Momwe mungagulitsire galimoto pambuyo polemba ku bankirapuse

Pali zifukwa zambiri zomwe anthu amasumira ku bankirapuse, koma nthawi zonse, kuyenera kwa ngongole kwa wopemphayo kumakhala kovuta kwambiri, zomwe zimapangitsa kuti zikhale zovuta kupeza ndalama zogulira zinthu zazikulu. Kumbali ina, kupeza wobwereketsa ngongole yagalimoto sikutheka, ndipo nthawi zina kungakhale kosavuta kuposa momwe mungayembekezere.

Kaya ndalama zanu zili zotani, zitha kuthandizira kwambiri kukonza zomwe zawonongeka pangongole yanu; ndipo, kutengera kusungitsa (zikhale mutu 7 kapena chaputala 13), pali zambiri zokhudzana ndi kuvomerezeka kwa aliyense. Kudziwa ufulu wanu muzochitika zilizonse ndiye chinsinsi chopewera kuwononga mbiri yanu yangongole ndikupeza mwayi wabwino kwambiri pakugula galimoto yanu.

Malamulo obweza ndalama amasiyana malinga ndi boma ndipo ndikofunikira kudziwa malamulo omwe akugwira ntchito m'boma lomwe mukulemba. Komabe, ndikofunikira kumvetsetsa kuchuluka kwachuma chanu kuti mutha kugula galimoto yomwe ili yoyenera kwa inu pansi pamikhalidwe yabwino yomwe mungapereke.

Gawo 1 la 2: Onetsetsani Kuti Mukumvetsetsa Mkhalidwe Wanu Wosokonekera

Khwerero 1. Dziwani mtundu wa ndalama zomwe mwabweza komanso zomwe muyenera kuchita. Osachitapo kanthu pogula galimoto mpaka mutadziwa mtundu wanji wa bankirapuse womwe mwabweza ndikumvetsetsa zomwe muyenera kuchita kwa wobwereketsa kuti mutha kulingalira zomwe mungachite musanagule.

• Ntchito: Mungafune kufunsana ndi wogwira ntchito zangongole kapena wolinganiza zandalama kuti akuthandizeni kumvetsetsa bwino zandalama zanu ndi ngongole kumayambiriro kwa kubweza kwanu, komanso kukuthandizani pokonzekera mtsogolo ndi kukhazikitsa zolinga.

Khwerero 2: Dziwani zaufulu wanu pansi pa mutu 7 kapena mutu 13 wa malamulo a bankirapuse m'boma lanu.. Chosankha chachikulu cha mutu wa bankirapuse womwe mumasankhira ndi kuchuluka kwa ndalama zomwe mumapeza.

Zomwe muli nazo zimatengeranso zomwe muli ndi ngongole kwa ongongole komanso mtundu wanji komanso kuchuluka kwa zinthu zomwe muli nazo.

M'mabwalo ambiri a Chaputala 7 cha bankirapuse, zinthu zanu zonse zomwe simunagwiritse ntchito zidzathetsedwa kuti zikuthandizeni kulipira ngongole yanu.

Katundu wosakhululukidwa amaphatikizapo zinthu zosafunikira zomwe muli nazo zomwe zingakhale zamtengo wapatali, kuphatikizapo zodzikongoletsera ndi zovala zodula, zida zoimbira, zida zapakhomo, ndalama zomwe mungathe kuzigwiritsa ntchito, ndi magalimoto ena owonjezera kusiyapo omwe amakukongozani.

Pansi pa mutu 7 kapena 13, ngati muli ndi galimoto yovomerezeka, mudzatha kuyisunga. Koma malinga ndi chaputala 7, ngati muli ndi galimoto yapamwamba, mungakakamizidwe kuigulitsa, kugula galimoto yotsika mtengo, ndi kugwiritsa ntchito ndalama zotsalazo kuti mulipirire ngongole zanu.

Gawo 3: Yesetsani kukonza mbiri yanu yangongole.. Chitanipo kanthu kuti mumangenso ngongole yanu potenga kirediti kadi imodzi kapena ziwiri zotetezedwa. Sungani ndalama zanu pansi pa ngongole yanu ndipo nthawi zonse muzilipira pa nthawi yake.

Ngongole yanu idzawonongeka kwa nthawi yayitali pansi pa mutu uliwonse wa bankirapuse, ndipo nthawi zina zimatenga zaka khumi kuti mubwezere.

Komabe, mutha kupezanso ndalama zogulira zinthu zina pakapita nthawi, nthawi zina mkati mwa miyezi ingapo pansi pa mutu 7 ndipo nthawi zambiri mkati mwa zaka zingapo pansi pa mutu 13.

• NtchitoYankho: Lingalirani zolipirira makhadi otetezedwa, ngati aloledwa ndi kampani yanu ya kirediti kadi, kuti musaphonye mwangozi tsiku lomaliza lolipira.

