Kutsanangura auto finance jargon

Vazhinji vedu tinotenga mota nemari nekuti inzira yakanaka yekuparadzira mutengo kwemakore akati wandei. Izvi zvinogona kuita kuti mota ive inokwanisika uye iwe unonyatsoziva kuti yakawanda sei yekushandisa pairi mwedzi wega wega. Nekudaro, kunzwisisa mari yemotokari kunogona kunetsa nekuda kwehuwandu hwemumwe mutauro uye temu kuti ugadzirise.

Kuti ikubatsire kuzvigadzirisa zvese, takaisa pamwe iyi AZ gwara kune auto mari jargon.

Bvumirano

Chibvumirano chibvumirano chinosunga zviri pamutemo pakati pemukwereti (iwe) nemukweretesi (kambani yemari). Inotara hurongwa hwekubhadhara, mubereko, makomisheni nemari, uye inoburitsa kodzero dzako nezvisungo. Iverenge nokungwarira uye iva nechokwadi chokuti ukoshi hwemotokari hwakafanana nezvawakaratidza. Bvunza mibvunzo kana kuwana maonero echipiri kana usina chokwadi nezve chero chinhu chiri muchibvumirano.

Mari yechikwereti

Kwete kuti irege kuvhiringika nemari yese yakafanira, mari yechikwereti imari inokweretwa nekambani yezvemari kwauri. Nhamba iyi haisanganisi dhipoziti kana mari yauchagamuchira mukutsinhana nemotokari yako yazvino.

Mwaka mileage

Paunonyorera mari yePersonal Contract Purchase (PCP), unofanirwa kufungidzira mileage yako yegore. (Cm. CFP Ona pasi apa.) Iyi ndiyo nhamba huru yemamaira yaunogona kutyaira gore negore pasina imwe mari yokuwedzera. Izvo zvakakosha kuti uite izvi nemazvo nekuti iwe uchachajwa pamamaira inodarika iyo yakabvumiranwa yakakura mileage. Mitengo inosiyana, asi vanokweretesa vanowanzo bhadharisa 10p kusvika 20p pamaira yega yega yakawandisa.

Chiyero chegore negore (APR)

Mubairo wegore negore ndiwo mutengo wepagore wekukwereta. Zvinosanganisira mubereko wauchabhadhara pamari, pamwe chete nemari ipi neipi ine chekuita nekukwereta. Nhamba yeAPR inofanirwa kuverengerwa mune zvese makotesheni uye zvigadzirwa zvekusimudzira, saka inzira yakanaka yekuenzanisa kutengeserana kwemari kwakasiyana.

Kune marudzi maviri eAPR: chaiwo uye anomiririra. Iwo akaverengerwa nenzira imwechete, asi mumiriri wepagore mari inoreva kuti 51% yevanyoreri vachawana chiyero chakataurwa. Iwo asara makumi mana nepfumbamwe muzana evanyoreri achapihwa akasiyana, kazhinji akakwira, mwero. Mubereko chaiwo wegore negore wauchawana paunokwereta. (Cm. chimbadzo chikamu chiri pasi apa.)

Kubhadhara nemabhora

Paunopinda muchibvumirano chezvemari, mukweretesi anofanotaura kuti kukosha kwemotokari kuchave chii pakupera kwechibvumirano. Mari iyi inopiwa se "callout" kana "optional final" muripo. Kana ukasarudza kubhadhara, motokari ndeyako. Kana zvisina kudaro, unogona kudzorera motokari kune mutengesi uye kudzorera dhipoziti. Kana kuti iwe unogona kuitengesa kune imwe mota iyo mutengesi ane kushandisa yako yekutanga dhipoziti. Chero kupfeka uye kubvarura kana kuwandisa mari inowedzerwa kune yekupedzisira kubhadhara kwebhora.

Chiyero chechikwereti / chiyero chechikwereti

Chibodzwa chechikwereti (chinozivikanwawo sekiredhiti mamakisi) ongororo yekukodzera kwako chikwereti. Paunonyorera mari yemotokari, mukweretesi anoongorora chikwereti chako kuti akubatsire kuita sarudzo pachikumbiro chako. Cheki yakapfava ndeyekutanga cheki kuti uone kana uchikodzera kukwereta kubva kune vamwe vanokweretesa, nepo cheki yakaoma inopedzwa mushure mekunge wanyorera chikwereti uye mukweretesi anoongorora chirevo chako chechikwereti.

