Kodi Ndalama Zamagalimoto Zimagwirira Ntchito Bwanji? . Mu Januware 2020, mtengo wapakati wagalimoto yatsopano unali $ 37,851 Malinga ndi akatswiri amakampani Buku la Kelley Blue - ngati muli ngati ambiri aife, muyenera pezani ndalama kuti maloto anu akwaniritsidwe . Ndalama zamagalimoto zimagwirira ntchito kudzera pangongole yochokera kubungwe lazachuma kapena wobwereketsa ena kuti azilipira mtengo wonse wogula.
Kodi kuyendetsa galimoto ndimotani?
Mukamapereka ndalama pagalimoto, bungwe lazachuma limakongoletsani ndalama zomwe mumayenera kulipirira galimotoyo pangongole zochepa. Nthawi zambiri muyenera kutero perekani zolipira wofanana ndi kuchuluka kwa kuchuluka kwa ngongoleyo ndikulipira mtengo wotsala wagalimotoyo kwakanthawi (nthawi yobwereketsa) kulipira pafupipafupi pamwezi.
Monga ngongole iliyonse, obwereketsa magalimoto amapanga ndalama kulipiritsa chiwongola dzanja za ngongole ndi zolipirira zina pokonza ndikutulutsa ngongoleyo. Galimotoyo imakhala ngati chikole cha ngongole, zomwe zikutanthauza kuti wobwereketsayo ali ndi ufulu kutenga (kupumula) galimoto yanu ngati simungakwanitse kulipira.
Ndani amapereka ndalama zamagalimoto?
Mutha kupeza ndalama zothandizila pagalimoto kudzera m'mabungwe osiyanasiyana azachuma. Mabanki ndi mabungwe obwereketsa ngongole ndi malo wamba opezera ngongole zamagalimoto. Ngati mukudziwa zambiri za momwe galimoto yomwe mukufuna ikuthandizireni, mutha kulumikizana ndi banki yanu kapena mgwirizano ndi omwe mungavomereze ngongole.
Adzakupatsani kalata yotsimikizira kuchuluka kwa zomwe mungabwereke komanso chiwongola dzanja. Ingokumbukirani kuti chiwongola dzanja chimatha kusintha pang'ono mukamagula galimoto ndipo banki kapena mgwirizano wa ngongole umakhala ndi cheke chokwanira kuti mumalize kuvomereza kwanu ngongole.
Muthanso kupeza obwereketsa magalimoto paintaneti omwe angakufananitseni ndi ngongole yabwino yamagalimoto pazosowa zanu. Masambawa amakulolani kufananizira zopereka kuchokera kwa obwereketsa osiyanasiyana kuti mupeze zomwe zikukuthandizani.
Malo ena opezera ndalama ndi ogulitsa okha. Ogulitsa atha kukonza zakukuthandizani kudzera mwa obwereketsa ena; Mudzafunsira ngongole kwa wogulitsa ndikuvomerezedwa pomwepo. Izi zitha kutenga ndalama zochulukirapo kuposa kubwereka nokha, popeza ogulitsa nthawi zambiri amapeza phindu pamtengo.
Ogulitsa ena amapereka ndalama zawo zapakhomo. Kudziwika kuti kugula pano kulipira pano ndalama, ichi ndi chinthu choyenera kupewa ngati kungatheke. Ngongole izi zimapangidwira anthu omwe ali ndi ngongole zoyipa, chifukwa chake chiwongola dzanja ndi zolipira pansi zimakhala zazikulu kwambiri.
Mukadikirira mpaka mutakondana ndi galimoto inayake kuti mulembetse ndalama zogulitsa, mumavomereza kubweza ngongole zochepa. Ndicho chifukwa chake kuvomerezedwa musanapange ngongole yamagalimoto nokha musanapite kukagula kungakhale lingaliro labwino. Pokhala ndi malingaliro a ngongole yomwe mudavomerezedwa kale, mutha kukambirana bwino ndikupeza ngongole yoyenera yamagalimoto pazosowa zanu.
Malangizo pa ngongole zamagalimoto
Kugula galimoto ndichimodzi mwazinthu zazikulu kwambiri zomwe mudapanga, chachiwiri ndikungogula nyumba. Ngakhale kulipira ndalama kungakhale koyenera, chowonadi ndichakuti anthu ambiri amafunikira ngongole kuti alipire galimoto yawo, ngakhale itakhala yatsopano kapena yogwiritsidwa ntchito. Monga chinthu chomwe chimapeza chiwongoladzanja mukamalipira pakapita nthawi, ndikofunikira kukonzekera musanapemphe ngongole yagalimoto.
Musanayambe ndondomeko yanu yogulira galimoto, pali zinthu zofunika kuzidziwa pangongole zamagalimoto.
