Ndeipi nzira yakachipa yekubhadhara kutenga mota?
Kana iwe pakupedzisira waita sarudzo huru yekutenga mota nyowani, pane zvakawanda zvingasarudzwa zvekufunga nezvazvo. Zviripachena, iwe unofanirwa kufunga nezverudzi rwemotokari yaunoda uye kuti ndeapi mitengo inokodzera mubhajeti yako. Kubhadhara motokari ibasa guru. Pakati pekubhadhara pasi, inishuwarenzi, mari yako yemwedzi wega wega, uye yakarongwa kugadzirisa, mari yakawanda inoenda kune motokari. Vanhu vazhinji vanoedza kuchengetedza mari pese pavanokwanisa, uye kusarudza mukweretesi chikamu chikuru cheizvozvo. Vanhu vazhinji vanotora chikwereti kubva kubhangi, mukweretesi, kana kushandisa sarudzo dzekubhadhara mari. Saka ndeipi yakachipa?
Mhinduro iri nyore: zvinoenderana. Pane zvinhu zvakawanda zvinodzora kuti vanokweretesa vakachipa kana kudhura vakasiyana.
Mabhangi kazhinji ndiwo anokweretesa akachipa. Mabhangi mazhinji, uye kunyanya masangano ezvikwereti, anopa mibairo iri pasi pegumi muzana pazvikwereti zvavo.
Kazhinji, mubereko wevatengesi unokwira kudarika mubereko webhangi nekuti ivo murevereri. Vanochaja mari yechimbadzo yavanopiwa nemabhanga. Sezvo mutemo, avhareji yekumaka-up ndeye 2.5%. Mari iyo mutengesi anogona kuwedzera nayo mubereko inodzorwa nehurumende.
Asi vatengesi vanoita zvibvumirano zvakanaka nguva nenguva. Vatengesi vazhinji vane zvipo zvakakosha kwavanopa 0% kweimwe nguva yenguva. Kubhadhara pasina mubereko zvinoreva mubhadharo wakachipa wemotokari kwenguva yakatarwa. Iwe haugone kukunda izvi! Mabhangi nevamwe vanokweretesa havazokwanisi kukupa mubereko wakaderera kudaro nekuti havazokwanisi kuita mari nenzira iyoyo. Vatengesi vari kutoita purofiti kubva mukukutengesera mota, saka zero mubereko ndiyo kukurudzira kwavo kukuunza kune mutengesi.
Dealer interest rates inogonawo kutaurirana. Kunyangwe mareti emubereko kune ese mutengesi uye kubhangi akavakirwa pazvikwereti zvibodzwa, mutengesi ane imwe nzira pachiyero chavanokubhadharisa nekuda kwemarkup. Kana vakakupa mubereko wausingade, unogona kuhaga kuti ubude mazviri. Mari yemubereko yebhangi inotarwa uye haigone kudziviswa kuita kudaro.
Nepo mutengesi ichitoro chimwe chete, zvichiita kuti zvive nyore kuwana chikwereti nemotokari panguva imwe chete, mabhanga mazhinji uye masangano ezvikwereti anokutendera kuti unyorere chikwereti online mumaminetsi.
Iyo Bank Rate inoburitsa maitiro emwedzi mitatu muavhareji yemubereko wemotokari. Izvi zvichakubatsira kuona kana mari yauri kubhadhariswa iine musoro.
Kuvepo kwenguva refu kunoenderana nemubereko waunowana uye kuti unotora nguva yakareba sei. Izvo zvirinani zvibodzwa zvako zvechikwereti, zvakanyanya mukana wekuwana dhizaini yakanaka yemubereko. Kubhadhara kwemotokari kunogona kupedza makore matatu kusvika ku3 zvakanyanya, saka mubereko wakaderera ndiwo kiyi yekubhadhara mari shoma yemotokari munguva refu. Tora nguva yako uye ita tsvakiridzo yako usati wasvetuka musoro kutanga mumari yemotokari. Ramba wakatarisa kune kukwidziridzwa kubva kumutengesi pamwe nebhangi rako. Nguva yakakodzera yekutenga inogona kuguma nekuchengetedza mari munguva refu.
