Momwe mungapezere ngongole yagalimoto ngati muli ndi ngongole yoyipa

Kulakwitsa pang'ono pazachuma kumatha kukhudza kwambiri ngongole yanu, ndipo kukonza ngongole yoyipa kumakhala kovuta kwambiri kuposa kuyipeza.

Ngati muli ndi ngongole yoipa, musataye mtima ikafika nthawi yogula galimoto yatsopano kapena yogwiritsidwa ntchito pang'ono. Ndi kukonzekera koyenera ndi njira, ngakhale omwe ali ndi ngongole yoipa akhoza kutenga ngongole ya galimoto.

Musanapemphe ngongole yamagalimoto, muyenera kukhala ndi lingaliro la momwe mungayang'anire papepala pamaso pa obwereketsa ndi omwe angakhale obwereketsa. Ndikofunikira kuti mudziwonetse nokha m'njira yabwino kwambiri kuti muganizidwe ngati ngongole. Kuti mupeze zotsatira zabwino komanso chiwongola dzanja chanthawi yayitali, konzekerani kuthera mpaka miyezi isanu ndi umodzi mukukonzekera ndikutsatira izi kuti muwoneke bwino koyamba:

Njira 1 mwa 1: Kugula Galimoto Ndi Ngongole Yoyipa

Gawo 1: Pezani lipoti lanu la ngongole. Onjezani malipoti anu angongole kuchokera ku Equifax, Experian ndi Transunion. Awa ndi mabungwe akuluakulu opereka malipoti angongole ndipo kuchuluka kwanu kwangongole kumatsimikiziridwa ndi zomwe ali nazo pafayilo zokhudzana ndi machitidwe anu azachuma.

Kumbukirani kuti malipoti amatha kusiyana pakati pa mabungwe.

• NtchitoA: Muli ndi ufulu kulandila lipoti limodzi laulere chaka chilichonse; apo ayi, mudzafunika kulipira ndalama zochepa.

Khwerero 2: Yesani kukonza bwino ngongole zanu. Ganizirani zomwe mungakonze pamalipoti anu angongole kuti muwongolere ngongole zanu.

Lipirani kapena kukambirana zolipirira chilichonse chomwe mungathe kuchita bwino. Ngati pali zolakwika, lembani mkangano. Ngati kuli kotheka, lingalirani zophatikizira zinthu monga ngongole za ophunzira.

Gawo 3. Onjezani mbiri yabwino yangongole kumalipoti anu.. Nthawi zambiri malipoti angongole sawonetsa mbiri yanu yabwino yobweza, zomwe sizimapereka omwe angakubwereke chithunzi chathunthu chazochita zanu zachuma. Komabe, nthawi zambiri ndizotheka kuwonjezera ngongole yanu yabwino, ngakhale imawononga ndalama zochulukirapo.

Gawo 4: Yambani kupanga ngongole yatsopano. Lemberani kirediti kadi yotetezedwa, yomwe kwenikweni ndi khadi yomwe mwalipira kale ndalama zonse.

Komanso dziwani kuti kungokhala ndi mapu sikuchita chilichonse pamalipoti anu; muyenera kuzigwiritsa ntchito ndikulipira ngongole zanu munthawi yake kuti muzichita zinthu zabwino kuti ziwonetsere zomwe mumapeza.

Gawo 5: Sonkhanitsani Zolemba. Sonkhanitsani zikalata zilizonse zomwe sizili gawo la mbiri yanu yangongole, monga mabilu othandizira kapena ma affidaviti odziwika kuchokera kwa anthu, kusonyeza kuti mukulipira ngongole pa nthawi yake.

Obwereketsa atha kukutsimikizirani ngongole kuti muphatikizepo zolemba zomwe sizili mbali ya lipoti lanu langongole ndipo angalimbikitsidwe kwambiri kuti achite izi pamene mukuyesera kukonzanso mbiri yanu yangongole ndikukhala ndi luso ladongosolo.

