Ungatenga sei mota kana usina humbowo hwemari

Paunonyorera chikwereti chemotokari, vazhinji vanokweretesa vanoda humbowo hwemari. Kana usingakwanise kupa humbowo uhu nekuti haushande kana kuti unozvishandira, sarudzo dzako dzine zvishoma. Nekudaro, zvinogoneka…

Paunonyorera chikwereti chemotokari, vazhinji vanokweretesa vanoda humbowo hwemari. Kana usingakwanise kupa humbowo uhu nekuti haushande kana kuzvishandira, sarudzo dzako dzine zvishoma. Zvisinei, iwe unogona kutenga motokari kunyange iwe usina humbowo hwemari kana iwe ukatevera mamwe matanho chaiwo.

Nzira 1 ye5: Kubhadhara mari

Pakati pezvisarudzo zviripo zvekutenga motokari pasina humbowo hwemari, kubhadhara mumari ndiyo iri nyore. Panzvimbo pekutsvaga mukweretesi anoda kubhadhara uye wozopa chero dhipoziti kana imwe nzira yekugonesa mukweretesi kuti unokwanisa kubhadhara, unongotenga mota ipapo ipapo. Hongu, iwe uchiri kusaina mapepa ese anodiwa uye kubhadhara mutero pamotokari, asi kazhinji, kana wangobhadhara mota, ndeyako.

Danho 1: Chengetedza mari. Chikamu chikuru chekubhadhara nemari kuchengetedza mari kwayo. Nzira iri nyore yekuchengetedza mari ndeyokuisa mari yakarongwa kutenga motokari muakaundi yekuchengetedza.

Danho 2: Enda kune mutengesi. Kana wava nemari yakakwana, enda kunotengesa motokari kana kumunhu wakazvimirira wokumbira kutenga motokari.

Iva nechokwadi chekuzadzisa mamwe matanho anodiwa paunenge uchitenga motokari, kusanganisira kuongorora nhoroondo yemotokari, kutora motokari kuti iedzwe, uye kuita kuti iongororwe namakanika.

Danho rechitanhatu: Nyora cheki. Kana zvinhu zvose zvagutsikana, nyora cheki kumutengesi kana kuti munhu kuti abhadhare mutengo wakakwana wemotokari.

Ipapo iwe unofanirwa kusaina magwaro ese anodiwa uye kuendesa muridzi wemota kuzita rako.

Nzira 2 ye5: Tarisa chikwereti pasina humbowo hwemari

Vazhinji vanokweretesa varipo kuti vawane mari yekutenga mota yako, kusanganisira avo vari kunze kweguta rako kana dunhu. Iwe unogona kuwana vakawanda vanokweretesa pamhepo, vachikupa iwe mamwe emari sarudzo.

Nhanho 1: Tsvaga zvikwereti zvemotokari online. Tarisa kune vane mbiri vanokweretesa vane yakanaka Better Business Bureau rating.

Danho rechipiri: Ongorora Mhando Dzakasiyana dzezvikwereti. Tarisa zvakasiyana zvigadzirwa zvechikwereti pamasaiti seAutoLoans kuti uone kuti ndeapi ari kuchinjika uye asingade humbowo hwemari. Vanowanzo kunzi "zvikwereti pasina humbowo hwemari."

Nhanho 3: Nyorera online. Nyorera uchishandisa chero maturusi epamhepo anopihwa nemukweretesi. Mamwe emagwaro anodiwa nevanokweretesa pachinzvimbo cheumbowo hwemari anosanganisira:

• Makopi emitero yemitero kwemakore maviri apfuura
• Rezinesi rekutyaira rinoshanda
• Nhamba yako yekuchengetedzwa kwevanhu
• uchapupu hweinishuwarenzi
• Ikopi yetatimendi yebhangi yazvino kubva kuakaundi yazvino.

Nzira 3 ye5: Chengetedza mari yekubhadhara yakakura

Vanokweretesa vane mamwe mazwi anochinjika kazhinji vanoda kuti iwe uwane mubhadharo wakakura. Izvi zvinoderedza njodzi yavo yekuti hauzokwanisi kubhadhara chikwereti. Pamusoro pekushandisa kutengeserana-mukati, unogona kupa mari sekubhadhara pasi.

Danho 1: Bhadhara zvakanyanya nemari. Ipa chikamu chepamusoro chekubhadhara pasi mumari, senge 10% kana 20%. Izvi zvinopa mukweretesi mari yakawanda yavanoisa pamberi pechikwereti, uye zvinoreva kuti unofanira kubhadhara zvishoma, zvichiita kuti zvive nyore kuti iwe uchadaro.

