Nzira yekubvisa sei chikwereti chemotokari

Paunotenga mota, asi iwe usina mari yemutengo wakakwana wekutenga, unogona kutora chikwereti kuburikidza nebhangi kana mukweretesi. Iwe unobhadhara mari yakafanira maererano nechibvumirano chekutengesa chakabvumiranwa. Chibvumirano chechikwereti chine...

Paunotenga mota, asi iwe usina mari yemutengo wakakwana wekutenga, unogona kutora chikwereti kuburikidza nebhangi kana mukweretesi. Iwe unobhadhara mari yakafanira maererano nechibvumirano chekutengesa chakabvumiranwa.

Chibvumirano chechikwereti chine akawanda mamiriro ekutengesa, anosanganisira:

• Nguva yechikwereti
• Nhamba yekubhadhara kwako
• Kubhadhara purogiramu (vhiki nevhiki, biweekly kana pamwedzi)

Pane mamiriro akati wandei angamuka kana iwe ungada kubhadhara chikwereti chemota yako kana kuti mumwe munhu atore mubhadharo wemotokari yako. Mamiriro aya anosanganisira:

• Iwe hauchakwanisi kubhadhara motokari
• Shuwa imwe mota
• Kufamba kuenda kwausingade mota
• Kusakwanisa kutyaira nekuda kwezvikonzero zvekurapa

Chero chikonzero chaunoda kubvisa kubhadhara chikwereti chemotokari yako, kune nzira dzakawanda dzekutarisana nemamiriro acho ezvinhu.

Nzira 1 ye3: kubhadhara chikwereti

Izvi zvingaite senge mhinduro yakapusa, asi vanhu vazhinji vane chikwereti havazive zvakawanda zveruzivo. Kutenga motokari kunotyisa, uye zvinokwanisika zvachose kuti zvinyorwa zvikanganwike kana kuti zvisanyatsotsanangurwa mukunakidzwa kwekutenga motokari.

Danho 1. Bata mukweretesi wako. Sarudza kuti imarii yauchiri kukwereta pachikwereti chemotokari yako.

Zvikwereti zvizhinji zvemotokari zvikwereti zvakavhurika uye zvinogona kubhadharwa chero nguva.

Kana uine mari yekubhadhara motokari yako, ingave bhonasi yebasa kana kuti nhaka, unogona kazhinji kutaura nemukweretesi wako uye kuronga kuti chikamu chechikwereti chibhadharwe zvizere.

Danho rechipiri: Bhadhara chikwereti. Paunenge uine mari yakagadzirira, ita musangano nemukweretesi uye bhadhara motokari.

Kubhadhara kwekutanga kwechikwereti chemotokari kunobvumira iwe kuchengetedza mubereko pamari yakabhadharwa. Inosunungurawo mari yako, iyo inobatsira kana uri kukumbira chikwereti.

Chikwereti chako-ku-sevhisi chikamu chakaderedzwa zvakanyanya, zvichiita kuti utaridzike zvirinani mumeso eanokweretesa.

Nzira 2 ye3: tsvaga mutengi

Zvikwereti zvemotokari zvinoenderana nechikwereti chemutengi uye kugona kwavo kubhadhara chikwereti. Vanokweretesa havazoendesa chikwereti chemotokari kune mumwe munhu vasina kuona kukodzera kwavo kuwana mari.

Iyo bhangi inoda:

• Simbisa kuti mutengi ndiani
• Ita cheki yechikwereti
• Simbisa mari yemutengi
• Pedzisa chibvumirano chechikwereti nemutengi
• Bvisa kusungwa kubva pazita remota yako.

Zvaunofanira kuita ndezvi:

Danho 1: Sarudza yako yakasarudzika yechikwereti chemotokari chiyero. Fonera mukweretesi wako uye ubvunze iyo yazvino mari yekubhadhara chikwereti. Iyi ndiyo mari yasara yauchiri kuda kubhadhara.

• MabasaA: Kana uine chikwereti chinopfuura chaunotarisira kubva pakutengesa motokari, unogona kuwedzera mari kubva kubhangi rako rebhangi mushure mekutengesa motokari kuti ubhadhare chikwereti zvizere. Chikwereti chechikwereti chemotokari chikuru kudarika kukosha kwemotokari yako inonzi "negative equity."

Mufananidzo: Craigslist

Danho rechina: Shambadzira mota yako iri kutengeswa. Iwe unozofanirwa kuisa mota yako kutengeswa nekutumira ads akanangana nevanongoda kutenga.

• MabasaA: Unogona kushandisa mawebhusaiti paInternet seCraigslist, AutoTrader, kudhinda ads muchikamu checlassifieds chebepanhau rekwaunogara, kana kudhinda mapepa emaposta pamabhodhi ezviziviso munharaunda.

Danho rechitatu: Kurukura mutengo wekutenga nemunhu angangotenga. Rangarira kuti iwe unofanirwa kugamuchira imwe mari kuti ubhadhare chikwereti.

