Kodi mungagule bwanji galimoto popanda ngongole? . Ngati mwangosamukira kumene ku United States, ndinu ophunzira ku koleji, kapena simunatengepo nthawi kuti mupange mbiri ya ngongole , kugula galimoto sikungatheke.
Komabe, zingafune ena kufufuza kwina kuonetsetsa kuti mwalandira zopereka zabwino kwambiri zilipo - zomwe, mwatsoka, ikhala yotsika mtengo kuposa momwe mungakhalire ndi mbiri yabwino yokhazikika yangongole. Izi ndi zomwe muyenera kudziwa.
Momwe Kusowa Ngongole Kumakhudzira Njira Yogulira Magalimoto
Pokhapokha mutakhala ndi ndalama yogulira galimoto zenizeni, mufunika ngongole kuti mupereke gawo limodzi kapena mtengo wonse wogulitsa.
Komabe, ngati mulibe mbiri yangongole Zingakhale zovuta kutsimikizira obwereketsa ena kuti akupatseni ngongole. Izi ndichifukwa choti mbiri ya mbiri ya munthu, ndi kuchuluka kwa ngongole zomwe zimayimira, zikuwonetsa momwe angakwaniritsire kulipira ngongole zawo munthawi yake.
Ngati mulibe mbiri yakubwereketsa ngongole, obwereketsa alibe zambiri zam'mbuyomu zowathandiza kudziwa ngati mukuyenera kubwereka kapena ayi. Kwa obwereketsa ambiri, chiopsezo chimenecho ndi chachikulu kwambiri, ndipo akhoza kukana pempho lanu.
Komabe, pali obwereketsa magalimoto ena omwe amagwira ntchito ndi anthu omwe alibe ngongole zambiri kapena alibe. Ngakhale ndizotheka kuti ngongole ibvomerezedwe kudzera mwa iwo, mutha kuyembekezera kulipira chiwongola dzanja chachikulu pa ngongole yanu mpaka mutha kukhala ndi mbiri yabwino yokwanira yobweza ngongolezo mtsogolo.
Ngakhale mutayenerera Mutha kukhala ndi magalimoto omwe agwiritsidwa ntchito kwakanthawi, makamaka chifukwa magalimoto atsopano amawononga ndalama zambiri ndipo simungayenerere kubweza ngongole yokwanira kukwaniritsa mtengo wogulitsa.
Pomaliza, kukhala ndi mbiri yoyipa kumatha kusokoneza mitengo yama inshuwaransi yamagalimoto anu. M'mayiko ambiri, inshuwaransi yamagalimoto imagwiritsa ntchito chomwe chimatchedwa chindapusa chothandizidwa ndi ngongole kuti zikuthandizeni kudziwa kuchuluka kwanu. Ngakhale sizingowonjezere ndalama zanu zokha, zitha kukhala pazifukwa zina. Mwanjira iliyonse, mutha kutaya ndalama zanu.
Momwe mungagulire galimoto popanda ngongole
Gulani galimoto popanda ngongole . Ngati mukufuna ngongole yagalimoto ndipo mukufuna kupewa kupezedwa mwayi, pali zinthu zingapo zomwe mungachite. Nazi zina mwanjira zabwino kwambiri zogulira galimoto popanda ngongole.
Pezani wothandizira nawo
Ngati muli ndi wachibale kapena mnzanu amene ali wofunitsitsa kubwereka ngongole nanu, mutha kukhala ndi mwayi wopeza ngongole yanyumba ngakhale ndi obwereketsa magalimoto ena omwe angalembe.
Izi ndichifukwa choti kusaina nawo amakhalanso ndi udindo wolipira ngongoleyo. Chifukwa chake wobwereketsa amadziwa kuti ngati simulipira, winayo pa ngongoleyo akhoza kubweza ngongoleyo kuti asapewe ngongole yoipa.
Sakani kulikonse
Ndikofunikira kufananizira chinthu chilichonse chazachuma, koma ndikofunikira makamaka mukakhala ndi mbiri yoyipa. Pali obwereketsa angapo omwe amalipiritsa chiwongola dzanja chokwera kwambiri, kutengera mwayi anthu omwe akufuna ngongole ndipo sakudziwa zonse zomwe angasankhe.
