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below are the important steps you should follow before buying a good used car in Pakistan.

1. Come up with a Manageable Budget Very Happy
If you manage your household expenses and balance your checkbooks regularly this should be a fairly easy exercise for you. Figure out your monthly expenses, including groceries, utilities, kids education, entertainment and financial payments. Now figure out how much you save in a month and the liquid savings you have in the bank. Using these numbers you should be able to come up with a decision as to how much you can spend and whether you require any extra financing. Remember that Car Financing is hard to obtain in Pakistan these days so it might be useful if you know someone in the Banking Industry.

If you do require financing, local Banks like MCB, UBL and HBL are probably your best shot. Processing fees are normally Rs. 4000.00 and most Pakistani banks do not finance used cars that are more than five years old. Down payment on the loan is normally fifteen percent with interest rates averaging 11 to 12 percent. You have to get the used car you're interested in buying appraised by an authorized dealer to decide the value of the loan. The easier thing to do initially is ask them for a ball park figure for your particular make, model and year (mention the mileage as well). d

2. Decide on a Car Manufacturer and Model
The key to deciding on a make, model and year is the resale value of the car you're buying. Toyota, Honda and Suzuki are the most common manufacturers and often get the best resale value in Pakistan. Certain models are far more popular than others and hence, also get better resale value. Plan for the future and think when you're likely to sell your car and ask an auto-dealer in your city how much your car is likely to depreciate in that time period.

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