0% Zvibvumirano Zvekubhadhara Mota: Chokwadi Nezve 0-1% Itsva Yekubhadhara Mota
Mutemo uyu unoratidzika kunge wakajeka zvokuti zvichida kunyange mubhuku raDonald Trump rinotengeswa zvakanyanya The Art of the Deal kana iwe uchida mabhuku ane mazwi mapfupi: "Chero chinhu chinonzwika chakanaka kuti chive chechokwadi chinenge chiri."
Saka kana ukaona chiziviso chinovimbisa “0% APR,” “0% mari yemotokari,” kana dhiri remari yemotokari risinganyanyi kunzwika zvishoma “1% yemotokari,” chingotora magirazi ako ekuverenga wogadzirira kutanga kutsvanzvadzira faindi. dzvanya nekuti kune zvakawanda kune akawanda matsva emari emotokari madhiri kupfuura zvinosangana neziso.
Izvo zviri nyore uye zvinofanirwa kuve pachena ndezvekuti mota nyowani dzine zero financing dzinogona kudhura zvakanyanya pane kutenga mota imwe chete ine mubereko wakajairwa. Izvi zvingaita sezvinopesana-intuitive kwauri, uye kana zvakadaro, iwe unofanirwa kuverenga uchienderera.
Ukaona chinopihwa senge "0% financing" zvinoita sekunge dhiri, asi ndiwo mabatirwo emari yemotokari anofanirwa kunzwika. Chaizvoizvo, zvese ndezvekupinda muimba yekuratidzira.
Chaunoda kutarisisa ndicho chepasi, uye masvomhu apa ari nyore. Kana ukakwanisa kutenga motokari ine dhiri rezvemari, taura 8.0%, nokuda kwe$19,990, ichange ichiri yakachipa pane kutenga motokari pa0 muzana kana motokari imwe cheteyo iri madhora 24,990 pa“special” yako ye0 muzana. .
Nekuti ndizvo zvinoitwa nemakambani emotokari dzimwe nguva, kazhinji senzira yekudzosera mari yekupihwa kwauri ne "0% mari" semuenzaniso. Vanokupa mwero wakaderera asi wedzera mutengo wemota kana kuwedzera mari yekuwedzera, mari yekutumira uye mubhadharo. Zvekare, ndezvekuverenga zvinyorwa zvakanaka.
Tichishandisa muenzaniso wedzidziso uri pamusoro, takashandisa webhusaiti kuverenga kuti mari yese yekubhadhara pa8 muzana ingave yakaderera pane 0 muzana, chibvumirano chakanyanya kunaka kuti chisave chokwadi.
Pazvikamu zvisere kubva muzana, motokari inokosha $8 mumakore matatu inoda kubhadharwa kwe $19,990 pamwedzi, zvichireva kuti unopedzisira wabhadhara $624 yemotokari mushure memakore matatu.
Asi mutengo we$24,990 wakabhadharwa kwemakore matatu pazero mubereko uchiri madhora mazana matanhatu nemakumi mapfumbamwe nemana pamwedzi, kana $0 pamwe chete.
“Makambani akawanda emotokari anoshandisa mari shoma inowanika kuti apinze vatengi muzvitoro, asi kazhinji kazhinji, zvibvumirano zvinobatanidza mutengo wakakwana wemotokari uye mutengesi achibhadhara zvakakwana kutumira,” inotsanangura kudaro imwe nyanzvi ine ruzivo rwokuzviwanira yemari.
“Iyi ndiyo nzira chete iyo makambani emotokari anogona kutenga mari dzemibairo yakaderera. Pakupedzisira vanowana mari yavo. Hapana chauchawana mahara."
Chii chaunofanira kuita kana uchitenga yakanakisa dhizaini yemari?
Nyanzvi dzezvemari dzinopa zano chaunonyatso fanirwa kuita kuenzanisa uye kuenzanisa zvibvumirano zvinopihwa, uye kwete kuwira pakutengesa kuri nyore se "0% mari".
