Momwe mungasungire ndalama pagalimoto yogwiritsidwa ntchito

Kusunga ndalama pogula galimoto yogwiritsidwa ntchito kungatheke mofulumira komanso mosavuta potsatira njira zosavuta. Magalimoto ogwiritsidwa ntchito amatha kugulidwa kuchokera ku nyuzipepala kwanuko, kumisika yamagalimoto, pa intaneti, kapena kwa ogulitsa kwanuko. Mulimonsemo, onetsetsani kuti mwayika...

Kusunga ndalama pogula galimoto yogwiritsidwa ntchito kungatheke mofulumira komanso mosavuta potsatira njira zosavuta. Magalimoto ogwiritsidwa ntchito amatha kugulidwa kuchokera ku nyuzipepala kwanuko, kumisika yamagalimoto, pa intaneti, kapena kwa ogulitsa kwanuko. Mulimonsemo, onetsetsani kuti mwakhazikitsa bajeti yanu, fufuzani za mavuto aliwonse omwe galimotoyo ingakhale nawo, ndikupeza kuti galimotoyo ndi yotani. Pokumbukira izi, mutha kusunga ndalama ndikupeza galimoto yogwiritsidwa ntchito bwino. M'nkhani yotsatirayi, muphunzira momwe mungasungire ndalama pagalimoto yogwiritsidwa ntchito bwino yomwe ikugwirizana ndi zosowa zanu.

Njira 1 mwa 3: Kugula galimoto kudzera m'nyuzipepala

Zida zofunika

• Nyuzipepala yakumaloko (gawo lamagalimoto ogwiritsidwa ntchito m'magulu)
• Foni yam'manja
• Kompyuta (yowona mbiri yamagalimoto)
• pepala ndi pensulo

Kuyang'ana zotsatsa zamagalimoto ogwiritsidwa ntchito m'gawo lazidziwitso la nyuzipepala ya kwanuko ndi njira imodzi yopezera mtengo wabwino pagalimoto yogwiritsidwa ntchito. Magulu ambiri omwe ali mgululi amakhala ndi magalimoto ogulitsidwa ndi eni ake m'malo mogulitsa malonda, ngakhale mutha kupeza zotsatsa ngati masamba athunthu.

Kugula kuchokera kwa mwiniwake wamba kungathe kuchepetsa ndalama zambiri zomwe zimagwirizanitsidwa ndi kugula kwa wogulitsa magalimoto ogwiritsidwa ntchito, ngakhale ogulitsa angapereke zopereka zapadera monga ndalama ndi zitsimikizo.

Chithunzi: Bankrate

Gawo 1. Dziwani bajeti yanu. Chinthu choyamba kuchita musanayang'ane galimoto yogwiritsidwa ntchito m'manyuzipepala am'deralo ndikudziwitsani bajeti yanu.

Kugwiritsa ntchito chowerengera cha ngongole yagalimoto, monga chowerengera ngongole kubanki, kungakuthandizeni kudziwa kuchuluka komwe mudzalipira mwezi uliwonse pagalimoto yanu.

Kudziwa kuchuluka kwa ndalama zomwe mungagwiritse ntchito kumathandizira polemba mndandanda wamagalimoto omwe agwiritsidwa ntchito omwe amagwera pamitengo yanu.

Gawo 2: Sankhani magalimoto omwe mumakonda. Sakatulani zotsatsa zamagalimoto ogwiritsidwa ntchito ndikusankha zomwe zili ndi magalimoto pamitengo yanu.

Kumbukirani zopanga, chaka, kapena mitundu ina yomwe mumakonda kwambiri.

Samalani mtunda wa galimoto. Makilomita apakati amagalimoto omwe amagwiritsidwa ntchito kwambiri ndi pafupifupi mamailosi 12,000 pachaka.

• ChenjeraniYankho: Mukakwera mtunda, m'pamenenso mungayembekezere zovuta zokonza. Izi zikhoza kuonjezera ndalama zomwe mumawonongerapo kuwonjezera pa zomwe mumalipira galimotoyo.

Chithunzi: Blue Book Kelly

Khwerero 3: Fananizani Kufunsa Mitengo ndi Mtengo Wamsika. Yerekezerani mtengo womwe wogulitsa akufunsa galimotoyo motsutsana ndi mtengo weniweni wamsika wagalimoto pa intaneti patsamba ngati Kelley Blue Book, Edmunds, ndi NADA Guides.

Mitengo imasiyanasiyana kutengera mtunda, mulingo wochepetsera, chaka chachitsanzo, ndi zosankha zina.

