Nzira yekudzikisa chikwereti chemotokari yako

Kubhadhara chikwereti chemotokari ibasa rakareba rinoda kuti urambe wakazvipira kubhajeti yako nekubhadhara mabhiri emwedzi. Nekudaro, dzimwe nguva, kungave kuwana imwe mari kuti uwedzere kubhadhara, kudzorera chikwereti chako chazvino, kana kungoita sarudzo dzakangwara nezve kuwana chikwereti pakutanga, unogona kuderedza mari yako zvakanyanya, mune dzimwe nguva zvakanyanya. Usati wafunga mafambiro ekuita, kurukura nezvesarudzo dziripo nemukweretesi wemotokari yako kuti uve nechokwadi chekuti zvinogoneka.

Nzira 1 ye3. Shandisa prepayment kubhadhara chikwereti kare

Zvinhu zvinodiwa

• Calculator
• Chibvumirano chechikwereti chinoshanda
• peni nepepa

Kubhadhara kwekutanga kunoita kuti iwe ubhadhare chikwereti pasati patanga kubvumirana. Iwe unoita izvi nekuwedzera kubhadhara pamwedzi wega wega nemari yekuwedzera yakatsaurirwa kushandisa musimboti. Nekudaro, usati waenderera mberi, unofanirwa kuve nechokwadi chekuti une imwe mari yekuita kuti kubhadhara kwekare kubvire uye kuti mukweretesi wako anobvumidza iwe kushandisa prepayment nechikwereti chako chemotokari.

• Mabasa: Nzira yakanakisa yekudzikisa mari yaunofanirwa kubhadhara ndeyekuva nenhoroondo yakanaka yechikwereti kunyangwe usati watora chikwereti. Zvichienderana nekuti chikwereti chako chakanaka here kana kuti chakanaka, chikwereti chinogona kureva mutsauko wezviuru zvemadhora mukuwedzera mari ine chekuita nemhindu yepamusoro.

Danho 1: Sarudza mukana wekukurumidza kubhadhara chikwereti. Nepo nzira dzakadai serefinancing dzingave dzisiri kuwanikwa kwauri nekuda kwechikwereti chako chazvino, kubhadhara mubhadharo wepamwedzi wega wega kunogona kukubvumidza kudzikisa mukuru wako.

Nheyo ndiyo inonyanya kukosha yekutarisa mukuverenga kuti yakawanda sei yaunozobhadhara pamusoro pehupenyu hwechikwereti. Kudzikisa izvi nekukurumidza kunofanira kuderedza mari yaunokwereta.

• Kudzivirira: Usati wabhadhara pachikwereti chako chemotokari chazvino, ita shuwa kuti hapana chirango chekubhadhara chikwereti chemota yako nekukurumidza. Kana usina chokwadi nezve chero chirango chekubhadhara kare chakanangana nechikwereti chako, bvunza nemukweretesi wako kuti uzive zvakawanda nezvechikwereti chako chemotokari.

Nhanho yechipiri: Tarisa kune Principal Chete Payments. Kana ukangoziva kuti mukweretesi wako anokubvumira kubhadhara chikwereti chemotokari yako kare pasina chirango, tsvaga nzira yavanoshandisa vasati vaita kudaro.

Kazhinji inonzi mubhadharo mukuru-chete, iva nechokwadi chekuti waunokwereta azive kuti imwe mari ndeyei.

• CherechedzaA: Vamwe vanokweretesa vanotoda kuti iwe ubhadhare izvi zvakasiyana kubva mubhadharo wako wepamwedzi wega wega.

Mufananidzo: Wells Fargo

Danho rechitatu: Verenga mubhadharo wako wepamwedzi. Mushure mekuongorora maitiro aunofanirwa kutevedzera kuti ubhadhare chikwereti chako nekukurumidza kuburikidza nekudzorera nekukurumidza, tsvaga kuti imarii yaunoda kubhadhara mwedzi wega wega kuti utange kubhadhara.

Unogona kushandisa karukureta kuverenga iyi mari, kana kushandisa online calculator. Dzimwe saiti dzinopa emahara auto chikwereti chekubhadhara macalculator anosanganisira Wells Fargo, Calxml. com, uye Bankrate.

Nzira 2 ye3: Bvisa munhu wepakati

Paunenge uchitenga motokari, iva nechokwadi chekutarisa zvose zvingasarudzwa zviripo usati watora chikwereti. Nepo mutengesi achigona kupa sarudzo iri nyore paunenge uchiedza kuwana mari inodiwa yechikwereti chemotokari, vanowanzoita semurevereri pakati pako nemukweretesi chaiye, vachiwedzera mari yebasa. Pamusoro pezvo, kudiwa kwechikwereti chidiki kunogona kuwedzera zvakanyanya mari yako sezvo mukweretesi achiedza kuita mari pachikwereti chidiki.

Danho 1: Ziva zvibodzwa zvakoA: Tsvaga chikwereti chako usati wanyorera chikwereti chemotokari nemukweretesi. Izvo zvakakosha kuti uzive kuti ndeipi chiyero chemubereko chako chaunogona kuwana.

