Kuti uve akatendeseka, izvozvo zvinogona kunge zvichinyanyisa. Rega ndikuparadze iwe.
Kutengesa Motokari Kunotsanangurwa
Chibvumirano chibvumirano icho chikamu chimwe chinotaurira kushandiswa kwechimwe chinhu (chikamu chevhu, chivakwa, basa, kana chimwe chinhu) kune imwe sangano kwenguva yakati yakatarwa kuchinjana kubhadhara mari, kazhinji pane dzimwe nguva. Mumotokari yekutengesa, chinhu chinotaurirwa ndiyo motokari pachayo. Kusiyana pakati pekubhadhara uye mari ndeyokuti nekubhadhara iwe uri kutenga motokari kuti ive yako, asi nechisungo iwe usati uine imotokari uye unofanira kuchidzorera kumashure kune muduku kudzinopera kwebvumirano.
Kubhadhara Kubatsira uye Kukanganisika
Vanotyairi vanosarudza kubhadhara panzvimbo pokutenga vanowanzoita izvi nekuda kwezvikonzero zviviri. Kutanga, vanoenda kunotya motokari itsva inoramba iri pasi pechirongwa munguva yekambani uye, naizvozvo, haigamuchiri chimwe chinhu kunze kwekugadzirisa nguva dzose.
Chechipiri, kubhadhara kwemwedzi kwemotokari yakasungirirwa kazhinji kacho kuduku kudarika iyo yekutenga motokari. Izvi ndezvokuti mari yekubhadhara inowanikwa mukuderera kwekukosha kwemotokari pamusoro pemakore ekubhajisa pane nzvimbo yemotokari yakakwana. Somugumisiro, vatyairi vanogona kukodha motokari iyo yakanaka uye inodhura kupfuura imwe yavanogona kutenga.
Pane kukanganisa kubhadhara, zvakare. Chimwe ndechokuti pamusoro pemakore ehupenyu hwevashandi, iye angangozopedzisira apedza kushandisa zvakawanda pamotokari dzavo kupfuura mutengi. Imwe nzira isina kukanganisa ndeyokuti pamagumo emakore ekubhajisa, mushandi wacho anofanira kutora motokari yakashandiswa (kana kuitenga kuburikidza nekutenga kusarudza shanduko - ona pasi) uye uende kunze usina kuenzana mumotokari inogona kushandiswa, somuenzaniso, kutenga kana kutengesa imwe. Saka, ndeipi nzira yakanakisisa? Izvozvo zvinoenderana nezvinodiwa nemutyairi zvakasiyana nezvinodiwa.
Nzira yekubhajisa neMagariro
Mari inowanzogara yakakosha, uye kana iyo inosvika pakufungisisa mari yekubhadhara motokari, inogona kuwana zvishoma zvakaoma. Ndosaka zvakakosha kuva neruzivo rwekunzwisisa kwemashoko anoshandiswa musangano rechibvumirano. Apo iwe ugere pasi nemutengesi kuti apinde nepurogiramu yekubhajisa, heano ndiwo mazwi anowanzoshandiswa iwe uchatarisana nawo:
- Mutengo Wakaitwa Purogiramu Yekutengesa (MSRP): Uyu ndiwo mutengo wakakwana wemotokari itsva, inozivikanwawo semutengo wemiti. Kunze kwechiitiko chisingawanzi kana imwe mienzaniso iri mukudzvara kwakanyanya, iwe unogona kukwanisa kutaurirana neMSRP pasi, dzimwe nguva zvikuru. Iwe zvechokwadi unofanira kugara uchiedza. Iwe unogona kuwana zvakawanda pamusoro pezvimwe vamwe vari kubhadhara motokari imwechete nekutsvakurudza zvishoma paIndaneti.
- Capitalized Cost (Cap Cost): Uyu ndiwo mutengo wakadzika waunotarisira kutaurirana uchibva kune MSRP. Iko mari yekodhi inogona kutumidzwawo pane ino se "mutengo wemari." Iyo nzira yakanaka yekutendera kuti mutengesi azive kuti unofunga kubhadhara motokari kusvikira watora mari iyi. Uye kana mutengesi wako akakuudza kuti haugoni kutaurirana neMSRP pasi kana iwe uchida kubhadhara, usatenda. Iko mari yekubhadhara, uye pamwe chete neumwe neumwe mufananidzo wekutengesa, nguva dzose inotaurirana.
