Momwe mungapezere chiwongola dzanja chabwino kwambiri chagalimoto

Nthawi zambiri simudzakhala ndi malipiro athunthu ikafika nthawi yogula galimoto. Ngongole zamagalimoto zilipo kuti zikuthandizeni kugula galimoto ndi ndalama zomwe mwabwereketsa kudzera pamzere wangongole kapena kubanki. Mutha kubwereketsa ngongole yagalimoto kaya mukugula galimoto yatsopano kumalo ogulitsira, galimoto pamalo oimikapo magalimoto akale, kapena galimoto yogwiritsidwa ntchito kale.

Ngakhale zingakhale zophweka kungovomereza zilizonse zomwe zaperekedwa kwa inu kwa nthawi yoyamba chifukwa ndinu okondwa ndi galimoto yanu yatsopano, mukhoza kusunga ndalama zambiri ngati muyerekezera chiwongoladzanja cha ngongole ya galimoto komanso zobweza. Ndipo kwa iwo omwe ali ndi mbiri yoyipa yangongole kapena ayi, ndizothandiza kudziwa njira zobwereketsa.

Gawo 1 la 4: Khazikitsani Bajeti Yolipira Ngongole Yagalimoto

Mukagula galimoto, muyenera kudziwa kuyambira pachiyambi pomwe ndalama zomwe mungagwiritse ntchito pagalimoto.

Gawo 1. Dziwani kuchuluka kwa ndalama zomwe muyenera kulipira galimotoyo.. Ganiziraninso zandalama zanu zonse, kuphatikiza kulipira lendi kapena kubwereketsa nyumba, ngongole za kirediti kadi, mabilu amafoni, ndi mabilu othandizira.

Wobwereketsa wanu akhoza kuwerengera chiŵerengero cha utumiki wa ngongole kuti adziwe kuchuluka kwa ndalama zomwe mungagwiritse ntchito polipira galimoto.

Gawo 2: Sankhani ndondomeko yolipira. Sankhani ngati mukufuna kulipira ngongole yagalimoto yanu sabata iliyonse, biweekly, semiannually, kapena pamwezi.

Ena obwereketsa sangapereke njira zonse.

• NtchitoA: Ngati muli ndi ndalama zina zomwe zakonzedwa tsiku loyamba la mwezi uliwonse, mungafune kulipira galimoto yanu pa 15 mwezi uliwonse kuti muthe kusintha ndalama.

Khwerero 3. Dziwani kuti ndi nthawi yochuluka bwanji yomwe mukufuna kulipira galimoto yatsopano.. Obwereketsa ena amapereka mwayi wogula galimoto yatsopano kapena yogwiritsidwa ntchito kwa zaka zisanu ndi ziwiri kapena zisanu ndi zitatu.

Nthawi yotalikirapo yomwe mungasankhe, mudzalipiranso chiwongola dzanja chochulukirapo panthawiyi - mwachitsanzo, mutha kulandira ngongole yopanda chiwongola dzanja kwa zaka zitatu, koma zaka zisanu ndi chimodzi kapena zisanu ndi ziwiri zitha kukhala 4%. .

Gawo 2 la 4: Dziwani njira yabwino kwambiri yopezera ndalama pogula galimoto yatsopano

Mukagula galimoto yatsopano kwa ogulitsa, mumakhala ndi mwayi wambiri pankhani yopezera ndalama. Kupeza njira yanu kudutsa kusakaniza sikuyenera kukhala kosokoneza.

Gawo 1. Dziwani za njira zobweza. Funsani njira zina zakubweza kwa wamalonda wanu kapena wothandizila azachuma.

Mudzapatsidwa njira imodzi kapena ziwiri pakubweza ngongole yagalimoto, koma zosankhazi sizingakhale zopindulitsa kwambiri pazochitika zanu.

Funsani nthawi yayitali komanso ndondomeko zina zobweza.

Gawo 2. Funsani kuchotsera ndi kuchotsera. Funsani zambiri za kuchotsera ndalama ndi mitengo yangongole yosaperekedwa.