Khwerero 4: Imbani wogulitsa. Imbani foni kwa wogulitsa za galimoto yogwiritsidwa ntchito yomwe mukufuna. Panthawiyi, funsani wogulitsa za mbali iliyonse ya galimotoyo ndikupeza zambiri zokhudza mbiri ya galimotoyo.

Mitu yomwe muyenera kufunsa ndi iyi:

• Dziwani zambiri za zovuta zamakina zilizonse
• Kodi galimotoyo inayendetsedwa bwanji?
• Zinthu zomwe zili m'galimoto
• Ndi matayala angati anali pagalimoto

Mayankho amituyi akudziwitsani ngati pali ndalama zomwe mungaganizire mutagula.

Chithunzi: Credit Score Builder

• NtchitoYankho: Mukamagula galimoto kwa wogulitsa, onetsetsani kuti ngongole yanu ili bwino. Ngongole yoyipa yangongole imatha kupangitsa kuti pakhale chiwongola dzanja chapachaka (APR) ndipo imatha kuwonjezera madola masauzande ambiri pazomwe muyenera kulipira pogulira galimoto.

Mutha kupeza ngongole zanu pa intaneti patsamba ngati Credit Karma.

Gawo 5: Yesani kuyendetsa galimoto. Onetsetsani kuti mwayesa galimotoyo kuti muwone momwe imachitira komanso momwe imakhalira pamsewu wotseguka.

Ngati mumakondadi galimotoyo, ganiziraninso kuyitengera kwa makanika panthawiyi kuti akawonere cheke asanagule.

• ChenjeraniA: Mavuto aliwonse omwe angakhalepo ndi galimoto amatha kukupatsani malire poyesa kuti wogulitsa achepetse mtengo.

Chithunzi: Autocheck

Gawo 6: Pezani Lipoti la Mbiri Yagalimoto. Ngati mwakhutitsidwa ndi galimotoyo, onetsetsani kuti mukuyendetsa lipoti la mbiri ya galimoto kuti muwonetsetse kuti ilibe nkhani zobisika zomwe wogulitsa sakuuzani.

Mukhoza kutulutsa izi kwa wogulitsa kapena kudzipangira nokha pogwiritsa ntchito imodzi mwa malo ambiri a mbiri ya galimoto omwe alipo, monga Carfax, AutoCheck, ndi National Vehicle Name Information System, yomwe imapereka malo osiyanasiyana a mbiri ya galimoto pamtengo wochepa.

Pa lipoti la mbiri yamagalimoto, onetsetsani kuti mutuwo ulibe zomangira. Madipoziti ndi ufulu wagalimoto kuchokera kumabungwe odziyimira pawokha azachuma, monga mabanki kapena ntchito zangongole zandalama, posinthanitsa ndi chithandizo cholipirira galimotoyo. Ngati mutuwo uli wopanda liens, mudzatha kutenga galimotoyo mutalipira.

Khwerero 7: Kambiranani zamtengo wabwino kwambiri. Mukakhala otsimikiza kuti mukudziwa mavuto onse a galimoto ndi mtengo wake wonse, mukhoza kuyesa kukambirana ndi wogulitsa.

Dziwani kuti ogulitsa ena, monga CarMax, samadandaula za mtengo wa magalimoto awo. Zomwe amapereka ndi zomwe muyenera kulipira.

• NtchitoYankho: Mukamagula kwa wogulitsa, mutha kusunga ndalama pokambirana za mtengo wagalimoto, chiwongola dzanja, ndi mtengo wa chinthu chanu chosinthira padera. Mutha kuyesa kukambirana mawu abwino pa chilichonse mwazinthu izi kuti mupeze mgwirizano wabwino kwambiri.

Khwerero 8: Saina mutu ndi bilu yogulitsa. Malizitsani ntchitoyi posayina mutu ndi bilu yogulitsa.

Onetsetsani kuti wogulitsa wamaliza zonse zofunikira kumbuyo kwa dzina panthawiyi kuti kusintha kwa dzina kukhala kosavuta momwe mungathere.

Njira 2 mwa 3: Kugula galimoto pa intaneti

Zida zofunika

• kompyuta
• pepala ndi pensulo

Ambiri ogulitsa magalimoto ogwiritsidwa ntchito kale ndi ogulitsa wamba tsopano akugwiritsa ntchito intaneti kugulitsa magalimoto. Kaya ndi kudzera pamasamba ogulitsa ngati CarMax kapena mawebusayiti ngati Craigslist, mutha kupeza magalimoto ambiri ogwiritsidwa ntchito pamtengo wabwino.

