Zomwe muyenera kuchita ngati simungakwanitse kulipira galimoto yanu? Mwina mwakhala mukusintha moyo wanu. Mwinanso ndalama zanu zakuya zatha. Kaya chifukwa chake ndi chiyani, mumachita mantha kutsalira pakubweza galimoto yanu mwinanso kulephera kubweza zonse.
Ngati mukuvutikira kulipira galimoto mwezi uliwonse zomwe simungakwanitse, musachite mantha. Muli ndi zosankha zingapo.
Ngati mukuvutikira kulipira galimoto mwezi uliwonse zomwe simungakwanitse, musachite mantha. Nazi zina zomwe mungachite kuti mupewe kutaya galimoto yanu ndikuwononga ngongole yanu.
Ndi chilungamo: kugulitsa kapena kukonzanso
Kodi muli ndi ndalama mgalimoto? Ndicho chinthu choyamba chomwe muyenera kudziwa mukakhala pachiwopsezo chotsalira pazolipira zanu. Dziwani kuchuluka kwa galimoto yanu ndikufanizira mtengo wake ndi ndalama zomwe mumalipira ngongole. Ngati muli ndi ngongole yochepera mtengo wamagalimoto, muli ndi ndalama zambiri. Ngati muli ndi ngongole yambiri pa ngongole kuposa phindu lenileni la galimotoyo, mulibe ngongole yolingana. Mu bizinesi yamagalimoto, amatchedwa kukhala kumbuyo.
Ngati muli ndi ndalama zambiri, gulitsani galimoto yanu mwachindunji kwa ogulitsa magalimoto kapena Zamgululi ndiyo njira yosavuta yochokeramu ngongole yagalimoto yomwe simungathe kuyigwiranso.
Mulipira ngongole yanu ndipo ndizomwezo. Sipadzakhala ngozi yowononga ngongole yanu chifukwa chobweza mochedwa kapena mochedwa pagalimoto. Mutha kukhala ndi ndalama mthumba kuti mugule galimoto ina, yomwe ili ndi zolipira zambiri.
Kugulitsa galimoto kwa wogula payekha kungakupatseni ndalama zambiri, koma kugulitsa kwa wogula payekha pomwe mulibe dzina lake kungakhale kovuta. Chifukwa chake, ndibwino kukambirana ndi wogulitsa kapena CarMax.
Ngati mukufunikira kuyendetsa galimoto, kukhala pamalikulu kuyenera kukupatsani mwayi wokonzanso ngongole yanu yapano. Chiwongola dzanja chawuka posachedwa, chifukwa chake mwina simungathe kupeza ndalama zochepa kuposa ngongole yanu yapano. Koma powonjezera nthawi yobwereketsa mwa kulipira ndalama, mudzalandira zolipira zambiri. Mutha kumalipira chiwongola dzanja chochulukirapo, koma izi ndizachiwiri pomwe cholinga chanu ndikusunga galimoto yanu.
Mutha kuyambiranso kubwereketsa komwe mukukongoletsani, koma zingakhale zomveka kuyang'ana pa ngongole kapena kubanki yanu. Mabungwewa atha kukupatsani chiwongola dzanja chotsika kuposa chomwe angakubwerekeni.
Njira ina ngati mungabwereke
Onani malo osinthanitsa anzawo ndi anzawo ngati Swapalease ndipo LeaseTrader . Cholinga chake ndi chosavuta: munthu amene akuyenera kutuluka pangano amafalitsa galimotoyo pamalopo. Wogula akaona galimoto yanu ili pamndandanda ndipo akufuna mawuwo, wogulayo amatha kutenga pangano malinga ngati banki ikuloleza ndipo wogula akuyenerera. Ngati mutha kutsitsa galimoto yanu motere, simudzalandila ndalama zamtsogolo.
Palibe chilungamo, zosankha zingapo
Ndizovuta kwambiri ngati mukugula ndipo mulibe ndalama. Ngati, mutapeza mtengo wagalimoto yanu, mupeza kuti muli ndi ngongole yochulukirapo kuposa yomwe galimoto yanu ikuyenera, kugulitsa galimoto yanu kuti muchotse malipirowo sikokwanira. Mungafune ndalama kuti mulipire kusiyana pakati pa ngongole yanu ndi ndalama zenizeni za galimotoyo.
