Momwe mungabwereke galimoto ngati muli ndi ngongole yoyipa
Zamkatimu
Kubwereketsa galimoto yatsopano ndizovuta mokwanira popanda mavuto owonjezera a mbiri yoyipa yangongole. Ngongole yoyipa ingapangitse kubwereketsa galimoto yatsopano kukhala kovuta.
Ngakhale wogulitsa akhoza kukhala ndi malire chifukwa cha chiwerengero chanu chochepa kwambiri, ndikofunika kukumbukira kuti muli ndi zosankha. Kubwereketsa galimoto kudzakhala kovuta kwambiri chifukwa cha ngongole yanu, koma siziyenera kukhala zosatheka kapena zosasangalatsa.
Kuchita homuweki pasadakhale kungapangitse kuti ntchitoyi ikhale yosavuta komanso kukulitsa mwayi wanu wopeza ndalama zomwe zimakusangalatsani inu ndi wogulitsa.
Tiyeni tiwone njira zingapo zopangira kukwera galimoto yamaloto kukhala yeniyeni, ziribe kanthu kuti muli ndi ngongole.
Gawo 1 la 4: Dziwani zomwe mukukumana nazo
Mukufuna kupita ku malo ogulitsa mutadziwa. Kudziwa ngongole yanu molondola kudzakupulumutsani zodabwitsa mukamagunda pansi ogulitsa. Izi ndi zomwe muyenera kudziwa pazambiri za FICO:
Lipoti laulere langongoleA: Aliyense ali oyenera kulandira lipoti laulere langongole kuchokera ku imodzi mwamabungwe atatu angongole chaka chilichonse. Lumikizanani ndi Experian, Equifax kapena TransUnion kuti mupeze lipoti lanu. Mutha kupezanso kopi kuchokera patsamba la AnnualCreditReport.
Kodi muli chiyaniA: Chiwongola dzanja kapena FICO ndi muyeso chabe wa kuyenera kwanu. Ngongole zonse zaposachedwa komanso zam'mbuyomu zidzafotokozedwa mwatsatanetsatane mu lipotilo. Izi zikuphatikiza maakaunti a kirediti kadi, ngongole zanyumba, ndi ngongole zilizonse kapena zobwereketsa. Idzazindikiranso zolipira mochedwa kapena zomwe zaphonya, kubweza ngongole, ndi kulanda katundu.
- Zotsatira zanu zimawerengedwa pogwiritsa ntchito algorithm yaumwini, chifukwa chake zitha kusiyanasiyana pang'ono kutengera ofesi ya ngongole. Lingalirani zopeza malipoti kuchokera ku mabungwe onse atatu kuti muwonetsetse kuti onse ali ndi data yofanana. Onaninso lipoti lanu la ngongole mosamala, ndipo ngati mutapeza zolakwika, funsani bungwe lopereka malipoti mwamsanga kuti likonze.
| Ndalama za ngongole za FICO | |
|---|---|
| Akaunti | Kuwerengera |
| 760 - 850 | Прекрасно |
| 700 - 759 | Yandikirani |
| 723 | Chigoli chapakati pa FICO |
| 660 - 699 | Zabwino |
| 687 | Chigoli chapakati pa FICO |
| 620 - 659 | Zosakhala bwino |
| 580 - 619 | Zosakhala bwino |
| 500 - 579 | Zoipa kwambiri |
Zikutanthauza chiyaniA: Zolemba za ngongole zimachokera ku 500 mpaka 850. Chiwerengero cha ogula ku US ndi 720. Zotsatira pamwamba pa 680-700 zimatengedwa ngati "zambiri" ndipo zimatsogolera ku chiwongoladzanja chabwino. Ngati mphambu yanu igwera pansi pa 660, idzatengedwa ngati "sub-prime", kutanthauza kuti mudzalipira chiwongola dzanja chambiri chobwereketsa galimoto. Akaunti yanu ikatsika pansi pa 500, zidzakhala zovuta kupeza mtundu uliwonse wa renti.
Zolemba zanu zokha ndizofunikira: Ogulitsa magalimoto sayang'ana lipoti lanu la ngongole; adzakoka akaunti yanu yokha.
Gawo 2 la 4: Momwe ngongole imakhudzira kubwereketsa galimoto
Kutsika kwangongole kumakhudzanso kubwereketsa galimoto m'njira zosiyanasiyana. Nazi njira zingapo zomwe kugoletsa kwanu kungapangitse zinthu kukhala zovuta kwambiri:
Zotsatira 1: Malipiro apamwamba / kusungitsa. Popeza mumaonedwa kuti ndinu owopsa, kampani yazachuma ikufuna kuti mukhale ndi zikopa zambiri pamasewera. Khalani okonzeka kulipira malipiro apamwamba kwambiri kuposa ogula omwe ali ndi "prime" credit score. Obwereketsa ambiri amapempha osachepera 10% kapena $1,000, chilichonse chomwe chili chapamwamba.
