Chii Chibhadharo Chebha uye Inoshanda Sei?
Saka unoda motokari zvino, asi iwe hauna mari yakakwana yekuzvitenga zvakananga. Kana iwe uri iwe, iwe hausi woga - vazhinji veAmerica havana mari yakawanda varipo kuti vatenge kunyange yemhando yakashandiswa motokari, zvishoma kana imwe itsva. Saka vanowana chikwereti.
Nyika yezvikwereti zvemotokari inogona kukuvadza iwe paunotanga kubuda, saka zvakanakisa kutanga nekunzwisisa kwakanaka kwezvakakosha. Kunzwisisa kuti chikwereti chemotokari chinoshanda sei danho rokutanga pakuwana mari yakawanda pane imwe.
Mota Mota, Anotsanangurwa
Chikwereti chemotokari chakanaka zvikuru chaunofunga kuti chii: Iyo chikwereti chemunhu, iyo yakashandiswa kutenga motokari. Kunyanya kunyanya, chikwereti chekweretesa chikwereti (iwe) mari inotora kuti utenge motokari. Mukudzoka, uyo anenge akwereta anobvumirana kubhadhara chikwereti chikwereti chechikwereti pamwe chete nechido, kazhinji mumwedzi wekubhadhara, kusvikira mutero wakabhadhara uri kubhadharwa zvachose. Pretty simple, kusvika kure.
Kazhinji kacho, chikwereti chako pachako chikwereti chisina kuchengetedzwa. Iko kuti, chikwereti chinowanikwa chete pamusana pekuvimbika kune chikwereti, uye chisina kuchengetedzwa nedzimwe nzira yekubatana. Kweretesa yemotokari yakasiyana pakuti inenge iri nguva dzose yakachengetwa zvikwereti , iyo inobhadharwa iyo motokari pachayo. Uye izvi zvinoreva kuti kana uyo akakwereta asingakwanisi kubhadhara, motokari yacho ichadzorerwa zvakare uye inotengeswa kuti inobhadhara chikwereti chechikwereti.
Zvimwe Zvivako Zvivako Zvivako zveMari Mota
1. Mari yechikwereti
Pane zvikamu zviviri zvinokosha kune mari yekubhadhara kwemotokari: iyo mukuru uye inofarira. Mutungamiriri ndiye mari yekukurukurirana yemotokari pachayo.
Kufarira kunoreva kuwanda kwemari inowanikwa pamusoro pehupenyu hwechikwereti chinoenderana nemutengo mukuru uye iyo inofanirwa kutora mutengo.
2. Chidimbu cheNharaunda
Chirwere chekuda chikwereti chiyero chakakonzerwa kune akakwereta mari yakabhadharwa. Inharaunda inofarira inowanzoratidzwa sezana yegore rimwe chete uye inozivikanwa segore rega rega yepamusoro (APR).
3. Kubhadhara Kubhadhara
Mari yekubhadhara iri mari yepamusoro yemari inobhadharwa nemunhu anenge akwereta panguva yekutenga motokari. Inowanzoratidzwa maererano nehuwandu hwetengo rose. Haisi mvumo yepamutemo kana uchitora chikwereti chemotokari, asi inowanzodiwa nguva dzose nemutengi.
4. Magwaro nemitemo
Izvi zvinoreva kune zvimwe zvinhu zvose zvinoumba chikwereti chemotokari, kusanganisira nguva yechikwereti, inowanzotaurwa mumwedzi inoverengeka kana makore; inshuwarisi uye zvinyorwa zvekunyora chikwereti chekubhadhara chikwereti uye kudzokera zvakare; zvigadziro zvekuchengetedza mamiriro ekubavha kana ngozi; uye mamiriro ekubhadhara chikwereti uye kudzorera . Kune mamwe akawanda akadai, uye wakwereta anonyatsorayirwa kuaverenga pamusoro pazvo uye ane ruzivo rwakajeka rwezvavanoreva vasati vasaina.
Nzira yekubhadhara motokari
Heano nhanho shanu dzinokosha dzaungangodaro uchitevera mukugadzirisa chikwereti chemotokari yako itsva:
1. Sarudza Zvaunogona Kuita
Buda papepa uye uite bhajeti chaiyo inokuudza zvaunokwanisa kuwana maererano nemari yekubhadhara pamwedzi. Zvadaro, sarudza kuti iwe unoda kwenguva yakareba sei kuti chikwereti chako chigare - iyo nguva yechikwereti chako. Zvadaro, sarudza huwandu hwekubhadhara kwaunenge uchida kuita. Chigumisiro chichakuudza kuti unotenga mari yakawanda sei.