Gawo 2 la 2: Kugula galimoto mu bankirapuse

Gawo 1. Dziwani ngati mukufunadi galimoto. Kusokonekera kwanu kudzafuna kuti mupange zisankho zovuta zachuma, ndikuwunikanso tanthauzo lanu la "Ndikufuna" ndi "Ndikufuna" kungakhale ntchito yayikulu komanso yofunika.

Ngati mukukhala m'dera limene mayendedwe a anthu onse ndi njira yabwino, kapena ngati muli ndi anthu omwe mungagwire nawo ntchito, sikungakhale koyenera kutenga ngongole yatsopano yagalimoto mukakhala mu bankirapuse.

Gawo 2: Pezani mpumulo pakubweza ngati mungathe. Ngati mwaganiza kuti mukufunika kugula galimoto, dikirani mpaka mutabweza ngongoleyo.

Chaputala 7 bankirapuse nthawi zambiri chimatha pakangopita miyezi ingapo, pambuyo pake mutha kubwereketsa galimoto.

Pansi pa Mutu 13, zingatenge zaka musanalandire chithandizo cha bankirapuse. Zingawoneke ngati zowopsya, koma mukhoza kupeza ngongole yatsopano pansi pa Mutu 13 bankirapuse.

Nthawi zonse lankhulani ndi trustee wanu za mapulani anu ogulira chifukwa trustee angafunike kuvomereza mapulani anu kukhothi ndikupeza zikalata zofunika pakubwereketsa musanapite patsogolo.

Khwerero 3: Ganizirani mozama za ndalama zogulira galimoto.. Ngati mungagule ngongole yatsopano mu bankirapuse, chiwongola dzanja chanu chingakhale chokwera mpaka 20%. Onetsetsani kuti mungakwanitse kugula galimoto yomwe mwasankha kuti mupange ndalama.

• NtchitoA: Ngati mungadikire zaka zingapo kuti mutenge ngongole yatsopano, iyi ikhoza kukhala kubetcha kwanu kopambana. Mbiri yanu yangongole ikakula, mudzapatsidwa mawu abwino obweza.

Zirizonse zomwe mukukumana nazo, musabwereke kwa obwereketsa a hawkish omwe akufuna kukupatsani ndalama tsiku lomwe mwalandira mawu anu pamakalata. Musakhulupirire zamalonda zosokoneza maganizo zomwe zimati, "Tikumvetsa zomwe zikuchitika ndipo tabwera kukuthandizani kuti mubwererenso."

Obwereketsawa amakulonjezani chilichonse pa chiwongola dzanja cha 20%, ndipo nthawi zina amalumikizana ndi ogulitsa "okondedwa" omwe amatha kugulitsa magalimoto otsika mtengo.

M'malo mwake, funsani obwereketsa ngongole omwe amaperekedwa kudzera mwa ogulitsa odziwika bwino m'dera lanu. Nthawi zonse yang'anani ubwino wa galimoto iliyonse yomwe mumagula ndipo khalani okonzeka kulipira chiwongoladzanja chachikulu.

Khwerero 4: Yang'anani mitengo yotsika. Chitani kafukufuku wambiri momwe mungathere pamagalimoto ogwiritsidwa ntchito bwino pamitengo yotsika kwambiri. Nthawi zina magalimoto abwino kwambiri sakhala okongola kwambiri, choncho musade nkhawa za kukongola.

Ganizirani magalimoto odalirika omwe ali ndi ndemanga zabwino kwambiri komanso ali ndi mtengo wamtengo wapatali. Mutha kuyesa kufufuza magalimoto ogwiritsidwa ntchito pamasamba odalirika monga Edmunds.com ndi Consumer Reports.

• Kupewa: Mukalandira ngongole, khalani okonzeka kubweza ndalama zambiri ndipo mukhale ndi chiwongola dzanja chambiri choyandikira 20%. Pamene mukuyang'ana galimoto yoyenera, mungagwiritse ntchito nthawiyi kuti muyambe kusunga ndalama.

Gawo 5: Ngati nkotheka, gulani galimoto ndi ndalama. Ngati mungathe kuteteza ndalama zanu kuti zisatengedwe mutapereka ndalama ku bankirapuse, ganizirani kugula galimoto ndi ndalama.

Maakaunti anu aku banki atha kuthetsedwa, koma malamulo amasiyana malinga ndi boma, monga momwe zimakhalira pakubweza kwanu. Malamulo othetsa chuma mu chaputala 7 ndi okhwima kuposa omwe ali mu chaputala 13.

Mulimonse momwe zingakhalire, mudzafunika kupeza galimoto yogwiritsidwa ntchito yotsika mtengo yogwira ntchito yabwino yokhala ndi mtunda wochepa. Kumbukirani kuti ngati muli ndi galimoto iliyonse yomwe imatengedwa kuti ndi "yapamwamba", khoti likhoza kukukakamizani kuti mugulitse kuti mulipire ngongole zanu.

• NtchitoYankho: Ngati simunalembepo kuti mubweze ndalama, ganizirani kugula galimoto ndi ndalama musanapereke ndalama zobweza ngongole. Koma ngakhale mu nkhani iyi, muyenera kugula galimoto pa mtengo wololera.

