years, which is the first vehicle inspection after registering, you will not have to pay the cost of vehicle inspection at least.

If the cost of vehicle inspection is roughly divided, there are three types: "statutory cost", "basic vehicle inspection fee", and "parts replacement / repair cost", and the statutory cost that will always be paid varies depending on the model, although the difference depending on the model. takes.

In addition, the basic fee for inspection and maintenance is within the validity period of the new car warranty of the manufacturer, so most of the dealers are said to be the most expensive dealer.It depends on the model, but it costs around 50,000 yen, and at least it costs around 100,000 yen when combined with the statutory cost.

Furthermore, regarding parts replacement and repair costs, there are quite a few thousands of consumables, such as batteries, air cleaners, and brake oils, which are the guidelines for replacement in the third year.A circle may be added.

Depending on the condition of the car, there are parts that can be passed through the vehicle inspection without replacement, but it is customary to replace it as it is pointed out as the first vehicle inspection.

Merit 6: There is almost no expensive maintenance fee

It is a great advantage that there is almost no expensive maintenance costs within three years after purchasing a new car.

Most parts excluding consumables are the new car warranty period, so there is no repair cost of repair or parts, so it is highly likely that small maintenance costs such as oil change and wiper blade exchange will be required.。

Of course, depending on the mileage and how to handle the car, it is unlikely that you will be able to hit the expensive maintenance costs that you will not think of in the three years after purchasing a new car, and if you replace the car every three years, you can buy a new car.Paying expensive maintenance costs may be unrelated to your life.

3 disadvantages to buy a car in 3 years

There are disadvantages, such as replacing cars in three years, such as bulky costs, low resale value cars, and often not paid off.

That is the following three.

Disadvantages 1: If you buy a new one every 3 years, the cost will be bulky

There were a lot of benefits to replacing a car every three years, but be sure to keep in mind that it will be bulky in total.

Let's check the car with a new car purchase price of 3 million yen in an easy -to -understand one at a pace every three years, and check the case that was sold nine years later.Depending on the model, if the residual price rate in three years is 50 %, the assessed value will be 1.5 million yen.

On the other hand, let's say you have been riding a car with the same new car purchase price of 3 million yen for nine years, and the residual price rate in nine years was 5 %.In that case, the assessed value is almost zero at 150,000 yen, but even if you pay three times the vehicle inspection and repair fee, the total cost is 1.2 million yen compared to the replacement every three years.It will be less.

This is due to a simple simulation, but given the recent durability of the car that has become less likely to break down, if you buy a new one every three years, the cost will be bulky, and there are also cars.However, in principle, it is better to have less replacement of cars.

Nevertheless, if you can switch to a new car twice with a difference of 1.2 million yen, you can decide this area according to your taste.

Use the residual value setting loan to alleviate the bulk of costs

Unlike a general loan that pays the total purchase price in installments, if you use a "residual value setting loan" that makes a loan for the assumed residual value of the car in a few years, the bulk of monthly repayment costs is eased.It will be possible.

In the previous example, we have a three -year loan for a new car purchase price of 3 million yen, but if the assumed residual value in three years is set to 50 %, a 3 -year loan can be assembled for 1.5 million yen.That means that the monthly repayment cost is low.

However, after the repayment is over, you can return the car, continue riding the residual price, or put it in (3) trade -in and replace it with a new car.

In recent years, not only domestic cars but also imported car dealers have been announcing, and the number of users of the "residual value setting loan" has increased rapidly, but it has not started now, but it became a hot topic more than 30 years ago.I heard that the pioneers of the value setting loan were "Onix", and I think that there are many Showa generations who come with a peen.

Disadvantages 2: Low cars with resale value loses

In the disadvantage 1 mentioned above, the residual value rate is 50 % as an example, but if you replace a car with a low resale value, that is, a car with a low residual value, you will lose further.

The low residual value rate means that the assessed amount is even larger, so if you continue to buy a car in three years, it will be more likely to lose even more.

However, it is important to check the market price rate before selling a car, but it is more important to have the actual assessment price appreciate.

Disadvantages 3: In many cases, the loan has not been paid off

I think that many people get a loan when purchasing a new car, but when buying a new one in three years, the disadvantage is that the loan has not been paid off yet.The most common car loans are assembled in five years, in which case the next new car will be replaced if the loan has not been paid off.

It becomes a so -called double loan state, not only causes interest rates in double, but also increases monthly payments.Depending on the contractor, there are places where the loan is combined into one, but it is important to note that depending on your credit, you may not be able to screen a new car loan.

Five ways to buy a car in 3 years

Replacing a car in three years does not always sell at a high price.Also, even a car that can be sold at a high price will lose if you make a mistake in selling.

The following five are important to buy a car in three years.

① Do not cause an accident

As a major premise to buy a car in three years, it is not an accident anyway.

