Ngongole Zandalama Pamutu Wamagalimoto

Ngongole zamagalimoto

Ngongole zamagalimoto a Cash ndizowopsa momwe amagwiritsira ntchito galimoto ngati chikole ndipo ali ndi chiwongola dzanja chambiri. Phunzirani momwe mungapangire ngongole yamagalimoto kugwira ntchito kwa inu.

Pankhani yobweza ngongole yamagalimoto, pali zinthu zambiri zomwe muyenera kudziwa musanalembere imodzi . Ngongole izi zimadziwikanso kuti ngongole zolipira kumapeto, ngongole zandalama, kapena ngongole yamagalimoto.

Onse amatanthauza chinthu chimodzi ndipo amatha kugwiritsidwa ntchito mosinthana. Amafuna kugwiritsa ntchito yanu galimoto ngati chikole chobwezera phindu la ngongole . Ngongole izi ziyenera kugwiritsidwa ntchito mu mlandu mwadzidzidzi . Nawa maupangiri ndi chidziwitso choti mudziwe.

Momwe Magulu Oyimira Magalimoto Amagwirira Ntchito

Kuti mubwereke pa galimoto yanu, muyenera kukhala ndi ndalama zokwanira mgalimoto yanu kuti mupereke ngongole. Nthawi zambiri, mumayenera kuti munalipira ngongole ina iliyonse yogulira galimotoyo, koma obwereketsa ena amakulolani kubwereka ngati mukulipira ngongole yapa galimoto. Pafupifupi, ngongole izi zimatha kuyambira $ 100 mpaka $ 5,500.

Ndalama zomwe mungabwereke zimatengera mtengo wamagalimoto anu kapena kuchuluka komwe muli mgalimoto. Mtengo umakwera, ndizambiri zomwe mungalandire. Koma musayembekezere kufinya mtengo wathunthu wagalimoto pamalipiro. Obwereketsa amafuna kuti athe kubweza ndalama zawo, chifukwa chake amangobwereketsa zomwe angalandire mwachangu komanso mosavuta ngati angawabwezeretse ndikugulitsa galimotoyo. Obwereketsa ambiri amapereka ngongole pakati pa 25% mpaka 50% yamtengo wagalimoto yanu. Akhozanso kukhazikitsa chida chotsatira GPS m'galimoto yanu kuti munthu wina asabise galimoto m'malo molipira ngongoleyo.

Ngakhale mutha kulandira ngongole yamagalimoto kuchokera kumakampani azachuma, mukhozanso kubwereka pagalimoto yanu kudzera kubungwe lanu la ngongole kapena banki.²

Kufufuza

Chitani kafukufuku wambiri pamalipiro agalimoto ndi obwereketsa osiyanasiyana kumeneko. Ngongole zamagalimoto ndizobwereka zochepa kwa obwereketsa, zomwe zili zabwino kwa inunso. Izi zikutanthauza kuti pali obwereketsa ambiri omwe amapanga ngongole yamagalimoto. Muyenera kuyang'ana mosamala malo oyenera, chifukwa chiwongola dzanja cha ngongolezi ndizokwera, chifukwa chake muyenera kukhala ndi nthawi yopeza wobwereketsa wotsika kwambiri.

Chiwongola dzanja

Chiwongola dzanja cha ngongolezi chimakhala chodabwitsa. Ngongole zama auto zamagalimoto zimakhala ngongole zazifupi, sizikhala masiku opitilira 30. Chifukwa cha izi, obwereketsa amalipira chiwongola dzanja chachikulu kuti muwonetsetse kuti mukupanga ndalama. Maperesenti omwe amakupatsani ndi omwe azikhala pamwezi, omwe angawoneke bwino kumtunda. Amatha kunena kuti 20%, koma ndi chiwerengero cha mwezi uliwonse. Muyenera kuchulukitsa ndi 12 kuti mupeze chiwongola dzanja cha pachaka, chomwe chingakhale 240% ya APR. Izi ndizosamveka ndipo ndizowopsa pangongole izi. Ngati simungathe kulipira ngongole yanu munthawi yake, mudzawona chiwongola dzanja chanu chikukwera kwambiri.

