Vazhinji vekuAmerica vanogara mumaguta ekufambisa motokari zvakakosha vari kuwanawo zvakafanira kutora chikwereti chemotokari pavanotenga iyo motokari: muna 2015 , inopfuura hafu yemotokari ese yakashandiswa uye yakazara 85,9 muzana yemotokari itsva yakabhadharwa chikwereti.
Ivhareji yemwedzi yemari yekubhadhara motokari pamotokari itsva muna 2017 inodarika $ 479, uye kubva muna 2016, chikwereti chemari yemari yakange iri $ 30,032 inodonha nehuwandu hwakareba mamwedzi 68 - iyo inopfuura makore mashanu nehafu! Nharaunda dzezvikwereti zvemotokari zvinowedzerawo uye dzinokubhadharira zvakanaka kupfuura 4 muzana gore negore.
Zvinosuruvarisa, kukwira kwemari yekutenga iyo inowanzodiwa zvikuru motokari isina kukwanisa kwakagadzirisa zvakare kwakakonzera kuwedzera kwekuderera kwemari pamotokari yemotokari mune dzimwe nyika.
Kana uri kufunga nezvekutenga motokari itsva uye kutora chikwereti chemotokari, zvakakosha kunzwisisa zvinhu zvinopinda mukugadzirisa mutengo wako wekubhadhara motokari pamwedzi kuitira kuti iwe ugone kuziva kuti rudzi rwechikwereti runoita kuti ruve rukuru kwauri.
Primary Types of Car Loan
Kune mairi maviri emitambo yemotokari yemotokari: zvikwereti zvakakwana uye mutengesi mari. Mari yechikwereti chairo ndeye chikwereti chechigarire kuburikidza nebhangi kana sangano rezvemari, asi mutengesi mari inenge iri chikwereti chinowanikwa kuburikidza nemutengesi - dzimwe nguva kunonzi "kutenga pano kuripa pano" (BHPH).
Chikwereti chairo chakanyanya kuwanzana, uye mutengesi anogona kutengesa chikwereti chavanoita kwauri kubhangi kana kubhadhara chikwereti iyo inoshumira iyo account yako. Nezvo izvi zvinoreva kuti izvo zvingasarudzwa zvakafanana zvakanyanya kana iwe uchitanga kuripa chikwereti chako, vatengesi vanogona kukwanisa kupa zvipo zvinokurudzira zvinotsigirwa kana zvimwe zvipo izvo bhengi risingaiti.
Zviitiko Zvinopinda Mukutsvaga Mari Yako Kubhadhara
Hazvina mhosva pasinei nokuti unosarudza kuwana chikwereti kuburikidza nebhengi rako kana nekutengesa motokari, kubhadhara kwako kwemwedzi kuchagadziriswa nezvimwechetezvo:
- Mari yako, chikwereti chikwereti, uye chikwereti. Chikwereti chako chekuwana chikamu chikamu chakakosha icho vatengi vanoshandisa kuongorora chikwereti chako. Kana iwe uine mari yakakwirira uye chikwereti chakaderera, iwe unenge uchitowedzera kune vakweretesa uye unogona kuuya nekunyorera zvikwereti. Zvisinei, kana iwe uine mari yakawanda uye zvikwereti zvakaenzana zvakakura, iwe uchange uine ngozi kune vanokweretesa, uye naizvozvo zvishoma kuti uwane chikwereti nemashoko anodiwa zvikuru. Kana iwe uine chikamu chekwereti chepa subprime, zvingave zvakaoma kuwana chikwereti zvachose.
- Zera remotokari. Inogona kuoneka sedombo, asi itsva imotokari yacho, zviri nani zvingaitwa nemari yako. Kana chimwe chinhu chikaitika chinoita kuti usakwanise kubhadhara chikwereti chako uye motokari yako kuti iwanezve, bhagheni kana kuti mutengesi ichava nenguva yakaoma zvakare yekutengesa motokari itsva kupfuura yekare motokari - uye saka ine zvakawanda zvinokurudzira kuisa njodzi pakutsigira iyo pfuma.
