Kudzorera motokari yako kune waunokweretesa, uyewo unozivikanwa sekuzvipira zvekuzvidira, kunogona kuva chakanaka. Asi zvakakosha kuti unzwisise kuti nzira iyi inoshanda sei usati warega zvigetsi.
Chii Chinonzi Kuzvipira Kuzvipira?
Mukuzvidira kudzorera, iwe unodzorera motokari yako kune wako chikwereti apo iwe usingakwanisi kubhadhara.
Iwe unoudza wako chikwereti kuti iwe haugone kuripa kubhadhara mberi uye kuti iwe unoda kugovera motokari. Zvadaro, iwe unogadza nguva uye nzvimbo, iwe unounza motokari (pamwe chete nekutasva pamba), uye iwe unotarisa zvigetsi.
Iyo nzira ndeyokuzvidira nokuti unokumbira uye uronga zvinhu zvose pane kumirira kuti wako chikwereti auye ndokuwana motokari.
Paunowana chikwereti kana chikwereti chemotokari, motokari yaunotenga inochengetedza chikwereti .
Mune mamwe mazwi, chikwereti chako chinogona kutora (kana kuti "chengetedza") motokari ndokuitengesa kana ukarega kubhadhara. Mari yekutengesa inobhadhara chikwereti chako, uye iwe unogona kurega kubhadhara, asi chikwereti hachikwanisi kubhadharwa zvachose. Kana uchinge uine chikwereti chisina kubhadharwa, iwe uchiri kukwereta mari pachikwereti.
Sei uchienda kuDyuntary?
Nekuzvidzorera kwekuzvidira, iwe unobvisa mararamiro uye mari yekutarisana nemunhu anonzi repo.
Zvinonyanya kukosha: Muchidimbu (kwete-voluntary) repossession, vateresi vanotumira mumiririri wokudzorera kuti vatore motokari-uye hauzombozivi kuti izvozvo zvichaitika.
Mumiririri anogona kuwana motokari kubva kumba kwako, basa rako, kana kupi zvako kwaunoisiya yakamira. Repossession agents vanogona kukutevera, kana vangashandisa GPS kuti vawane motokari. Kana iwe usati wagadzirira kupa motokari yako, izvi zvinogona kuva kushushikana-kubudisa uye kusagadzikana mamiriro ezvinhu: Ko kana vakatora motokari yako kana uri kure nemusha uye iwe unoda kutora vana vako?
Mariro: Kudzorerwa kwechizvarwa kunodhura. Asi iwe unogona kuzvipira kugovera wako chikwereti kuti iwe haugoni kubhadhara mari, uye uronga kugadzirisa motokari yako. Iwe unogadza nguva uye nzvimbo, iwe unounza motokari (pamwe chete nekutasva pamba), uye iwe unotendeuka maiyi.
Chikwereti chenhoroondo? Chimwe chiitiko chinopera chekudzorera-kana kuzvipira kana kwete-kuora kwekwereti yako. Zvisinei, kupa gwara rako nokuzvidira kunogona kuita zvishoma kukuvadza.
Will Repossession Hurt Your Credit?
Chikwereti chako chichatambura chero nguva iwe iwe usina kukwereta pane chikwereti . Chikoro chenhamba chiedza kuedza kana kana iwe usingaregi kubhadhara , uye ivo vanogadzirisa zvakagara zvataurwa kunyanya kana iwe kana iwe usina kudaro kare. Asi hapana chinhu chisingagumi: Zvinokanganisa zvinowanzobva pamakero enyu emari mushure memakore manomwe, uye nhamba dzenyu dzinofanira kutanga kuvandudza mumakore mashomanana ekudzorera. Iwe unokwanisa zvakare kuvakira chikwereti chako mushure mokudzorerazve nekuwana zvikwereti zvitsva uye uchizvipa kune makore anotevera.
Kuzvidzivirira kwekuzvidira kunonyanya kuita chinhu chimwe chete chekuzvipira: chikwereti chisina kukwana. Chero imwe ichakuderedza pasi zvikwereti zvako chikoro. Asi pane musiyano mutsva: Kuzvipira kuzvipira kunozviratidza zvakasiyana pane zvikwereti zvako zvekwereti, uye izvozvo zvingave zvichikosha kune mumwe munhu anoverenga kuburikidza nemharidzo yako pachako.