Mtengo

Kuchuluka kwa ngongole yamagalimoto kumatsimikiziridwa ndi mtengo wa galimoto yanu. Wobwereketsa amakulolani kubwereka mpaka theka la mtengo wagalimoto. Izi ndichifukwa choti mukalephera kubweza ngongoleyo, abweza galimoto yanu ndikudzigulitsa okha. Izi zimawapatsa mpata woti awonetsetse kuti abweza zomwe adalipira ngongoleyo. Onetsetsani kuti mwapeza mtengo wokwanira pa ngongole yanu. Angafunenso kuti muwonjezereko inshuwaransi pagalimoto, chifukwa amasunga mutuwo mukadali kuyendetsa galimotoyo.

Zowopsa

Monga mukuwonera, pali zoopsa zowonekera ndi mtundu uwu wa ngongole. Ngati mungalepheretse nthawi imeneyi, yomwe nthawi zambiri imakhala masiku 30, ali ndi ufulu wokuchotserani galimoto yanu. Komabe, mutha kuloledwa kuwonjezera, pamenepo mudzakhala ndi nthawi yambiri yolipira. Muyenera kulipira chiwongola dzanja chochulukirapo, ndipo nthawi zina mumatha kulipira kawiri kapena katatu zomwe ngongole yoyambayo idayenera. Ngati simungathe kuchita izi, mutha kutaya galimoto yanu.

Kodi udindo wamagalimoto umakhudzidwa bwanji?

Mukalembetsa ngongoleyi, galimoto ndiye chikole ndipo mutu wagalimoto umasungidwa ndi wobwereketsa mpaka ngongole yonse itaperekedwa. Kuti mutenge ngongole yamtunduwu, muyenera kukhala ndi galimotoyo kwaulere komanso popanda ndalama zina kapena ngongole yamagalimoto.

Yang'anirani zachinyengo

Chifukwa ngongole izi zili pachiwopsezo chachikulu, muyenera kusamala ndi zachinyengo. Ngati mukukhala kuyambira zolipirira mpaka zolipiridwa ndipo pangano likubwera mwadzidzidzi zomwe sizabwino, samalani. Ngati mukuganiza zachuma pakanthawi kochepa, mutha kuganiza kuti ngongoleyi ndi yabwino, koma pokhapokha ngati mwadzidzidzi, muyenera kusamala. Simukufuna kukhala ndi ngongole zomwe zingatenge zaka kuti mulipire.

Pezani upangiri pamalipiro agalimoto

Ngati mukufuna ndalama mwachangu ndipo mukuyang'ana ngongole yapa galimoto, lankhulani ndi mlangizi wazachuma kuti mupeze upangiri. Mutha kukhala ndi pulani yadzidzidzi kuti muteteze chuma chanu m'malo moziika pachiwopsezo chachikulu. Ngati mumakhala ndi chidziwitso chochuluka monga momwe mungathere pazinthu zanu ndi ngongole zanu, simungayende bwino pangongole. Mtundu wa ndalama zomwe mungapeze ndi ngongolezi kuyambira $ 100 mpaka $ 1,000.

Pezani ndalama

Mukalandira ngongoleyi, onetsetsani kuti mukungopeza ndalama zomwe mukufuna. Ndi mitengo ndi malingaliro a ngongole, izi zikuyenera kukuthandizani pakadali pano. Simukufuna kulipira ngongoleyi mzaka zochepa. Ganizirani ndendende zomwe mukufuna, kenako ndikuwonanso ndalama zanu. Kodi pali njira yochepetsera kuchuluka kapena kuchedwetsa kugula mpaka tsiku lotsatira lotsatira? Ganizirani zomwe mukufuna.

Makampani Othandizira Ngongole

Ngati mwatsimikiza kuti mukufuna ndalama tsopano, yesani kuzitenga ku kampani yotchuka. Osayankha pazotsatsa zomwe mumawona pa intaneti. Ndikofunika kutenga nthawi yochulukirapo kuyesa kupeza zabwino pangongole iyi.

CarsDirect Financing

CarsDirect imathandizira makasitomala ambiri omwe ali ndi ngongole kuti apeze ngongole zamagalimoto kuposa tsamba lina lililonse mdziko muno. Kampaniyo imagwira ntchito ndi gulu laogulitsa omwe amakhazikika pakubweza ngongole yamagalimoto. Wogulitsayo ali ndi mwayi wopeza mabungwe azachuma angapo ndipo amagulitsako malonda kuti apeze malonda abwino. Ingolembani a ntchito mudzakhala mukupita kukalandira ngongole yagalimoto.

