Zvakakodzera kutenga mota ine deposit?

Kutenga motokari itsva ipfungwa yekurasikirwa. “Asi chimbomira,” unodaro. “Tarisai mabhero nemiridzo zvese zvine mota iyi. Inokodzera dhora rega rega." Sekureva kwaEdmunds, mushure meiyo mamaira yekutanga kuve muridzi, mota yako yatorasikirwa…

Kutenga motokari itsva ipfungwa yekurasikirwa. “Asi chimbomira,” unodaro. “Tarisai mabhero nemiridzo zvese zvine mota iyi. Inokodzera dhora rega rega."

Sekureva kwaEdmunds, mushure memakiromita ekutanga emuridzi, mota yako yakatorasikirwa nepfumbamwe muzana yemutengo wayo chaiwo wemusika. Funga kuti zvakaipa? Mumakore matatu ekutanga, mota yako "itsva" icharasikirwa ne42% yemutengo wayo chaiwo wemusika.

Dai mota dziripo hapana aidzitenga.

Zvinobatsira here kutenga motokari yakashandiswa?

Unogona kusvika pakugumisa kuti kutenga motokari ipfungwa yakaipa. Hazvifanirwe kudaro. Sezvo kuwanda kwekuderera kwemotokari kunoitika mumakore matatu ekutanga, zvine musoro kutarisa mota dzakamboshandiswa dzakatotora zvakanyanya kuderera kwadzo.

Zvakanaka, ngatiti iwe unopedza nguva uchitsvaga mota yakashandiswa online. Iwe unowana iyo yaunoda, tarisa kunze uye sarudza kutenga. Chibvumirano chinotaridzika sekuhwina-kuhwina, handizvo here? Kusvikira muridzi akukandira bhora. Anokuudza kuti mota yaita rubatso.

Chii chinonzi rubatso?

Lien ikodzero yemunhu wechitatu (akadai sebhangi kana munhu) kuti atore muridzi wemota kusvika chikwereti chabhadharwa. Kana iwe wakambotenga uye nekubhadhara motokari kuburikidza nemutengesi, mukweretesi akabata chibvumirano pamotokari yako.

Kana iwe uri kutenga yakashandiswa mota kubva kumutengesi kana yakashandiswa mota yakawanda, kutengeserana kwako kuchava nyore. Mubhadhari wepakutanga achabhadharwa uye mutengesi achabata zita racho. Kana iwe uchibhadhara kutenga, bhangi richabata chibvumirano. Kana iwe uchibhadhara nemari, iwe unenge uine zita racho uye hapazove nedhipoziti.

Shanyira webhusaiti yeDMV kuti uwane ruzivo rwekuchengetedza

Zvinhu zvinochinja zvishoma kana ukatenga mota kubva kumunhu akazvimiririra. Usati wapedza chibvumirano, unofanira kutanga kutarisa nhoroondo yemotokari. DMV ine webhusaiti yakakura uye inogona kukupa iwe ruzivo nezve muridzi.

Kana iwe ukaona kuti mutengesi achiri nechikwereti chemotokari, kuitenga kazhinji haisi dambudziko rakawanda. Mutengi anonyora cheki yemari inokweretwa kumubati webhondi oitumira kukambani inobata bond. Zvinogona kutora mavhiki mashoma kuti zita racho ritumire kune mutengesi.

Mutengi anova muridzi wemota riini?

Apa ndipo panoita kuti kutengeserana kunyanye kunetsa. Panguva ino, mutengesi achachengeta muridzi wemotokari kusvika muridzi wawanikwa. Panguva ino, mutengi atumira mari kuti abhadhare deposit, uye haazivi kuti chii chiri kuitika nemotokari yake. Muridzi achiri kutyaira here? Ko kana akaita tsaona?

Mutengi haakwanisi kutyaira zviri pamutemo kana kuisa inishuwarenzi iyo isina zita, saka kutenga mota ine lien inova basa rakaoma.

Kuti avhare chibvumirano, mutengesi anofanira kuwana muridzi wemotokari kubva kune muridzi wekutengesa kuitira kuti atumire muridzi, uye mutengi anoda gwaro rakasainwa rekunyoresa mota.