Zotsatira 2: chiwongola dzanja chokwera. Chiwongoladzanja chabwino kwambiri chimasungidwa kwa ogula omwe ali ndi ngongole zabwino za ngongole, kotero ogula "subprime" adzalipira ndalama zambiri. Chiwongola dzanja chidzasiyana malinga ndi wobwereketsa, ndipo apa ndipamene kugula ndalama zanu kungapangitse kusiyana kwakukulu.
Muziona zinthu moyenera. Ngongole yotsika imatha kukhudza kuchuluka kwa magalimoto omwe mungabwereke. Samalani pamene mukugula galimoto ndipo onetsetsani kuti ndi galimoto yotsika mtengo. Kulipira kophonya kumangowonjezera mkhalidwe wanu wangongole.
Galimoto yomwe mwavomerezedwa kuti mubwereke singakhale ulendo wamaloto anu, koma ngongole yanu ikakonzedwa, mutha kugula galimoto yatsopano kapena kuikonzanso ndi chiwongola dzanja chochepa.
Gawo 3 la 4: Pezani Ndalama, Kenako Pezani Galimoto
Chowonadi ndi chakuti kupeza ndalama zotsika mtengo kumakhala kovuta kwambiri kuposa kutsata kukwera koyenera. Ganizirani njira zonse mukafuna ndalama.
Gawo 1: ImbaniA: Ngakhale ogulitsa ambiri amayesa kukupambanani, ambiri adzakhala oona mtima ndi inu za mwayi wanu wovomerezeka.
Kuti mudziwe momwe zinthu zilili poipa, imbirani ogulitsa angapo, fotokozani zomwe zikuchitika, auzeni mitengo yomwe ingakukwanireni, ndipo ingowafunsani kuti mwayi wanu wovomerezeka ndi wotani.
Gawo 2: Pezani zikalata zanu mwadongosolo: Mbiri yanu yangongole idzadzetsa nkhawa, chifukwa chake tengani zolemba zambiri ngati zosunga zobwezeretsera:
Zina mwazolemba zomwe muyenera kubweretsa kuti mutsimikizire kuti mumapeza ndalama zikuphatikizapo ndalama zolipirira, Fomu W-2, kapena Fomu 1099.
Bweretsani zikalata zakubanki, ndalama zothandizira, mapangano obwereketsa, kapena chikalata chanyumba ngati umboni wokhalamo. Mukakhala nthawi yayitali pa adilesi yanu yamakono, zimakhala bwino.
Khwerero 3: Gulani ku DealershipsA: Makampani azachuma amawunika zoopsa mosiyana, kotero cholinga chanu ndikupeza kampani yazachuma yomwe ikugwirizana ndi ziwopsezo zanu.
Mabizinesi nthawi zambiri amagwira ntchito ndi obwereketsa "sub-prime" omwe ali okonzeka kupereka ndalama zobwereketsa kwa makasitomala omwe ali ndi ngongole yoyipa.
- Ntchito: Mukamagula m'malo ogulitsa, bweretsani lipoti lanu la ngongole. Nthawi iliyonse wogulitsa akukuchotserani ngongole, amakupangitsani kuti muwonjezeke pang'ono. Tsoka ilo, mafoni awa amatha kuwononga kwambiri ngati mutagunda ogulitsa ambiri. Lolani wogulitsa akuchotsereni ngongole ngati mukutsimikiza zamalondawo.
Gawo 4. Gwiritsani ntchito dipatimenti yapaintaneti ya ogulitsa.A: Mukhozanso kugula pa intaneti kumalo ogulitsira.
Pogwiritsa ntchito tsamba ngati Edmunds.com, mutha kutumiza zopempha za ma manejala apa intaneti pamabizinesi osiyanasiyana am'deralo nthawi imodzi.
Mukalandira mtengo wamtengo wapatali, tumizani imelo ndi pempho la kubwereketsa.
Izi zimapangitsa kuti zikhale zosavuta kufananiza mitengo yobwereketsa pamabizinesi osiyanasiyana.
Gawo 5: KonzekeraniA: Mosasamala kanthu za ngongole yanu, nthawi zonse ndi bwino kukonzekera kubwereka galimoto.
Fufuzani galimoto yomwe mukuikonda ndikuwonanso matanthauzo a Kelley Blue Book kuti mudziwe mtengo wake.