Mufananidzo: Equifax

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

Kana uchinge waziva chibodzwa chako, unogona kuona kuti chinomira sei:

• Pazasi pe550 chibodzwa chakashata, zvichave zvakaoma kana kusagoneka kuwana chikwereti chemotokari. Mari inogona kuita kuti mubereko uwedzere.

• Pakati pe550 ne680 substandard, saka haina kunaka, asi inogona kunyatso shandirwa.

• Zvibodzwa zviri pamusoro pe680-700 zvinoonekwa se "prime" uye zvinozoguma nemitengo iri nani yemubereko. Kana zvibodzwa zvako zviri pazasi 680, saka kutenga mota zvine mutoro uye kubhadhara nguva dzose kunogona kukwidziridza mamakisi ako.

• Cherechedza: Vatengesi vemotokari havatarise chirevo chako chechikwereti, vanongosimudza zvibodzwa zvako.

Danho rechipiri: Ongorora nzira dzakasiyana dzemari dzinowanikwa kwauri. Izvi zvinosanganisira kuenda kubhanga kana imwe sangano rezvemari kuti uone kana bhanga richikwanisa kukubatsira.

Kazhinji izvi zvinotariswa nekunaka kwechikwereti chako. Nekubata bhangi kana mubatanidzwa wechikwereti zvakananga, unogona kuderedza mari zhinji dzepakati dzine chekuita nekuwana chikwereti kubva kune mutengesi.

Danho rechitatu: Bhadhara nemari kana uchikwanisa. Kana iwe uchingoda chikwereti chezviuru zvishoma zvemadhora, zviri nani kumirira kana zvichiita uye kubhadhara mari yemotokari. Vazhinji vanokweretesa vari mumusika kuita kamari kadiki mukuwedzera pane zvavanopa. Kana mari yacho iri diki kana tichienzanisa, mukweretesi anowanzo kubhadharisa mari yepamusoro kuti agadzirise iyo yakaderera.

• MabasaA: Kana chikwereti chako chakanyanya kuderera, unofanira kufunga kuchivandudza usati watora chikwereti chemotokari. Rimwe rematanho aungatora nderekusangana nesangano rekupa zano rechikwereti kuti uvakezve chikwereti chako nekufamba kwenguva. Sangano rinokubatsira nezvinhu zvakaita sekugadzirisa bhajeti uye kuona nzira yakanakisa yekubhadhara chikwereti chako, kunyangwe vazhinji vacho vachibhadharisa mari yebasa ravo.

Nzira 3 ye3: Refinance chikwereti chako

Imwe nzira huru yekudzikisa huwandu hwemari yemubhadharo yaunofanirwa kubhadhara ndeyekutsidzira chikwereti chako chemotokari chazvino. Usati watora chikwereti chekutanga, ita shuwa kuti mukweretesi anobvumira kudzoreredza, uye vamwe havaite. Zvino, kana ukafunga kudzika nenzira iyi, iwe unozoziva pachine nguva kuti ndedzipi sarudzo dzaunadzo.

Danho 1: Unganidza Zvinyorwa. Mushure mekubata mukweretesi wako, unofanirwa kuunganidza ruzivo rwakanangana nechikwereti chemota yako. Kuve neruzivo rwunotevera rwuripo kunofanirwa kuita kuti nzira yese yekubhadhara mari ive nyore, kusanganisira:

• Chibodzwa chako chechikwereti
• Mari yemubereko pachikwereti chemota chazvino
• Iwe une chikwereti chakawanda sei pachikwereti chako chazvino
• Nhamba yekubhadhara kwasara
• Kukosha kwemota yako
• Gadzira, modhi uye kuverenga odometer
• Nhoroondo yebasa rako uye mari yako yegore negore

Danho 2. Enzanisa mazwi. Kana iwe uchikodzera kune refinance, enzanisa zvirevo zvezvinopihwa nemukweretesi wako neaya emamwe masangano emari.

Ramba uchifunga nezvenguva yechikwereti chitsva, mwero mutsva wemubereko, chero kubhadhara kare uye zvirango zvekunonoka kudzosera, uye chero imwe mari yekuwedzera kana mari yechaji.

Chete mushure mekunge wagutsikana nemitemo, unofanirwa kubvumirana uye kusaina magwaro.

• KudziviriraA: Unofanirawo kuona kana paine zvisungo zvekudzosera mota uye kuti ndezvipi usati wasaina. Kwave kunonoka kuziva kuti pane chimwe chiitiko chakakosha chawakapotsa apo mukweretesi akauya kuzotora mota yako.

Kudzorera chikwereti chako chemotokari ikozvino inzira huru yekuderedza kubhadhara kwako ikozvino, kusanganisira chero mari yemari. Ita shuwa kuti mota yako iri muhurongwa hwekushanda zvakanaka kuti uone kuti ichagara iwe nguva yakazara yechikwereti uye nekupfuura. Izvi zvinosanganisira kuongororwa kwekudzivirira kwakarongwa uye kugadzirisa. Rega makanika edu ane ruzivo akubatsire kuchengeta mota yako iri pamusoro.