Momwe mungagulire galimoto ngati mulibe umboni wopeza ndalama

Mukafunsira ngongole yamagalimoto, obwereketsa ambiri amafuna umboni wa ndalama. Ngati simungathe kupereka umboniwu chifukwa mulibe ntchito kapena ndinu wodzilemba ntchito, zosankha zanu ndizochepa. Komabe, ndizotheka…

Mukafunsira ngongole yamagalimoto, obwereketsa ambiri amafuna umboni wa ndalama. Ngati simungathe kupereka umboniwu chifukwa mulibe ntchito kapena ndinu wodzilemba ntchito, zosankha zanu ndizochepa. Komabe, mutha kugulabe galimoto ngakhale mulibe umboni wopeza ndalama mukatsata njira zina.

Njira 1 ya 5: Kulipira ndalama

Mwa zosankha zomwe zilipo pogula galimoto popanda umboni wa ndalama, kulipira ndalama ndikosavuta. M'malo moyang'ana wobwereketsa wofunitsitsa kulipira ndiyeno kumupatsa ndalama kapena njira ina yotsimikizira wobwereketsayo kuti muli ndi kuthekera kolipira, mumangogula galimotoyo nthawi yomweyo. Inde, mukuyenera kusaina mapepala onse ofunikira ndikulipira msonkho pagalimoto, koma mbali zambiri, mutangolipira galimotoyo, ndi yanu.

1: Sungani ndalama. Gawo lalikulu la kulipira ndi ndalama ndikusunga ndalama. Njira yosavuta yosungira ndalama ndikuyika ndalama zogulira galimoto mu akaunti yosungira.

Gawo 2: Pitani kwa wogulitsa. Mukakhala ndi ndalama zokwanira, pitani kumalo ogulitsa magalimoto kapena kwa munthu wamba ndipo mupereke kugula galimoto.

Onetsetsani kuti mwatsiriza njira zina zonse zofunika pogula galimoto, kuphatikizapo kuona mbiri ya galimotoyo, kutenga galimotoyo kuti ikayesedwe, komanso kuti iwunikenso ndi makaniko.

Gawo 3: Lembani cheke. Zonse zikakwaniritsidwa, lembani cheke kwa wogulitsa kapena kwa munthu wina kuti mulipire mtengo wonse wagalimotoyo.

Kenako muyenera kusaina zikalata zonse zofunika ndikusamutsa umwini wagalimotoyo ku dzina lanu.

Njira 2 mwa 5: Yang'anani ngongole popanda umboni wa ndalama

Obwereketsa ambiri alipo kuti alipirire ndalama zogulira magalimoto anu, kuphatikiza omwe ali kunja kwa mzinda kapena dera lanu. Mutha kupeza obwereketsa ambiri pa intaneti, ndikukupatsani mwayi wopeza ndalama zambiri.

Gawo 1: Pezani ngongole zamagalimoto pa intaneti. Yang'anani obwereketsa odziwika omwe ali ndi rating yabwino ya Better Business Bureau.

Gawo 2: Onani Mitundu Yosiyanasiyana ya Ngongole. Onani zinthu zosiyanasiyana zangongole patsamba ngati AutoLoans kuti muwone zomwe zimasinthasintha komanso sizifuna umboni wa ndalama. Nthawi zambiri amatchedwa "ngongole zopanda umboni wa ndalama."

Gawo 3: Ikani pa intaneti. Lemberani kugwiritsa ntchito zida zilizonse zapaintaneti zomwe wobwereketsa amapereka. Zina mwazolemba zomwe obwereketsa amafuna m'malo mwa umboni wa ndalama ndi:

• Makope amisonkho kwa zaka ziwiri zapitazi
• Chiphaso chovomerezeka choyendetsa
• Nambala yanu yachitetezo cha anthu
• umboni wa inshuwaransi
• Kope la chikalata chaposachedwa cha banki kuchokera ku akaunti yapano.

Njira 3 mwa 5: Sungani kuti mubweze ndalama zambiri

Obwereketsa omwe ali ndi mawu osinthika nthawi zambiri amafuna kuti mukhale ndi malipiro okulirapo. Izi zimachepetsa chiopsezo chawo kuti simungathe kulipira ngongole. Kuphatikiza pa kugwiritsa ntchito malonda, mutha kupereka ndalama ngati malipiro ochepa.

Gawo 1: Lipirani zambiri ndi ndalama. Peresenti yolipira ndalama zambiri, monga 10% kapena 20%. Izi zimapatsa wobwereketsa ndalama zambiri zomwe amaika patsogolo pa ngongoleyo, ndipo zikutanthauza kuti muyenera kulipira pang'ono, ndikupangitsa kuti mutero.

Khwerero 2: Yang'anani chizindikiro chamtengo pansipa $10,000.. Yang'anani galimoto yotsika mtengo kapena galimoto yogwiritsidwa ntchito yochepera $10,000.

