Tenga Imotokari Itsva
Kunyange zvazvo motokari itsva ichine mutengo wepamusoro, iyo itsva imotokari yaunotenga zviri nani mubereko wekuda iwe wauchazopiwa. Vatengesi vanochengetedza mari yavo yakanakisisa yemari yemotokari itsva kuitira kuti kunyange nepamusoro yekutenga mutengo, iwe unogona kuchengetedza mari pamusoro pehupenyu hwechikwereti. Vamwe vatengesi vanogona kupa zvikwereti zvisina chikwereti uye, apo izvo zvisingashamisi, zvinongowanikwa pamotokari itsva.
Kune zvikonzero zvepamusoro nei kubhadhara motokari itsva ichapa chikwata chechiderera chakaderera. Icho chikuru ndechekuti, kana iwe uchida kudzorera kubhadhara chikwereti uye kutadza, mutengesi ane pfungwa yakanakisisa yekuderera kwema motokari uye naizvozvo kukosha kwekubhadhara. Izvi zvinoderedza ngozi yavo uye mhosva. Chimwe chikonzero ndechekuti makambani anokweretesa pamotokari itsva anowanzova nevanokonzera motokari, uye saka vanogona kupa zvikamu zvakaderera sechinhu chinokurudzira. Kune mutengi, motokari itsva inouyawo nemubhadharo wakawedzerwa wechipatimendi chemugadziri uye mukana wepamusoro wekukundikana kwemagetsi.
Ramba Uchitora Chikwereti Chakanaka
Hapana chinhu chinonyanya kukosha pamitengo yezviwanikwa inowanikwa kwauri kupfuura yako chikwereti. Chikwereti chako chakanaka chinopa vakweretesi nhoroondo yekuvimba kwenyu mune zvemari. Kana iwe uchiita seuna kutendeseka, iwe uchanzi iwe uri mungozi yakakwirira, uye izvi zvicharatidzwa muhuwandu hwechikwata iwe uchagoverwa.
Kuvimbisa kuti une chikwereti chakanaka chechikwereti chiri nyore - kuripa zvikwereti zvako nenguva. Nepo imwe nguva yekupedzisira kana yekushayikwa ichakanganisa yako chikwereti, kuregererwa kwekubhadhara pamakadhi emakwereti, zvikwereti zvemari, mari yemari yemari kana mari yekugadzirisa mari, ichava nechinetso chikuru. Kunyange iyo imwe chete yekubhadhara ikozvino ichaita kuti chikwereti chako chikwereke.
Nhamba yekwereti iwe une huwandu inogona kuchinjawo chikwereti chako. Kana uine chikwereti chakawanda, kunyange kana iwe uchibhadhara ikozvino, izvi zvinoderedza chikoro chako. Saizvozvowo, kuva nezvikwereti zvakawanda zviripo, somuenzaniso pamatarenda akawanda emakadhi, kunyange kana zvisiri kushandiswa, zvinogona kuva nemigumisiro yakaipa. Vatengesi vachafunga kuti iwe unogona kusarudza kushandisa mari spree inogona kukusiya iwe nekubhadhara kwakakwirira, zvichireva kuti haugoni kubhadhara chikwereti chako. Zviri nani kuva nemakadhi mashomanana emakadhi, zvichida kwete maxed out, kupfuura nhamba huru.
Dzimwe nguva, pasinei nokuti unovimbika sei, makambani aunokwereta mari kuti uite kukanganisa. Vanogona kutumira ruzivo rwakashata kune masangano ekutora zvikwereti, izvo zvingakanganisa chikwereti chako. Nokuda kwechikonzero ichi, kugara uchicherechedza chikwereti chako chekwereti kunokosha. Kuburikidza newebsite yeHurumende AnnualCreditReport.com unogona kukumbira kopi yako yepachena yemashoko kubva kune imwe yezvikwata zvitatu zvekubhadhara chikwereti (Equifax, Experian uye TransUnion) kamwechete pagore.
Kana pane zvikanganiso pamushumo wako, unogona kutora chiito kuti izvi zvigadziriswe.
Wana Co-Signer
Kunyangwe uine co-signer hazvivimbisi chidimbu chechikwereti chakasara pamari yako yemotokari, inogona kubatsira. Vamwe vanokweretesa vachingofunga nezvekushanda pamwe chete nemubatanidzwa, zvichireva kuti haungakwanisi kubhadhara chikwereti pasina. Izvi ndechokuti mubatanidzwa wemubatanidzwa anotora chikwereti chekwereti iwe kana iwe usingakoshi, zvinoreva kuti uyo anokweretesa anenge achida kuwana mari yavo.
Nokuda kwechikonzero ichi, apo uyo anokweretesa achaverenga chiyero chechikwereti chemari yemotokari inobva pachikwereti chako, mubatanidzwa wekubatana achadikanwa kusangana nezvimwe zvinoda. Izvi zvinosanganisira zvose zvikwereti zvikwereti uye mari, izvo zvavanoda kuratidza.
Shop Around
Kunyange zvazvo mitengo inotengeswa nemutengesi ingaita seyakanaka, ita tsvakurudzo yako usati wasayina kontrakiti.
Mamwe masangano anopa zvikwereti, kusanganisira mabhengi, zvikwereti zvemari, zvikwereti zvemari, uye vatengi vepaIndaneti. Vose vachaongorora kukosha kwako-chikwereti kushandisa nzira yakasiyana-siyana, uye saizvozvo ichapa zviyero zvakasiyana. Dzimwe mabhangi uye zvikwereti zvemari zvinopa huwandu hwehutano kumakambani akange aripo kuti akomborere kuvimbika kwavo.
Usati wataura kune mutengesi nezvemari, tora chikwereti chakagamuchirika. Kuva nechipo hakurevi kuti iwe wakagadzirirwa kukwereta kubva kusangano iroro. Izvo, asi, inopa chiratidzo chakasimba chemari yaunogona kukwereta kubhadhara motokari yako yekutenga, uye inokupa iwe unyanzvi kana zvasvika pakupedzisa chibvumirano. Sezvo vatengesi vanowanzova nehungwaru kana zvasvika pakubvumirana nekutengeserana, kuva nechikwama chekubhadhara zvakasimba kuchaita kuti nzvimbo yako yekukurukurirana iwedzere kusimba.
Kunyange pasina chimwe chezvikwereti izvi chichakusimbisa uwandu hwechikwata chechidiki, uchivashandisa pamwe chete huchakubatsira kuti uwane zvakanakisisa chido chekuda. Zvinongotora nguva shomanana uye kuronga kuitira kuti iwe uri munzvimbo yakasimba pane yose inogona kutaurirana nehuwandu hwakawanda.