Iwe Usati Watora Mota Mota

Nzira Yokuwana Kubata Kwazvo

Kuti ugone kutsvaga motokari, unotofanira kuwana zvinhu zvakasiyana-siyana zvakarurama: sarudza motokari yakakodzera, kuwana mutengo wakanaka, uye mari yekutenga nenzira yakakosha zvikuru. Kana uri kukwereta kutenga kwako, zvisarudzo zvaunoita pamotokari yako yemoto zvakakosha zvikuru.

Imba yemotokari inobatsira iwe kutenga motokari inodhura zvakawanda kupfuura iwe unogona kutenga nemari. Kunze kwekuti iwe uine mari yakawanda yekuchengetedza, iwe unogona kunge uine chikwereti uye uchibhadhara motokari yako nemari yakadzivirirwa pamwedzi.

Kana ukakwereta nokuchenjera, iwe unofarira zvikomborero zviviri zvinokosha:

1. Iwe uchapedza zvishoma (zvichida zviuru zvemadhora pasi) pamotokari yako
2. Iwe uchange uine mafungiro ekushandura motokari uye kubhadhara zvimwe zvinangwa mumakore mashomanana maduku

Tanga kuronga chikwereti chako nguva refu usati watanga kutarisa motokari. Kuwana matata ako mushure mberi kwenguva kunowedzera mikana yokuti iwe uchawana chikwereti (nemotokari) inofanirana nemararamiro ako. Uyezve, kana yava nguva yekuita chibvumirano, iwe uchava wakagadzirira kuramba uchivimba.

Nheyo yeGwaro Guru reMotokari # 1: Chengetedza Chikwereti Chako

Chikwereti chako ( pamwe chete nemari yako ) chinogadza kana iwe hauchazobvumirwi kune chikwereti. Chikwereti chako ndechekupa chikwereti kubva kune vamwe vatengi - wakakwereta kare, uye iwe wakadzorera iyo zvikwereti nenguva? Nekodzero yakanaka yechikwereti , iwe uchawana chidimbu chechikwereti chakaderera, zvinoreva kuti iwe uchabhadhara mari shoma yemotokari yako (zvose zviri maererano nemutengo wekuda, uye kubhadharwa kwemwedzi, iyo inobva pachido chako chawanikwa ).

Tarisa chikwereti chako: chengorora zvikwereti zvako zvekwereti usati waita zvekubhadhara mari yemoto kana kuti shanyira mutengesi. Vose vashandisi veUnited States vane kodzero yekubhadhara mushumo wechikwereti pasina mutemo wehurumende, saka shandisa kodzero dzako . Iva nechokwadi chokuti chikwereti chako chinotaridzika zvakanaka sezvazvinogona. Vagari vako vanowanzoita hurukuro yavo yekukwereta pamusoro pekwereti yako chikoro.

Verenga nemharidzo yacho zvakanyatsogadziriswa uye gadzirisa chero zvikanganiso zvichange zvakaderedza pasi chikwata chako - zvakanyanya kufanana kupfuura iwe unofunga.

Chinokosha KuMari Yakakura yeMotokari # 2: Ziva Yaunogona Kuita

Wana pfungwa yakajeka yekuti iwe unogona kushandisa mari yakawanda sei (pasi kubhadhara uye kubhadhara kwemwedzi) usati watanga kutarisa motokari. Kana iwe uchinge uchida nemotokari usati waziva kana iwe uri mubhajari yako, vamwe vatengesi vanogona kuita kuti zviite sezvinonzi motokari inotengesa nemasvomhu ane fancy uye zvikwereti kwenguva refu .

Mutengo wako wekubhadhara ndeyekubhadhara mberi-kubhadhara kwako pasi, kubhadhara chikwereti chako (uye kubhadhara kwemwedzi mumwe nomumwe). Zvinoshungurudza kunyora cheki chikuru mberi, asi iwe unonakidzwa nekugadziriswa gare gare kana ukadaro.

Kubhadhara kwako kwedzimwe mwedzi ndiyo inowanzobhadhara iwe yauchaita kwemakore anouya. Chengetedza izvi pahutano hwakanaka nokuti hauzive kana zvinhu zvichinja. Mari yako inogona kuwira, kana iwe unogona kutarisana nemari isingatarisiri mumakore anotevera. Kana iwe uchipedza zvakawanda sezvaunogona nhasi, uri kuisa ramangwana rako pangozi.

