Chii Chibharo Chayo, Chaizvoizvo?
Kubhadhara motokari kwakafanana nokukwereta imba: iwe unopinda chibvumirano uye unobvumirana kuratidzira motokari seyo yako kwenguva yakatarwa. Kusiyana paunotenga motokari, kubhadhara ibasa risina nguva. Hongu, iwe uchafanirwa kuchengetedza motokari yako uye kusaita kutyisa nekupfeka. Asi pakupera kwezuva, motokari haisi yenyu, kuitira kuti iwedzere kuipa. Mari yako haizotungamiri pakuvaka kuenzana mumotokari, asi iwewo hauzovi nemhosva yenguva yemberi yeramangwana kana kuti chero zvidikanwi zvekuchengetedza zvinobuda apo iwe uri wako (kunze kwekuti iwe wakakonzera kukanganisa, hongu). Pakutarisana nepamusoro, kubhadhara motokari kunonzwika semafungiro akakwana: iwe unotyaira motokari pedzimwe motokari yemumwe munhu-itsva uye udzorere nayo kwavari isina michina yakabatanidzwa kana chikwata chako chakwira. Asi yeuka, sechinhu chipi nechipi chakanaka, uchabhadhara ropafadzo yekuita-uye iwe uchabhadhara zvimwe kana iwe usina chikwereti chikuru chekwereti .
Chii Chinoita Kuti Uwane Chikwereti Chakanaka?
Chikoro chikoro chinogona kubva ku 300-850, uye chero chinhu chinopfuura 740 chinowanzoonekwa se "chakanaka kwazvo". Asi izvi zvinorevei mukuita? Kana iwe une chikwereti chakasiyana, ine zvikamu zve 800+, izvo zvinoreva kuti iwe uri rudzi rusingakoshi rwevanhu bhangi kana sangano rezvemari rinogona kukwereta mari.
Iwe unogona kunge une nhoroondo yakareba yekushandisa chikwereti zvine mwero: izvo zvinoreva kuchengetedza mari yakaderera inoshandiswa pamakadhi ekwereti uye nguva dzose uchiita zvikwereti zvako nenguva. Asi zvakadini kana iwe uri kushandisa chikwereti zvakanaka asi usati uri kushandisa icho kwenguva refu? Kana zvakadini kana iwe kazhinji uchichengetedza mari yakaderera uye uchibhadhara nenguva, asi dzimwe nguva unoshaya bhora?
Kana iwe wakafanana nevanhu vazhinji, chikwereti chako chikoro hachiri mumakore 800 (20 chete chete yevaAmerica vose vanogona kutora chikoro chakakwana!). Asi usaora mwoyo: kukwana hakutenderi kwete chikonzero chekubhadhaza motokari.
The Ideal Leasee
Kana iwe uri murume akaroorana nemhuri, gara munharaunda yemuguta remuzinda, uine rekodhi huru yekutya uye chikwereti chekwereti pane 740, uye uri kutarisira kukodha motokari yakachengeteka uye yakavimbika pasina yese mabhero nevekuridzira, iwe unofanirwa kuva zvachose hapana dambudziko rekuwana mari yakanakisa yekubhadhara kubva kune mutengesi. Asi iwe unofanirwa kuedza kutaurirana-kunyanya nekuti iwe uri rudzi rwekwereti ravanoda kuchengeta.
"Prime" Leasees
Kana uwandu hwako huri pasi pe740 asi hunopfuura 680, usaora mwoyo-iwe haugoni kuwana mvumo yekuchengetedza yakagadzirirwa kamuro yezvirimwa, asi iwe uchiri kuonekwa se "prime" chikwereti, zvinoreva kuti hauonekwi se pangozi, uye zvichida ichakumbira chikumbiro chako chekubhajisa.
"Pedyo Prime" Leasees
Ndizvo chaizvo zvinonzwika: kana iwe uri "pedo prime" chikwereti, izvo zvinoreva kuti uri pedyo nekuchengeteka kwakachengeteka kubhengi-asi kwete chaizvo. Kana chikamu chako chiri pakati pe620 ne680, iwe unogona kunge uri munharaunda iyi. Unogona kupedza mwedzi mishoma uchibhadhara pasi zviyero pamakadhi ako ekwereti kana kuti ugadzirirwe zvakakwirira kudarika mavhareji emari. Unenge uchiri kutenderwa, asi nokuti iwe unonzi "njodzi," iwe unogona kubhadhara mutengo.
"Subprime" Leasees
Ngatitendese: kana chikwereti chako chikoro chiri pasi pe 620, zvimwe iwe hauna bhizimusi kukodha motokari. Asi kana ukasarudza kuita kudaro, uye kana ukawana chikwereti chinoda kukubhadhadzira motokari, iwe ungangove uchibhadhara zvakawanda kupfuura yevhareji kana kunyange "pedyo ne" prime "mutengi.
Kwete Nyaya Ipi Zvaunofunga Zvacho, Kutaurirana!
Kunyange kana iwe uchifunga kuti wawana chibvumirano chakakwana, edza kuendesa dambudziko.
Pakupera kwezuva, iwe ndiwe wekupa mupiro wekubhadhara imwe chikamu chikamu chakasarudzwa chemari yepamwedzi pamutengo wakatarwa wenguva, zvichireva iwe ndiwe unesimba rose. Kana mazwi avanokurudzira achiita kuti zvive zvinonzwisisika kuti iwe utenge motokari yakashandiswa zvakananga, taura izvi: vangave vachida kuchinja maitiro avo.
Pakupera kwezuva, iva nechokwadi chokuti iwe unoratidzwa uye unoita chisarudzo chakanakisisa iwe uye ramangwana rako remari. Kana iwe usingakwanisi kuwana mvumo yekutengesa iyo inofadza iwe, zvingava zvakanaka kutora bhasi apo iwe unoshanda pakuvandudza chikwereti chako chikoro.