Kana uri kutenga motokari zana muzana mumari, chikwereti chako chikoro hachizombotombotauri mukukurukurirana. Zvisinei, kana iwe wakaita sevaAmerica vazhinji, zvichida haugone kutenga mari yakawanda zvakadaro mumari-uye ndiko kwawakawana chikwereti chako chikoro.
Kana uri kunetseka kuti chikwereti chako chikoro chakanyanyisa kuti uite kuti utenge motokari nemari yekubhadhara mari, ndine mamwe mashoko akanaka uye mamwe mashoko akaipa. Mashoko akanaka ndeokuti iwe unogona kufema zvishoma zvishoma nokuti unogona kuva nechokwadi, iwe unenge woda kuwana munhu anoda kubhadhara kutenga kwemotokari yako. Nhau dzakaipa ndeyokuti kana iwe uine chikwereti chakaipa chekwereti , zvichaita kuti iwe uwane mari yakawanda kuti ubhadhe mari iyoyo kupfuura iwe zvaizoita kudai iwe wakanga uine chikwereti chisingabhadhara chikwereti.
Nhasi chikwereti chako chikamu chiyero kune vanokweretesa kuti yakachengeteka sei pangozi iyo kukukweretesa mari. Kana iwe uine chikwereti chakakwana chekwereti, uyo anokweretesa anenge anenge atsigirwa kuti haafaniri kukudzingira pasi uye kudzorerazve motokari yacho nekuda kwekubhadhara kwako . Sezvo vakadaro, vangangodaro vanobvumirana nehuwandu hwekubhadhara huwandu hwakapiwa dambudziko rakaderera. Asi kana zvikwereti zvako zvikakosha, mukana wacho unokwira kuti iwe uchange uri pangozi yendege, uye saizvozvo, iwe unofarira kuwedzera huchakwira-uchiita motokari yako kutenga zvakanyanya kudhura munguva refu.
Saka zvakaipa zvakadini-uye zvakanaka sei zvakanaka?
Ngatitange nevakanaka. Kana chikwereti chako chikwata chiri pamusoro pe700, unogona kutarisira kuwana 5 muzana inotora chikwata. Sezvo chikwereti chako chikoro chemadonzvo, zviyero zvako zvichakwira-uye kana ukangosvika 500 kana kuti pasi, chikwereti chako chekufarira chichave chave chiri maminitsi makumi mashanu kana kupfuura; yikes!
Ndingakwanisa Sei Kuwana Chikwereti Changu?
Dzokorora shure kwangu: usambofa, unombobhadhara kuti uone chikwereti chako. Mari yako yechikwereti sezvakataurwa nemakambani makuru makuru ekubika zvikwereti anowanikwa nyore nyore: ingoita " pasina chikwereti chikamu " mujena renyu rekutsvaga. Mamwe makambani emakadhi echikwereti anoratidzawo nhengo dzavo chikwereti chechikwereti se "perk" yekuve chikamu-kutakura nhengo.
Chii Chandinofanira Kuita Kana Chikwereti Changu Chikwereti Chakatsika?
Inobva pane zvaunosarudza. Kana iwe zvachose unofanira kuva nemotokari itsva ikozvino (ndiyo iyo yakambonyatsoitika here?), Ipapo iwe uchazofanira kugadzirisa chikwata chapamusoro chekufarira. Zvisinei, kana iwe uine sarudzo, iyo inyanzvi yakanakisisa yekutakura zvigaro zvevanhu, carpool, kufamba, bhasikoro, kana kunyange kukwereta motokari kubva kune shamwari panzvimbo yekutenga motokari itsva ine zvishoma kudarika stellar credit. Kazhinji, zvikwereti zvekwereti zvisingabhadhari zvichakuratidza urongwa hwezvimwe zvikonzero nei chikwata chenyu chiri iyo. Kana chikwereti chako chakakosha nokuti une zviyero zvakakwirira pamakadhi ako ekwereti, pedza mwedzi mishomanana uchibhadhara pasi mari yako usati wafunga kuenda kumotokari kuti uone motokari. Kana chikwereti chako chikakosha nekuda kwezvikonzero zvakaoma kugadzirisa munguva pfupi, saka unofanira kufungidzira kutaura nemunhu anonyatsogadzirisa mari (mumwe ane fiduciary basa yekuisa zvaunoda kusati wabatsirwa) uye kurukurai zvamunogona kuita.