Chinokosha KuMari Yakakura yeMotokari # 3: Tarisa Mufananidzo Mukuru

Kunzwisisa kuti zvikwereti zvinoshanda sei , uye iwe unofanirwa kugadzirirwa kuita zvisarudzo zvakanaka pamusoro pemari yako. Apo vatengi vemotokari vanorasikirwa nemafungiro, vanowanzowira mumisungo miviri ine ngozi:

1. Kufunga nezvebhadharo yemwedzi wepamusoro (kusiyana nemutengo wekutenga uye mari yose inosanganisira kufarira)
2. Tarinoni ( inoda kutenga imwe motokari kana zvimwe zvinhu, kunyange kana izvozvo zvisingakodzeri mari yako)

Zviri kuedza kutarisa pamubhadharo wemwedzi wega woga kana uchisarudza kuti iwe unogona kuwana mari yakawanda sei. Ichokwadi, vamwe vatengesi vemotokari vanokurudzira izvi. Zvinosuruvarisa, kubhadhara kwemwedzi kune nyore kuchinja: kungoita kuti chikwereti chigare kwenguva refu. Kutora chikwereti kwemakore akawanda (somuenzaniso, kuenda nemakore manomwe emari chikweretheni chemotokari panzvimbo yekwereti yemakore mana) kunoita kuti zvibhadhe zvishoma - asi zvinokonzera kudhura kwepamusoro kwekutora mari. Uyezve, une mukana wakanaka wekukwira kumusoro-soro pane chikwereti chako (apo iwe unokwereta zvakawanda pamotokari kupfuura zvakakosha).

Kuita chikwereti chiduku chinonzwa zvakanaka nhasi, asi izvo zvinoreva kuti uri kukwereta zvakawanda (izvo, zvakare, zvinoita kuti zvive nyore kukwira-pasi).

Iva nechokwadi chokuti uri kutenga motokari yaunokwanisa kuwana zvechokwadi uye usatora kutora chikwereti chichadzoka kuzokutambudza.

Zano: kunze kwokunge iwe uchibhadhara mari, zvakanakisisa kuisa pasi makumi maviri kubva muzana mubhadharo wekubhadhara uye uwane chikwereti kwemakore mashanu kana pasi.

Chinokosha kuHurumende yeMotokari Yakakura # 4: Shop Around

Izvi zviri nyore asi zvinowanzorambwa. Pfungwa inonyanya kukosha apa ndeyokuti haufaniri kutora chikwereti chemotokari kubva kumutengesi. Tarisa ne credit credit union , banking, online lender , kana P2P chikwereti. Muzviitiko zvakawanda, motokari yemotokari yako haazovi nemari yakanakisisa yemotokari (asi mune dzimwe nguva mutengo wemutengesi haigone kurohwa). Nokubvunzurudza kune imwe chikweretti chisati chasvika usati wapinda mujenya, iwe uchave wakashonga ruzivo rwezvinhu zvaunowanikwa kwauri-uye izvo zvinokupa simba rekushandura.

Nheyo yeGwaro Guru reMotokari # 6: Dzivisa Kubhadhara Kwemhosva

Zvinhu zvinoshanduka muupenyu uye kushanduka kwezvinhu zvinokosha. Mari yako yekubhadhara mari inofanirawo kuchinja . Tsvaga chikwereti chinokubvumira kuti uwane mari yakawanda kana kubhadhara chikwereti zvachose pasina zvikwereti. Zvakakosha kuverenga zvakanyorwa zvakanaka - zvimwe "zvikwereti" hazvitumidzi "zvikwereti," uye zvikwereti zvekare zvekubhadhara zvakave zvakadzingwa mune dzimwe nyika (saka vanokweretesa vanofanira kuwana dzimwe nzira dzekudzivisa kubhadhara).

Chinokosha kuHurumende yeMotokari Yakakura # 7: Ongorora Inishuwarenzi

Vatengesi dzimwe nguva vanobvunza nezvehupenyu uye inshuwarisi yehurema kana iwe utenga motokari. Havasi kukumbira kunze kwomutsa-vanoda kuda kutengesa imwe yhuwarhu nemari yako. Chikwereti chemarikiti chinobatsira kubhadhara mari yako yawakabhadhara, asi kazhinji haisi chikamu chakanaka chokuwana chikwereti cheshuwarisi nemutengi wako. Ongorora hupenyu hwako huripo uye hutano hwehurema hwaunayo iwe pachako kana kuti iwe unopinda kuburikidza nemushandi wako.

Zvakare, kuunganidza ruzivo usati waenda kunotenga motokari, sezvaunoda kuti izvi zviwanikwe. Kunyanya, zvinongova kungwara kuziva kuti iwe nemhuri yako makachengetedzwa sei kana chimwe chinhu chichiitika. Kana iwe uchinzwa sokuti iwe unoda kugovera, fanisa zvinopiwa kubva kune zvakasiyana-siyana zvakasiyana-siyana, kusanganisira mumwe munhu ane inshuwarisi mumiririri asingabatanidzi nemutengi wako.

Paunokwereta mari yekutenga motokari yako, ikozvino yakachengetedzwa kare: inogona kudzorera imotokari kana iwe ukarega kubhadhara - saka chengetedza kuzvidzivirira iwe nevadiwa vako. Tarisa kunze Wells Fargo's auto loan program.