Ubwino wa ngongole yamagalimoto

• Ndalama zosavuta. Phindu lalikulu pamalipiro agalimoto, kapena ngongole yamagalimoto, ndikuti mutha kupeza ndalama mwachangu. Iyi ndiyo nthawi yofulumira kwambiri yobwereketsa ngongole. Nthawi zambiri, mutha kukhala ndi ndalama zanu masiku angapo mutagwirizana. Izi ndichifukwa choti njira yobwereketsa ndalama pagalimoto ndiyosavuta. Wobwereketsa amangoyesa kuyesa galimoto yanu ndikukuwuzani kuchuluka kwa zomwe angakupatseni. Ngati mulola, ndi zomwezo. Mudzakhala ndi ndalama zanu patsiku limodzi kapena awiri kuchokera kumadera ambiri.
• Kuvomerezeka kosavuta. Aliyense amene ali ndi galimoto akuyenera kulandira ngongole yagalimoto. Galimoto yanu imagwiritsidwa ntchito ngati chikole cha ngongole. Mofanana ndi kubwereka kunyumba kwanu, mumabwereka ndalama kuchokera pamtengo wagalimoto yanu. Obwereketsa amakulolani kubwereka mpaka 50% yamtengo. Izi ndikuti athe kubweza ndalama zawo mukapanda kubweza ngongoleyo.
• Palibe ngongole yofunikira. Gawo lina lalikulu la ngongole zamagalimoto ndikuti ngongole yanu ilibe kanthu. Popeza mukupanga mgwirizano wa pawn, akutsimikiziridwa ngati simukutero. Aliyense atha kutenga ngongole yagalimoto motere, chifukwa mbiri yanu yangongole sichingakhudze mwayi wanu wopeza ngongole yomwe mukufuna.

Zoyipa zazobweza pamtengo wagalimoto

• Mutha kutaya galimoto yanu. Ngati simutero, pali mwayi weniweni kuti galimoto yanu idzatengedwa ngati malipiro. Ngakhale mutachedwa tsiku lina, atha kutenga galimoto yanu. Izi zikachitika, simudzawonanso galimoto ija. Monga ngongole iliyonse yomwe ili ndi chikole, mumakhala pachiwopsezo chotaya katunduyo.
• Chiwongola dzanja chachikulu. Mitengo ya chiwongola dzanja cha ngongole yamagalimoto, kapena ngongole yamagalimoto, ndi zakuthambo. Amatha kunena kuti ndi 20 kapena 25% yokha, yomwe panthawi yomwe mukufuna ndalama mwachangu, mutha kukhala okonzeka kulipira. Komabe, ngongole zambiri zamagalimoto ndalama ndi ngongole za mwezi umodzi, ndichoncho. Izi zikutanthauza kuti mukuyang'ana ofanana ndi 300% pachaka (APR), zomwe ndizopusa. Ingoganizirani kusaina kirediti kadi ndi 300% APR. Palibe njira yomwe inu mungachitire izo. Mayiko ena ali, kapena akuyesera kuti apereke, malamulo omwe amaletsa anthu obwereketsa ndalama kukhala ndi ma zana ma APR. Makampani ena ali ndi malire, koma ngongole zamagalimoto ndalama zimapewa malamulo apano. Obwereketsa akuyenera kukuwuzani chiwongola dzanja cha APR, chomwe ndi chiwongola dzanja chapachaka. Kumbukirani, ngati ndi chindapusa pamwezi,
• Kubweza ngongole. Monga tanenera kale, nthawi zambiri ndimakhala ngongole zamwezi umodzi. Poganizira kuti anthu ambiri omwe amalandila ngongolezi ali ndi mbiri yoyipa, ndizotheka kuti sangabwerenso mwachangu. Izi zimayambitsa chomwe chimatchedwa nthawi yatsopano. Chiwongola dzanja chikukwera panthawiyi. Izi zimasandulika kukhala zenizeni kapena zotheka kukhala m'galimoto yanu. Ngati mukuganiza za ngongoleyi, onetsetsani kuti mutha kubweza ngongole munthawi yololedwa. Mukasayina mayina awo, mumawapatsa dzina lanu ndipo nthawi zambiri mumakhala ndi mafungulo anu. Ngati simulipira, ali ndi ufulu wonse wolanda galimoto yanu. Nthawi zina, obwereketsa adayika ma GPS ndikuzimitsa kutali magalimoto a iwo omwe sanalipire munthawi yake.
• Zowonjezera. Pali zolipira zambiri zakutsogolo, monga ndalama zolipirira ndi zolipiritsa, zomwe zimawonjezera. Zina ndi zolipiritsa, mosatengera kuchuluka kwa ngongole yanu. Ngati mukungobwereka pang'ono, mungafunikire kulipira mazana patsogolo.
• Kubera. Chinyengo chobwereketsa ndalama pagalimoto ndikuti mutha kupeza ndalama mwachangu kwambiri. Komabe, mukangopeza, muyenera kuyibweza. Muyenera kupenda zoopsa musanatenge nawo gawo. Konzani patsogolo kuti muwonetsetse kuti muli ndi ndalama kuti mubwezeretse, apo ayi mutha kukumana ndi zovuta zina.