Kuyambiranso galimoto yanu kumatha kukhala kosankha Koma kutengera momwe mumabwerera m'mbuyo, kupeza wobwereketsa yemwe ali wofunitsitsa kubweza ngongole yolandilidwa kubweza ngongole kungakhale kovuta. Yakwana nthawi yolumikizana ndi banki yanu.
Khalani patsogolo ndi wobwereketsa
Kuyankhulana ndi wobwereketsa ndikofunikira ndipo kumatha kusiyanitsa pakati pa kuyendetsa galimoto yanu ndikubwezeretsanso.
Wogula akakanika kubweza ngongole, ayenera kuyimbira wobwereketsa nthawi yomweyo atero a Natalie M. Brown, wachiwiri kwa purezidenti wa foni yolumikizirana ndi ogula. Magulu othandizira makasitomala ali okonzeka kugwira ntchito ndi makasitomala kuti amvetsetse momwe alili ndikuyesera kupeza njira zomwe zingathandize.
Banki idzafuna kudziwa zomwe zimakulepheretsani kulipira. Ngati wachibale wamwalira, kuchotsedwa ntchito, kudwala kapena chochitika china chachikulu chomwe chakhudza chuma chanu, uzani wobwereketsa.
Obwereketsa ena amalola kupirira, kapena nthawi yomwe mutha kutaya kapena kubweza zochepa mpaka zinthu zitakuyenderani bwino. Mabanki ena atha kukhala okonzeka kusintha masanjidwe a ngongole kuti akhale malipiro osavuta kusamalira. Kumbukirani kuti obwereketsa sakufuna kuti galimoto yanu ibwererenso kwa inu ndipo nthawi zambiri amangobweza akamaliza njira zina.
Koma pambuyo pa miyezi itatu yakulipirani mochedwa ndipo ngati simukuyankhulana ndi wobwereketsa, galimoto yobwereranso ikuyang'ana galimoto yanu.
Ngati atalandanso
Ngati mutadzuka ndipo galimoto yanu simukuyenda, zonse sizinatayike.
Galimoto italandidwa, wobwereketsayo angakuloleni kuti muyimenso. Izi zimatchedwa kuwombola kapena kubwezeretsa kuchira kwanu. Ngati muli ndi mwayi uwu, muyenera kuyenda mwachangu. Zenera loti mubwezeretse galimoto yanu ndi lalifupi - nthawi zosakwana milungu iwiri.
Komabe, kubweza galimoto yanu sikungakhale kotchipa. Obwereketsa ambiri amakufunsani kuti mulipire ndalama zomwe zimabweretsa ngongole yanu (kapena pafupi nayo), limodzi ndi zolipiritsa.
Ngati mukulephera kugulitsa kapena kubwezeretsanso omwe alandanso, wobwereketsayo amatumiza galimotoyo kugulitsa. Komabe, kulumikizana kwanu pachuma ndi galimoto sikudzatha pamsika. Mudzakhala ndi udindo wosiyanitsa ndalama zomwe zinagulitsidwa ndi zotsala za ngongoleyo, komanso mtengo wopeza.
Chifukwa chake ngati muli ndi ngongole ya $ 15,000 pagalimoto yomwe imagulitsidwa pamsika kwa $ 11,000, mudzabwezeretsa pa lipoti lanu la ngongole ndipo mudzakhala ndi ngongole ya $ 4,000, kuphatikiza ndalama zoyendetsera galimoto yomwe simukuyendanso. Ngakhale obwereketsa atha kulipira ngongoleyo, osadalira. Ali ndi ufulu wokutsutsani ndipo, ngati apambana, atha kutenga ndalamazo polowera ku akaunti yanu yakubanki kapena kukongoletsa malipiro anu. Tsamba lazidziwitso zamalamulo Nolo ili ndi nkhani yokhudza zomwe mungasankhe ngati mukukongola ndalama mutachira .
