Nzira yekuhaya mota kana uine chikwereti chakashata

Kurenda mota nyowani kwakaoma zvakakwana pasina mamwe matambudziko enhoroondo yakaipa yechikwereti. Chikwereti chakashata chibodzwa chinogona kuita kuti kurenda mota itsva kuve dambudziko.

Kunyange zvazvo mutengesi angave ane mupendero nekuda kwekushomeka-kupfuura-nyeredzi rating, zvakakosha kuyeuka kuti une sarudzo. Chiitiko chekurenda mota chinozonyanya kunetsa nekuda kwekiredhiti yako mamakisi, asi hazvifanirwe kunge zvisingaite kana kusafadza.

Kuita basa rechikoro diki pachine nguva kunogona kuita kuti hurongwa huve nyore uye kuwedzera zvakanyanya mikana yako yekutora chibvumirano chinofadza iwe nemutengesi.

Ngatitarisei nzira shoma dzekuita kuti mota yako yekurota kuve yechokwadi, zvisinei nechikwereti chako.

Chikamu 1 che4: Ziva zvauri kutarisana nazvo

Iwe unoda kuenda kune mutengesi uchiziva. Kuziva chikwereti chako chekwereti nenzira kwayo kuchakuchengetedza iwe zvinoshamisa kana iwe uchirova pasi pemutengesi. Hezvino izvo zvaunoda kuziva nezveFICO zvikoro:

Mushumo wechikwereti wemaharaA: Wese munhu anokodzera kuwana rekodhi rechikwereti remahara kubva kune imwe yematatu kiredhiti bureau gore rega rega. Bata Experian, Equifax kana TransUnion kuti uwane kopi yemushumo wako. Iwe unogona zvakare kuwana kopi kubva kune AnnualCreditReport webhusaiti.

Chii chirimoA: Chibodzwa chechikwereti kana FICO mamakisi ingori chiyero chekwereti yako. Zvese zvazvino uye zvakapfuura kiredhiti zvibodzwa zvichatsanangurwa mushumo. Izvi zvinosanganisira maakaundi emakadhi ekiredhiti, zvikwereti, uye chero zvikwereti kana marendi. Ichacherechedzawo chero kunonoka kana kupotsa kubhadhara, kubhuroka, uye kutorwa kwemidziyo.

• Chibodzwa chako chinoverengerwa uchishandisa proprietary algorithm, saka inogona kusiyana zvishoma zvichienderana nekiredhiti bureau. Funga kutora mishumo kubva kune ese matatu masangano kuti ave nechokwadi chekuti vese vane data rakafanana. Ongorora kiredhiti yako nekungwarira, uye kana ukawana chero zvikanganiso, taura nebazi rekuzivisa nekukurumidza kuti zvigadziriswe.

FICO chikwereti chikamu
Akaunti	Rating
760 - 850	Прекрасно
700 - 759	Ita kuti uite
723	Avhareji yeFICO mamakisi
660 - 699	Zvakanaka
687	Avhareji yeFICO mamakisi
620 - 659	Hazvina kunaka
580 - 619	Hazvina kunaka
500 - 579	Zvakaipa kwazvo

ZvinoreveiA: Zvikwereti zvekwereti zvinobva pa500 kusvika ku850. Avhareji yenhamba yevatengi veUS ndeye 720. Zvibodzwa zviri pamusoro pe680-700 zvinoonekwa se "prime" uye zvinotungamira kune iri nani mhindu. Kana chibodzwa chako chikawira pasi pe660, chinozonzi "sub-prime", zvinoreva kuti iwe uchabhadhara yakakwira yekurenda mota. Kana account yako yadonha pasi pe500, zvichanetsa kuwana chero mhando yekurenda.

Chikwereti chako chete ndicho chakakosha: Vatengesi vemotokari havasi kuzotarisa chirevo chako chechikwereti; vanongodhonza account yako.

Chikamu 2 che4: Mabatiro anoita chikwereti pakurenda mota

Chikwereti chakaderera chinokanganisa chiitiko chekurenda mota nenzira dzakasiyana. Hedzino nzira shoma dzeyako substandard mamaki anogona kuita kuti zvinhu zvinyanye kuoma:

Mhedzisiro 1: Yakakwira pasi kubhadhara / dhipoziti. Sezvo iwe uchionekwa seine njodzi, kambani yezvemari inoda kuti iwe uve nematehwe akawanda mumutambo. Iva wakagadzirira kubhadhara zvakanyanya kudarika kubhadhara kune vatengi vane "prime" chikwereti chekwereti. Vakawanda vanokweretesa vanokumbira zvishoma 10% kana $ 1,000, chero ipi zvayo yakakwirira.