Nhanho yechipiri: Tarisa mutengo weti pazasi $2.. Tarisa motokari yakachipa kana kunyange yakashandiswa motokari isingasviki $10,000.

Kuti uite izvi, unogona kushanyira mawebhusaiti mazhinji ekutengesa mota paInternet, kana masosi senge cars.com kana auto.com.

Pakusarudza rudzi rwemotokari yauri kutsvaga, sarudza mutengo wepamusoro we $ 10,000. Iyi setup inogona kushanda nemazvo nekuti iwe unofanirwa kubhadhara zvishoma, zvichiita kuti zvisaite mukana wekuti iwe uchatadza pachikwereti chako.

Danho rechitatu: Bvuma mubereko wepamusoro. Gadzirira kubvuma mubereko wepamusoro kana nguva pfupi yechikwereti.

• CherechedzaA: Chikwereti chine mubereko wepamusoro chinoreva kudzoka kukuru pakudyara kune mukweretesi wechikwereti.

Chikwereti chenguva pfupi zvinoreva kuti unofanirwa kuchibhadhara nekukurumidza.

Nzira 4 ye5: kushandisa chibatiso

Vazhinji vanokweretesa vanokumbira mari yekubhadhara kuratidza mari yako. Mumamiriro ezvinhu akadaro, unogona kupa dhipoziti nenzira yezvinhu zvakakosha pedyo kana kupfuura kukosha kwemotokari yaunoda kutenga.

Danho 1: Gadzirira dhipoziti yako. Kuti ushandise chibatiso, unofanira kutanga waratidza muridzi wezvimwe zvinhu zvaunogona kushandisa sechibatiso. Zvinhu zvaunogona kushandisa sechibatiso zvinosanganisira:

• Mazita emota
• Real estate transactions
• Zvinyorwa zveCash account
• Receipt dzemichina nemidziyo
• Investment report
• Inishuwarenzi mitemo
• Zvinokosha uye zvinounganidzwa

• Chero mari yeramangwana kubva kune vatengi vako kana uine bhizinesi

• MabasaA: Kana usina basa asi uchikwanisa kubhadhara chikwereti nedzimwe nzira, dzakadai semari yeaamony kana yekuremara, unofanirawo kuongorora magwaro aya. Zvinowanzobatsira kuva nemwedzi yakati wandei yekubhadhara motokari kubhangi kana kuti savings account ine mari yakawanda.

Kana ukaronga kushandisa chidimbu cheimba kana imwe motokari sechibatiso, mukweretesi achatora chibvumirano. Izvi zvinopa mukweretesi kodzero yekuchengeta pfuma yako kana ukatadza kubhadhara chikwereti.

• KudziviriraA: Ramba uchifunga kuti, pasi pemutemo wemubatanidzwa, une mazuva anosvika matatu ekukanzura chikwereti pasina chirango. Pakukanzura chikwereti, yeuka kuti mazuva ebhizinesi anosanganisira Mugovera, kwete maSvondo kana mazororo.

Nzira 5 ye5: Tsvaga muchengeti

Chivimbiso ndeimwe nzira yekuwana chikwereti pasina humbowo hwemari. Asi iva nechokwadi chekubhadhara chikwereti chipi zvacho chaunenge uine guarantor, kana kuti ivo vachava nemhosva yezvaunokwereta pachikwereti.

Danho 1: Tsvaga anovimbisa ane mutoro. Kumbira nhengo yemhuri kuti isaine chikwereti chemotokari newe. Ita shuwa kuti vane humbowo hwemari uye vanoda kuve maguarantors. A guarantor munhu ane mutoro wechikwereti chako kana nekuda kwechimwe chikonzero iwe usingabhadhare.

Ita shuwa kuti mubatsiri wako anoziva nezvemabasa avo. Vamwe vane maguarantors vanogona kunge vasingazive kuti vanozosungirwa mari yawakwereta kana ukasabhadhara nenguva.

Danho 2: Tsvaga mukweretesi. Tsvaga mukweretesi anoda kugamuchira guarantor seye ega sosi yemari yechikwereti chako. Ramba uchifunga kuti mukweretesi achatarisa kukweretwa kweanovimbisa, saka tsvaga munhu ane kiredhiti yakanaka kuti akusayine.

Kutsvaga mukweretesi anokupa chikwereti chemotokari kana usina humbowo hwemari inoita sezvisingabviri, asi rombo rakanaka une sarudzo shoma dzaungadzore. Idzi nzira dzekudzokera shure dzinosanganisira kutsvaga muchengeti, kushandisa chibatiso, kubhadhara mubhadharo wepamusoro, kana kubhadhara motokari mberi. Ingorangarira kutarisa mota usati watenga.