• Kupewa: Poyankha zotsatsa patsamba ngati Craigslist, onetsetsani kuti mwakumana ndi ogulitsa ndi bwenzi kapena wachibale pagulu. Izi zidzakutetezani inu ndi wogulitsa ngati chinachake choipa chichitika.

Gawo 1: Sankhani mtundu wagalimoto yomwe mukufuna. Sakatulani mitundu yomwe ilipo patsamba la ogulitsa, kapena onani mindandanda mukamawona mindandanda yachinsinsi pa Craigslist.

Chosangalatsa pamasamba omwe amayendetsedwa ndi ogulitsa ndikuti mutha kugawa kusaka kwanu malinga ndi mtengo, mtundu wagalimoto, milingo yochepetsera, ndi zina pofufuza galimoto yomwe mukufuna. Ogulitsa payekha, kumbali ina, amadula ndalama zambiri zomwe ogulitsa amawonjezera.

2: Yang'anani mbiri yagalimoto. Mukapeza galimoto yomwe mukuikonda, fufuzani mbiri yagalimoto monga njira 1 kuti muwonetsetse kuti galimotoyo ilibe zovuta zilizonse, monga ngozi kapena kusefukira kwa madzi, zomwe zingakulepheretseni kugula galimoto. galimoto.

Komanso, yang'anani mtunda kuti muwonetsetse kuti ili mkati mwazovomerezeka. Nthawi zambiri, galimoto imayenda pafupifupi mailosi 12,000 pachaka.

Gawo 3. Lumikizanani ndi wogulitsa.. Lumikizanani ndi munthuyo pafoni kapena funsani wogulitsa kudzera patsamba lawo. Konzani nthawi yoyendera ndi kuyesa kuyendetsa galimotoyo.

Muyeneranso kuti galimotoyo iwunikidwe ndi makina ena kuti atsimikizire kuti ili bwino.

Gawo 4: Kambiranani mtengo. Kugulana ndi wogulitsa magalimoto kapena munthu payekha, kukumbukira mtengo wake wamsika wabwino ndi zovuta zilizonse zomwe zingabuke pofufuza mbiri yagalimotoyo.

Kumbukirani kuti mudzakhala ndi mwayi wochulukirapo ngati mutachotsera mukagula kwa munthu payekha.

• Kupewa: Pochita ndi malo ogulitsa magalimoto, yang'anani chiwonjezeko cha malo ena (monga chiwongola dzanja) ngati avomereza kutsitsa mtengo.

Chithunzi: California DMV

Khwerero 5: Lipirani ndikumaliza kulemba. Mukakhutitsidwa ndi kuchuluka kwa galimotoyo, lipirani mwanjira iliyonse yomwe wogulitsa angakonde ndikusayina zikalata zonse zofunika, kuphatikiza zikalata zamutu ndi ngongole zogulitsa.

Komanso onetsetsani kuti mwagula zitsimikizo zilizonse pogula galimoto kudzera m'malo ogulitsa.

• Ntchito: Ndikofunika kukhala ndi chitsimikizo, makamaka magalimoto akale. Chitsimikizo chingakupulumutseni ndalama pamene galimoto yakale ikuwonongeka chifukwa cha msinkhu wake. Dziwani nthawi ya chitsimikizo ikatha.

Njira 3 mwa 3: Kugula galimoto pamalo ogulitsira

Zida zofunika

• kompyuta
• Mndandanda wazinthu (kuti mudziwe kuti ndi magalimoto ati omwe alipo komanso nthawi yomwe iliyonse idzagulitsidwe)
• pepala ndi pensulo

Kugulitsa magalimoto kumapereka njira ina yabwino yopezera ndalama zambiri pamagalimoto ogwiritsidwa ntchito. Mitundu iwiri ikuluikulu yogulitsira imaphatikizanso malonda aboma komanso aboma. Zochitika zothandizidwa ndi boma zikuwonetsa magalimoto akale omwe bungwe loyenerera likufuna kutaya. Malo ogulitsa pagulu amawonetsa magalimoto ogulitsidwa kuchokera kwa anthu komanso ogulitsa.

• KupewaYankho: Samalani mukagula m'malo ogulitsira malonda. Magalimoto omwe amagulitsidwa pagulu nthawi zambiri amakhala omwe sangagulitsidwe kumalo ogulitsira kapena omwe ali ndi mavuto akulu, kuphatikiza kuwonongeka kwa kusefukira kwamadzi kapena injini zomwe zidapulumutsidwa. Onetsetsani kuti mwayang'ana mbiri yagalimoto musanagule galimoto pamalo ogulitsira.