Kuti muchite izi, mutha kupita kumasamba ambiri ogulitsa magalimoto pa intaneti, kapena masamba ngati cars.com kapena auto.com.

Posankha mtundu wagalimoto yomwe mukufuna, sankhani mtengo wokwanira $10,000. Kukonzekera uku kungagwire ntchito bwino chifukwa muyenera kulipira pang'ono, zomwe zimapangitsa kuti pakhale mwayi wolephera kubweza ngongole yanu.

Gawo 3: Landirani chiwongola dzanja chokwera. Khalani okonzeka kuvomera chiwongola dzanja chokwera kapena kubwereketsa kwakanthawi kochepa.

• ChenjeraniYankho: Ngongole yokhala ndi chiwongola dzanja chokwera imatanthauza kubweza ndalama zambiri kwa wobwereketsayo.

Ngongole yanthawi yochepa imatanthauza kuti muyenera kulipira mwachangu.

Njira 4 mwa 5: kugwiritsa ntchito chikole

Obwereketsa ambiri amafunsa za malipiro kuti atsimikizire zomwe mumapeza. Zikatero, mukhoza kupereka ndalama mu mawonekedwe a zinthu zofunika pafupi kapena kuposa mtengo wa galimoto mukufuna kugula.

Gawo 1: Konzani ndalama zanu. Kuti mugwiritse ntchito chikole, choyamba muyenera kuwonetsa umwini wazinthu zina zomwe mungagwiritse ntchito ngati chikole. Zinthu zomwe mungagwiritse ntchito ngati chikole ndi:

• Maina agalimoto
• Zogulitsa nyumba
• Malipoti a akaunti ya ndalama
• Ma risiti a makina ndi zida
• Malipoti a Investment
• Ndondomeko za inshuwaransi
• Zamtengo wapatali ndi zosonkhanitsidwa

• Malipiro aliwonse amtsogolo kuchokera kwa makasitomala anu ngati muli ndi bizinesi

• NtchitoA: Ngati mulibe ntchito koma mukhoza kulipira ngongole m'njira zina, monga malipiro a alimony kapena olumala, muyeneranso kutsimikizira zikalatazi. Nthawi zambiri zimakhala zothandiza kukhala ndi miyezi ingapo yolipira galimoto kubanki kapena ku akaunti yosungira ndalama ndi ndalama zambiri.

Ngati mukufuna kugwiritsa ntchito chidutswa cha katundu kapena galimoto ina ngati chikole, wobwereketsa adzatenga ngongole. Izi zimapatsa wobwereketsa ufulu wosunga katundu wanu ngati mwalephera kubweza ngongoleyo.

• KupewaYankho: Kumbukirani kuti, malinga ndi malamulo aboma, muli ndi masiku atatu oletsa ngongole popanda chilango. Mukaletsa ngongole, kumbukirani kuti masiku ogwirira ntchito akuphatikizapo Loweruka, osati Lamlungu kapena maholide.

Njira 5 mwa 5: Pezani guarantor

Chitsimikizo ndi njira ina yopezera ngongole popanda umboni wa ndalama. Koma onetsetsani kuti mwabweza ngongole iliyonse yomwe muli ndi guarantor, kapena iwo adzakhala ndi udindo pa zomwe muli nazo pa ngongoleyo.

Gawo 1: Pezani wodalirika. Funsani wachibale wanu kuti asayinire nanu ngongole yagalimoto. Onetsetsani kuti ali ndi umboni wa ndalama ndipo ali okonzeka kukhala otsimikizira. guarantor ndi munthu amene ali ndi udindo pa ngongole yanu ngati pazifukwa zina simukulipira.

Onetsetsani kuti wothandizira wanu akudziwa udindo wawo. Ena omwe ali ndi guarantors sangadziwe kuti adzakhala ndi udindo pa ndalama zomwe mwabwereka ngati simulipira pa nthawi yake.

Gawo 2: Pezani wobwereketsa. Pezani wobwereketsa yemwe ali wokonzeka kuvomereza guarantor ngati gwero lokhalo lopezera ngongole yanu. Kumbukirani kuti wobwereketsayo adzayang'ana kuti wobwereketsayo ali ndi ngongole, choncho pezani munthu amene ali ndi ngongole yabwino kuti akusayinireni.

Kupeza wobwereketsa yemwe angakupatseni ngongole yagalimoto pomwe mulibe umboni wopeza ndalama zingawoneke zosatheka, koma mwamwayi muli ndi njira zingapo zomwe mungabwerere. Njira zobwerera m'mbuyozi zikuphatikizapo kupeza guarantor, kugwiritsa ntchito chikole, kulipira malipiro apamwamba, kapena kulipira galimoto kutsogolo. Ingokumbukirani kuyang'ana galimoto musanagule.