Dziwani kuchuluka kwa ngongole
Ngongole yanu ndi yomwe imafunikira kwambiri pakudziwitsa mtundu wa ngongole yomwe mungapeze kwa wobwereketsa. Kaya mukudutsa kubanki, wogulitsa ngongole yamagalimoto, kapena wogulitsa yekha, mulingo uzidalira.
Dziwani kuti si onse obwereketsa omwe amagwiritsa ntchito, kapena kuyang'ana njira yofananira: Olembetsa osiyanasiyana ali ndi njira zosiyanasiyana, chifukwa chake mapikidwe ochepa omwe akuyenera kukhala oyenerera amasiyanasiyana kutengera kampani yomwe ikupereka ndalama, kutengera Funsani Wodziwa Zambiri .
Zambiri zosiyanasiyana zikuphatikiza FICO Auto Score 8 ndi Vantage Score 3.0. Dziwani kuchuluka kwa omwe amakukondweretsani ndipo muwagwiritse ntchito kuti mudziwe malipoti omwe mukufuna. Ngati simukudziwa kuchuluka kwa ngongole yanu, mutha kupeza lipoti lanu la ngongole kuchokera kumaofesi akuluakulu atatu aulele kwaulere. Ogulitsa onse amaloledwa kope limodzi pachaka cha zhiranji.it .
Lemberani ngongole kwa masiku 14
Ngongole zanu zidzatsika pang'ono obwereketsa akawona mbiri yanu yobwereketsa, koma kusunga momwe mukugwiritsira ntchito pasanathe milungu iwiri kumathandiza kuchepetsa mavuto, malinga ndi akatswiri a ngongole ku Magalimoto - Chinsinsi chomwe obwereketsa ambiri sangakuuzeni. Chifukwa chiyani? Nthawi yogula mphotho ya FICO ndi masiku 14, chifukwa chake mafunso onse opangidwa munthawiyo adzawerengedwa kuti ndi amodzi, kuchepetsa zomwe mungakwere.
Pezani kuvomerezedwa kale, kenako mugule
Nthawi zonse kumakhala bwino kupita kokagulitsa magalimoto ndikukupatsani ndalama kuchokera kubanki kapena wobwereketsa m'manja. Chopereka chovomerezeka chisanachitike chimatsimikizira kuti muli ndi ngongole yolipira mtengo wamagalimoto omwe mukufuna.
Chofunika kwambiri, kukupatsanso mwayi wowonjezera: Ndi cheke chanu chopanda kanthu kapena coupon yovomerezeka ndi obwereketsa yomwe ili m'manja, mumasandulika kukhala 'wogula ndalama', pamalo oimikapo magalimoto, ndikupeza kuti muli pamgwirizano. Philip Reed wa NerdWallet .
Mutha kuvomerezedwa ndi ngongole yagalimoto kubungwe la ngongole, mabanki, ndi obwereketsa pa intaneti.
Terengani ndalama musanayankhe kuti inde
Musanatengeke ndi kuchepetsa ndalama zolipirira galimoto pamlingo winawake, ndikofunikira kuti mumvetsetse zomwe zimayambitsa kukhazikitsa ndalama zolipirira mwezi uliwonse. APR imangokhala ndi zotsatirapo zochepa pamlingo womwe mumalipira mwezi uliwonse.
Zinthu zofunika kwambiri ndizophatikiza ngongole yonse yomwe mungafune, kaya mumalipira ngongole kapena ayi, mukuchotsa nthawi yayitali bwanji, komanso nthawi yobwereketsa (nthawi yobwezera).
Gwiritsani ntchito makina owerengera ndalama kuti muzisewera ndi manambala. Mutha kuthamangira kutulutsa galimotoyo pamalo oimikapo magalimoto, koma kutenga tsiku kuti muwerenge manambala kungakupulumutseni masauzande ambiri pamapeto pake.
Mvetsetsani ndalama zogulitsa
Nthawi zina ndalama zogulitsa zimawoneka ngati zopatsa chidwi. Kutsatsa monga 0% ndalama komanso kubweza ndalama zochulukirapo, zomwe pamapeto pake zimachepetsa ngongole yanu yonse, zitha kuwoneka ngati njira yabwino kwambiri.
Kumbukirani kuti zosankha zambiri zandalama zimangopezeka kwa ogula oyenerera. Ngati muli ndi china cholakwika pa lipoti lanu la ngongole, mphambu zochepa za FICO, kapena mwayi wochepa wopeza ngongole, mwina simungayenerere izi.
Mulimonsemo, nthawi zonse muziyang'ana mozungulira, musalandire ndalama zoyambirira zomwe mungapatsidwe, ndipo musaiwale kuwerengetsa mtengo musanayankhe kuti inde.