Gawo 6: Lemberani ngongole kubanki. Choyamba funsani kubanki kuti mubwereke ngongole. Muli ndi ubale kale ndi bungweli, ndiye uku ndiye kubetcha kwanu kopambana kuti muvomereze ngongole.

Mabanki amakondanso kupereka chiwongola dzanja chabwino, zomwe zimapangitsa kuti zikhale zosavuta kuti mulipire ngongole yagalimoto yanu mtsogolomo.

Khwerero 7: Lumikizanani ndi kampani yanu ya inshuwaransi kuti mupeze ngongole. Ngati banki yanu ikana pempho lanu la ngongole, funsani kampani yanu ya inshuwaransi kuti mudziwe ngati ndalama za ngongole zikuphatikizidwa mu phukusi lawo la ntchito.

Monga banki yanu, kampani yanu ya inshuwaransi ili ndi inu kale ngati kasitomala ndipo ndizotheka kuvomereza ngongole yanu.

Gawo 8: Lemberani ngongole yamagalimoto. Njira yomaliza, funsani ogulitsa omwe amagulitsa galimoto yomwe mukufuna kugula. Ogulitsa magalimoto amakonda kulipira chiwongola dzanja chokwera, zomwe zikutanthauza kuti mudzalipira zambiri pakapita nthawi, ngakhale amavomereza ngongole zamagalimoto mwaulere kuposa mabanki.

Khwerero 9: Fananizani njira zonse za ngongole ndikusankha imodzi. Yang'anani zotsatsa zabwino kwambiri ndipo musangovomera ngongole yoyamba yomwe mwapatsidwa.

Werengani zonse zolembedwa bwino ndikuwonetsetsa kuti mukumvetsetsa bwino mawuwo. Yesani zosankha zanu ndipo khalani owona mtima nokha za kuchuluka komwe mungalipire komanso nthawi yomwe mukufuna kulipira.

Dziperekeni ku ngongole pokhapokha mutawona ngongole yomwe ikugwirizana ndi zosowa zanu.

• Kupewa: Chenjerani ndi ngongole zomwe mawu ake sakhala omaliza. Zikatero, ndalama zomwe mumalipira pamwezi zitha kuwonjezedwa mtsogolo.

Gawo 10: Onetsetsani kuti mwabweza ngongoleyo panthawi yake. Mukatenga ngongole yanu ndi makiyi a galimoto yanu yatsopano, perekani malipiro anu panthawi kuti mupitirize kubweza ngongole yanu yoipa. Mwanjira iyi, nthawi ina mukafuna kugula galimoto, njirayi ndi yofulumira komanso yosalala.

• NtchitoA: Kumbukirani kuti mutatha kulipira ngongole ya galimoto yanu kwa chaka chimodzi, mutha kukonzanso ndi chiwongoladzanja chochepa.

Ngakhale kukonzekera ngongole yoyipa yagalimoto kungakhale kovuta, ndikofunikira m'kupita kwanthawi. Mbiri yanu yoyipa yangongole sikutanthauza kuti ikhalepo mpaka kalekale, ndipo patatha zaka zingapo zoyesayesa zonse kuti muyikonze, simudzatanthauzidwanso ndi zolakwika zanu zam'mbuyomu. Izi zidzakuthandizani kugula zinthu zazikulu monga magalimoto ena ngakhale nyumba mtsogolo.

Mukangogula galimoto yatsopano, muli ndi maudindo atsopano omwe amapitirira malipiro a mwezi uliwonse. M'tsogolomu, mudzakhala ndi zofunika kukonza komanso mwinanso kukonza.

Ngati muli ndi mafunso okhudza momwe mungasamalire galimoto yatsopano kapena momwe mungasamalire, yitanitsani ntchito zamakanika odziwa ntchito ku AvtoTachki. Muthanso kuti amakanika athu aziwunika zachitetezo pagalimoto yanu yatsopano kapena cheke asanagulitsidwe pagalimoto yogwiritsidwa ntchito yomwe mukufuna kugula.