Gawo 1. Dziwani bajeti yanu. Dziwani kuchuluka kwa ndalama zomwe mukufuna kugwiritsa ntchito pagalimoto yogwiritsidwa ntchito. Onetsetsani kuti mwatchulapo malo oti mugulitse.

Chithunzi: Interstate Auto Auction

Gawo 2: Yang'anani mndandanda. Sakatulani mndandanda wazinthu zanu kuti mupeze magalimoto omwe mukufuna, ndikukumbukira kuti mukufuna kugwiritsa ntchito ndalama zingati.

Ngati ndi kotheka, mutha kupita patsamba logulitsira kuti muwone mndandanda wamagalimoto pasadakhale. Mwachitsanzo, nayi mindandanda yamagalimoto omwe alipo patsamba la iaai.com.

Khwerero 3: Pitani ku gawo lowoneratu tsiku lomwe lisanagulitsidwe.. Izi zimakupatsani mwayi wowona magalimoto omwe amakusangalatsani.

Zogulitsa zina, koma osati zonse, zimakupatsirani mwayi woti muyang'ane bwino magalimoto, kuphatikiza kuwayendetsa kuti muwone momwe akugwirira ntchito.

Onetsetsani kuti mwalemba nambala ya VIN kuti mugwiritse ntchito pambuyo pake popanga lipoti la mbiri yamagalimoto.

Mukhoza kupeza VIN ya galimotoyo pamwamba pa dashboard kumbali ya dalaivala (yowoneka kupyolera mu galasi lakutsogolo), mu bokosi lamagetsi, kapena pakhomo la mbali ya dalaivala.

Khwerero 4: Yendetsani Lipoti la Mbiri Yagalimoto. Pangani lipoti la mbiri yamagalimoto monga momwe zilili m'njira 1 ndi 2 kuti muwonetsetse kuti palibe vuto lomwe silinafotokozedwe ndi galimotoyo.

Pewani kuyitanitsa galimoto iliyonse yomwe ikuwoneka ngati yabodza, monga odometer.

Njira yabwino ndiyowona ngati odometer yasinthidwa pa lipoti la mbiri yamagalimoto. Makilomita agalimoto amalembedwa pakakonzedwa kapena ntchito iliyonse. Tsimikizirani kuti kuwerengera kwa odometer yagalimoto ndi kuwerengera mtunda pa lipotilo zikugwirizana.

Mutha kuyang'ana zomangira zomwe zikusowapo kapena pafupi ndi dashboard kuti muwone ngati pali wina yemwe wasokoneza zida zilizonse zapadashboard.

Gawo 5. Kubetcherana Mosamala. Bisani galimoto yomwe mukufuna, koma samalani kuti musavutike ndi kutsatsa.

Mutha kuganiziranso zoyendera zogulitsa zingapo pasadakhale kuti mudziwe momwe ntchito yonseyo imagwirira ntchito.

Kuphatikiza apo, muyenera kulabadira momwe gulu la anthu likukhalira m'malo ogulitsa omwe amatsogolera kugalimoto yomwe mukufuna kuti muwone ngati khamu likulipira kapena kukhala ndi ndalama zambiri pamabizinesi awo.

• NtchitoYankho: Siyani malo mu bajeti yanu yotumizira ngati mukufuna kugula kuchokera kumisika yakunja.

Khwerero 6: Lipirani zomwe mwapambana ndikumaliza kulemba. Lipirani galimoto iliyonse yomwe mwapambanapo bid ndi ndalama kapena ngongole yovomerezeka. Osayiwalanso kusaina zikalata zonse zofunika, kuphatikiza bilu yogulitsa ndi umwini.

Kugula galimoto yogwiritsidwa ntchito ndi njira yabwino ngati mukufunafuna njira yotsika mtengo yokhala ndi galimoto. Pali magalimoto ambiri ogwiritsidwa ntchito omwe mutha kuwapeza kudzera m'malo ogulitsa magalimoto, mndandanda wam'deralo, ndi malonda agalimoto. Potsatira ndondomekoyi, mukhoza kupeza galimoto yabwino pamtengo wotsika.

Mukamaliza kugula galimoto, mutha kutsimikizira momwe ilili poyang'aniridwa ndi katswiri wovomerezeka, monga AvtoTachki. Makaniko athu ovomerezeka amabwera pamalo anu kudzayendera galimotoyo kuti muwonetsetse kuti palibe zodabwitsa mutagula.