Momwe mungachotsere ngongole yagalimoto
Zamkatimu
Mukagula galimoto, koma mulibe ndalama zogulira zonse, mutha kutenga ngongole kudzera kubanki kapena wobwereketsa. Mumalipira ndalama zomwe ziyenera kulipidwa molingana ndi mgwirizano wamalonda womwe mwagwirizana. Mgwirizano wa ngongole uli ndi...
Mukagula galimoto, koma mulibe ndalama zogulira zonse, mutha kutenga ngongole kudzera kubanki kapena wobwereketsa. Mumalipira ndalama zomwe ziyenera kulipidwa molingana ndi mgwirizano wamalonda womwe mwagwirizana.
Pangano la ngongole lili ndi zinthu zambiri zogulitsa, kuphatikiza:
- Nthawi yangongole
- Kuchuluka kwa malipiro anu
- Ndondomeko yolipira (sabata iliyonse, biweekly kapena mwezi uliwonse)
Pali zinthu zingapo zomwe zingabwere pamene mungafune kulipira ngongole ya galimoto yanu kapena kuti wina akutengereni galimoto yanu. Izi zikuphatikizapo:
- Simungathenso kulipira galimoto
- Kufuna galimoto ina
- Kusamukira komwe simukufuna galimoto
- Kulephera kuyendetsa pazifukwa zachipatala
Ziribe chifukwa chomwe mukufuna kuchotsa ngongole ya galimoto yanu, pali njira zingapo zothetsera vutoli.
Njira 1 mwa 3: perekani ngongole
Izi zingawoneke ngati yankho losavuta, koma anthu ambiri omwe ali ndi ngongole sadziwa zambiri. Kugula galimoto n'kovuta kwambiri, ndipo ndizotheka kuti zambiri ziiwale kapena kusafotokozedwa mokwanira mu chisangalalo cha kugula galimoto.
Gawo 1. Lumikizanani ndi wobwereketsa wanu. Dziwani kuti muli ndi ngongole zingati pa ngongole yagalimoto yanu.
Ngongole zambiri zamagalimoto ndi ngongole zotseguka ndipo zitha kubwezedwa nthawi iliyonse.
Ngati muli ndi ndalama zolipirira galimoto yanu, kaya ndi bonasi yantchito kapena cholowa, nthawi zambiri mumatha kulankhulana ndi wobwereketsa wanu ndikukonza zoti ngongoleyo ilipire zonse.
Gawo 2: Lipirani ngongole. Mukakhala ndi ndalama zokwanira, pangani nthawi yokumana ndi wobwereketsa ndikulipira galimotoyo.
Kubweza koyambirira kwa ngongole yagalimoto kumakupatsani mwayi wosunga chiwongola dzanja pa ndalama zomwe mwapeza. Zimamasulanso ndalama zomwe mumapeza, zomwe zimakhala zothandiza ngati mukufunsira ngongole.
Chiŵerengero chanu cha ngongole-ku-servicing chachepetsedwa kwambiri, kukupangani kuti muwoneke bwino pamaso pa wobwereketsa.
Njira 2 mwa 3: pezani wogula
Ngongole zamagalimoto zimatengera kuchuluka kwangongole kwa wogula komanso kuthekera kwawo kubweza ngongoleyo. Obwereketsa sangasamutsire ngongole yagalimoto kwa munthu wina popanda kudziwa kuti ali oyenera kulandira ndalama.
Banki idzafunika:
- Tsimikizirani kuti wogula ndi ndani
- Chitani cheke cha ngongole
- Tsimikizirani ndalama za wogula
- Malizitsani mgwirizano wa ngongole ndi wogula
- Chotsani kumangidwa pamutu wagalimoto yanu.
Zomwe muyenera kuchita ndi izi:
Khwerero 1: Dziwani ndalama zomwe mwabweza ngongole zamagalimoto. Imbani wobwereketsa wanu ndikufunsani ndalama zomwe zabweza ngongoleyo. Izi ndi ndalama zotsala zomwe muyenera kulipira.
- NtchitoA: Ngati muli ndi ngongole yoposa yomwe mukuyembekezera kuchokera kugulitsa galimoto, mukhoza kuwonjezera ndalama kuchokera ku akaunti yanu yakubanki mutagulitsa galimoto kuti mulipire ngongole yonse. Ngongole yobwereketsa galimoto kuposa mtengo wagalimoto yanu imatchedwa "negative equity."
Gawo 2: Lengezani galimoto yanu yogulitsa. Muyenera kugulitsa galimoto yanu potumiza zotsatsa zomwe zimayang'ana ogula.
- NtchitoYankho: Mungagwiritse ntchito mawebusaiti pa intaneti monga Craigslist, AutoTrader, kusindikiza malonda mu gawo la nyuzipepala ya kwanuko, kapena kusindikiza mapepala a zikwangwani pa bolodi la anthu ammudzi.
3: Kambiranani za mtengo wogulira ndi munthu amene angagule. Kumbukirani kuti muyenera kulandira ndalama zina kuti mubweze ngongoleyo.
Gawo 4: Lembani bilu yogulitsa. Malizitsani bilu yogulitsa ndi wogula pamtengo womwe mwagwirizana nawo.
