Momwe mungadziwire ndalama zolipirira galimoto

Mukagula galimoto yatsopano kapena yogwiritsidwa ntchito, nthawi zambiri mumafunika kulipira gawo la mtengo wagalimoto kutsogolo ngati mukulipirira. Kaya mumasankha kupeza ndalama zapanyumba ku malo ogulitsa kapena kufunafuna wobwereketsa nokha,…

Mukagula galimoto yatsopano kapena yogwiritsidwa ntchito, nthawi zambiri mumafunika kulipira gawo la mtengo wagalimoto kutsogolo ngati mukulipirira. Kaya mumasankha kuchita zolipirira m'nyumba ku malo ogulitsa kapena kufunafuna wobwereketsa nokha, kubweza kumafunika.

Gawo 1 la 5: Dziwani momwe mungalipire ndalama zogulira galimoto yanu

Muli ndi njira zingapo zopezera ndalama zogulira galimoto yatsopano kapena yogwiritsidwa ntchito. Musanapemphe thandizo la ndalama, muyenera kufananiza chiwongola dzanja ndi mawu a ngongole.

Gawo 1: Sankhani wobwereketsa. Onani mabungwe osiyanasiyana obwereketsa omwe alipo. Zina mwa izo ndi:

• Bank kapena credit union. Lankhulani ndi wobwereketsa ku banki yanu kapena bungwe la ngongole. Dziwani ngati mungapeze mitengo yapadera ngati membala. Kapenanso, mutha kuyang'ana mabanki ena am'deralo ndi mabungwe a ngongole kuti muwone zomwe angapereke.

• Kampani yazachuma pa intaneti. Mutha kupezanso obwereketsa angapo pa intaneti kuti akuthandizireni kugula galimoto yanu, monga MyAutoLoan.com ndi CarsDirect.com. Onetsetsani kuti mwayang'ana ndemanga zamakasitomala kuti muwone zomwe ena adakumana nazo ndi kampaniyo.

• Wogulitsa. Ogulitsa ambiri amagwira ntchito ndi mabungwe azachuma am'deralo kuti athandize ogula kupeza ndalama. Samalani ndi chindapusa chowonjezera ngati chindapusa mukamagwiritsa ntchito ndalama zamalonda, chifukwa zimawonjezera mtengo wonse wagalimoto.

• NtchitoYankho: Lingalirani kuvomerezedwa kale kuti mupereke ndalama zamagalimoto musanayang'ane galimoto. Izi zidzakudziwitsani kuti muli ndi ndalama zingati komanso kuti musapitirire bajeti.

Gawo 2. Fananizani mitengo ndi zikhalidwe. Fananizani mitengo ndi mawu omwe wobwereketsa aliyense amapereka.

Onetsetsani kuti palibe zolipiritsa zobisika kapena zidule zina zomwe obwereketsa amagwiritsa ntchito, monga kulipira kamodzi pakutha kwa nthawi yangongole.

Gawo 3: Pangani mndandanda wazosankha. Mutha kupanganso tchati kapena mndandanda wa APR, nthawi yobwereketsa, ndi zolipirira pamwezi pazosankha zanu zonse zandalama kuti mutha kuzifanizira mosavuta ndikusankha yabwino kwambiri.

Muyeneranso kuphatikiza msonkho uliwonse wogulitsa womwe umatsimikiziridwa ndi dziko lomwe mukukhala ngati gawo la mtengo wonse.

Gawo 2 la 5: Funsani mtengo wofunikira

Mukasankha wobwereketsa, muyenera kufunsira ngongole. Mukavomerezedwa, mudzadziwa ndendende kuchuluka kwa ndalama zomwe zimafunikira.

Khwerero 1: Dziwani zolipira zanu. Kulipira kocheperako nthawi zambiri kumakhala chiperesenti cha mtengo wonse wagalimoto yomwe ikugulidwa ndipo zimatha kusiyanasiyana kutengera zaka ndi mtundu wagalimotoyo, komanso ngongole yanu.

