Nzira yekuziva mari yekubhadhara yemotokari

Paunotenga mota nyowani kana yakamboshandiswa, unowanzo kudiwa kubhadhara chikamu chemutengo wemota pamberi kana iwe uchibhadhara mari. Kunyangwe iwe ukasarudza mari ye-mumba kumutengesi kana kutsvaga mukweretesi wega,…

Paunotenga mota nyowani kana yakamboshandiswa, unowanzo kudiwa kubhadhara chikamu chemutengo wemota pamberi kana iwe uchibhadhara mari. Kunyangwe iwe ukasarudza kuita mari mumba kumutengesi kana kutsvaga mukweretesi wega, mubhadharo wepasi unowanzo kudiwa.

Chikamu chekutanga che1: Sarudza kuti uchabhadhara sei kutenga mota yako

Iwe une akati wandei sarudzo dzekuwana mari yekutenga mota nyowani kana yakashandiswa. Usati wanyorera mari, unozoda kuenzanisa mareti emubereko nematemu echikwereti.

Danho 1: Sarudza mukweretesi. Ongorora akasiyana masangano echikwereti aripo. Zvimwe zvacho zvinosanganisira:

• Bank kana credit union. Taura nemukweretesi kubhangi rako kana mubatanidzwa wechikwereti. Ziva kana uchikwanisa kuwana mareti akakosha senhengo. Neimwe nzira, unogona kutarisa mamwe mabhanga emuno uye masangano echikwereti kuti uone zvavanofanira kupa.

• Kambani yemari yepamhepo. Iwe unogona zvakare kuwana huwandu hwevakweretesi online kuti uwane mari yekutenga mota yako, seMyAutoLoan.com uye CarsDirect.com. Iva nechokwadi chekutarisa kuongororwa kwevatengi kuti uone kuti ndezvipi zvakasangana nevamwe nekambani.

• Mutengesi. Madhiri mazhinji anoshanda nemasangano emari emuno kubatsira vangangove vatengi kuchengetedza mari. Chenjerera mari yekuwedzera muchimiro chemubhadharo paunenge uchishandisa mari yemutengesi, sezvavanowedzera kumutengo wakazara wemotokari.

• MabasaA: Funga kuwana pre-mvumo yekubhadhara mari yemotokari usati watsvaga mota. Izvi zvinokuita kuti uzive kuti yakawanda sei iwe yaunofanirwa kuwana uye kukuchengetedza iwe kubva pakuenda pamusoro pebhajeti.

Danho 2. Enzanisa mitengo uye mamiriro. Enzanisa mitengo uye zvirevo zvinopihwa nemukweretesi wega wega.

Ita shuwa kuti hapana mari yakavanzika kana mamwe manomano anoshandiswa nevakweretesi, sekubhadhara kamwe chete pakupera kwenguva yechikwereti.

Danho rechitatu: Nyora sarudzo. Iwe unogona zvakare kugadzira chati kana rondedzero ine APR, nguva yechikwereti, uye kubhadhara pamwedzi kune yako yese sarudzo dzemari kuitira kuti iwe ugone kuzvienzanisa zviri nyore uye sarudza yakanakisa.

Iwe unofanirwawo kusanganisira chero mutero wekutengesa unotarirwa nehurumende yaunogara sechikamu chemutengo wose.

Chikamu 2 che5: Bvunza iyo inodiwa yekubhadhara

Kana wangosarudza mukweretesi, unofanira kunyorera chikwereti. Kana iwe wabvumidzwa, iwe unozoziva chaizvo kuti ingani kubhadhara pasi kunodiwa.

Danho 1: Sarudza kubhadhara kwako pasi. Kubhadhara kwepasi kunowanzo chikamu chemari yese yemotokari iri kutengwa uye inogona kusiyana zvichienderana nezera uye modhi yemotokari, pamwe nechikwereti chako.

• MabasaA: Zvinokurudzirwa kuti uone chikwereti chako usati wabata mukweretesi. Nenzira iyi iwe unozoziva kuti ndeupi mubereko waunofanirwa kuwana uye kuti imarii yekubhadhara yaunoda kuita.

Chikamu 3 che5: Sarudza kuti imarii yaunayo

Paunenge uchitarisa huwandu hwekubhadhara pasi, zvimwe zvinhu zvinofanirwa kuverengerwa. Chinonyanya kukosha pane izvi ndechekuti unoronga kutengesa mota, asi zvakare inosanganisira huwandu hwemari yaunayo muakaundi yako yebhangi, semuenzaniso. Kuderedza mari yemubhadharo wako wepamwedzi ndechimwe chekufunga kana uchifunga nezvekuti imarii yekuchengetedza.

• Mabasa: Paunenge uchishandisa chinhu chinotengeswa, yeuka kumirira mutengo wekupedzisira wemotokari usati waipa. Zvikasadaro, kana iwe ukatenga kubva kumutengesi uye uchivazivisa pachine nguva, vanogona kuwedzera mamwe mari kuti vatsigire kurasikirwa mukukosha pakutsinhana.

Danho 1: Tsvaga kukosha kwemotokari yako yazvino. Verenga kukosha kwemota yako yazvino, kana uine imwe. Mari iyi ichava shoma pane mutengo wekutengesa. Tarisa kuKelley Blue Book's What's My Car Worth iyo inonyora mitsva uye yakashandiswa yekutengesa-mumitengo yemotokari zvakasiyana neBlue Book mitengo yemota nyowani uye dzakamboshandiswa.

Danho 2: Verenga Mari Yako. Tsvaga kuti imarii yaunayo mukuchengetedza kana mamwe maakaundi ekubhadhara pasi. Funga kuti yakawanda sei yaunoda kushandisa.