Kulipira galimoto yanu yatsopano ndi njira yabwino yopezera galimoto yomwe mukufuna popanda kuyipereka. Njirayi ikhoza kukhala yovuta, chifukwa chake sungani malingaliro awa musanayankhe kuti inde kwa chilichonse. Mukamachita kafukufuku wanu, kuvomerezedwa kale, ndikuyendetsa masamu nokha, mudzachokapo mukumva bwino za galimotoyo komanso momwe mulili pachuma.
Kodi ndingabweretse ngongole yanji kuti ndilipire galimoto?
Pulogalamu ya kuchuluka kwa ngongole kumafunikira Momwe mungakwaniritsire kukhala ndi ngongole yamagalimoto imasiyanasiyana ndi wobwereketsa komanso mtundu wa ndalama. Obwereketsa magalimoto atha kusiyanasiyana pamachitidwe omwe angafune kugwiritsa ntchito poyesa kuti ali ndi ngongole kapena ayi. Zotsatira zake, palibe osachepera ngongole idakhazikitsa kuti obwereketsa onse amafuna. Izi zati, anthu omwe amakhala ndi ngongole zambiri komanso mbiri yayitali yantchito amatha kulandira ngongole zabwino komanso chiwongola dzanja chochepa.
Ngati mphambu yanu INE NDINE ®Zili bwino kapena zili bwino, muyenera kukhala oyenerera kulandira ngongole zovomerezeka zamagalimoto. Malipiro pafupipafupi sangakulepheretseni kudutsa; komabe, zitha kutanthauza kuti mudzalipira chiwongola dzanja chochulukirapo kapena muyenera kulipira kwambiri. Ngati muli ndi chiwongola dzanja chochepa kapena mukufuna kungopeza ziyeneretso zabwino, tengani nthawi kuti mugwiritse ntchito ngongole yanu musanapemphe ngongole yapa galimoto.
Zinthu zofunika kuzikumbukira mukamafunsira ngongole yagalimoto
Mtengo wamagalimoto sindiwo ndalama zokha zomwe mungaganizire mukamafunsira ndalama zamagalimoto. Nawa mawu ofunikira kukumbukira.
- Malipiro oyamba - Kuchuluka kwa ndalama zomwe muyenera kuyika kuti mudzalandire ngongoleyi. Ngati muli ndi ngongole yabwino kapena yabwino, mutha kulandira mwayi wolipira zero. Mukasankha ndalama zolipira, kumbukirani kuti mukamalipira zambiri, ndalama zochepa zomwe muyenera kubwereka, ndi ngongole yocheperako zikutanthauza kuti mudzalipira chiwongola dzanja chochepa pakapita nthawi.
- Chiwerengero cha pachaka ( APR ) - Ngongole yanu APR iziphatikiza chiwongola dzanja cha ngongole, komanso chindapusa chilichonse kapena zolipiritsa zina zowonetsera mtengo wonse wobwereka ndalamazo. Ngati mukuyezetsa ngongole ziwiri, kuyerekezera APR ndi njira yabwino yowunika kuti ndi ngongole iti yomwe ingakulipirireni pamapeto pake.
- Misonkho : a misonkho Kugulitsa magalimoto aboma kuyenera kulipidwa panthawi yogula. Kutengera komwe mumagula galimotoyo komanso mtengo wake, izi zitha kuwonjezera madola masauzande angapo pamtengo wanu.
- Mitengo - Kuphatikiza pa chindapusa cholembetsera galimoto yanu yatsopano ku department yanu yaboma yamagalimoto, mungafunike kulipira ndalama zina zomwe amalipiritsa, monga zolipirira kopita kapena zolemba.
- Migwirizano Yantchito : Nthawi ndiyomwe muyenera kubweza ngongoleyo. Mawu obwereketsa magalimoto nthawi zambiri amakhala kuyambira miyezi 36 mpaka 72; Mutha kupezanso ngongole zanyumba zama miyezi 84. Kusankha ngongole yotalikirapo kumachepetsa zolipira zanu pamwezi, koma polipira chiwongola dzanja chochulukirapo pakapita nthawi. Ngongole yocheperako imatanthauza kulipira kwakukulu pamwezi, koma chiwongola dzanja chochepa; Komanso obwereketsa nthawi zambiri amapereka chiwongola dzanja chotsika cha ngongole zazifupi.
- Malipiro amwezi uliwonse - Kubweza ngongole yanu yamagalimoto, mudzapanga zolipira pamwezi zomwe zimaphatikizapo zazikulu ndi chiwongola dzanja. Akatswiri amalangiza kuti muzilipira ndalama pamwezi pa 10% kapena kuchepera kwa zomwe mumalandira kunyumba. Ndikofunika kuti ndalama zanu mwezi uliwonse zizitha kusungidwa, chifukwa ngati zikukuvutani kulipira ngongole yanu yamagalimoto, zitha kupweteketsa ngongole yanu, ndipo ngati mungaphonye zolipira zochulukirapo, mutha kupezanso galimoto yanu. Momwemo, yang'anani ngongole yayifupi kwambiri pamalipiro okwera mtengo.
