Chikwereti chemotokari ndeimwe yezvibvumirano zvakanyanya zvemari zvinogona kupinda kune imwe kunze kwekutora chikwereti, saka zvakakosha kunyatsoongorora zvaunogona kuita uye kuziva zvauri kuzviwana iwe usati waisa paine mutsara wakajeka.
Kunzwisisa zvaunenge uchibvumirana nazvo paunosayina chikwereti chemotokari, uye kutora pamwe nekuongororwa kunokosha kwezvinhu zvaunofanira kufunga paunenge uchifananidza kutenga mvumo kune chikwereti.
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Kweretesa yemotokari inouya mumhando dzose uye hukuru, asi iyo yose ine zvinhu zvitatu zvikuru: dhora chikamu, nguva, uye chido chekuda.
Dhora racho richaita, hongu, rakatarirwa nemari yakawanda yaunoda kuti ubhadharire kutenga motokari, asi nguva yacho yakatarwa newe inopa kukwanisa kwako kubhadhara uye chikwereti chechido chinowanzogadziriswa nemari yako chikwereti. Nhamba yemari inotarisirwa inowanzofananidzirwa seApri , iyo inomiririra gore rega rega purogiramu, uye kazhinji chikwereti chekwereti chinodiwa kushanda chichave chakanyorwawo zvakare.
Paunenge uchienzanisa mabhizimisi, funganisa kuti rudzi rwekubatanidzwa kwezvinhu zvitatu izvi hunoita kuti unzwisise zvikuru iwe uye bhajeti yako.
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Iwe hausi kuda kupotsa chinhu kana zvasvika pakutengesa motokari. Kushandisa chikwereti chemotokari kunobatsira kuti uenzanise chikwereti chimwe kune mumwe.
Ita Bhizinesi Rokutanga Kwamunoita: Nhanhatu kubva pane gumi, uchawana yakanakisisa yemari yekubhadhara chikwereti chikwata nekuenda kubhangi rako kana chikwereti musangano usati waenda kune mutengesi. Apo mabhenji anowanzoda mari yakanakisisa , kana iwe unogona kuzvisunga nechikwereti usati waenda kune mujenya, iwe uchava mune imwe nzvimbo yakanakisisa yekukurukurirana-uye uzviponese mari yakawanda munguva refu.
Ita Mutengesi Wechenesi Yako Second Second Stop: Mabhii makuru akadai seToyota, Honda, Ford uye mamwe mazita maunoziva uye anovimba anowanzova nemari yavo. Kuti ukwanise kupinda mumabasa aya, zvakadaro, unofanira kutengesa motokari yako nemumwe munhu ari chikamu cheimwe yemataneti makuru. Iva nechokwadi chekukumbira chikwereti kubva kune imwe kambani yekubhadhara, yakadai se Ford Ford, uye ita pachena kuti haudi kufunga nezvevatatu vekwereti.
Ziva Mari Yese Yokubhadhara Imari: Ngatiti uri kutora chikwereti che $ 10 000. Kana iwe uri kutsvaga chikwereti chemwedzi 36 ne 4 muzana APR uye uchienzanidza nemwedzi wechikwereti wemwedzi 48 ne 3.5% APR, ndeupi ari nani?
Izvo zvinobva pane izvo "zviri nani" zvinoreva kwauri. Mari yechikwereti yekutanga ichauya ne $ 295.24 kubhadhara kwemwedzi uye inokubhadhara $ 628.63 muchibereko, zvichireva "mari yose" ichava $ 10,628.63. Chikwereti chechipiri chinganzwika zviri nani nekuti ine chikwereti chechikwereti chepasi, asi nokuti nguva yekuti chikwereti iwedzere, iwe uchaguma uchibhadhara zvimwe zvacho. Kubhadhara kwako kwemwedzi kuchave kwakaderera, asi, pa $ 223.56. Iwe uchabhadhara $ 730.88 muchibereko pamusoro pemakore mana emakore, zvichiunza mari yose ye $ 10,730.88. Kana chikwereti chemwedzi chakanaka chakakosha zvakanyanya kwamuri kupfuura kubhadhara zvishoma, zvino enda nechikwereti chechipiri.
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Kana hupfumi hwako huchichinja uye iwe uchitanga kuita mari yakawanda, ungada kufunga kubhadhara chikwereti chako mangwanani kuti uchengetedze mune zvekuda uye urege kuva nematambudziko ekubhadhara kwemwedzi. Asi kana iwe ukadaro usina kutarisa kudhindwa kwakanaka, unogona kurohwa nemitengo iyo ichaita kuti zvirege kukodzera kuzviita. Zvakanakisisa kutarisa nemutengi wako asati abvumirana chero chinhu.
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Kana iwe ukatora nguva yako inofadza kana uchienzanisa kutenga kune zvikwereti, chikwereti chako chichatambura.
Nguva ipi neipi iyo inokweretesa chikwereti ichiongorora chikwereti chako, chikwereti chako chichakurumidza kuvhara-kuita zvakaoma kuwana chikwereti chakasiyana kana ukasarudza kuita saizvozvo. Izvi ndezvekuti kutengesa kune zvikwereti zvakasiyana-siyana chiratidzo chevakweretesa kuti iwe unotarisira mari, kunyange kana izvozvo zvisati zvamboitika.
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