Semuenzaniso, mukuru wezvikwereti pane imwe chikwereti chekwereti angagona kuverenga kuburikidza nechimwe chinhu chiri mumugumo wako. Makombiyuta ekuongororwa kwekombiyuta, kune rumwe rutivi, zvichida haazobate nokuzvidira anopa chero zvakasiyana.
Kana mumwe munhu akakuudza kuti kuzvipira kwekuzvidira hakuzokuvadzi chikwereti chako, chengeta izvo zvinokanganisa munhu. Vachabhadhara mari (nokukutengesa iwe chigadzirwa kana basa, somuenzaniso) kana iwe ukasarudza kutora motokari yako kumashure? Kana zvakadaro, kuwana mazano pane imwe nzvimbo.
Kukurukurirana ndikoKu
Zvakanaka kukurukurirana nevakweretesi paunenge uine dambudziko nemari. Kuita saizvozvo kunovhura suo kune dzimwe nzira, uye kudzokera kwekuzvidira ndiyo imwe nzira inogona kuwanikwa. Kana iwe uri kushingaira, unogona kuwana kuti wako chikwereti anoda kushanda newe. Vachawana mari yakawanda kana iwe uchichengeta motokari, kunyange kana vachifanira kugadzirisa chikwereti kuburikidza nekuderedza chikwereti chako kana chikwata chekuda.
Kunyange zvakadaro, unogona kubatsirwa zvakanyanya nokupa motokari zvakare.
Kana iwe uchangobva kurega kubhadhara, wako chikwereti achafungidzira iwe unoda kuchengetedza motokari chero bedzi ivo vachikutendera. Vachazotumira munhu repo (uye Murphy's Mutemo anoti achasvika panguva yakaipisisa nguva), uye iwe uchanamatira nezvose zvinodiwa. Kunyange kana kugadzirisa ndechokusarudza kwako chete, zviri nani kutaura.
Zvakadini nekambani dzinopa kugoverana nemutengi wako kwauri? Chenjerera. Nzira yako yakanakisisa ndeyokushanda zvakananga nemutengi wako. Zvokudya zvechitatu zvinopikira kushandurwa kwemari chikwereti dzimwe nguva zvinogona kuita kuti zvinhu zviwedzere.
Iwe Haugone Kutengesa Motokari Here?
Apo mutengi wako anotengesa motokari yakadzorerwa, zvichida haigone kutengeswa nokuda kwekanakisisa mari inobvira. Vatengesi vanodikanwa nemutemo kuti vawane mutengo wakanaka kana "wekutengeserana", asi izvi zvishoma kudarika iwe unogona kuwana kana iwe wakatengesa motokari iwe pachako. Zvinosuruvarisa, zvingava zvakaoma kutengesa motokari.
Dambudziko nderekuti mukwereti wako ane chibatiso pamotokari, saka iwe haugone kutumira musoro kune mutengi kusvikira iwe wawana chikwata ichibviswa. Kuti utengese motokari iwe pachako, unofanira kubhadhara chikwereti chekutanga -icho chingaita sechikamu chekutengeswa. Zvechokwadi, dai waive nemari yakawanda yekubhadhara chikwereti, iwe ungangodaro uri kungoramba uchibhadhara. Kutengesa motokari iwe pachako kungava sarudzo kana iwe uine mari iripo (kana mutengi asingashandisi) uye iwe unongoda kubhadhara chikwereti.
Nzira Yokuchengetedza Motokari
Paunotarisana nekudzorera, pane nzira dzakawanda dzinobva kunze. Iwe unogona kuchengeta motokari yako (kana kuidzosera) kana iwe uchidzikinura motokari kana kudzorerazve chikwereti, uye iwe unogona kudzivisa kudzorera nokuisa pasi pakudzingiswa nekudzivirirwa pasi pechigarire chekugara. Verenga zvakawanda pamusoro pezvinhu izvi zvatinoshandisa muchirongwa chedu chekudzorera .