Osakhazikika pakubweza ngongole komwe mumalandira . Fufuzani zomwe mungasankhe bwino kuti mupeze ngongole yamagalimoto yomwe ikugwirizana ndi momwe muliri pachuma, atero a Sean Messier, ofufuza zamakampani ogulitsa ngongole ku Credit Card Insider.
Poyerekeza mitundu ingapo ya ngongole, mudzakhala ndi lingaliro labwino la mawu omwe ali ovomerezeka ndi omwe sali. Mawebusayiti ngati Auto Credit Express amakulolani kulumikizana ndi obwereketsa odziwika kutengera kuchuluka kwanu kwa ngongole, ndikupeputsa kafukufukuyu.
Mukakhala ndi obwereketsa ochepa kuti muwayerekezere, khalani pa omwe amapereka mawu abwino pamkhalidwe wanu.
Chinthu chimodzi choti muzisamala mukamagula galimoto popanda ngongole ndi malo ogulitsa omwe amapereka ndalama zapanyumba. Izi zimagula pano, amalipira pano ogulitsa nthawi zina samalengeza za ngongole zilizonse kapena samakonda kusamala momwe mbiri yanu yangongole imawonekera.
Komabe, ogulitsawa amakonda kubweza chiwongola dzanja chochuluka kwambiri kuposa omwe amabwereketsa ngongole zoipa, ndipo mwayi wopeza bwino umakhala wokwera kwambiri. Komanso, sanganene malipilo anu ku mabungwe atatu aku malipoti a ngongole, omwe angakuthandizeni kukhazikitsa mbiri yanu yakubweza ngongole ndikuyenera kupeza mitengo yabwino mtsogolo.
Sungani pamalipiro akulu
Ena obwereketsa magalimoto omwe amagwira ntchito ndi omwe alibe ngongole angatenge ndalama zambiri kuti angochepetsa chiwopsezo cha ngongole yawo. Komabe, ngati muli ndi nthawi yosunga zochulukirapo, mutha kuchepetsa chiwopsezo chanu cha ngongole ndikuchepetsa chiwongola dzanja chanu.
Komanso, mukamalipira ndalama zochepa kwambiri, mudzayenera kubwereka zochepa ndipo mudzalipira zocheperako chiwongola dzanja pa moyo wanu wonse.
Ganizirani za ndalama zogulitsa
Mwinamwake mwawonapo malonda kulikonse: palibe ngongole, palibe vuto. Chifukwa chake ngati ndinu wogula wokhala ndi mbiri yoyipa kapena ngongole iliyonse yosonyeza, kodi mungalandire ngongole kwa omwe amagulitsa magalimoto anu ambiri? Izi zimadalira makamaka kwa ogulitsa.
Ngati mukuchita ndi kampani yotchuka, yodziwika bwino yomwe imagwirizana ndi wogulitsa magalimoto akulu, mwina mungakhale ndi chidwi choyimbira foni manejala wazachuma ndikukufunsani zambiri za ngongoleyi.
Koma kodi mutha kugwira ntchito ndi munthu yemwe alibe ngongole? Ngati ndi choncho, angafunikire chiyani kuchokera kwa inu kuti mupereke ngongoleyi? Itha kukhala mbiri ya ntchito yanu, kapena mwina kusaina nawo, koma ngati mungathe kuwapatsa zomwe akupemphani, mutha kupeza zabwino. Wogulitsa woyenera amathanso kukulembani ndi inshuwaransi yabwino yamagalimoto.
Ganizirani za mabanki am'magulu ndi mabungwe ogulira ngongole
Pulogalamu ya mabungwe a ngongole Kapenanso mabanki ang'onoang'ono am'maboma atha kukhala ochepetsa kukutengerani ngongole pomwe mabanki akulu satero. Chinsinsi apa ndikudziwa komwe mungayang'ane. Mwachitsanzo, mungafune kufunafuna obwereketsa omwe ali ndi mapulogalamu obwereketsa nyumba koyamba. Izi zidapangidwira anthu omwe alibe ngongole.