Haufanire kupa mutengesi mari kuti abhadhare muridzi webhondi. Vanhu vanogona kuva nematambudziko emari - vanokanganwa kuitumira, vanoda peya itsva yeskis, nezvimwewo - saka kana ukapa zviuru zvishoma mumari, unogona kusazomboona mutengesi kana motokari yako zvakare.

Haasi ese maLiens akanyorwa neDMV

Pamusoro pezvo, kune marezinesi anogona kana kusaonekwa kana uchitsvaga mota.

Zvivakwa zvakaita semota zvinogona kuve pasi pemarezinesi ausingazomboziva nezvayo. Kana mutengesi ari mubhadharo wemitero nekuda kwe IRS kana hurumende yenyika, mota inogona kutorwa. Vatengi vanodzivirirwa kusvika pamwero wakati ne IRS Code 6323 (b) (2), iyo "inodzivirira mitero yemitero kubva pakukanganisa kutengeswa kwemotokari yako kunze kwekunge mutengi aziviswa kana kuziva nezvemutero wekutengesa panguva yekutenga."

Kana mutengesi wako akaziva nezve federal tax lien paanotengesa motokari uye akakuzivisa ruzivo irworwo kwauri, zvingava kuchenjera kubva nokuti unogona kunge uri mukurwisana kwevatatu ne IRS, mutengesi, newe.

Kutadza kubhadhara mari yekuchengeta mwana kunogona kukonzera kusungwa

Dare reMhuri rinogonawo kutora motokari kana mutengesi asingabhadhari rubatsiro rwevana. Dzimwe, asi dzisiri dzese, nyika dzinotevera mutsauko wekuita uku: bazi rehurumende resocial services kana bazi rinoona nezvekuchengeta vana rinoisa bondi pamotokari yemubereki anenge atadza kubhadhara.

Bazi rinoona nezvemagariro evanhu kana kuti bazi rinoona nezvekuchengeta vana rinotumira tsamba kumunhu anenge atora bhero richimuudza kuti adzosere zita raakatorerwa kudare kana kuti riparadzwe. Dare rinobva raburitsa zita idzva rozvinyora semuridzi wechibharo.

Kushandisa mari pamotokari haisi iyo yakangwara yekudyara, asi isu tese tinoida. Kana usiri kutenga mota yemhando yepamusoro sekudyara, unovimbiswa kurasikirwa nemari.

Chikonzero chekufunga nezvemotokari yakashandiswa

Kutenga mota yakashandiswa kunobatsira zvakanyanya kubva pakuona kwemari. Inenge hafu yekuderera kwakadzimwa; kana iwe ukatenga mota kubva kumutengesi, chero mota yaunosarudza ingangove iri pedyo-itsva mamiriro; uye pamwe ichine waranti yakawedzerwa kana chimwe chinhu chikuru chikatadza.

Sarudzo yekutenga mota yakashandiswa kubva kumunhu akazvimiririra pamwe haina kuoma. Ichokwadi kuti kana iwe ukatenga yakanonoka modhi mota, unenge uine lien. Makambani anotsigira mota anogara achibatanidzwa mukutengesa ega. Zvose zvichafamba zvakanaka.

Nekudaro, kune vanobatisa zvikwereti vaungasatomboziva nezve avo vane mari pamota. Ita basa rako rechikoro, nyatsoteerera kune mutengesi anogona kutaura nezve kudzoserwa kwekutsigirwa kwemwana kana kupomerwa IRS.

Matauriro ake asina kujeka, asina chekuita nekutengesa, anogona kukuudza zvese zvaunoda kuziva nezve dhiri.

Kana uine kusava nechokwadi pamusoro pemhando yemotokari yakatengwa, unogona kugara uchifonera nyanzvi yeAvtoTachki yakasimbiswa kuti iongorore motokari yako usati watenga. Izvi zvinokutendera kuti urege kunetseka nezve kutsvaga mamiriro echokwadi emota isati yatenga yekupedzisira.