To sail towards new horizons, to set sail and weigh anchor, the boat continues to make many “earthlings” dream. From dream to reality, there is sometimes only one step to take: that of boat credit .
Which boat to choose?
From the catamaran to the open cruiser, from the fishing boat to the yacht, from the cruiser to the sailboat, today there is a very great diversity of boats. In this maritime universe, several criteria make it possible to orient oneself towards the right boat:
- use / activity: freshwater fishing boats are not designed for comfortable cruising, and vice versa. The use of the boat provides a first indication of the type of boat to choose;
- dimensions: unless you are wealthy, it seems pointless to acquire a yacht over 100 feet for a romantic ride for two on the water. According to the same logic, it will be difficult to embark the whole family in a small jet boat;
- the budget: it includes the purchase of the boat, new or second-hand, but also the operating costs (equipment, insurance, security, etc.).
What credit for a boat?
The boat loan allows the purchase of a boat in a traditional way with a sum borrowed at a credit rate fixed in advance, which differs according to the amount of the boat loan and the number of monthly payments. Most credit organizations are inclined to offer, under certain conditions, boat loans of up to $ 100,000 over 84 months, or even more in certain cases.
The boat loan can be a personal loan, or a vehicle loan used only for the purchase of a boat, or even a mortgage if the boat is to become a home! It should be noted that for several years, the boat has lent itself like the automobile to the game of LOA (Rental with option to buy). Credit conditions will differ from case to case; for example, you can check the vehicle credit rates for more information on what you can expect when you choose an assigned boat loan.
What price for a boat?
The type of boat and its dimensions obviously depends on the price of a boat. The range in this area is extremely wide, ranging from less than $ 60,000 for a small used sailboat to several hundred thousand USD for high-end boats.