Mhedzisiro yechipiri: mubereko wepamusoro. Mari yemubereko yakanakisa yakachengeterwa vatengi vane zvikwereti zviri nani, saka vatengi ve "subprime" vanobhadhara mwero wepamusoro. Mubairo wechikwereti uchasiyana zvichienderana nemukweretesi, uye apa ndipo pakutenga mari yako kunogona kuita mutsauko mukuru.

Ona zvinhu sezvazviri. Chikwereti chakaderera chibodzwa chinogona kukanganisa huwandu hwemota dzaunogona kuhaya. Iva nechokwadi kana uchitenga mota uye ita shuwa kuti imotokari inokwanisika. Kutadza kubhadhara kunongowedzera mamiriro ako echikwereti.

Mota yawakatenderwa kukwereta inogona kunge isiri rwendo rwezviroto zvako, asi kana chikwereti chako chagadziriswa, unogona kutenga mota nyowani kana kuitsinhanisa nemari yakaderera.

Chikamu 3 che4: Tsvaga Mari, Wobva watsvaga Mota

Chokwadi ndechekuti kuwana mari inokwanisika kungangove kwakaoma pane kuronda kukwira kwakakodzera. Funga nezvese zvingasarudzwa paunenge uchitsvaga mari.

Danho 1: FonaA: Nepo vatengesi vazhinji vachaedza kukuhwina iwe, vazhinji vanove vakatendeseka kwauri nezvemikana yako yekubvumidzwa.

Kuti uwane pfungwa yekuti mamiriro ako akaipa sei, fonera vatengesi vakati wandei, tsanangura mamiriro ako ezvinhu, vaudze huwandu hwemitengo hunoenderana newe, uye ingovabvunza kuti ndeipi mikana yako yekubvumidzwa.

Danho rechipiri: Tora mapepa ako akarongeka: Chibodzwa chako chechikwereti chinosimudza zvimwe zvinokunetsa, saka tora akawanda zvinyorwa newe se backup:

• Mamwe emagwaro aunoda kuunza kuratidza mari anosanganisira muripo wemari, Fomu W-2, kana Fomu 1099.

• Huya nemasitetimendi ekubhengi, mabhiri ekushandisa, zvibvumirano zvekurenda, kana statement remba seumboo hwekugara. Kurebesa kwaunogara pakero yako yazvino, zviri nani.

Nhanho 3: Tenga kune DealershipsA: Makambani emari anoongorora njodzi zvakasiyana, saka chinangwa chako ndechekutsvaga kambani yezvemari inokodzera yako chaiyo njodzi.

Vatengesi vanowanzoshanda nevakweretesi ve "sub-prime" vanoda kupa mari yekurenda kune vatengi vane kiredhiti yakaipa.

• Mabasa: Paunotenga kuzvitoro, huya nerepoti yako yechikwereti. Pese apo mutengesi anokutora kubva pachikwereti, anoita kuti zvibodzwa zvako zviwedzere zvishoma. Nehurombo, idzi nhare dzinogona kukonzera kukuvadza kwakakomba kana ukarova nhamba huru yevatengesi. Ingobvumira mutengesi kuti akubvise kunze kwechikwereti kana iwe uri serious nezvedhiri.

Nhanho 4. Shandisa dhipatimendi reInternet rekutengesa.A: Unogona zvakare kutenga online kune mutengesi.

Uchishandisa saiti senge Edmunds.com, unogona kutumira zvikumbiro zvekotesheni kubva kumamaneja epamhepo kune akasiyana vatengesi vemunharaunda panguva imwe chete.

Mushure mekugamuchira mutengo wekupa, tumira email nechikumbiro chekupa yekurejesa.

Izvi zvinoita kuti zvive nyore kuenzanisa mitengo yekurenda kune vatengesi vakasiyana.

Danho 5: GadziriraA: Pasinei nechikwereti chako, inguva yakanaka kugadzirira kuhaya mota.

Tsvagurudza mota yauri kufarira uye ongorora zvinorehwa neKelley Blue Book kuti uzive mutengo wekubhadhara.

• Mabasa: Usati wavhara chibvumirano pamotokari yakashandiswa, zvakakosha kuwana makanika akavimbika kuti aiongorore kuitira kuti pasave nemashura mushure mekusiya mijenya. Kana iwe uine chero kusahadzika nezve mamiriro emota kana dhiri, ramba uchitarisa.