Chikwereti chepamusoro chinoreva kuti vanokweretesa vanokuona seusina njodzi, saka ipfungwa yakanaka kutarisa chibodzwa chako usati wanyorera chikwereti. Kubhadhara mabhiri ako uye kubhadhara chikwereti nenguva kunobatsira kuvandudza chikwereti chako.

Ita deposit

Dhipoziti, inozivikanwawo sedhipoziti yemutengi, mubhadharo waunoita pakutanga kwechibvumirano chemari. Dhipoziti hombe inowanzoita kuti mubhadharo wepamwedzi wakaderera, asi funga nezvese zvaungasarudza usati wasayina. Ongorora: Hazvigoneke kuti dhipoziti yako idzoserwe kana ukamisa chibvumirano chemari, saka kubhadhara mari yakawanda kumberi haisi iyo yakanyanya kunaka sarudzo.

Deposit

Vatengesi vemotokari nevagadziri dzimwe nguva vanopa dhipoziti inoenda kumutengo wemotokari. Mune zvimwe zviitiko, iwe unofanirwawo kuwedzera yako dhipoziti. Mipiro yedhipoziti inowanzopihwa neimwe dhizaini yemari uye haizovepo kunze kwekunge wabvuma dhiri iyoyo. 

Deposit fees inogona kunge yakakura, iyo inoderedza zvakanyanya kubhadhara pamwedzi. Asi iva nechokwadi chekuverenga zvinyorwa zvechibvumirano. Nhamba dziri mumisoro yenyaya dzinogona kutaridzika zvakanaka, asi mazwi echibvumirano anogona kusakukodzera iwe.

kudzikira

Uku ndiko kukosha kwemotokari yako inorasikirwa nekufamba kwenguva. Kuderera kwemotokari kunonyanya kukwira mugore rekutanga, asi mwero unodzikira mushure megore rechitatu. Ndicho chikonzero kutenga motokari inenge itsva kunogona kuita pfungwa yezvemari - muridzi wepakutanga achamedza kuderera kukuru. 

Nechibvumirano chePCP, iwe uri kubhadhara zvakanyanya kuderera kwehupenyu hwekondirakiti, saka kutenga mota ine yakaderera depreciation rate inodhura iwe zvishoma pamwedzi.

Kugadziriswa kwekutanga

Prepayment, inozivikanwawo sekuti buyout kana prepayment, imari inobhadharwa kana ukafunga kubhadhara chikwereti nekukurumidza. Mukweretesi achapa huwandu hunofungidzirwa, hungangosanganisira muripo wekubhadhara nekukurumidza. Nekudaro, iwe unozochengetedza mari sezvo mubereko unogona kudzikira.

Capital

Uyu ndiwo mutsauko pakati pekukosha kwemusika wemotokari uye mari yaunokwereta kambani yemari. Semuenzaniso, kana mota ichidhura £15,000 asi uchine chikwereti kukambani yezvemari £20,000, yako yakashata yakaenzana i£5,000. Kana mota ichikosha £15,000 uye iwe wakangobhadhara £10,000 chete, une positive equity. Kunyangwe zvisingaite kuti zviitike.

Negative equity inogona kuva dambudziko kana iwe uchida kubhadhara chikwereti chako nekukurumidza nekuti unogona kupedzisira wabhadhara kupfuura iyo mota yakakosha.

Kupfuura mileage mubhadharo

Iyi ndiyo mari yauchafanirwa kubhadhara kune yega yega mamaira yaunotyaira inodarika mileage yegore yawakabvumirana. Yakawandisa mamaira inowanzobatanidzwa nePCP nemadhiri ekurojesa. Nokuda kwezvibvumirano izvi, kubhadhara kwako pamwedzi kunobva pakukosha kwemotokari pakupera kwechibvumirano. Kuwedzera mamaira kunoderedza mutengo wemota, saka uchafanirwa kubhadhara mutsauko. (Cm. mileage yegore chikamu chiri pamusoro.)