Njira zina kubweza ngongole

Onani njira zina musanatenge ngongole yangongole. Zosankha pansipa sizingakhale zosangalatsa, koma zitha kukhala zabwino kuposa kupeza ndalama zapa mutu wanu.³

• Ngongole yaumwini itha kukhala njira yabwino kwambiri ngati mungafune ngongole. Simusowa kulonjeza chitsimikizo ndipo mutha kupeza ndalama zochepa. Funsani ku banki yanu kapena kubungwe lanu la ngongole za ngongole zokhala ndi ngongole yayitali.
• Makhadi a ngongole Nthawi zambiri si njira yanzeru yobwerekera, koma ndi ngongole zosatetezedwa zomwe sizili pachiwopsezo chobweza.
• Zowonjezera ndalama Angakuthandizeninso kuthana ndi zovuta. Ngati mutha kugwira ntchito ina, ngakhale kwakanthawi, mwayi upeza. Ntchito yowonjezerayi mwina singakhale yosangalatsa komanso yosatheka, koma ndiyofunika kuifufuza.
• Kuchepetsa ndalama Ndizosavuta kuzichita kuposa kuzichita, koma ngati kudzipereka kwakanthawi kukuthandizani kuti musatayike, mwina ndi njira yabwinoko.
• Tsitsani gulu la galimoto yanu ngati muli ndi galimoto yokwera mtengo kuposa momwe mukufunira. Mutha kupanga ndalama pogulitsa galimotoyo, kugula zina zotsika mtengo, ndikusunga kusiyana kwake.

Ngati mukuyenera kugwiritsa ntchito ngongole yangongole kuti mupeze ndalama, konzekerani momwe mudzabwezerere musanatenge ngongoleyo kuti pasadzakhale mwayi. Kuchotsa ngongoleyo kuyenera kukhala cholinga chanu chachikulu chachuma.

Zolemba pazolemba

1. Zambiri Zamakasitomala ku Federal Trade Commission. Ngongole zamagalimoto . Kufikira komaliza: Disembala 17, 2019.
2. Federal Navy Mawu A Union. Ngongole Zamagalimoto: Zomwe Muyenera Kudziwa . Kufikira komaliza: Disembala 17, 2019.
3. Ogulitsa.gov. Ngongole Zamagalimoto: Zomwe Muyenera Kudziwa , idapezeka pa Disembala 17, 2019.
4. Consumer Financial Protection Office. Ngongole imodzi yolipirira galimoto . Kufikira komaliza: Disembala 17, 2019.
5. Consumer Financial Protection Office. Galimoto yanga yalandidwa ndipo anandiuza kuti idzagulitsidwa , idapezeka pa Disembala 17, 2019.

Zamkatimu

• Ngongole zamagalimoto
• Momwe Magulu Oyimira Magalimoto Amagwirira Ntchito
• Kufufuza
• Chiwongola dzanja
• Mtengo
• Zowopsa
• Kodi udindo wamagalimoto umakhudzidwa bwanji?
• Yang'anirani zachinyengo
• Pezani upangiri pamalipiro agalimoto
• Pezani ndalama
• Makampani Othandizira Ngongole
• Ubwino wa ngongole yamagalimoto
• Zoyipa zazobweza pamtengo wagalimoto
• Njira zina kubweza ngongole

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