Danho 6: Wana Mari: Vatengesi vemotokari uye vadyidzani vavo vemari handizvo zvega zvinopa zvikwereti zvemotokari.

Izvi ndezvechokwadi kunyanya kune vanoroja mota vane zvibodzwa zvisina kunaka zvechikwereti. Vanokweretesa vanonyanya kuita zvikwereti zve "subprime" vanogona kunge iri mhinduro inodhura. Tenga chikwereti chako nevakweretesi ava kuti uone zviripo kwauri.

• MabasaA: Rangarira kuti pane dzimwe sarudzo. Mutengesi wemotokari anoshandisa nhoroondo yako yechikwereti kuti akuitire zvakaipa haasi munhu waunoda kuita bhizinesi naye. Usambofa wakabvuma kupihwa kwausiri kufara nako kana kusakwanisa kutenga.

Chikamu 4 che4. Funga nezvedzimwe nzira

Kana iwe usingakwanise kuwana dhiri rine musoro wemari, ungangoda kufunga nezve dzimwe sarudzo. Kungave kuhaya mota, kutenga mota kubva kushamwari kana nhengo yemhuri, kana kutora zvifambiso zvevoruzhinji kwenguva yakati rebei, kufunga kunze kwebhokisi kunogona kudiwa.

Sarudzo yekutanga: tsvaga anovimbisaA: Iyi inogona kuve yakaoma sarudzo.

A guarantor munhu ane kiredhiti chibodzwa uye anoda kusaina chikwereti chako. Mubatsiri anogona kuva shamwari kana nhengo yemhuri.

Ramba uchifunga kuti izvi zvichavaisa pahoko yekubhadhara kana iwe ukasazviita. Nekudaro, ichi hachisi chibvumirano chinofanira kupindwa zvishoma nechero bato.

Kuti uve mukweretesi wemota yairenda, unofanirwa:

• Chikwereti chibodzwa chinosvika 700 kana kupfuura.

• Humbowo hwekugona kwavo kutamba, kusanganisira mabhayiri ekubhadhara kana mavhocha ekubhadhara, kana mutero wekudzoka kune vanozvishandira-vanokwereta.

• Kugara kwakagadzikana uye ruzivo rwebasa. Kungofanana nemunhu anosaina chibvumirano, vanokweretesa vanosarudza ma guarantors akagara nekushanda munzvimbo imwe chete kwenguva yakareba.

Alternative 2: Fungidzira kurenda: Unogona kutora rendi iripo.

Izvi zvinodaidzwa kunzi kufambisa kwechibvumirano chekurenda kana fungidziro yekurenda.

Chaizvoizvo, uri kutora mari yekurenda kune mumwe munhu anoda kubuda mumotokari yekurenda.

Kunyangwe chikwereti chako chichizotariswa, izvo zvinodiwa hazvina kuomarara sechikwereti chemotokari kana chibvumirano chitsva. Shanyira Swapalease.com kuti uzive nezve rendi dziripo munharaunda yako.

Imwe nzira 3: Vandudza Chikwereti Chako Chibodzwa: Chokwadi ndechekuti kunatsiridza zvibodzwa zvako zvechikwereti hakusi kukurumidza uye kuri nyore maitiro, asi zvinogona kuitwa.

Kubhadhara mabhiri ako nenguva kunofanirwa kuve yako yekutanga pamberi.

Hedzino dzimwe nzira dzekuvandudza chinzvimbo chako:

• Bhadhara zvikwereti zvakakura zvekadhi rechikwereti. Musiyano uripo pakati pebhangi rako uye muganho wekadhi chinhu chakakosha pazvibodzwa zvako.

• Kuvhura account nyowani kadhi rechikwereti uye kubhadhara chikamu mwedzi wega wega. Izvi zvinoratidza kuti unogona kuve nehany'a nechikwereti uye nekuvandudza zvibodzwa zvako.

• MabasaA: Kana uine chikamu chakaderera chechikwereti, funga nezvekadhi rechikwereti rakachengetedzwa. Aya makadhi anoda rubatso, asi anogona kubatsira zvikuru mukugadzirisa chikwereti chakanganiswa zvakanyanya.

Kuhaya motokari ine chikwereti chakaipa kwakaoma, asi zvinogoneka. Zvinotora kutsvagisa, kutenga, uye moyo murefu kuti uwane dhiri rinoshanda iwe nebhajeti yako. Kana wangovhara dhiri uye warova mugwagwa, basa rose rinenge rakakodzera.