Khwerero 6: Onetsetsani kuti lipoti lanu langongole lilibe zochotsa. Chotsani ndalama zilizonse zomwe muli nazo pa mbiri yanu musanakambirane ndi wobwereketsa, ngati muli nazo. Nthaŵi zambiri, obwereketsa amasamala kwambiri za kubwezeretsa katundu kusiyana ndi bankirapuse.

The repossession amawauza kuti munthuyo mwina sakanakhoza kapena anasankha kusapereka malipiro awo. Mosiyana ndi zimenezi, anthu amene anabweza ngongoleyo anali atabweza ndalama zawo panthaŵi yake koma anavutika kwambiri ndi mavuto azachuma amene anachititsa kuti nawonso achite chimodzimodzi.

Kulanda katundu ndikosavuta kupeza kuchokera ku lipoti lanu langongole chifukwa cha kuchuluka kwa mapepala ndi umboni wofunikira kuti ukhalebe pa lipotilo. Ngati sichingatsimikizidwe mokwanira, ndiye kuti ndi lamulo liyenera kuchotsedwa.

Ngati mumatsutsa zolembedwa zobwezeredwa, muli ndi mwayi wochotsa lipoti lanu langongole chifukwa kampani yomwe idalamula kuti kubwezeredwa sikungayankhe pempho la wobwereketsa kuti litsimikizire kapena alibe zikalata zonse. Mwanjira iliyonse, mumapambana.

Khwerero 7: Sungani Mbiri Yanu Yoyendetsa Bwino. Obwereketsa ambiri adzayang'ana mbiri yanu yonse chifukwa muli pachiwopsezo kuposa ena obwereketsa.

Kuti achite izi, amachotsa zolemba zanu zoyendetsera galimoto kuti awathandize kusankha ngati akubwerekeni. Ngati sakudziwa, chidziwitso chanu choyendetsa galimoto chingawathandize kupanga chisankho motsimikiza. Ngati muli ndi luso loyendetsa galimoto, pali mwayi woti ngongole yanu ivomerezedwe chifukwa galimotoyo ndiyo chikole cha ngongole.

Ngati muli ndi mfundo pa mbiri yanu, fufuzani ngati muli oyenerera kupita ku sukulu yoyendetsa galimoto kuti muchotsedwe.

Khwerero 8: Yambitsani kufunafuna wobwereketsa wabwino kwambiri zomwe mungapereke. Sakani pa intaneti, zotsatsa zakomweko, ndikufunsa anzanu ndi abale anu.

Mudzakhala ndi zambiri zomwe mungachite kwa ogulitsa (mawu ofunikira apa ndi oti "ogulitsa" osati "obwereketsa ngongole oyipa" omwe mudalandira pamakalata tsiku lomwe mudatulutsidwa) omwe amakhazikika pazachuma choyipa komanso kubweza ngongole.

Lankhulani momveka bwino komanso moona mtima za zomwe mukulephera, chifukwa nthawi zina zimakhala zovomerezeka.

• NtchitoYankho: Zingakhale zabwino kuyamba ndi mabungwe obwereketsa omwe mudachita nawo m'mbuyomu komanso komwe mudakhala ndi mbiri yabwino. Nthawi zina kukhala ndi guarantor (wa m'banja lanu kapena bwenzi) kungapangitse kuti ntchitoyi ikhale yosavuta, koma zimawapangitsanso kuti azilipira ngongole yanu ngati simungathe kulipira.

Khwerero 9: Yang'anani kuchotsera kwa opanga ma automaker. Kuchotsera kopambana sikumatsatsidwa kwambiri; koma ngati mutayitana wogulitsa ndikufunsa kuti kuchotsera komwe kulipo, ayenera kukhala okondwa kukuthandizani.

Mukhoza kugwiritsa ntchito kuchotsera pamwamba pa ndalama zomwe mwaikira pambali kuti muthe kulipira, chifukwa malipiro apamwamba amachitira zinthu ziwiri: zimakupangitsani kuti mukhale ndi chiopsezo chochepa kwa wobwereketsa, ndipo mukhoza kuchepetsa malipiro anu pamwezi.

• Ntchito: Nthawi yabwino yoyang'ana kuchotsera ndi kutha kwa chaka chachitsanzo (September-November), pamene opanga ndi ogulitsa akuyang'ana kuchotsa zitsanzo zakale kuti apange malo atsopano.

Kaya vuto lanu lingakhale lotani, sizingakhale zopanda phindu monga momwe mungaganizire. Yesetsani nthawi zonse kukhalabe otsimikiza momwe mungathere. Pali njira zomwe mungagwiritsire ntchito mwayi wogula galimoto, kubwezeretsanso ngongole yanu, ndikuwongolera chuma chanu pakapita nthawi. Khama ndi kuleza mtima ndizofunikira, monganso kupeza zambiri momwe mungathere za momwe mungakhalire osowa ndalama kuti muthe kuchitapo kanthu koyenera komanso koyenera.