premise: A new car costs almost as much as what a home cost 30 years ago . So , affordability is an issue for many Canadians , especially those buying a first vehicle . Car dealers love to advertise low rates or zero per cent financing , but that assumes you have good credit . What if you have dodgy credit ? Why is affordability an issue for many Canadians ?
hypothesis: Because many of them do n't earn enough money for a new car .