Vezvemari Conduct Authority (FCA)

Iyo FCA inoronga indasitiri yezvemari muUK. Basa remutongi nderokudzivirira vatengi mukutengeserana kwemari. Zvese zvibvumirano zvemari yemotokari zvinowira pasi pesimba remutongi akazvimirira uyu.

Guaranteed Asset Protection Insurance (GAP)

Inishuwarenzi yeGAP inovhara musiyano pakati pekukosha kwemusika wemotokari uye mari yakasara kubhadhara kunze kwechiitiko chekunyora kana kubiwa kwemotokari. Hapana chinosungirwa kutora inishuwarenzi yeGAP, asi zvakakosha kufunga kana uchibhadhara mota yako.

Guaranteed Minimum Future Value (GMFV)

GMFV ndiyo kukosha kwemotokari pakupera kwechibvumirano chemari. Mukweretesi achaongorora iyo GMFV zvichienderana nenguva yekondirakiti, yakazara mileage uye mafambiro emusika. Kubhadhara kwekupedzisira kwesarudzo kana kubhadhara bharumu kunofanirwa kuenderana neGMFV. (Cm. mhanza chikamu chiri pamusoro.) 

Iyo GMFV yakavakirwa pafungidziro yekuti iwe unogara mukati memuganho wako wemamaira, chengetedza mota yako kune yakakurudzirwa zviyero, uye chengeta mota yako iri muchimiro chakanaka.

Kutenga Kwekutanga (HP)

HP pamwe ndiyo yakajairika nzira yekubhadhara mota. Mari yako yemwedzi wega wega inobhadhara mutengo wese wemota, saka kana waita chikamu chako chekupedzisira, unenge wava muridzi wemota. Mari yemubereko inotarwa nguva yese, mari yechikwereti yakakamurwa kuita yakaenzana kubhadhara pamwedzi, kazhinji kusvika kumwedzi makumi matanhatu (makore mashanu). 

Kubhadhara dhipoziti yepamusoro kunodzikisa mutengo wemari yako yemwedzi wega wega. Asi iwe hausi wega wega mota kusvika waita muripo wekupedzisira. HP yakanaka kana iwe uchifunga kusiya mota pakupera kwechibvumirano.

Dzidza zvakawanda nezve kubhadharisa mari (HP) pano

Chikamu chekufarira

Interest ndiyo mari yaunobhadhara pakukwereta mari yekutenga mota nechikwereti. Mari yemubereko yakakamurwa kuita mari yechikwereti chemwedzi wega wega. Chibvumirano chako chemari chichataura mutengo wakakwana wemubereko wauchabhadhara panguva yekukwereta. Mutengo wakagadziriswa, saka iyo ipfupi chibvumirano chemari, iyo shoma yauchashandisa pamubereko.

Chikamu chekuchinjana

Kutsinhana kwechikamu ndiko kushandiswa kwekukosha kwemotokari yako yazvino semupiro kune kukosha kweimwe itsva.

Izvi zvinogona kuderedza mari yako yemwedzi wega wega sezvo mari yemotokari yako inobviswa pamutengo wemotokari yaunoda kutenga. Mutengo wekuchinjana kwako chikamu unoenderana nehuwandu hwezvinhu zvinozotariswa nemutengesi, kusanganisira zera remotokari, mamiriro, nhoroondo yebasa, uye kukosha kwemusika ikozvino.

Personal Contract of Employment (PCH)

PCH, inozivikanwawo sechibvumirano chekurenda, chibvumirano chekugara kwenguva refu kana chibvumirano chekurenda. Pakupera kwetemu, iwe unongodzosera mota kukambani yekurenda. Tichifunga kuti wakachengeta mota uye warova mileage yako muganho, hapana chimwe chekubhadhara. Mari dzepamwedzi dzinowanzodzikira, asi ita shuwa kuti mutengo waunotora unosanganisira VAT. Iwe haugone kupihwa mukana wekutenga mota kana nguva yekurenda yapera.