Kana iwe zvachose unofanira kunge uine motokari uye uri kutarisa kuti uchengetedze mari, iwe unenge uchifunga kutenga motokari yakashandiswa pane imwe itsva. Kunze kwezviri pachena kuti mutengo wemiti wepamusoro uchave wakaderera, kana kubhadhara kwemari yemwedzi pamwedzi kwakaderera, izvi zvichakubvumirawo mari yemukana wekugadzirisa kugadzirisa mararamiro ako mashoma ekwereti. Asi iwe unofanirwa kuziva kuti chido chekufarira chinowanzosimudzirwa kumotokari yakashandiswa kupfuura iyo iyo yemotokari itsva. Iyo yakaderedza chikwereti chako chekwereti, chikuru chekusiyanisa chichave pakati pechishandiswa uye chizinga chitsva. Kunyange zvazvo zvingave zvichiri kushandiswa zviri nani kuti iwe utenge motokari yakashandiswa, zvakakosha kubhadhara nhamba kana iwe une chikwereti chakanaka chekwereti.
Maitiro Aungaita Kuti Nzira Iri Ive Yakanyanya-Kunyangwe Nechezasi
Pane musiyano pakati pekutora chikamu chepasi nokuti hauna chikwereti chakawanda chekwereti uye uine mapoka maduku nokuti iwe wakamboenda ku bankruptcy kana wakasara pane kadhi rechikwereti.
Kana uine chikamu chakaderera pane mazana manomwe, basa rako nderekunyora, zvinyorwa, zvinyorwa. Iwe unonyanya kudikanwa kuti uite nyaya yaunofunga pa-nguva yekubhadhara-uye kana iwe ukaita izvi kubudirira, unogona kuona kuwanda kwako kuchikwira kune zvevaya vane chikwereti chakakwana.
Iva wakagadzirira kutsigira zvipupuriro zvako nehuchapupu: tumira zvinyorwa zvemakadhi ekwereti, kubhadhara mariji yemariji, uye chero chimwe chinhu chinoratidza kuti iwe unobhadhara panguva uye zvakakwana. Kana iwe uine basa rakagadzikana uye unokwanisa kuisa pasi 25 kubva muzana yemari yemotokari iri mubhadharo pasi , izvi zvinogona kukubatsira kuti uchengetedze mutengo wakaderera.
Kana chikwereti chako chikamu chiri pasi pemakumi mashanu, maitiro aya zvichida haazoshandi zvakanaka kwauri, kunyange zvakadaro hazvirevi kuti haufaniri kuedza, uye iwe unofanirwa kugadzirira chikwata chapamusoro.
Kana zvimwe zvose zvisingakwanisi, zvingava zvakakosha kubvunza hama kana shamwari yepedyo ne stellar chikwereti kuti mubatane chikwereti chako . Kana iwe ukaita izvi, unogona kukwanisa kuwana chikwata chakanaka chiri nani. Ingoziva, zvakadaro, kuti kukanganisa pane yako chikwereti kutora mari kunoreva kuti vangave vari hoko yezvemari yehuwandu hwechikwereti.
Chii chandingaita mushure mekunge ndanyora Chikwereti changu uye Mutengo Ndeyekudenga?
Chinhu chinonyanya kukosha chaungaita ndechekuita-nguva yekubhadhara kwemwedzi inotevera 6 kusvika ku12. Iwe unofanirwawo kufunga nezvekugadzirisa chikwereti chako. Usazarura mitsva yemakadhi yemakadhi kana kuisa kune dzimwe zvikwereti: zvinhu izvi zvichava mirefu matsvuku pamushumo wekwereti yako. Pashure pemwedzi 6 kusvika ku12 yakapera, unofanira kutarisa pane zvingasarudzwa zvekugadzirisa chikwereti chako chemotokari .