Popeza azidzayang'ana kupyola ngongole yanu, atha kukhala ndi chidwi ndi zina: chitetezo pantchito, zolipirira, zolipirira mwezi uliwonse, komanso chifukwa chomwe mulibe ngongole pakadali pano. Ngati ndichinthu chomwe akuwona kuti ndi chovomerezeka, mutha kutenga ngongole.
Ngongole Zamsika
Lero, mutha kupeza msika wazinthu zonse, ndipo izi zikuphatikiza ngongole. Poterepa, mudzakhala mukugwira ntchito ndi broker, wina yemwe angaunike zambiri pazachuma chanu ndikupereka mawu anu kwa omwe angakuthandizeni. Awona ngati akupatseni ngongole kapena ayi, kutengera zomwe adalandira kuchokera kwa broker.
Ubwino ndi zoyipa zogulira galimoto popanda ngongole
Monga mukuwonera kale, ndizotheka kupeza galimoto yopanda mbiri yakubweza ngongole. Komabe, musanayambe ntchitoyi, nkofunika kudziwa za ubwino ndi zovuta zake.
Ubwino
- Mwayi: itha kukuthandizani kuti mupange mbiri yanu Simungathe kupanga mbiri popanda kutenga ngongole, ndipo ngongole yobwereketsa galimoto kuchokera kwa wobwereketsa yemwe amafotokoza zochitika ku akaunti ya ngongole kumatha kukhala poyambira.
- Mwayi: Tenga galimoto ukafuna Ngati simungayembekezere kuti mupange mbiri yanu yangongole mwanjira ina, kusapeza ngongole yangongole yamagalimoto pano kungayambitse galimoto pano.
- Mwayi: mutha kukonzanso pambuyo pake Kusalandila ngongole yamagalimoto yangongole ndiokwera mtengo. Koma mukamapanga mbiri yanu yangongole chaka chamawa kapena ziwiri, mutha kulembetsa kuti mukonzenso ngongole yanu yoyamba, mwina pamtengo wotsika kwambiri komanso mawu abwinobwino.
Kuipa
- Chosavuta: ndiokwera mtengo Ngakhale mutapewa Kugula Pano, Kulipira Apa ogulitsa, mutha kukhala ndi chiwongola dzanja choposa 20% - zomwe ndidaziwona ndikugwira ntchito yothandizira ndalama zamagalimoto. Kutengera ndi mtengo wamagalimoto anu komanso momwe mumabwereka, mutha kumalipira chiwongola dzanja chochuluka monga momwe mumachitira pa galimotoyo.
- Chosavuta: Mumafunikira ndalama zambiri kuti mulipire Zidzakhala zovuta kupeza wobwereketsa yemwe adzakulipireni ndalama popanda kubweza. M'malo mwake, nthawi zambiri amafunika kuti azilipira ndalama zambiri kuposa zachilendo kuti apeze ngongole. Komabe, palibe lamulo lovuta komanso lachangu, choncho kambiranani ndi obwereketsa musanapemphe ma tern.
- Con: Kuopsa kwa zachinyengo ndi obwereketsa omwe amadyetsa anzawo Pali obera ambiri komanso obwereketsa omwe amadyera masuku pamutu anthu omwe amakhulupirira kuti alibe njira ina. Mukafunsidwa kuti mulipire ndalama musanapite kumene amagulitsako kapena mawu obwereketsa akuwoneka owopsa (matani a chindapusa ndi chiwongola dzanja cha 30% kapena kupitilira apo), amenewo ndi mbendera zazikulu zofiira.
Ganizirani zodikirira mpaka mutakhazikitsa mbiri yakubweza ngongole
Ngati mulibe chilolezo ndipo mutha kudikirira kwakanthawi musanafune galimoto, ganizirani zopatula nthawi kuti mupange mbiri yakubweza ngongole ndikukhazikitsa mbiri yabwino musanapemphe ngongole yagalimoto.
Njira imodzi yochitira izi ndikuwonjezera akaunti ya mnzanu kapena wachibale wanu ngati wovomerezeka. Ngati akauntiyi ili ndi mbiri yabwino yolipira komanso yotsika pang'ono, mutha kupeza phindu la akauntiyo popanda kulipira.