- Kugara Kwakakosha: Ichi ndicho chekukosha kwemotokari pamagumo ekutengeswa kwegore. Zvidzidzo zvinofungidzira kukosha kwekusimba panguva iyo kubhadharwa kwakanyorwa zvichibva pane zvakaitika kare resale kukosha kwehuwandu.
- Kuwedzereka: Kuwedzereka ndiko musiyano pakati pehuwandu hwemotokari kana huri hutsva uye kukosha kwayo. Isa imwe nzira; iyo iri kuderera kwekukosha kwemotokari munguva yengoro. Mari yekuderedza ichi ndicho chinoumba chikamu chakanyanya chekubhadharwa kwemwedzi kumwedzi.
- Mari Inoshandiswa Kana Kuti Kutengesa Mari: Iyi inongova chikwata chechido chakataurwa zvakasiyana. Yeuka, iwe paunotora chikwata, chii chaitika chaizvo ndeyekuti sangano rekubhadhara riri kutenga imotokari kubva kune mutengesi uye zvino kuchibhadharira iwe. Mari iyo inoshandiswa kugadzirisa chikamu chechipiri chikuru chekubhadhara kwemwedzi makosi uye kumiririra mari yemudzimai ari kukubhadhara iwe pakusungiridza gurukota rayo panguva yekubhajisa. Mari iyo inoshandiswa, semamwe mararamiro emitengo, inotaridzika zvikuru pachikwereti chekwereti.
- Mileage Allowance nemitoro: Chikamu chese motokari yemotokari inotsanangurwa nhamba yakawanda yemakiromita iyo mushandirwi anogona kukwira motokari pagore, inozivikanwa semari ye mileage. Izvo zviyero zvemairenda zvekuchengetedza mutyairi wepamberi zvinotengesa zvinowanzosiyana kubva pamakiromita zviuru kusvika ku15 000 pagore. Kana mutyairi achipfuura chikwereti chemaireji , iye achabhadharwa mari yakawedzerwa kubva kune $ 0.10 kusvika ku $ 0.25 pamirera. Mifananidzo yose pano inogona kutaurirana nemapato.
- Kubhadhara Gumi: Iyi ndiyo nguva yekambani. Kubhadhara kwemazuva maviri, kwemakore matatu kana mana kwenguva yakareba, kunyange zvazvo vangave vfupi kana kupfuura. Mashoko ekubhajisa anowanzotaurwa mumitemo yemwedzi yakazara (24, 36 kana 48, somuenzaniso).
- Kutenga Chibvumirano Chekusarudza: Ichi ndicho chisarudzo chokutenga motokari pakuguma kwekambani yekubhajisa. Iyi sarudzo inowanzotorwa pakutanga kwekambani uye ichawedzera mari shoma kune kubhadhara kwemwedzi. Mutengo wekutengesawo wakanyorerwawo mubhadharo yepamusoro uye inowanzofananidzwa nehuwandu hunokosha.
- Kupfambisa Mutero Nemitoro: Kana ukasarudza kubhadhara motokari yako, gadzirira kuita mari yakawanda yepamusoro inosanganisira mitero yakawanda uye mimwe mitero yakadai sokubhadhara pasi, mitero uye mari yefisi, mari yekuwana, kuchengetedza mari uye vamwe. Sezvo nemotokari yemotokari, kubhadharwa kwepamusoro kunogona kureva kuderera kwemwedzi pamwedzi.
- Zvikwereti uye Zvimwe Zvokubhadharwa: Izvi zvinosanganisira kusungirirwa kwemajeri (kwemazuva ekuripira), kutanga kumisa mari (kubvisa chikwereti musati wabvumirana-nguva), kurasa mari (apo mubhadhadzi anosarudza kuti asatenge motokari pakaguma nguva yekambani ), uye kupfeka-uye-kusvimha mhosva. Kupfeka-uye-kusvimha misoro ndevaya vakagadzirwa kuti vafukidze kupfeka uye kubvarura pamotokari yakasungirwa iyo inoenda kupfuura izvo zvingaonekwa sezvakanaka kana zvinonzwisisika. Mune zvimwe zviitiko pane nzira dzekuputsa chibharo pasina chirango .
Kuverenga Mazano
Mahofisi ekubhadhara anoshandisa nhamba yezvose zvataurwa pamusoro apa kuti aone mari yepamusoro uye yemwedzi kubhadhara mari. Nzira huru yekuti iwe uwane pfungwa yezvinotarisirwa kuti zvizove ndeye kushandisa shanduro yekubhajisa inowanika pane imwe yewebsite dzakadai sa edmunds.com uye bankrate.com. Uye usakanganwa: zvose mari uye mazwi akawanda anotaurirana.
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