Ngongole zamagalimoto zatsopano nthawi zambiri zimakhala ndi chiwongola dzanja chothandizira, kutanthauza kuti wopanga amagwiritsa ntchito wobwereketsa kuti apereke chiwongola dzanja chotsika kuposa momwe mabanki ambiri angapereke, ngakhale otsika mpaka 0%.

Ambiri opanga - makamaka kumapeto kwa chaka chachitsanzo akuyandikira - amapereka makasitomala chilimbikitso chachikulu chandalama kuti awalimbikitse kugula zinthu zawo.

Kuphatikizira kuchotsera ndalama ndi chiwongola dzanja chosathandizidwa kungakupatseni njira yabwino yolipirira ndi chiwongola dzanja chochepa kwambiri.

Chithunzi: Biz Calcs

Gawo 3: Dziwani mtengo wonse wagalimoto yanu yatsopano. Funsani za ndalama zonse zomwe zaperekedwa pautali wa nthawi iliyonse yomwe mukuganizira.

Ogulitsa ambiri amazengereza kukuwonetsani izi chifukwa mtengo wogula ndi chiwongola dzanja ndi wokwera kwambiri kuposa mtengo wa zomata.

Yerekezerani ndalama zonse zomwe zaperekedwa pa teremu iliyonse. Ngati mungathe kulipira, sankhani nthawi yomwe imapereka malipiro otsika kwambiri.

Gawo 4: Ganizirani kugwiritsa ntchito wobwereketsa osati wogulitsa magalimoto. Ogulitsa magalimoto amagwiritsa ntchito obwereketsa ndi mitengo yabwino nthawi zambiri, koma nthawi zambiri mumatha kupeza mitengo yapamwamba kunja kwa ogulitsa, makamaka ndi mzere wangongole.

Gwiritsani ntchito chiwongola dzanja chochepa chomwe mwapeza kuchokera ku bungwe lanu lobwereketsa pamodzi ndi kuchotsera ndalama kuchokera kwa ogulitsa ngati njira yomwe ingakhale ndi njira zabwino zobweza zonse.

Gawo 3 la 4: Dziwani chiwongola dzanja chabwino kwambiri chogulira galimoto yogwiritsidwa ntchito

Kugula magalimoto ogwiritsidwa ntchito sikudalira mitengo yangongole ya opanga. Nthawi zambiri, mitengo yandalama zamagalimoto ogwiritsidwa ntchito imatha kukhala yokwera kuposa mitengo yatsopano yamagalimoto, komanso nthawi yayitali yobwezera, chifukwa imayimira ndalama zowopsa kwa wobwereketsa. Mutha kupeza chiwongola dzanja chabwino kwambiri pogula galimoto yogwiritsidwa ntchito, kaya mukugula kwa ogulitsa magalimoto kapena ngati malonda achinsinsi.

Khwerero 1: Landiranitu ngongole zamagalimoto ndi bungwe lanu lazachuma. Landiranitu chilolezo musanalowe mgwirizano wogula galimoto yomwe yagwiritsidwa kale ntchito.

Ngati mwavomerezedwa kale, mutha kukambirana ndi chidaliro kuti mupeze mtengo wabwinoko kwina kulikonse, podziwa kuti mutha kubwereranso ku ngongole yomwe idavomerezedwa kale.

2: Gulani ndi chiwongola dzanja chabwino kwambiri. Onani obwereketsa am'deralo ndi mabanki omwe amatsatsa ngongole ndi chiwongola dzanja chochepa.

Osafunsira ngongole ngati mawu angongole sali ovomerezeka komanso abwino kuposa kuvomereza ngongole yanu yoyambirira.

• NtchitoYankho: Gulani ngongole za chiwongola dzanja chochepa kokha kwa obwereketsa odziwika komanso odalirika. Wells Fargo ndi CarMax Auto Finance ndi zosankha zabwino pamangongole odalirika agalimoto ogwiritsidwa ntchito.

Gawo 3: Malizani mgwirizano wogulitsa. Ngati mukugula galimoto kudzera mu malonda apadera, pezani ngongole kudzera ku bungwe lomwe lili ndi chiwongola dzanja chabwino kwambiri.