• NtchitoA: Ndibwino kuti mudziwe zambiri za ngongole yanu musanalankhule ndi wobwereketsa. Mwanjira iyi mudzadziwa chiwongola dzanja chomwe muli nacho komanso kuchuluka kwa ndalama zomwe muyenera kulipira.

Gawo 3 la 5: Dziwani kuchuluka kwa ndalama zomwe muli nazo

Pozindikira kuchuluka kwa ndalama zomwe mwabweza, zinthu zina ziyenera kuganiziridwa. Chodziwika kwambiri mwa izi ndikuti mukukonzekera kugulitsa galimotoyo, komanso mumaphatikizapo ndalama zomwe muli nazo mu akaunti yanu ya banki, mwachitsanzo. Kuchepetsa mtengo wamalipiro anu pamwezi ndichinthu chinanso mukaganizira momwe mungasungire ndalama.

• Ntchito: Mukamagwiritsa ntchito chinthu chogulitsira, kumbukirani kudikirira mtengo womaliza wagalimoto musanapereke. Apo ayi, ngati mutagula kwa wogulitsa ndikuwadziwitsatu pasadakhale, akhoza kuwonjezera ndalama zowonjezera kuti awononge mtengo wamtengo wapatali pa kusinthanitsa.

Gawo 1: Dziwani mtengo wagalimoto yanu yamakono. Werengani mtengo wa galimoto yanu yamakono, ngati muli nayo. Ndalamayi idzakhala yochepa kusiyana ndi mtengo wogulitsa. Onani za Kelley Blue Book's What's My Car Worth yomwe imatchula mitengo yatsopano komanso yogwiritsidwa ntchito pamagalimoto mosiyana ndi mitengo ya Blue Book yamagalimoto atsopano ndi ogwiritsidwa ntchito.

Gawo 2: Werengerani Ndalama Zanu. Dziwani kuchuluka kwa ndalama zomwe mumasungira kapena maakaunti ena olipira. Ganizirani kuchuluka kwa zomwe mukufuna kugwiritsa ntchito.

Ngakhale wobwereketsa angofuna 10% yokha, mutha kulipira 20% kuti muwonetsetse kuti muli ndi ngongole zochepa kuposa zomwe galimotoyo ili nayo.

Gawo 3. Werengani malipiro anu pamwezi.. Dziwani kuchuluka kwa ndalama zomwe muyenera kulipira mwezi uliwonse. Kuchulukitsa malipiro anu obweza kudzachepetsa malipiro anu pamwezi. Masamba ngati Bankrate ali ndi zowerengera zosavuta kugwiritsa ntchito pa intaneti.

• ChenjeraniYankho: Kuchulukitsa malipiro anu kumachepetsa ndalama zonse zomwe mumapeza, zomwe zikutanthauza kuti mudzakhala ndi mtengo wotsika wandalama pakapita nthawi.

Gawo 4 la 5: Sankhani galimoto yoti mugule ndi mtengo wake

Tsopano popeza mukudziwa bajeti yanu komanso kuchuluka kwa zomwe mungakwanitse kutulutsa kutsogolo, ndi nthawi yogula galimotoyo. Ngati mwalandira kale chivomerezo cha kuchuluka kwa ngongoleyo, ndiye kuti mukudziwa momwe mungakwanitsire.

Gawo 1: Sankhani ngati mukufuna kugula zatsopano kapena zogwiritsidwa ntchito. Dziwani ngati mukugula galimoto yatsopano kapena yogwiritsidwa ntchito komanso mtundu womwe mukufuna.

Ogulitsa amakhala ndi chiwongola dzanja chokwera pachaka pagalimoto yogwiritsidwa ntchito chifukwa cha kutsika kwamitengo yagalimoto yatsopano. Ndi zosadziwika zambiri zomwe zimagwirizanitsidwa ndi galimoto yogwiritsidwa ntchito, kuphatikizapo zovuta zamakina zosayembekezereka chifukwa cha msinkhu wa galimoto, chiwongoladzanja chapamwamba chimatsimikizira kuti wobwereketsayo akupangabe ndalama pogula galimoto yogwiritsidwa ntchito.