Njira zina zothandizira ndalama zamagalimoto
Ngongole zachikhalidwe zamagalimoto si njira yokhayo yotsimikizirira ndikulipira galimoto. Nazi njira zina zomwe zingakuthandizeni.
- Kubwereketsa galimoto - Kubwereketsa kumapereka njira yoyendetsera galimoto yatsopano osagula. Kubwereketsa kumakhala kubwereka kwakanthawi kochepa, chifukwa chake mudzabwezeretsa galimotoyo kumalo ogulitsa kapena kubwereketsa mukayendetsa kwa zaka zingapo. Malipiro a mwezi uliwonse amakhala otsika poyerekeza ndi kubweza ngongole pagalimoto yomweyi. Kubwereka galimoto kumafuna ndalama zolipirira, ndipo mungafunikire kupirira zoletsa zina; Mwachitsanzo, pakhoza kukhala malire ku mtunda wamayendedwe omwe mungayendetse chaka chilichonse. Komabe, ngati cholinga chanu ndikuyendetsa galimoto yatsopano popanda kupanga ndalama zambiri, kubwereketsa kutha kukhala mwayi. Ingokumbukirani kuti mufunika zabwino kubweza ngongole kuti muyenerere kubwereketsa.
- Lipirani ndalama - Kulipira ndalama pagalimoto sikungatheke kwa anthu ambiri, makamaka ngati muli ndi mtima wotsimikiza pamtundu watsopano. Koma kwa iwo omwe angathe kuyisamalira, kulipira ndalama kumachotsa kufunikira kofunsira ngongole yagalimoto. Mwayi wake, muyenera kusunga madola masauzande ochepa kuti mulipire. Ngati simukufuna galimoto nthawi yomweyo, khalani ndi nthawi yopulumutsa pang'ono. Malingana ngati simukusowa mabelu onse ndi mluzu ndipo mukungofuna mayendedwe oyambira, mutha kupeza magalimoto odalirika a $ 5,000 kapena kuchepera.
- Ngongole za anzawo : a ngongole zofanana anzawo (P2P) samaperekedwa ndi mabanki kapena ogulitsa magalimoto, koma kuchokera kwa munthu wina kupita wina. Izi ndi ngongole zanu zomwe mungagwiritse ntchito pazinthu zilizonse, kuphatikiza kugula galimoto. Mutha kupeza ngongole za P2P pamapulatifomu a pa intaneti, monga Prosper, Lending Club, ndi Peerform, zomwe zikukufananitsani ndi anthu omwe akufuna kupereka ngongole. Chiwongola dzanja cha P2P chimasiyana mosiyanasiyana, ndipo nthawi zambiri mumafunikira ngongole yabwino kuti muvomerezedwe; komabe, ndizosavuta kugwiritsa ntchito pa intaneti ndikuyerekeza mitengo ya chiwongola dzanja ndi mawu osiyanasiyana kuti mupeze ngongole yabwino kwa anzanu.
Njira yabwino yopezera ndalama pagalimoto
Monga mukuwonera, pali njira zambiri zopezera ndalama galimoto yanu yatsopano. Kuti mupeze ngongole yabwino kwambiri yamagalimoto, yambani kuwunika yanu lipoti ngongole ndipo kuchuluka kwa ngongole . Kulemba bwino ngongole kumakupatsani zosankha zambiri ndipo kumatha kukuthandizani kuti mupeze ngongole yabwino. Kufufuza za ngongole zamagalimoto kuchokera kubanki yanu, kubungwe la ngongole, ndi obwereketsa pa intaneti musanapite kumalo ogulitsa magalimoto kumakupatsani chidziwitso chazomwe mungasankhe, kukupatsani mwayi woti mukambirane ndalama zoyendetsera ma wheel anu atsopano.
Zamkatimu
- Kodi kuyendetsa galimoto ndimotani?
- Ndani amapereka ndalama zamagalimoto?
- Malangizo pa ngongole zamagalimoto
- Dziwani kuchuluka kwa ngongole
- Lemberani ngongole kwa masiku 14
- Pezani kuvomerezedwa kale, kenako mugule
- Terengani ndalama musanayankhe kuti inde
- Mvetsetsani ndalama zogulitsa
- Kodi ndingabweretse ngongole yanji kuti ndilipire galimoto?
- Zinthu zofunika kuzikumbukira mukamafunsira ngongole yagalimoto
- Njira zina zothandizira ndalama zamagalimoto
- Njira yabwino yopezera ndalama pagalimoto
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