# Lesson Objectives. Procedure

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5 LOAN SHOP (15 min.) 23. I need 4 volunteers for this activity. Each of you will be a loan officer from one of the financial institutions on the Loan Calculations Worksheet. I will come to you one by one and ask you for the terms of the loan. Then I will decide which loan to go with. Everyone else needs to be paying attention because you need to get the monthly payment down on your sheets as well. 24. On the sheets all the terms are filled in except the monthly payment. To find the monthly payment, you divide the Total Cost of the Loan box by the number of months that you have to pay the loan back. You may want to ask students to raise their hands and guess how to do this. It can help to use a transparency of this sheet so you are able to write in the monthly payments. 25. Choose your first loan officer. Walk up to her or him, shake hands. Introduce yourself and ask about each of the terms, saving the monthly payment for last. 26. Is this is a fixed rate loan or a variable rate loan? All the loan rates are fixed. What could happen if it was a variable rate? The rate could change and I might have higher payments. 27. After the students tell you what the monthly payment will be ask the class, Can I afford this payment? 28. Point out that the longer the term of the loan the more you pay in interest, so even though the payments are smaller, you are really paying more. 29. Also notice that the interest rate goes up the longer the term of the loan is. This is because the financial institution knows that the longer you own the car, the more risk exists that it will break down and you will stop paying on the loan. They manage that risk by charging you more. 30. If my credit report contained information about late payments on other bills, would my interest rate go up or down? Up! 31. I chose Syracuse Cooperative Federal Credit Union as my loan provider because they had the best loan terms that I could afford. Generally, you want to get the loan with the shortest term and the lowest interest rate you can find that you can afford to make the payments on. 32. A student may point out that it costs more than the \$250 I budgeted per month to spend on the car payment. Discuss how I might cut back on other expenses to make that slightly higher payment and how much money that will save me in the long term. Mortgages and other long term loans are the same, paying just a little bit more up front can save you lots of money in the long term. 101

6 CHECK AND REGISTER (3 min.) 33. Have students fill out a check for their first payment on the loan and fill out a check register to keep track of the expenses. Do this together as a class. Note to instructor We have calculated this at 57 minutes of teaching time. This is the minimum, it can take much longer. Feel free to adjust the time according to students needs. 102

9 Name Date Directions Calculate the monthly payments for each loan and then decide which loan would be best for me based on what I can afford per month. Loan Company Length of Loan APR Monthly Payment Total Cost of Loan HSBC Bank 2 years (24 months) 5% \$ \$6, Syracuse Cooperative Federal Credit Union Chase Bank 3 years (36 months) 4 years (48 months) 6% \$ \$6, % \$ \$7, M & T Bank 5 years (60 months) 10% \$ \$8, How do you get a loan? 1. Look at all the options and get your Truth in Lending Statement (form requiring banks and credit unions by law to give you all the terms of any loan). 2. Make sure you can easily afford the one you choose (no more then 20% of your income for a car or 30% for a house). 3. Fill out the application. 4. The credit union or bank will check out your past history of payments, number of loans and credit cards you have, how much money you owe, and any past judgments against you. 5. They will judge you on the 3 C s of Credit. 6. They let you know by mail if you are confirmed. If you are you get a check, buy the car, and start making payments. (If you are denied the loan they are legally required to tell you why they denied you (Truth in Lending). 105

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13 Reliability (1=worst 5=best) Price Gas Mileage (city/highway) Safety (1= worst 5=best) Space 5 \$ 5,575 26/30 4 Seats 5 people Here are some reviews from owners. Owner 1 Pros ENGINE AND TRANSMISSION LONGEVITY Cons Looks, power, handling... Multiple electrical gremlins... Oversensitive Toyota alarm that goes off too easy... Gas mileage is not as good as they say, not safe, interior is too small (5'11") Overall Review: This car will mechanically last forever, but accessory wise is the pits!!! And handling does not even qualify for second rate. Also I had a 2005 Corolla as a rental for 6 weeks and 1,700 miles... Toyota s handling is still not as good as its competition (VW). I also have a friend who owns a 2003 Camry... After these three Toyotas... Would never buy one!!! Owner 2 Pros Very dependable, good gas mileage, paint still looks good, almost everything still works. It actually does great off-road, doesn't die out on me when I get the engine wet. It accelerates well. Cons I had to replace the motor mounts at about 90K. The starter went out shortly after that. Some of the interior gadgetry seems a little cheap. The seat belt recoil springs quit working about 3 years ago. Overall Review: A lot of things about this 9 year-old car still seem new. The doors and windows work perfectly. The engine, with 140,000 miles, sounds and performs like it is still new. Hardly any oil consumption, no leaks. I will probably get another one of these if this one ever wears out. 109

14 Reliability (1= worst 5= best) Price Gas Mileage (city/highway) Safety (1= worst 5=best) Space 5 \$6,500 29/36 4 Seats 5 people Here are some reviews from owners. Owner 1 Pros: Very reliable, car is 11 years old and drives like new. I bought it in 98 with 30,000 miles it has 176,000 miles now and it still drives the same. Only minor maintenance was required (tires, brakes, oil changes). It is not a luxury car of course, but it's very comfortable, yet spartan. Gas mileage is great, air conditioning works well, sound system is decent. In short, everything in this car works the way it is supposed too. Trouble-free. Cons Well it is not a sports car and it can be slow sometimes, but I don t really care. I am not a fast driver. Overall Review Overall it is nothing special, but it is a great reliable transportation. If you are a car fanatic who demands extreme performance and handling well, why are you even reading this? The Civic is obviously not the car for you. But if you need an extremely reliable and comfortable car for daily driving, it can't get any better than this. Owner 2 Pros 179,000 miles and only 750 dollars in repairs...minus the givens such as tire, brakes, and normal wear...great, reliable, economical car. Cons As it ages, most problems seem to be electrical...windows, locks, nothing that keeps it from on the road, just little annoying stuff. Overall Review: Wish the new civic was more like the Why change a good thing? 110

16 Name Date Directions Calculate the monthly payments for each loan and then decide which loan would be best for me based on what I can afford per month. Loan Company Length of Loan APR Monthly Payment Total Cost of Loan HSBC Bank 2 years (24 months) 5% \$6, Syracuse Cooperative Federal Credit Union Chase Bank 3 years (36 months) 4 years (48 months) 6% \$6, % \$7, M & T Bank 5 years (60 months) 10% \$8, How do you get a loan? 1. Look at all the options and get your Truth in Lending Statement (form requiring banks and credit unions by law to give you all the terms of any loan). 2. Make sure you can easily afford the one you choose (no more then 20% of your income for a car or 30% for a house). 3. Fill out the application. 4. The credit union or bank will check out your past history of payments, number of loans and credit cards you have, how much money you owe, and any past judgments against you etc. 5. They will judge you on the 3 C s of Credit. 6. They let you know by mail if you are confirmed. If you are you get a check, buy the car, and start making payments. (If you are denied the loan they are legally required to tell you why they denied you (Truth in Lending). 112

17 Name Date Directions Make this check out to the financial institution for the amount of the monthly car payment. Then record the payment in the check register below to make sure you always know how much money you have in your checking account. 101 Date PAY TO THE ORDER OF \$ DOLLARS Syracuse Cooperative Federal Credit Union For Eastside Office 723 Westcott Street Syracuse, NY Southside Office 401 South Avenue Syracuse, NY Signature /11 Paycheck /14 Groceries

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