2. Tarisa Chikwereti Chakwereta
Zvakakosha kuti uzive kuti iwe unomirirei maererano nekwereti yako chikoro usati wataura nevakweretesi. Vatengesi vanovimba nezvikwereti zvikwereti uye zvikwereti pavanosarudza mari yezvikwereti nemitemo. Iyo yakakwirira chikoro chako chekwereti, nzvimbo yakanakisisa yauchave iwe yekuvhara muzinga rakaderera.
3. Kutengesa Zvakakosha Kupedzisira Kuita
Izvi zvakakosha sezvo mitero nemitemo ichasiyana, dzimwe nguva zvikuru, pakati pevakweretesi. Zvakakoshawo kutarisa chikwereti chikuru chekubhadhara chikwereti usati waenda kunotenga motokari.
4. Gamuchira Kugamuchirwa
Kuwana kugamuchirwa kubhadhara mari yako kunoreva kuti iwe wakagadzirisa mitemo yako usati waisa rutsoka mumutengesi wemuchitengesi apo manzwiro ako angawana zvakanakisisa iwe nehomwe yako yehomwe. Nzvimbo dzakanakisisa dzekutarisa chikwereti chakagadziriswa kare mabhanki uye zvikwereti zvemari.
5. Kutenga Motokari Yako
Iye zvino ndiyo nguva yekushanyira vatengesi vemunharaunda yako. Tsvaga motokari chaiyo yaunoda. Zvadaro rega chikwereti chako chizive gore, ita, muenzaniso, uye Nhamba yekuziva Nhamba. Iwe uchazofanirawo kutenga motokari yunivhisi nokukurumidza sezvaunogona.
Vatengesi vakawanda havazokubvumi kuti uende kunze pasina kuratidza uchapupu hwemotokari yemotokari.
Nzira mbiri dzekuvandudza mikana yako yekuwana mari yemari yakagamuchirwa
1. Tora Co-Signer
Iko chikwereti chako chinoderera zvakanyanya (kana kuti hachinapo) kuti uwane chikwereti chakanaka chemotokari? A co-signer anogona kuchinja zvose izvozvo. A co-signer ari kuisa zita ravo uye chikwereti chekwereti pamuganhu wekutenga kwako. Kana iwe usingabhadhari, chikwereti chavo chichagadziriswa nenzira imwechete sokunge kuti chikwereti chaiva muzita ravo chete. Kazhinji kubatanidza ishamwari yakadzama zvakadai somubereki. Iyo nzira yakanaka yekuti iwe ugadzire chikwereti uye kuvaka chikwata chikuru chekwereti.
2. Edza kuve Peer Auto Loan
Haugoni kuwana mubatanidzwa wekubatanidza newe? Shamwari dzinoverengeka kuyanana nemari yekwereti yewebsite inowanika kuti ibatsire kubatanidza vatengi nevatengi. Chikwereti chako chikwata chichashandurwa, uye iwe uchanzi "dambudziko guru" kana uine chikwata chepasipo kana chisipo. Iyo inowedzera dambudziko rekukweretesa, iyo inowedzera chikamu chechido. Icho chimwe chikwereti chinokwereta kana kuti kwete chikwereti chako chakanaka kana chakaipa.
A Few Car Loan Tips
Iva nechokwadi chekutarisa mukurumbira wemukweretesi wako uye uverenge kukopa kwakanaka kwechibvumirano chezvikwereti usati wasayina chero chinhu.
Uye usakanganwa kutarisa mathemati. Iva nechokwadi chokuti nhamba idzi dzinowedzera uye dzinofanidza izvo iwe uye mutero wakabvumirana nazvo.
Imwezve chinhu: Gara kure ne "mamiriro ezvinhu" kana "zvikwereti" zvikwereti. Apa ndipo paunosayina chibvumirano chechikwereti nemutengesi uye uchityaira nemotokari yako itsva pamberi pemitemo yese yechikwereti yakagadziridzwa. Zvinhu zvakakosha zvakadai sedhadharo yezvibereko, nguva yekubhadhara, kubhadhara kuripo uye chikwereti chekubhadhara kwemwedzi kunogona kuchinjwa (zvingangoita kuti iwe usakanganise), uye iwe unogona kuramba uchiripa zvakawanda kupfuura zvaunoda.