Yankho loipa: bweretsani galimoto
Ngati galimoto yanu ikuchotsedwa, izi zimaonedwa ngati zabodza. Mukakonzekera kusiya galimotoyi kwa wobwereketsayo, amawerengedwa kuti ndiwodzipereka mwakufuna kwanu.
Ngati mungasankhe kupereka galimoto yanu modzipereka, mupulumutsa ndalama zomwe banki imagwiritsa ntchito potumiza galimoto yosakira ndikusungitsa galimoto yanu mpaka itapita kukasaka. Koma obwereketsa amawona kulanda ndi kudzipereka mwaufulu chimodzimodzi: kulephera kulemekeza mathero a mgwirizano wawo. Ngakhale ziwoneka mosiyana pa lipoti lanu la ngongole, zonsezi ziwononga mbiri yanu.
Palibe yankho: bisani galimoto
Izi sizigwira ntchito. Nayi nkhani yotsimikizira mfundoyi:
Ndinagulitsa magalimoto kwa zaka zopitilira khumi ku Southern California, ndipo kasitomala m'modzi anali mayi yemwe samalipira ngakhale mwezi woyamba. Sanayankhe poyesayesa kuti wobwereketsayo alumikizane naye.
Banki idawona kuti idalipira kale ndalama zoyambirira, zomwe zidalemba galimoto yake kuti ikalandire. Mwina mukuganiza kuti kutulutsa galimoto pakhomo panu kungakupangitseni kuti musawonekere kubanki, chifukwa chake mwaganiza zoponya tawuni. Pasanathe mwezi umodzi, kampani ina yochita masewera olimbitsa thupi inawona Mitsubishi Montero yake pamalo oimika magalimoto mu sitolo ku Atlanta ndipo anailanda.
Zidachitika bwanji izi? Ukadaulo. Magalimoto obwereza ali ndi makamera omwe amawerenga mapepala okhala ndi ziphaso ndikujambula pafupifupi aliyense amene akudutsa. Ma mbale a ziphasozi amatchulidwanso pamndandanda wamagalimoto omwe adasungidwa kuti achire, ndipo woyendetsa wa galimoto yosunthira akapeza machesi, galimotoyo imakhala chandamale.
Makhalidwe a nkhaniyi: ngakhale kuyendetsa dziko lonselo sikungakuthandizeni kuthawa munthu wobisalira.
Malangizo abwino kwambiri
Njira yabwino yothanirana ndi zovuta zakulephera kulipira sindiyo njira yodutsira galimoto yosungiramo katundu kapena kudziwa momwe mungasinthire ngongole yanu. Ndi zomwe mumachita musanagule galimoto yanu yomwe ingakhale njira yofunika kwambiri yopewera mavuto.
Upangiri woyamba womwe tingapatse ogula ndikuyesetsa kupewa izi, ngati angathe. Anatero Brown. Konzani patsogolo kuti muchepetse zovuta zakubweza ngongole. Mwachitsanzo, kukhala ndi thumba ladzidzidzi lokhala ndi miyezi itatu kapena isanu ndi umodzi ndimalingaliro.
Nazi njira zingapo zoyeserera: Gulani galimoto yoyenera pazosowa zanu, pozindikira kuti siyingakhale galimoto yamaloto anu. Poganizira zowonjezera zowonjezera zakugulira galimoto pasadakhale. Khalani mu bajeti yanu m'malo mongowonjezera.
Mukachita zonsezi, komabe muli pamavuto azachuma ndi galimoto yanu, tikukhulupirira maupangiri awa - komanso mwayi - adzapulumutsa tsikulo.
Zamkatimu
- Ndi chilungamo: kugulitsa kapena kukonzanso
- Njira ina ngati mungabwereke
- Palibe chilungamo, zosankha zingapo
- Khalani patsogolo ndi wobwereketsa
- Ngati atalandanso
- Yankho loipa: bweretsani galimoto
- Palibe yankho: bisani galimoto
- Malangizo abwino kwambiri
- Kodi ndalama zothandizira magalimoto zimagwira ntchito bwanji?
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