- Ntchito: Musanatseke malonda pa galimoto yogwiritsidwa ntchito, ndi bwino kupeza makanika odalirika kuti ayang'ane kuti pasakhale zodabwitsa mutasiya malo. Ngati muli ndi kukayikira za momwe galimotoyo ilili kapena mgwirizano, pitirizani kuyang'ana.
Gawo 6: Pezani Ndalama: Ogulitsa magalimoto ndi anzawo omwe amapereka ndalama si okhawo omwe amapereka ngongole zamagalimoto.
Izi ndi zoona makamaka kwa obwereketsa magalimoto omwe ali ndi ngongole zosakwanira. Obwereketsa omwe amagwiritsa ntchito ngongole za "subprime" akhoza kukhala njira yotsika mtengo. Gulani ngongole yanu ndi obwereketsawa kuti muwone zomwe zilipo kwa inu.
- NtchitoA: Kumbukirani kuti pali njira zina. Wogulitsa magalimoto amene amagwiritsa ntchito mbiri yanu yangongole kuti akuchitireni zoyipa si munthu amene mukufuna kuchita naye bizinesi. Osavomereza zomwe simukukondwera nazo kapena simungakwanitse.
Gawo 4 la 4. Ganizirani njira zina
Ngati simungapeze mgwirizano womwe umapangitsa kuti pakhale ndalama, mungafune kuganizira zina. Kaya ndikubwereka galimoto, kugula galimoto kwa mnzanu kapena wachibale, kapena kukwera basi kwa nthawi yayitali, kuganiza kunja kwa bokosi kungakhale kofunikira.
Njira 1: pezani wotsimikiziraA: Iyi ikhoza kukhala njira yovuta.
guarantor ndi munthu yemwe ali ndi ngongole yabwino ndipo ali wokonzeka kusaina ngongole yanu. Wothandizira akhoza kukhala bwenzi kapena wachibale.
Kumbukirani kuti izi zidzawaika pachiwopsezo cha malipiro ngati simukuwapanga. Chifukwa chake, ichi si mgwirizano womwe uyenera kulowetsedwa mopepuka ndi gulu lililonse.
Kuti mukhale wobwereka nawo galimoto yobwereka, muyenera:
Ngongole zosachepera 700 kapena kupitilira apo.
Umboni wa kuthekera kwawo kusewera, kuphatikiza zolipira kapena ma voucha olipira, kapena kubweza msonkho kwa omwe adzilemba okha ngongole.
Kukhazikika kokhazikika komanso chidziwitso chantchito. Monga munthu amene amasaina kubwereketsa, obwereketsa amakonda osunga ndalama omwe akhala ndikugwira ntchito pamalo amodzi kwa nthawi yayitali.
Njira 2: Lingalirani renti: Mutha kutenga lendi yomwe ilipo.
Kumeneku kumatchedwa kusamutsidwa kwa lease kapena kulingalira kwa lendi.
Kwenikweni, mukulipira ndalama zobwereketsa kwa munthu yemwe akufunika kutuluka pagalimoto yobwereketsa.
Ngakhale ngongole yanu idzayang'aniridwa, zofunikira sizili zolimba ngati ngongole yagalimoto kapena kubwereketsa kwatsopano. Pitani ku Swapalease.com kuti mudziwe za renti zomwe zikupezeka mdera lanu.
Njira Yachitatu: Konzani Ngongole Yanu: Chowonadi ndi chakuti kukonza ngongole yanu si njira yachangu komanso yosavuta, koma imatha kuchitika.
Kulipira mabilu anu munthawi yake kuyenera kukhala chinthu chofunikira kwambiri kwa inu.
Nazi njira zina zowonjezera kusanja kwanu:
Lipirani mabanki akuluakulu a kirediti kadi. Kusiyana pakati pa kusanja kwanu ndi malire a khadi ndi chinthu chofunikira kwambiri pakugoletsa kwanu.
Kutsegula akaunti yatsopano ya kirediti kadi ndikulipira ndalama zonse mwezi uliwonse. Izi zikuwonetsa kuti mutha kukhala ndi udindo pangongole ndikuwongolera magole anu.
NtchitoA: Ngati muli ndi ngongole yochepa kwambiri, ganizirani za kirediti kadi yotetezedwa. Makhadi amenewa amafuna chikole, koma angathandize kwambiri kukonza ngongole imene yawonongeka kwambiri.
Kubwereka galimoto yokhala ndi ngongole yoyipa ndizovuta, koma ndizotheka. Zidzatengera kafukufuku, kugula, ndi kuleza mtima kuti mupeze mgwirizano womwe umakuthandizani komanso bajeti yanu. Mukangotseka mgwirizano ndikugunda msewu, ntchito yonse idzakhala yoyenera.