Kunyange kana mukweretesi wako achingoda 10% chete, unogona kubhadhara 20% kuti uve nechokwadi chokuti une chikwereti chiduku kudarika motokari inokosha.

Danho 3. Verenga mari yako yemwedzi wega wega.. Sarudza kuti imarii yaunofanira kubhadhara mwedzi wega wega. Kuwedzera kubhadhara kwako kunoderedza mari yako yemwedzi. Saiti dzakaita seBankrate dzine nyore kushandisa online calculator.

• CherechedzaA: Kuwedzera mubhadharo wako wepasi kunodzikisa mari yako yese, izvo zvinoreva mutengo wakaderera wemari kwauri nekufamba kwenguva.

Chikamu chechina che4: Sarudza kuti ndeipi mota yekutenga uye nemutengo upi

Iye zvino zvaunoziva bhajeti yako uye kuti yakawanda sei yaunokwanisa kutenga kumberi, inguva yekutengera mota. Kana iwe wakagamuchira pre-mvumo yehuwandu hwechikwereti, saka iwe unonyatsoziva kuti yakawanda sei yaunokwanisa kutenga.

Danho 1: Sarudza kana uchida kutenga zvitsva kana kushandiswa. Sarudza kana uri kutenga motokari itsva kana yakashandiswa uye kuti ndeipi modhi yaunoda.

Vatengesi vanowanzova nehuwandu hwegore negore pamotokari yakashandiswa nekuda kwekuderera kwepamusoro kwemotokari itsva. Nezvizhinji zvisingazivikanwi zvakabatana nemotokari yakashandiswa, kusanganisira matambudziko asingatarisirwi emagetsi nekuda kwezera remotokari, mubereko wepamusoro unovimbisa kuti mukweretesi achiri kuita mari kubva pakutenga motokari yakashandiswa.

Danho 2: Enzanisa vatengesi. Enzanisa vatengesi kuti uone mutengo wemuenzaniso waunoda. Edmunds ane peji remutengesi rinobatsira.

Danho rechitatu: Funga Zvimwe. Sanganisira chero zvekuwedzera pamotokari itsva mumutengo. Dzimwe sarudzo uye mapakeji anosanganisirwa, nepo mamwe anogona kuwedzerwa nemutengo wekuwedzera.

Danho 4: Kurukurai mutengo. Kurukurai mutengo nemutengesi kuti uchengetedze mari. Izvi zviri nyore kuita nemotokari yakashandiswa, sezvo uchigona kushandisa chero nyaya dzemakanika kune mukana wako nekuyedza kutaurirana nemutengo wakaderera.

Chikamu 5 che5: Verenga iyo muzana inodiwa pakubhadhara pasi

Kana uchinge wava nemutengo, verenga chikamu chinodiwa nemukweretesi wako wakasarudzwa pakubhadhara pasi. Kuwanda kwemari yose yaunofanira kubhadhara sekubhadhara kunobva zvakanyanya pakuti uri kutenga motokari itsva kana yakashandiswa. Kutengeserana kwako mukati kunokanganisawo mari yaunofanirwa kuisa uye inogona kuita semubhadharo wepasi kana ichikoshera zvakakwana kana kukosha kwemota yaunoda kutenga yakadzikira zvakakwana.

Danho 1: Verenga mubhadharo wepasi. Kune mota yakashandiswa, avhareji yekubhadhara pasi inenge 10%.

GAP kuvharidzirwa (musiyano pakati pekukosha kwemotokari uye chiyero chakakodzera nokuda kwayo), uchidhura chero kupi zvako kubva kumazana mashoma emadhora kusvika kune chiuru chemadhora, inofanira kupa zvakakwana kuita mutsauko pakati pezvaunokwereta uye izvo kambani yako yeinishuwarenzi inopa. iwe kana mota yamuka mangwanani.

Kana iwe uri mumamiriro ekutsvaga motokari itsva, 10% yekubhadhara pasi inogona kunge isina kukwana kupa mari yaunoda kuvhara imwe chikwereti. Neraki, iwe unogona kuwana mubhadharo wemotokari nyowani kana mota yako nyowani yaparadzwa kana kubiwa mukati memakore maviri ekutanga emuridzi.

Kuti uverenge mari yekubhadhara yaunoda, wedzera huwandu hwese nechiyero chinodiwa nemukweretesi wobvisa mutengo wechero chinhu chaunacho kuti uwane mari yaunoda kuisa.

Semuenzaniso, kana ukaudzwa kuti unoda 10% yekubhadhara pasi uye ukatenga motokari inokosha $ 20,000, kubhadhara kwako kuchava $ 2,000-500. Kana kukosha kwemota yako yazvino iri $1,500, iwe uchada $XNUMX mumari. Iwe unogona kuwana pasi yekubhadhara karukureta pane saiti seBankrate iyo inokuzivisa iwe kuti imarii yaunobhadhara pamwedzi zvichienderana nemari yaunoisa, mubereko, uye nguva yechikwereti.

Izvo zvakakosha kuti uwane mota yaunoda nemutengo unoenderana nebhajeti yako. Paunenge uchitenga motokari itsva kana yakashandiswa, unofanira kuchengeta mutengo wakaderera sezvinobvira. Uyewo, tsvaga kukosha kwekutengesa-muchinhu chako nekushanyira mawebsite paInternet. Kana zvichidikanwa, bvunza mumwe wemakanika edu ane ruzivo kuti aite ongororo yemotokari isati yatenga kuti aone kana paine chero chinhu chinoda kugadziriswa pamotokari yako chinozowedzera kukosha kwayo.