Although the degree of accidents varies, cars with repairs accompanied by sheet metal paint, or cars with repair history that have been replaced and modified the skeleton (frame) of cars, etc., will trade in and purchase assessments.This is a significant factor in the amount.

(Related article) How much is the assessment of the accident car?Thorough explanation of disadvantages that have a history of repair and whether to repair before assessment

Although it is a car three years after registration of a new car with a high residual rate, it is easy to be evaluated by causing an accident and falls below 50 % residual value.If you have a repair history, you will definitely be reduced because you need an obligation to announce, and repairs with sheet metal painting can be easily detected by the assessor.

It is not to buy a car in the third year, which should be sold at a high price, but be careful not to have an accident.

② Ride beautifully

In order to sell a car as high as possible, it is essential to take care of the car and ride beautifully.

The point is to use a covered parking lot instead of a blue sky parking, not only the body but also the in -car instrument panel and the resin in the interior so that it does not damage the daily maintenance.It is.

However, even if you ride beautifully, it is not to keep the car shiny every day.If you polish it with a compound wax every time, you need to be careful because the paint and clear deterioration will be earlier and the effect may be counterproductive.

③ Don't run too much

It is also an important point not to run too much, that is, to increase the mileage as much as possible.

If you buy a new one in three years, if the mileage is much exceeding 30,000 km, it will affect the reduction of the assessment.

Therefore, it is important not to increase the mileage as much as possible in places where you can walk or bicycle.

In addition, it is one way to avoid increasing the mileage to not ride on rainy days, which will save gasoline and car wash costs.It is recommended.

One Point: Why the mileage can be reduced if you don't get on on a rainy day

Driving on a rainy day is not only dangerous, but also has the disadvantage of getting dirty, so you can reduce the mileage by deciding not to get on a car on a rainy day.

In addition, the place to wash the car varies from person to person, but if car washing cannot be washed in front of the car, it is necessary to move the car to the nearest car wash, not only will you pay for gasoline and car wash, but also the mileage.Each time it will continue to increase.

If you are using a car or parked in a blue sky as a means of commuting, you may not be able to avoid dirt on the car on a rainy day, but you have to keep it in a roof parking lot and ride as much as possible on a rainy day.In my case, the mileage is about 3,000 km a year, and car wash is about twice a year, which leads to gasoline and car wash costs.

④ Sell to a place where you can buy it a little higher

In order to buy a car that has been cherished for three years, it is a very important point to sell it to a place where you can buy it a little higher.

It is quite possible to accidentally lose how to sell, even though you should be able to buy it high.

The following is important to prevent that.

It is important to have not only trade -in but also purchase assessment

First of all, the minimum condition is to have the car purchase a little higher, not only in the trade -in assessment but also for purchase assessments.If you neglect this, you will not be able to determine if the price you bought was the highest assessment price.

In any case, such as trade -in assessments at dealers and purchase assessments by purchase shops, the assessment itself will be performed for free, and there is no need to sell just because you have the assessment.Therefore, let's try not only the trade -in assessment by the dealer, but also at as many purchasers as possible.

* Regarding the importance of comparing the purchase price, it is explained in detail in the article "Is it a waste to trade in?

(Related article) Is it a waste to trade in?If you buy a new car, be sure to check the assessment of the purchase store!

If you compare the assessed value, collectively assessment!

The best measure to have as many purchased stores make an assessment is the collective assessment of the car.Just enter the required items from the Internet and apply once, and multiple purchasers near your home will rush to the business trip assessment for free.

It is a daily occurrence in the world of cars in bulk assessment to have an assessment at about 10 companies purchased and have more than 500,000 yen.Therefore, it is recommended that you always use the car assessment of the car and sell it when you assess the highest price so that you do not regret compared to the trade -in price of the dealer.

* The recommended collective assessment service is explained in detail in the article "[Latest in 2021] Eight Recommended Rankings on the Car Batch Assessment Site! Thorough explanation of how to choose for you!"

(Related article) [Latest in 2021] Eight recommended rankings of car batch assessment sites!Thorough explanation of how to choose that suits you!

There is also a method of auction assessment, which is gradually becoming popular

In order to make every effort to sell cars at a slightly higher price, it is recommended that you use a method of auction assessment, which is gradually becoming popular in addition to dealers trade -in and collective assessments.increase.

The auction assessment is a service in which a broker can exhibit a car in an auction, and a partner -in -home purchase shop competes for bidding, and decides the bidding shop that has been bidded at the highest price.Due to the nature of auctions, it takes a little time to sell compared to the collective assessment, but there are so many participating companies, so it may be assessed at a higher price than expected.

This auction assessment, the largest Eucal Pack in the industry, offers a “new mechanism of buying used cars” that can participate in more than 5,000 companies in one assessment alone, and the number of users is increasing year by year.increase.

