Kana iwe usina zvimwe zvingasarudzwa-somuenzaniso, ungada mari nguva pfupi yekurapa kwakakurumidza-chikwereti chekuremekedza chinogona kuva chinonzwisisika. Muzviitiko zvakawanda, kunyange zvakadaro, vanopedzisira vava mari inodhura kudarika ivo vakakodzera, uye unozviisa pangozi yekurasikirwa nemotokari yako.
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Kukwereta pamotokari yako, iwe unofanirwa kunge uine humwe hutano mumotokari yako. Muzviitiko zvizhinji, iwe unofanirwa kubhadhara chero zvikwereti zvinoshandiswa kutenga motokari, asi vamwe vanokweretesa vanokubvumira kubwereti kana iwe uchiri kubhadhara chikwereti chemari yekutenga yemari. Pavhareji, idzi zvikwereti zvinogona kubva kubva ku $ 100 kusvika ku $ 5,500.
Mari yaunogona kukwereta inobva pane kukosha kwemotokari yako kana kuenzanisa iwe mune motokari. Iyo yakakosha kukosha, iyo inowedzera kukwereta, asi usatarisiri kufambisa motokari yakakwana yezvikwereti kubva mune chikwereti chekodzero. Vatengesi vanoda kuita kuti zvive nyore ivo pachavo kuti vadzorere mari yavo, saka vanozokweretesa chete zvavanokwanisa nekukurumidza kuwana motokari kana vachifanira kudzorera zvakare kutengesa motokari . Vazhinji vateresi vachakupa chikwereti kubva pakati pe25 ne50 muzana yemari yemotokari yako. Vanogonawo kuisa chigadziro chekutsvaga GPS pamotokari yako, kana iwe uchifunga kuvanda motokari pane kubhadhara chikwereti.
Kubhadhara Mari
Zvikwereti zvomusoro ndezvikwereti zvenguva pfupi, zvinowanzoitika mumazuva gumi nemashanu. Izvozvo zvinoreva kuti iwe unofanira kukurumidza kuuya nemari yekubhadhara zvakakwana, inozivikanwa sebhaloon kubhadhara , uye iyo haisi nyore nyore sezvaunotarisira. Mune zvimwe zviitiko, unogona kubhadhara kudzorera kuburikidza ne "kufambisa" chikwereti.
Panzvimbo yekubhadhara chikwereti, iwe unowana chikwereti chemazuva makumi matatu chemazuva matatu.
Zvisinei, kuputika kunosvika nzira inodhura zvikuru yekukwereta nokuti iwe unofanirwa kubhadhara mari itsva yezvikwereti nguva dzose iwe uchizviita. Hurumende mitemo dzimwe nguva inogadzirisa kana kupfuurira kune chisarudzo.
Iwe unogona kuwana kuti chikwereti chako chiri kukubhadhara iwe 25 muzana inofarira kwemwedzi umwe, izvo zvingave zvisinganzwisisi zvakaipa. Zvisinei, kana iwe waifanira kutora chikwereti ichocho gore rose, gore rega rega yepamu (APR) rekufarira rinowirirana kusvika anenge 300 muzana.
Zvinodhura zvakakwirira uye chikwereti chikwereti. Vatengesi vanowanzopa mari yepamusoro yekutora mari kupfuura iwe waizobhadhara pamakadhi emakwereti. Mitemo yenyika inowanzogadzirisa chikwereti chezvibereko, asi iyo miganhu ichiri yakakwirira. Uyezve, iwe unowanzobhadhara mari yekuwana chikwereti chekwereti, uye iyo mari inowedzera mari yako yekukwereta. Kunyange kana mari yacho isingatumidzwi kuti "kufarira," iwe uchiri kuripa iyo nokuti muridzi wekwereti akaisanganisira iri muchikwereti chemari yako. Kufanana nemari yekubhadhara mari , chikwereti chikwereti chingaita kuti iwe udzorere kakawanda zvawakakwereta, izvo zvinowedzera kune chikamu chikuru chekuda chikwereti.
Kurasikirwa Nemotokari Yako
Rimwe rematambudziko makuru ane chikwereti chikwereti ingozi yekurasikirwa nemotokari yako. Kana iwe usingakwanise kuchengetedza zvikwereti, uyo anokweretesa anogona kutora nhaka yemotokari, kutengesa, uye kuchengetedza mugove wayo wemari, iyo inogona kuva yehuwandu hwekuti motokari yatengeswa.
Kana motokari yako ichitsvaga, zvinhu zvinogona kukurumidza kukura. Iwe ungasakwanise kusvika kubasa uye unoramba uchiwana mari, kana kuti kuenda kumabasa uye kumashure kunotora nguva yakareba kwenguva refu. Izvi zvichaita hutano hwako hwehupenyu, sezvo zvichange zvakaoma iwe nemhuri yako kupedzisa mabasa ezuva nezuva sekutenga uye kuenda kuchikoro. Kana iwe usingafaniri kuisa motokari yako mumutsara, usazviita.
Alternatives
Iwe usati wawana chikwereti chekuremekedza, iva nechokwadi chokuti wakaedza zvimwe zvose. Izvo zvisarudzo zvingasave zvakanaka, asi zvingave zviri nani zvingasarudza.
- Mari yaunofambisa ndiyo yakanakisisa yako kana iwe uchida kukwereta. Kumbira bhangi rako kana chikwereti chekwereti nezvekukwereta nemari yemari yakareba kwenguva refu pamitengo iri nani.
- Marikiti yemakadhi haatombovi nzira yakanaka yekukwereta, asi iyo zvikwereti zvisina kuchengetedzwa zvisingatori ngozi yekudzorera.
- Mari yakawanda inogonawo kukuendesa kune imwe nzvimbo yakaoma. Kana iwe uchigona kutora pane rimwe basa, kunyange kwechinguva, iwe unogona kunge uchiuya mberi. Basa rakawedzerwa ringasave risina kufadza, uye zvingave zvisingaitike, asi zvakakosha kuongorora.
- Kudzvora mari zvinorehwa zvakanyanya kudarika kuita, asi kana zvibayiro zvenguva pfupi zvingakugadzirisa chigamba chakaoma chisina kubatwa, izvo zvingangodaro zviri nani.
- Dhorera motokari yako, kana iwe une motokari inodhura kupfuura iwe unoda. Iwe unogona kukwanisa kudha mari nekutengesa motokari iyoyo , kutenga chimwe chinhu chisingabhadhari, uye kuchengetedza kusiyana.
Kana iwe uchifanira kunyatsotarisa chikwereti chekwereti, urongwa hwokuti iwe ucharipa sei musati watora chikwereti kuitira kuti urege kusiya chinhu chakanaka.