Njira ina ndikutsegula akaunti yanu ya kirediti kadi. Khadi la ngongole lotetezedwa ndichomwe mungachite kwa anthu opanda ngongole. Makhadi awa amagwira ntchito mofananamo ndi ma kirediti kadi wamba, koma amafunika kusungitsa chitetezo chamtsogolo, chomwe mutha kubweza mutatha kuwonetsa kugwiritsa ntchito bwino kirediti kadi kapena mutatseka akaunti yanu.
Ngati mukufuna kupewa ndalama, pali zosankha zosatetezedwa zomwe sizowopsa, monga Deserve Classic Mastercard ndi Petal Visa khadi. Makhadi awa amapangidwira anthu omwe alibe mbiri yakubwereketsa ngongole ndipo atha kukuthandizani kuti mupange ngongole mwa kuzigwiritsa ntchito pafupipafupi komanso kulipira ngongole yanu nthawi mwezi uliwonse.
Khalani ndi mbiri ya zolipira munthawi yake zivute zitani, a Messier akutero, chifukwa ichi ndiye chinthu chofunikira kwambiri pakudziwitsa kuchuluka kwanu kwa ngongole.
Pomaliza, ganizirani zopeza ngongole yomanga ngongole, yomwe ingakuthandizeni kupanga mbiri yakubweza ngongole popanda chiwongola dzanja chambiri.
Mukadzipangira ngongole kwa miyezi isanu ndi umodzi, mudzalandira mphotho ya FICO, yomwe ingakuthandizeni kukulitsa mwayi wanu wopeza ngongole yamagalimoto pamakhalidwe abwino. Malipiro anu akakhala 670 kapena kupitilira apo , iwonedwa ngati yabwino, yomwe ingakupatseni mwayi wosankha zambiri.
Zomwe muyenera kuchita ngati simungathe kudikira
Ngati mulibe nthawi yolembapo mbiri yanu yangongole, lingalirani zopeza ngongole yagalimoto tsopano kuchokera kwa wobwereketsa wodziwika ndipo yang'anani pakupanga mbiri yanu kwa miyezi isanu ndi umodzi ikubwera chaka. Ngongole yanu ikakhala kuti ili bwino, mutha kulembetsa kuti mukonzenso ngongoleyo, yomwe ikhoza kukupulumutsirani ndalama zambiri ikabwera ndi chiwongola dzanja chochepa.
Komabe, mukamagula, yesetsani kuchita izi mwachangu.
Tithokoze chifukwa cha malingaliro ena okhudza kubweza ngongole, ngati mungalembetsere ngongole zingapo zamagalimoto munthawi yochepa, kafukufuku wokhayo ndi amene adzawerengedwe pangongole yanu, akutero a Messier.
Nthawi imeneyi imakhala masiku 14, koma nthawi zina imakhala yayitali.
mapeto
Kupeza ngongole yopanda ngongole ya galimoto kungakhale kovuta ndipo kungatenge nthawi yayitali. Komabe, moleza mtima, mutha kupeza zabwino, ngakhale simuli nzika zaku US. Muyenera kupeza wobwereketsa woyenera kuti akuthandizeni.
Zamkatimu
- Momwe mungagulire galimoto popanda ngongole
- Pezani wothandizira nawo
- Sakani kulikonse
- Sungani pamalipiro akulu
- Ganizirani za ndalama zogulitsa
- Ganizirani za mabanki am'magulu ndi mabungwe ogulira ngongole
- Ngongole Zamsika
- Ubwino ndi zoyipa zogulira galimoto popanda ngongole
- Ubwino
- Kuipa
- Ganizirani zodikirira mpaka mutakhazikitsa mbiri yakubweza ngongole
- Zomwe muyenera kuchita ngati simungathe kudikira
- Kodi ndikufuna ngongole zingati kuti ndigule nyumba?
- Palibe Ngongole Zoyang'anira Ngongole ku USA
- Zimawononga ndalama zingati kupaka galimoto?
- Kupititsa patsogolo inshuwaransi yamagalimoto - zonse zomwe muyenera kudziwa
- Momwe mungabwereke nyumba yopanda ngongole ku USA?
- Momwe mungalembetsere Walmart kirediti kadi