Kutenga Personal Contract (PCP)

Zvibvumirano zvePCP zvinogona kukwezva nekuti mubhadharo wepamwedzi wakadzikira pane kune dzimwe nzira zhinji dzekurenda nekubhadhara mari. Izvi zvinokonzerwa nekuti iyo yakawanda yekukosha kwemotokari inoratidzwa pamagumo echibvumirano nenzira yehuwandu hwemari. Bhadhara uye mota ndeyako.

Neimwe nzira, unogona kudzosera mota kune mukweretesi kuti adzore dhipoziti yako. Kana kuti tora imwe dhiri kubva kumukweretesi mumwe chete uchishandisa mota yako yazvino sechikamu chedhipoziti.

Dzidza zvakawanda nezvePersonal Contract Purchase Financing (PCP) pano.

Residual kukosha

Uku ndiko kukosha kwemusika chero nguva muhupenyu hwemotokari. Mukweretesi acharonga kukosha kwasara kwemotokari pakupera kwechibvumirano chemari kuti uverenge mari yako yemwedzi. Motokari ine chiyero chakaderera chekuderera ichava nepamusoro yakasara kukosha, saka ichave inokwanisika kuwana mari kupfuura motokari ine chiyero chepamusoro chekuderera.

Mafambiro emusika, kufarirwa kwemota, uye chimiro chayo zvinhu zvitatu zvinokanganisa kukosha kwasara.

Settlement

Iyi ndiyo mari inodiwa kuti ubhadhare chikwereti chacho zvizere. Mukweretesi wako anogona kusimbisa mari yekubhadhara chero nguva panguva yekondirakiti. Kana wakabhadhara hafu yemari yakafanira uye wobhadhara mwedzi wega wega nenguva, une kodzero yekungodzosera mota. Izvi zvinozivikanwa sekugumisa kwekuzvidira.

Nguva

Iyi ndiyo nguva yechibvumirano chako chemari, inogona kusiyana kubva pamakumi maviri nemana kusvika kumwedzi makumi matanhatu (makore maviri kusvika mashanu).

Mari yese inobhadharwa

Iyo inozivikanwawo semubhadharo wakakwana, iyi ndiyo mutengo wakakwana wemotokari, kusanganisira chikwereti chacho, mari yose inobhadharwa, uye chero muripo. Izvi zvingangove zvakanyanya kudarika mutengo waungabhadhara kana ukatenga mota yacho nemari.

Kugumisa nokuzvidira

Une kodzero yekumisa chibvumirano chemari uye kudzorera mota kana wakabhadhara makumi mashanu muzana emari yese yakafanira uye wakachengeta mota zvine musoro. Muchiitiko chechibvumirano chePCP, mari yacho inosanganisira kubhadhara kwekupedzisira muchimiro chebhora, saka nzvimbo yepakati iri gare gare muchibvumirano. Muzvibvumirano zveHP, iyo 50 muzana poindi inenge hafu yenguva yechibvumirano.

Pfeka

Iyo kambani yezvemari ichakukweretesa mari pane iyo mamiriro ekuti iwe unochengetedza mota uye kudzivirira kukuvara kwairi. Nekudaro, imwe huwandu hwekupfeka uye kubvaruka hunotarisirwa, saka haungakwanise kubhadhariswa machipisi ematombo pane hood, mashoma mavanga pane bodywork, uye imwe tsvina pamavhiri alloy. 

Chero chipi zvacho chinopfuura icho, chakadai semavhiri alloy akaomeswa, mazino emuviri, uye nguva dzakapotsa dzesevhisi, zvinonyanya kutorwa semashura kupfeka uye kubvarura. Pamusoro pekubhadhara kwekupedzisira, iwe uchabhadhariswa muripo. Izvi zvinoshanda kuPCP nePCH zvibvumirano, asi kwete kumuchina wakatengwa kubva kuHP.

Paunenge uchipinda muchibvumirano chemari yemotokari, kambani yezvemari inofanirwa kukupa kurudziro yekupfeka uye kubvarura - gara uchitarisa ruzivo rwakapihwa nemazvo kuti uzive zvinogamuchirwa.

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