Ngati mukugula kudzera kwa wogulitsa magalimoto, yerekezerani mitengo yomwe angakupatseni ndi chiwongola dzanja chomwe mwalandira kale kwina.

Sankhani njira yokhala ndi malipiro ochepa komanso kubweza ngongole yotsika kwambiri.

Gawo 4 la 4: Pezani Zokonda Zangongole Zagalimoto

Ngati simunakhalepo ndi kirediti kadi kapena ngongole m'mbuyomu, muyenera kuyamba kumanga ngongole yanu musanalandire chiwongola dzanja choyambirira. Ngati muli ndi ngongole yochepa chifukwa cha bankirapuse, kubweza mochedwa, kapena kulandidwa katundu, mumaonedwa kuti ndinu kasitomala amene ali pachiwopsezo chachikulu ndipo simudzalandira ndalama zolipirira.

Chifukwa chakuti simungapeze chiwongola dzanja chachikulu sizitanthauza kuti simungapeze chiwongola dzanja chagalimoto. Mutha kulumikizana ndi omwe akubwereketsa angapo kuti mupeze njira zabwino kwambiri za vuto lanu.

Khwerero 1: Lemberani ngongole zamagalimoto ku bungwe lalikulu lazachuma.. Nthawi zonse ndi bwino kuyamba ndi wobwereketsa yemwe amadziwa nkhani yanu, ngakhale ili yochepa kapena yosocheretsa.

Pezani kuvomerezedwatu podziwa kuti chiwongola dzanja chanu chidzakhala chokwera kwambiri kuposa mitengo yomwe amatsatsa.

Gawo 2. Dziwani za mabungwe ena omwe siawongoleredwe..

• Chenjerani: Non-Prime amatanthauza kasitomala yemwe ali pachiwopsezo chachikulu kapena kasitomala wosalembetsa yemwe amakhala ndi chiwopsezo chachikulu cholephera kubweza ngongole. Mitengo yobwereketsa yayikulu imapezeka kwa iwo omwe ali ndi mbiri yotsimikizika yamalipiro okhazikika komanso anthawi yake omwe samaganiziridwa kuti ali pachiwopsezo cholephera kulipira.

Sakani pa intaneti za "ngongole yamagalimoto atsiku lomwelo" kapena "ngongole yamagalimoto oyipa" m'dera lanu ndikuwona zotsatira zapamwamba.

Pezani ndi kulumikizana ndi obwereketsa ndi mitengo yabwino kwambiri kapena lembani fomu yovomerezeka pa intaneti.

Ngati mtengo womwe watchulidwa uli bwino kuposa kuvomereza kwanu kale ndipo mukuyenerera kulandira ngongole, lembani.

• Ntchito: Pewani kufunsira kangapo ngongole yamagalimoto. Ntchito iliyonse imayang'ana chiwongola dzanja chanu ndi ofesi ya ngongole monga Experian, ndipo ntchito zingapo pakanthawi kochepa zimatha kukweza mbendera zofiira zomwe zimapangitsa kuti ntchito yanu ikanidwe.

Lemberani kwa obwereketsa abwino omwe mwawapempha.

Gawo 3: Yang'anani ndi wogulitsa magalimoto anu kuti akupatseni ndalama zamkati.. Ngati mukugula galimoto kwa wogulitsa, zingakhale zotheka kulipira ngongole ya galimoto nokha osati kudzera mwa wobwereketsa.

Mwanjira iyi yobweza ngongole, wogulitsa amakhala ngati banki yawoyawo. Izi zitha kukhala njira yanu yokhayo ngati mwakanidwa ngongole yagalimoto kulikonse.

Kugula ngongole ya galimoto si gawo losangalatsa kwambiri pogula galimoto, koma ndikofunika kuonetsetsa kuti simukulipirira galimoto yanu kuposa momwe mukufunikira. Kuchita kafukufuku ndi kukonzekera kungakuthandizeni kupeza njira yabwino yobwezera, komanso kungakuthandizeni kulipira ndalama zambiri pogula galimoto yanu, kulimbikitsa wobwereketsayo kuti agwire ntchito mwakhama ndi inu.