- ChenjeraniA: Onetsetsani kuti bilu yogulitsa ili ndi mauthenga a onse awiri, kufotokozera galimoto, ndi nambala ya VIN ya galimotoyo.
Gawo 5. Lumikizanani ndi wobwereketsa wanu. Adziwitseni kuti mukugulitsa galimoto yanu ndipo muyenera kukonza zochotsa ndalamazo pagalimoto yanu.
Liens ndi ufulu wa galimoto ya wobwereketsa pamene malipiro a ngongole akadali kupangidwa.
Woyang'anira ngongole adzayang'ananso tsatanetsatane wa kugulitsa ndikumasula chikole pamene bilu yogulitsa ikukonzekera.
Gawo 6: Landirani ndalama zonse kuchokera kwa wogula. Ngati wogula akulipira galimoto yanu, adzafunika kupeza ndalama kuchokera ku bungwe la ngongole.
Akalandira ngongole, adzafunika kukulipirani ngongoleyo.
Kulipira kwawo pamagalimoto kumatha kukhala kosiyana kwambiri ndi kulipira kwanu kutengera njira zambiri, kuphatikiza:
- Nthawi yomwe adasankha
- Chiwongola dzanja chomwe adalandira kuchokera kwa wobwereketsa wawo
- Mtengo wa malipiro awo
Gawo 7: Lipirani ngongole. Bweretsani ngongole yonse kwa wobwereketsa wanu, amene adzachotsa ngongoleyo ngati yalipidwa zonse.
Pambuyo polipira ngongole yonse, simudzafunikanso kulipira galimotoyo!
Njira 3 mwa 3: Kugulitsa galimoto yanu
Ngati muli ndi ndalama zokwanira m'galimoto yanu, mutha kusinthanitsa ndi galimoto yamtengo wapatali ndikuchokapo osalipira.
Gawo 1: Dziwani kuchuluka kwa galimoto yanu. Lumikizanani ndi wobwereketsa wanu ndikufunsani kuchuluka kwa dipo limodzi ndi chindapusa chobweza.
2: Dziwani mtengo wagalimoto yanu. Onani mtengo wobwereketsa wagalimoto yanu patsamba la Kelley Blue Book.
Lowetsani molondola zagalimoto yanu ndi magawo olondola komanso mtunda wolondola. Webusaitiyi ipanga chiŵerengero chotengera chitsanzo, chaka, mtunda ndi momwe galimotoyo ilili.
Sindikizani zotsatira ndikupita nazo mukapita ku malo ogulitsa.
Gawo 3. Lankhulani ndi wogulitsa kapena woyang'anira. Dziwani momveka bwino za cholinga chanu chobwereka galimoto yanu kwa ogulitsa ndikugula galimotoyo popanda ngongole.
Khwerero 4: Onetsani galimoto yanu ndi woyang'anira malonda. Mukabweretsa galimoto yanu kumalo ogulitsa kumene mukufuna kugulitsa galimoto yanu, woyang'anira malonda adzayesa mtengo wa galimoto yanu.
- NtchitoYankho: Pakadali pano, muyenera kuyesa kukambirana za mtengo wabwino kwambiri wagalimoto yanu. Muyenera kugwiritsa ntchito kusindikiza kwa bukhu la buluu la Kelley kuti muthandizire malo anu pamtengo wagalimoto.
Kusiyana pakati pa mtengo woyengedwa wagalimoto yanu ndi kubweza ngongole yonse ndi ndalama zomwe muyenera kuwononga pagalimoto ina.
Mwachitsanzo, ngati malipiro anu a ngongole ndi $ 5,000 ndipo galimoto yanu ndi yamtengo wapatali $ 14,000, mukhoza kufufuza galimoto yamtengo wapatali $ 9,000 kuphatikizapo msonkho ndi malipiro.
Gawo 5: Sankhani galimoto. Sankhani galimoto yomwe mukufuna kusintha.
Zosankha zanu zitha kukhala zochepa ndipo mungafunike kusankha galimoto yazaka zingapo kapena yomwe ili ndi ma mileage ambiri.
Gawo 6: Lembani zikalata. Malizitsani zikalata ndi wogulitsa kuti mugulitse galimoto yanu kukhala yovomerezeka.
Pamgwirizano wanu wogula, wogulitsa adzakulipirani ngongole yanu ndikutenga galimoto yanu yogulitsa, ndipo mudzalandira galimoto yanu yatsopano popanda ngongole.
Potsatira njira iliyonse yomwe ili pamwambayi, mudzatha kuchotsa udindo wowonjezera malipiro anu pa ngongole ya galimoto yanu. Ngati mukufuna kuwonetsetsa kuti galimoto yanu ili ndi mtengo wapamwamba kwambiri panthawi yogulitsa kapena kusinthanitsa, mutha kuyang'ana galimoto yanu ndi makina ovomerezeka a AvtoTachki. Atha kubwera pamalo anu kuti atsimikizire kuti kukonza zonse pagalimoto yanu kwatha komanso kuti galimotoyo ikuyenda bwino kwa mwiniwake watsopano ikagulitsidwa kapena kugulitsidwa.
