Vadzidzi Vanoda Mari Imari Mizhinji Kwazvo!
Sevadzidzi, kugamuchira chikwereti chemotokari hakusi nyore nguva dzose. Mamiriro ezvinhu akasiyana nemudzidzi wese. Zvaunowana zvekuwana mari zvinogona kuchinja, uye iwe unogona kunge usina chikwereti , chikwereti chakaderera, kana chakaipa chikwereti - uye mamiriyoni mashoma emari inowanikwa kubhadhara mari imwe neimwe kunyange kana iwe ukawana chikwereti chinoda kukukweretesa. Mabhangi anogona kunge ari kukweretesa kune vadzidzi, asi chinhu chakanaka ndiyo motokari inoshandiswa saka inenge nguva dzose inogoneka, kunyange zvazvo iwe ungave ne-high-interest rate. Kana iwe uri mudzidzi akatarisa kuti atore chikwereti chako chekutanga chemotokari, gadzirira nguva isati yasvika kuitira kuti iwe usati warohwa nepamusoro peavo vanofarira-kana kuti kuziva kuti uri kuitei iwe.
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Kuchengetedza murwi wemari apo iwe uchiri muduku ungangova chimwe chezvinhu zvakaoma zvikuru zvawakamboita. Zvinotora chirango. Kutarisa shamwari dzako dzose neyekugadzirwa kwema tech uye fashoni zvinogona kutsausa zvinangwa zvako zvemari nyore nyore.
Zvipimo zvemari zvamunoita pakutanga kweupenyu zvinogona kukukanganisa kwenguva refu. Kana iri motokari yaunoda kwazvo, zvibayiro zvinoda kuitwa.
Shoot for the down payment of 5 to 10 percent of the car's value. Kuisa mari pasi pamakweretheni emotokari hakungogadziri kutapudza mwedzi mumwe chete , zvinogona kuderedza chikwereti chako chekuda.
Vose vanokweretesa vanotarisa kune mumwe munhu akashanda kuchengetedza kubhadhara.
Tora Mari Yakatsiga
Kuwana mari yakasimba kunokosha pakuwana chikwereti chemotokari pachako. Imwe mari yakagadzikana ndiko kukanganisa kwevadzidzi vakawanda vekukoroji vanoda mvumo yemotokari. Zvakaoma kuwana basa rakanaka rinokubhadhara rakanaka uye kugadzirisa kojiji panguva imwe chete. Kana mari yakasimba isiri kuitika kwamuri chero nguva pfupi, tarisai chanhasi pasi.
Wana Co-Signer
Nzira iyo iri nyore yekugashiriswa yemari yemari yemari kana iwe uri mudzidzi ndeyekunyora mubhodhi . A co-signer mumwe munhu ane tarisiro yebasa renguva yakazara uye chikwereti chakanaka chinoda kuvhura kuti iwe unokwanisa kubhadhara chikwereti nenguva. Mumwe mubatanidzwa ari kutora mutoro wemari yako yemari kana iwe usina kukwana. Hausi chete iwe unowanzobvumirwa kubhadhara chikwereti chemotokari yevadzidzi nemubatanidzwa, asi kazhinji iwe uchawana mukana wekuda.
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Nzvimbo dzakawanda dzakasiyana dzakapa zvikwereti zvemotokari. Zvakakosha kutengesa zvakapoteredza nzvimbo yakanakisisa. Tarisa nekwereti yemubhengi kana bhangi iwe ikozvino unoita bhizinesi naro. Zvikwereti zvekodhesi zvinowanzopa 1% muzasi yezvikwereti zvezvikwereti pamari yemotokari kupfuura mabhengi. Vatengi vepaIndaneti vanowanzoshanda pamwero mukuru uye vanogona kukuwanawo uwandu hwakaderera.
Rimwe bhuku haritauri pamusoro pezvimwe zvevanhu vose. Iwe unofanirwa kutarisa kumativi ose kuti uone kuti chii chinokonzerwa nemari yemotokari ndiyo yakanakisisa yemamiriro ako ezvinhu.
Funga Kudzokorora shure kwegore kana maviri
Zvechokwadi, funga kubvisa chikwereti chako chemotokari kwemakore maviri kusvika maviri. Kana wakanga uchiripa mari yako panguva, wakaratidza kuti iwe unokwanisa kubhadhara. Uyezve, chikwereti chenhamba yako inogona kunge ichigadziriswa kana kuti inovandudzwa. Kumbira bhendi yako ikozvino kana zvichibvira kuderedza purogiramu yako yezvino kana kutanga kutenga kune imwe chikwereti chemotokari. Zvinokwanisika kuderedza chidimbu chechido chako muhafu yegore kana maviri zve-on-time.
Funga nezvedzimwe Mari Imari
Sezvo ari mudzidzi pane bhajeti rakaoma, zvakakosha kufunga pamusoro pezvose zvinosungirwa zvakasungirwa kumotokari kutenga. Kunyatsogadzirisa motokari yomshuga inowanzodiwa pamotokari ine chikwereti.
Iva nechokwadi chekutora motokari yako yveshuwarhu yakatorwa usati wasayina yemari yako yemari. Zvichienderana nezera rako, kutyaira nhoroondo, uye inshuwarisi yakapfuura, mari ye inshuwarisi inogona kuva yakakwirira chaizvo. Uyezve, funga nezvemafuta emotokari uye kugadzirisa motokari. Hazvizovi chinhu chinonakidza chine mhete yako yemavhiri kana iwe usingakwanisi kuitakisa chero kupi zvako.
Dzimwe nguva chikwereti chemotokari yevadzidzi ndiyo yako chete yekusarudza. Iwe hausi kuda kutyaira uchikomberedza chigamba chinokusiya iwe wakananga kune rumwe rutivi rwomugwagwa nguva dzose. Usafunga kuti iwe hauna kukodzera chikwereti chemotokari. Vadzidzi vanowanzowana rubatsiro rwakanaka kune vakwereta vane chikwereti chakaipa. Vadzidzi vanoshanda zvakaoma uye zvinowanzotarisirwa nevanogona kukweretesa kana zvasvika pakutengesa motokari.