Gawo 2: Fananizani ogulitsa. Fananizani ogulitsa kuti muwone mtengo wa mtundu womwe mukufuna. Edmunds ali ndi tsamba lothandizira masanjidwe amalonda.

Gawo 3: Ganizirani Zowonjezera. Phatikizani zina zilizonse pagalimoto yatsopano pamtengo. Zosankha zina ndi phukusi zikuphatikizidwa, pomwe zina zitha kuwonjezeredwa pamtengo wowonjezera.

Gawo 4: Kambiranani mtengo. Kambiranani mtengo ndi wogulitsa kuti musunge ndalama. Izi ndizosavuta kuchita ndi galimoto yogwiritsidwa ntchito, chifukwa mutha kugwiritsa ntchito zovuta zilizonse zamakina kuti mupindule poyesa kukambirana zamtengo wotsika.

Gawo 5 mwa 5: Werezerani kuchuluka komwe kumafunikira pakubweza

Mukakhala ndi mtengo, werengerani kuchuluka kwa wobwereketsa amene mwasankha kuti mubweze. Peresenti ya ndalama zonse zomwe muyenera kulipira ngati malipiro ochepera zimatengera makamaka ngati mukugula galimoto yatsopano kapena yogwiritsidwa ntchito. Kugulitsa kwanu kumakhudzanso kuchuluka kwa ndalama zomwe muyenera kusungitsa ndipo kumatha kukhala ngati kulipirirako ngati kuli kokwanira kapena ngati mtengo wagalimoto yomwe mukufuna kugula ndiyotsika mokwanira.

Khwerero 1: Werengani ndalama zomwe zaperekedwa. Kwa galimoto yogwiritsidwa ntchito, malipiro ochepa amakhala pafupifupi 10%.

Kuphimba kwa GAP (kusiyana pakati pa mtengo wa galimoto ndi ndalama zake), pamene mtengo uliwonse kuchokera ku madola mazana angapo kufika ku madola chikwi, uyenera kupereka zokwanira kupanga kusiyana pakati pa zomwe muli nazo ndi zomwe kampani ya inshuwalansi ikupereka. inu ngati galimoto yadzuka molawirira.

Ngati muli ndi chidwi chofuna galimoto yatsopano, kubweza 10% mwina sikukwanira kupereka ndalama zomwe mukufunikira kuti muthe kubweza ngongole yonse. Mwamwayi, mutha kubweza galimoto yatsopano ngati galimoto yanu yatsopano yawonongeka kapena kubedwa mkati mwa zaka ziwiri zoyambirira za umwini.

Kuti muwerenge ndalama zomwe mukufunikira, chulukitsani ndalama zonse ndi kuchuluka kwa wobwereketsa kuchotsera mtengo wa chinthu chilichonse chomwe muli nacho kuti mupeze ndalama zomwe mukufuna kusungitsa.

Mwachitsanzo, ngati mwauzidwa kuti mukufunika kulipira 10% ndikugula galimoto yamtengo wapatali $20,000, malipiro anu adzakhala $2,000-500. Ngati mtengo wagalimoto yanu yamakono ndi $1,500, mudzafunika ndalama zokwana $XNUMX. Mutha kupeza chowerengera cholipirira patsamba ngati Bankrate chomwe chimakudziwitsani kuchuluka kwa ndalama zomwe mumalipira pamwezi kutengera ndalama zomwe mumasungitsa, chiwongola dzanja, komanso nthawi yangongole.

Ndikofunikira kwambiri kupeza galimoto yomwe mukufuna pamtengo womwe umagwirizana ndi bajeti yanu. Mukamagula galimoto yatsopano kapena yogwiritsidwa ntchito, muyenera kusunga mtengo wake kukhala wotsika momwe mungathere. Komanso, dziwani mtengo wa chinthu chomwe mumagulitsa pochezera mawebusayiti pa intaneti. Ngati kuli kofunikira, funsani m'modzi wa amakanika athu odziwa zambiri kuti ayang'anire galimoto musanagule kuti adziwe ngati pali chilichonse chomwe chiyenera kukonzedwa pagalimoto yanu chomwe chingawonjezere mtengo wake.