Again, the basics of selling cars high are "competing with as many purchasers as possible and presenting assessment prices."Ucer packs are one of the recent recommended services, realizing a mechanism that can sell as high as possible by focusing on "creating a mechanism that does not cost intermediate costs".

→ Click here for the Uker Pack official website

⑤ Effective use of residual value setting loan

As mentioned above, I mentioned a little in the "disadvantage of buying a car in three years", but if you use the residual value setting loan effectively, it will reduce monthly economic burden and make it possible to replace it with a great deal. Become.

The residual value setting loan is often set in 3 years

Depending on the model, the residual value setting loan is also characterized by the fact that the residual value is often set in three years, which is about 50 %, and you want to ride a new car every three years, monthly repayment costs.It is a very useful loan for those who want to reduce it.

However, there are disadvantages of the residual value setting loan, such as incurred additional costs if the value of the initially set residual value remains at the time of settlement, or cannot be customized in consideration of return.You need to be careful when using it.

Let's remember the "good replacement timing" other than 3 years

I have explained the merits and disadvantages of replacing a car in three years, and how to buy a car at a great price, but let's remember the timing of replacing the car out of three years.

"5 years" that can avoid significant decline in purchase prices

After the purchase of a new car, the big milestone, which is the second timing of the vehicle inspection, is also a time for a great replacement that can avoid significant decline in purchase prices.

Until three years, the "new car warranty" was applied, but the car purchased with a new car has a manufacturer's warranty called "special warranty", which applies to any of the 5 years or 100,000 km driving.

This service can be repaired free of charge for car driving and safe parts, such as engine mechanisms such as cylinder heads and cooling devices, power transmission mechanisms such as transmissions and drive shafts, and electronic control mechanisms related to computer.

It can be presumed that such services secure car conditions, and selling before riding on a 50,000 km of 50 years, which leads to a significant avoidance of a decline in purchase prices.。

(Related article) [Advantages and disadvantages of replacing cars in 5 years] Explain the points to determine if it is advantageous to buy a new one!

"7 years" that can reduce total maintenance costs

After the purchase of a new car, the “7 -year” milestone, which is the third vehicle inspection, is one of the timing suitable for replacement because the total price of the residual price drops to about 20 %, but the total maintenance costs can be reduced.increase.

In particular, in the case of domestic cars, the biggest reason is that the durability of the car has been greatly improved, but unlike the past, which was called a car life in 10 years, about 70,000 km.The probability of expensive failure accompanying expensive costs is very low.

Although the residual value rate is 20 %, the 7 -year milestone, which is considered to be the final timing of value, seems to be one of the best replacement times.

(Related article) [Advantages and disadvantages to replace cars in 7 years] Explain the points to judge whether to buy a new one or continue riding

Just before the full model change, it is advantageous to buy a new one

If the car you are trying to buy is just before the full model change, it can definitely be a good time for replacement.It is wise to sell it before it is released, as it is inevitable that the full model change will be significantly lowered by the evaluation of the old car.

If it is three years after purchasing a new car, it will naturally be guided by the dealer, but it is also necessary to negotiate a new car on condition that the trade -in is highly assessed.Good.

It's just right for replacement when the price of the vehicle inspection is expensive

Even if the expensive price estimation cost is presented, it can be said that it is just the right time for replacement.

Depending on the condition of the car, the price of the vehicle inspection is higher than the assessment price.Unless you are a car that is so attached to crush it, if the price of the vehicle inspection is higher than the assessment price, we think that you should replace it.

Probably, it is likely that it will be the same amount of inspection costs in the next two years later, and it is easy to imagine that the economic burden will increase.

(Related article) Best timing to buy cars before vehicle inspection!Explain why replacement after a vehicle inspection is lost

If you still have a loan, let's remember how to sell loan remaining bonds

If you are considering buying a car in three years and have a loan, remember how to sell the car with a loan.

There is an article that summarizes the procedures and precautions for selling as high as possible due to simple questions such as "Can you sell even if you have a loan?"

(Related article) You can also sell cars with loans!Detailed explanation of the method and selling method of replacement procedure by remaining debt!

summary

Buying a new car and buying a car in three years, which is the first timing of the first vehicle inspection, has more advantages than buying a new car in 5 or 7 years.The assessed price is high, the warranty period is set, and maintenance costs are not required.

However, if you repeat a replacement with a span of three years, it can lead to a total loss.Be careful, especially if you have not paid off if you have a low resale value or loan.

In any case, if you want to replace a car in three years, use the trade -in of the dealer, the collective assessment, and the purchase auction, and compare the as many assessment prices as possible and sell it to a company that has been evaluated as much as possible.Is basic.

→ [Recommended by this site NO.1] Examine the purchase price now with a batch assessment of the car sensor!