- Kureba kwechikwereti . Zvikwereti zviduku zvinowanzouya nemashoko anonyanya kunaka nokuti inoratidza kuti iwe unokwanisa kukwanisa kubhadhara chikwereti chako munguva yakafanira. Zvisinei, chikwereti chiduku chinowanzouya nepamusoro pamwedzi kubhadharwa nekuti iwe uri kubhadhara chikamu munguva shomanana yenguva.
- Kukura kwechikwereti uye chikamu chekubhadhara kwakaderera. Kuisa zviratidzo zvakakura zvekubhadhara kune vanokweretesa kuti iwe wakanyanyisa nezvekutsvaga kwekutsvaga uye zvinogona kutungamirira kune chimwe chido chakanaka chidimbu. Chikwereti chikuru , kunyanya kana uine chikwereti chakakura chekuwana mari, inogona kuuya nemari yakawanda yekutora, apo chikwereti chiduku chingauya nemashoko akanaka.
- Mutengo Wegore Negore. Iko gore rega rega yepamutengo (APR) ndiyo chikwata chekufarira iwe uchabhadhara gore roga roga pachikwereti chako. Mari inotakura motokari kazhinji inouya nehuwandu hwekuda mari nokuti inodhura yepamusoro. Zvinhu zvakasiyana-siyana zvinopinda mukugadzirisa APR iwe uchagoverwa, kusanganisira chikwereti chenhoroondo yako, mamiriro emisika, uye zvipo zvinokosha. Kunyange zvazvo zvisinganzwisisike kuva nemu APR inoshandura pamusoro pehupenyu hwechikwereti chemotokari, teerera kutaridzika kwakanaka nokuti mutengo wakasiyana unogona kukubhadhara iwe!
Usati Watenga
Pamusoro pekubhadhara kwemotokari yako, kana uri kuronga kutenga motokari itsva, iwe unofanirwa kugadzirisa mari yehushandi, mari yemari, kubhadharwa uye kubhadhara mari, kuchengetedza, uye kugadzirisa, uye kugadziriswa kwezvinhu zvaunogona kutarisira kuita shure kana uchitengesa motokari yako. Gara uchiyeuka kuti mitengo ye inshuwarisi uye yekunyora inogona kusiyanisa nehurumende. Kunyange zvazvo zvingaita sekutambudza, kuita izvi zviyero uye kutsvakurudza kuchakupa mufananidzo wakawanda wemhando yemotokari yaunogona kutenga kune yepamutengo wemotokari uye zvingave zviri nani kukugadzirira iwe kuti umire wakasimba pasi pekumanikidzwa kune mutengesi. Kana iwe uchikwanisa kuenda, funga fambisa motokari yako yekare kwenguva refu, carpooling, kana kutora zviteshi zvepaguru paunenge uchichengetedza motokari.
Pasi pepamusoro: Chisarudzo chokutenga motokari chisarudzo chisingafaniri kutorwa zvishoma, uyewo haufaniri kusarudza kutora chikwereti pamotokari yako. Funga kuchengetedza mari yekubhadhara mari kuti uchengetedze mari munguva refu. Tenga zvakapoteredza zvikwereti zvakanakisisa zvezvikwereti - enzanisa kupiwa kwevatengesi nezvo kubva kubhangi rako, kana kuti funga kubhadhara mari kubva kune nhengo yemhuri. Dzokorora mitemo yako yehurumende kuti uone kodzero dzako se lendee. Nekutsvakurudza zvishomanana, iwe uchava zvakanaka munzira yako yekuva nemotokari inogona kukupedza iwe kwemakore anouya - uye kuchengetedza ramangwana rako rehupfumi iwe uri pauri.