Pros of Refinancing a Car Loan
• Unogona kuderedza chikwereti chako chekufarira: Chimwe chezvikonzero zvakanakisisa zvekugadzirisa chikwereti chemotokari ndeyokuderedza chikwereti chako chekuda .
Kana iwe usati wange usina chikwereti kana chakaipa chikwereti , zvakakosha kuongorora kugadzirisa zvekukweretesa kwemotokari yako mushure memakore mashoma. Chikwereti chako chikwanganiso chingave chakashandurwa zvakakwana kuti chiwane chikwereti chemuzasi. Uine chikwata chechibereko chepasi, iwe uchakwanisa kubhadhara chikwereti chako nekukurumidza kana kuchengetedza mari pamusoro penzira yekubhadhara chikwereti chako.
• Kuwedzera mari yako yekuyerera: Kana iwe ikozvino uchikwereta zvishoma pane izvo motokari yako yakakosha, unogona kukwanisa kuwana mari yakawanda nekugadzirisa. Semuenzaniso, ngatiti iwe waive nemotokari yako kwemakore matatu. Imotokari yako ikozvino inokwana $ 8000 uye iwe uchiri kukwereta $ 5000 pamotokari yako yemotokari. Iwe unoda mari yekuvandudza kwekugara kwemba. Imwe nzira ingadai iri yekuvandudza motokari yako ye $ 6500. Iwe uchange uchiripo chikwereti kudarika zvinotarisirwa nemotokari uye une $ 1500 mushure mokunge chikwereti chitsva chibhadhara yako yekare $ 5000 muyero. Iko $ 1500 inogona kushandiswa ikozvino pakuvandudza kweimba yako.
• Chengetedza zvikwereti zvako kuburikidza nekuwedzera chikwereti: Dzimwe nguva kuchinja kwehupenyu sekuita kuva nemwana, mari dzisingatarisirwi zvekurapa, kana njodzi yepanyama inogona kukuisa mumamiriro ezvinhu apo iwe unotofanira kuderedza mari yako yemwedzi. Refinancing inogona kukubvumira kuti uwedzere chikwereti chako. Somuenzaniso, kana iwe uine chikwereti chemakore maviri kune chikwereti chako chazvino, zvinogona kuitika kugadzirisa uye kuwedzera nguva kusvikira makore mana.
Kuwedzera kwemakore maviri kune chikwereti chako kunofanira kuderedza mari yako yepamwedzi zvichienderana nenhare yaunowana. Iwe uchange uri kubhadhara kwemakore maviri zvakare, asi iwe uchasunungura imwe mari pamwedzi wega wega uchikubatsira kuti uwane nepakati pamba. Ramba uri mupfungwa, zvakadaro, kuti izvi zvinoreva zvakare kuti mari yose yauchabhadhara pamusoro pehupenyu hwechikwereti ichave yakakwirira (iyo yatinenge tataura pasi apa).
• Shandura Vatengesi: Kuchinja vatengi vanogona kuva purogiramu kana kuti kutengesa zvichienderana nehukama hwaunahwo nemutengi wako. Kana iwe chikwereti chako chiri chakaoma kuonana kana kuti kwete kukuwana iwe rubatsiro rako rwekubhadhara, kuchinja vateresi kunogona kuva purogiramu. Kana iwe uchida chikwereti chako, unogona kuedza kugadzirisa navo, asi unogona kutarisa kune imwe nzvimbo kuti uwane mukana wakanakisisa.
Mutengo weRefinancing yemari yeMari
• Uchabhadhara chido chikuru pamusoro pehuwandu hwechikwereti: Dzimwe nguva iwe unogona kugadzirisa nehuwandu hwechikwereti, asi nokuti chikwereti ichiwedzerwa iwe uchabhadhara zvakanyanya kupfuura urefu hwechikwereti. Shandisa chikwata chekubhadhara chikwereti kuti uve nechokwadi chokuti unoziva kana iwe hausi kuchengetedza mari yakazara. Kuwana mujenya wepamwedzi wepamwedzi kungave iwe zvauri kutsvaga, asi kana iwe uchida chaizvo kubhadhara zvishoma zvacho zvakakosha kuita zvidzidzo.
Somuenzaniso, kana iwe uine chikwereti cha $ 5 000 ne 10% mubhadharo wekubhadhara wakabhadharwa makore maviri, iwe uchabhadhara $ 5537 muhuwandu. Asi zvakadaro, chikwereti ichocho chakawedzerwa kwemakore mashanu chichaguma nekukwereta iwe $ 6374 - iyo $ 837 iyo ingadai yakashandiswa mune chimwe chinhu, naizvozvo iva nechokwadi chokuti iwe unongowedzera chikwereti chako kana iwe uchida chaizvo kuita kudaro!
• Kubhadhara chikwata chapamusoro: Kuwana mari nokukurumidza dzimwe nguva chikonzero chokugadzirisa chikwereti chemotokari. Cherechedza nezvemari yepamusoro yemari kunyange zvakadaro, nekuti vazhinji vanokweretesa vanobhadhara mari yepamusoro yezvibereko pamotokari yekare. Kana ukaenda kunatsiridza motokari yako yekukwegura, unogona kushamiswa nemutengo wekufarira unowanikwa kwauri. Iko kazhinji kacho yezinga shoma pane kadhi rechikwereti asi nokuti motokari yako iri kushandiswa sechibvumirano.
Chimbofunga zvose zvaunogona kuita usati watanga kugadzirisa motokari yako.
Tarisa kuzotarisa kuti uone kuti zviyamu zvinowanikwa zvakadini. Chengetedza urefu hwechikwereti sehfupi sezvo bhajeti yako ichabvumira. Kuwana nguva shoma yekukwereta inosanganiswa neyoyo yepamusoro inotora chikwata ichaita kuti iwe uwane mvumo yakanakisisa yemotokari inogona.