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If you have a loan for 0% and you have extra money to burn, you should never pay the loan off quicker. Why?....

Because you can take the extra money and put it into another form of investment that earns a percentage of income for you. Even if it's only a couple percent in a bank savings account. That's money that you never would have made if you pay the loan off earlier.

When you have a 0% loan, you NEVER pay it off early. The only loans that you pay off early are the ones that are costing you a higher percentage in interest than you can earn on your own in the open market.

The reason people pay off loans early is when the interest is high.

A 0% loan is money in YOUR bank. Keep it there.
 

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As a side note,

I just paid off my Bullitt car loan by taking out a home equity loan.

Now I'm only paying half the interest and the interest I do pay is deductable. I probably will save $3000 over the life of the loan.

Dropping interest rates do have their advantages.
 
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