Kuda kuziva kubhadharwa kwese kweiyi 0 muzana uye kuti mutengo wekutenga uchange uri wei, kusanganisira mari dzese. Uye woenzanisa mutengo iwoyo nemutengo waunogona kuwana kubva kune yechitatu-bato rezvemari kambani - bhangi rako kana mumwe mukweretesi - uye zvakachipa sei iwe unogona kuwana mota imwechete kana iwe ukasimudza mari yako (kana, kana zvichibvira, kubhadhara. in cash). iyo inowanzo dzikisa mutengo zvakanyanya).
Gara uine chokwadi chekubvunza nezve orb payout pakupera kwechero kutengeserana kwemari nekuti panogona kuve nenjodzi dzakavanzika mune izvi.
Chinhu chakangwara kuita, hongu, kutaurirana, nekuti kana iwe ukagona kuita kuti mutengesi wako asunge zero yavo yekubhadhara mari pamutengo wakachipa wekubuda, saka unohwina chaizvo pamativi ese ereja.
Ehe, iwe unozoda mutengesi anoda chaizvo kushandura iyi modhi, asi yeuka kuti hazvimborwadze kubvunza. Uye iwe unofanirwa kugara wakagadzirira kufamba uye kubvunza mubvunzo mumwechete kune mumwe mutengesi.
Uye gara wakatarira mari yako. Kutengeserana kwakaderera se2.9% kwakajairika mazuva ano uye nhoroondo iyi chiyero chakanaka chaizvo. Uye kana iwe uchida kutora njodzi uye kuwana dhiri yakanaka ne zero mari, kune akawanda emakambani emotokari kunze uko anoedza kukufadza iwe.
Muna 2021, zviri kuita zvishoma uye zvishoma kuona vatengesi vachiridza hwamanda kuti vane "0 muzana yemari yemari yemotokari" dhiri, pamwe nekuti vatengi vatanga kubata hunyengeri.
Zvakajairika kuwana "financial calculator" ine zvikero zvinotsvedza pawebhusaiti yemhando yemotokari - izvi zvinokutendera kuti uise kuti ndeupi mubereko waunoda kubhadhara, inguva ipi yaunoda kubhadhara chikwereti, uye yakawanda sei (kana iripo) uchabhadhara nemari shoma panopera temu .
Izvi zvinogona kuita kuti unzwe kunge vari pachigaro chemutyairi, sekutaura, nerusununguko rwekuseta zvirevo zvechikwereti kuti zvienderane nezvavanoda, asi mapako mamwe chete anoshanda: iyo yakaderera mubereko, iwe unowedzera iwe. 'ichabhadhara nekufamba kwenguva; uye mari yekuwedzera inogona kumuka munzira (kazhinji pakati pemamiriro aunogona kuona kuti mugadziri wemotokari ane "kodzero yekuchinja, kuwedzera kana kubvisa kupihwa chero nguva" uye yakanaka yekare "mitero nemitero inoshanda", saka enderera mberi kungwarira).
Iwe unogona kushandisa mawebhusaiti kuwana madhiri akanakisa, kana kungotsvaga yako yaunofarira brand uye mutengo waunoda.
Kubata sei
- Bvunza kuti kudzoserwa kwese kuchave chii pamusoro pehupenyu hwechikwereti, zvisinei nemhindu yavanopa.
- Gara uchienzanisa kupihwa kune mutengesi nezvipo kunze nekuti dzimwe nguva mutengesi anenge aine dhiri iri nani uye dzimwe nguva anenge ari mabhangi nevamwe vanokweretesa vanochipa.
- Bvunza kana mubereko wakaderera wakasungirirwa pamutengo wemotokari kana kana mutengo wemotokari uchigonawo kutaurirana.
- Tarisa nguva yechikwereti. Zvizhinji zvinopihwa zvemubereko zvakaderera zvinongowanikwa kwemakore matatu, uye mubhadharo wepamwedzi unogona kunge wakakwira pane yakajairika yenguva refu yechikwereti chemubereko.