Nhanho yechitanhatu: Zadzisa bhiri rekutengesa. Zadzisa bhiri rekutengesa nemutengi wemutengo wakabvumiranwa wekutengesa.

• CherechedzaA: Ita shuwa kuti bhiri rekutengesa rine ruzivo rwemapato ese ari maviri, tsananguro yemotokari, uye nhamba yeVIN yemotokari.

Danho 5. Bata mukweretesi wako. Ita kuti vazive kuti uri kutengesa motokari yako uye unoda kuita gadziriro dzokubvisa mari pamotokari yako.

Zvisungo ikodzero dzemotokari yemukweretesi apo mari yechikwereti ichiri kuitwa.

Mushandi wechikwereti anozoongorora zvese zvekutengesa uye kusunungura chibvumirano kana bhiri rekutengesa ragadzirwa.

Nhanho yechitanhatu: Gamuchira mubhadharo wakakwana kubva kumutengi. Kana mutengi achizobhadhara mota yako, anozofanira kuwana mari kubva kukiredhiti institution.

Kana vangowana chikwereti, vanozodikanwa kukubhadharira chikwereti ichocho.

Kubhadhara kwavo mota kunogona kunge kwakasiyana kwazvo nekubhadhara kwako zvichienderana nezvakawanda maitiro, kusanganisira:

• Shoko ravasarudza
• Mari yechibereko yavakagamuchira kubva kumukweretesi wavo
• Mari yekubhadhara kwavo

Nhanho yechinomwe: bhadhara chikwereti. Uya nemubhadharo wakakwana wechikwereti kumukweretesi wako, uyo anozokanzura chikwereti kana chabhadharwa zvizere.

Mushure mekubhadhara kwakazara kwechikwereti, iwe hauchazodi kubhadhara mota!

Nzira 3 ye3: Kutengeserana mumotokari yako

Kana uine mari yakakwana mumotokari yako, unogona kuitengesera nemota yemutengo wakaderera wobva waenda usina kubhadhara.

Danho 1: Sarudza huwandu hwekutenga kwemotokari yako. Bata mukweretesi wako uye wokumbira huwandu hwerudzikinuro pamwe chete nemari yekudzorera.

Mufananidzo: Blue Book Kelly

Nhanho yechipiri: Tsvaga iyo yekutengesa-in kukosha kwemotokari yako. Tarisa mutengo unofungidzirwa wekurenda wemota yako pane Kelley Blue Book webhusaiti.

Pinda nenzira kwayo ruzivo rwemotokari yako nemaparamita akakwana uye mileage chaiyo. Iyo webhusaiti ichaita fungidziro zvichienderana nemuenzaniso, gore, mileage uye mamiriro emotokari.

Dhinda maresults woenda nawo kana waenda kunodhiraivha.

Danho 3. Taura nemutengesi kana maneja. Iva akajeka nezvechinangwa chako chekurenda mota yako kune mutengesi uye kuwana mota pasina chikwereti.

Nhanho 4: Ita kuti mota yako iongororwe nemaneja wekutengesa. Paunounza motokari yako kune mutengesi kwaunoda kutengesa motokari yako, mutengesi wekutengesa anofungidzira kukosha kwemotokari yako.

• MabasaA: Panguva ino, unofanira kuedza kutaurirana mutengo wakanakisisa wemotokari yako. Unofanira kushandisa Kelley blue book printout yako kuti utsigire chinzvimbo chako pakukosha kwemota.

Musiyano uripo pakati pekukosheswa kwemota yako uye iyo yakazara chikwereti chekubhadhara imari yaunofanira kushandisa pane imwe mota.

Semuenzaniso, kana mubhadharo wako wechikwereti uri $5,000 uye mota yako ichikosha $14,000, unogona kutsvaga mota inokosha $9,000 kusanganisira mitero nemari.

Danho rechitatu: Sarudza motokari. Sarudza motokari yaungada kuchinjanisa.

Sarudzo dzako dzinogona kunge dzakaganhurirwa uye ungangofanira kusarudza mota ine makore mashoma ekure kana ine mamwe maira.

Danho rechitatu: Zadza mapepa. Pedzisa mapepa nemutengesi kuti uite kutengesa kwemotokari yako zviri pamutemo.

Muchibvumirano chako chekutenga, mutengesi achabhadhara chikwereti chako uye kutora motokari yako kutengeswa, uye iwe uchagamuchira motokari yako itsva pasina chikwereti.

Nekutevera chero nzira dziri pamusoro apa, uchakwanisa kubvisa mutoro wekuwedzera kubhadhara pachikwereti chemota yako. Kana iwe uchida kuve nechokwadi chekuti mota yako ine kukosha kwepamusoro panguva yekutengesa kana kuchinjana, unogona kuita kuti mota yako iongororwe neakasimbiswa AvtoTachki makanika. Vanogona kuuya kunzvimbo yako kuti vave nechokwadi chekuti kuchengetedza kwese pamotokari yako kwapera uye kuti motokari inofamba zvakanaka kumuridzi wayo mutsva kana ichitengeswa kana kutengeswa.