Momwe mungachepetse ngongole yagalimoto yanu

Kulipira ngongole yagalimoto ndi njira yayitali yomwe imafuna kuti mukhale odzipereka ku bajeti yanu polipira ngongole pamwezi. Komabe, nthawi zina, kaya ndi kupeza ndalama zowonjezera kuti mulipire zina, kubweza ngongole yomwe muli nayo pano, kapena kungopanga zisankho zanzeru zopezera ngongole, mutha kuchepetsa ndalama zanu kwambiri, nthawi zina kwambiri. Musanasankhe momwe mungachitire, kambiranani zomwe mungachite ndi wobwereketsa galimoto yanu kuti muwonetsetse kuti ndizotheka.

Njira 1 ya 3. Gwiritsani ntchito kulipira kale kuti mulipire ngongole mwamsanga

Zida zofunika

• Calculator
• Mgwirizano wovomerezeka wa ngongole
• cholembera ndi pepala

Kubweza msanga kumakupatsani mwayi wolipira ngongoleyo kuposa momwe munavomerezera poyamba. Mumachita izi popereka ndalama zowonjezera pamwezi ndi ndalama zowonjezera zomwe zimagwiritsidwa ntchito pogwiritsa ntchito mfundoyi. Komabe, musanapitirize, muyenera kuonetsetsa kuti muli ndi ndalama zowonjezera kuti muthe kulipira kale komanso kuti wobwereketsa amakulolani kugwiritsa ntchito ngongole yanu yagalimoto.

• Ntchito: Njira yabwino yochepetsera ndalama zomwe muyenera kubweza ndi kukhala ndi mbiri yabwino yangongole ngakhale musanabwereke ngongole. Kutengera ngati ngongole yanu ndi yabwino kapena yabwino pang'ono, ngongole imatha kutanthauza kusiyana kwa madola masauzande angapo pamitengo yowonjezereka yokhudzana ndi chiwongola dzanja chokwera.

Gawo 1: Dziwani kuthekera kobweza ngongoleyo mwachangu. Ngakhale njira monga refinancing sizingakhalepo kwa inu chifukwa cha ngongole yanu yamakono, kulipira malipiro apamwamba pamwezi kungakulolereni kuchepetsa mkulu wanu.

Mfundo ndiye chinthu chofunikira kwambiri pakuwerengera kuchuluka kwa zomwe mumalipira pa moyo wanu wonse wangongole. Kuchepetsa izi mofulumira kuyenera kuchepetsa ndalama zomwe muli nazo.

• Kupewa: Musanabweze ngongole ya galimoto yanu yamakono, onetsetsani kuti palibe chilango cholipira ngongole ya galimoto yanu mwamsanga. Ngati simukutsimikiza za chilango chilichonse cholipira ngongole yanu, funsani wobwereketsa kuti mudziwe zambiri za ngongole yanu yagalimoto.

Khwerero 2: Onani Malipiro Aakulu Okha. Mukadziwa kuti wobwereketsa wanu amakulolani kulipira ngongole ya galimoto yanu mwamsanga popanda chilango, fufuzani njira zomwe amagwiritsa ntchito musanachite zimenezo.

Kaŵirikaŵiri amatchedwa malipiro aakulu okha, onetsetsani kuti wobwereketsa wanu adziwe kuti ndalama zowonjezerazo zimatani.

• ChenjeraniYankho: Obwereketsa ena amafunanso kuti muzilipira izi mosiyana ndi zomwe mumalipira pamwezi.

Chithunzi: Wells Fargo

Khwerero 3: Werengani malipiro anu pamwezi. Mutaunikanso ndondomeko yomwe muyenera kutsatira kuti mulipire ngongole yanu msanga mukabweza msanga, pezani ndalama zomwe muyenera kulipira mwezi uliwonse pakubweza msanga.

Mutha kugwiritsa ntchito chowerengera kuti muwerenge kuchuluka kwake, kapena kugwiritsa ntchito chowerengera chapaintaneti. Masamba ena omwe amapereka zowerengera zaulere zolipirira ngongole zamagalimoto ndi Wells Fargo, Calxml. com, ndi Bankrate.

Njira 2 mwa 3: Chotsani munthu wapakati

Pogula galimoto, onetsetsani kuti mwayang'ana njira zonse zomwe zilipo musanatenge ngongole. Ngakhale wogulitsa angapereke njira yabwino poyesa kupeza ndalama zogulira ngongole ya galimoto, nthawi zambiri amakhala ngati mkhalapakati pakati pa inu ndi wobwereketsa weniweni, ndikuwonjezera ndalama zothandizira. Kuonjezera apo, kufunikira kwa ngongole yaying'ono kungathe kuonjezera kwambiri ndalama zanu zachuma pamene wobwereketsa akuyesera kupindula ndi ngongole yaying'ono.

Gawo 1: Dziwani zotsatira zanuYankho: Pezani ngongole yanu musanapemphe ngongole yagalimoto ndi wobwereketsa. Ndikofunikira kudziwa kuti chiwongola dzanja chanji chikhoza kupindula.

Chithunzi: Equifax

Aliyense ali oyenera kulandira lipoti laulere langongole kuchokera ku imodzi mwamabungwe atatu angongole chaka chilichonse. Lumikizanani ndi Experian, Equifax kapena TransUnion kuti mupeze lipoti lanu. Mutha kupezanso kopi kuchokera patsamba la AnnualCreditReport.

Mukadziwa zotsatira zanu, mutha kuwona momwe zimakhalira:

• Pansi pa 550 pali zolakwika, zimakhala zovuta kapena zosatheka kupeza ngongole yagalimoto. Kupeza ndalama kungabweretse chiwongola dzanja chokwera kwambiri.

• Pakati pa 550 ndi 680 substandard, kotero sizabwino, koma zitha kugwiridwa ntchito.

• Zotsatira pamwamba pa 680-700 zimatengedwa ngati "zambiri" ndipo zimabweretsa chiwongola dzanja chabwino. Ngati mphambu yanu ili pansi pa 680, ndiye kuti kugula galimoto moyenera komanso kulipira pafupipafupi kumatha kukulitsa mphambu yanu.

• Chenjerani: Ogulitsa magalimoto sayang'ana lipoti lanu langongole, amangokweza mphambu zanu.

Gawo 2: Onani njira zosiyanasiyana zopezera ndalama zomwe mungapeze. Izi zikuphatikizapo kupita kubanki kapena mabungwe ena azachuma kuti muwone ngati banki ingakuthandizeni.

Nthawi zambiri izi zimatsimikiziridwa ndi momwe ngongole yanu ilili yabwino. Polumikizana ndi banki kapena bungwe la ngongole mwachindunji, mutha kuchepetsa chiwongola dzanja chambiri chokhudzana ndi kupeza ngongole kuchokera kwa ogulitsa.

Gawo 3: Lipirani ndi ndalama ngati mungathe. Ngati mumangofuna ngongole ya madola zikwi zingapo, ndi bwino kudikirira ngati n'kotheka ndikulipira ndalama za galimotoyo. Obwereketsa ambiri ali pamsika kuti apange ndalama zochepa kuwonjezera pa zomwe amapereka. Ndalamazo zikachepa poyerekeza, wobwereketsayo nthawi zambiri amalipira ndalama zambiri kuti apange ndalama zochepa.

• NtchitoA: Ngati ngongole yanu ndiyotsika kwambiri, muyenera kuganizira bwino musanatenge ngongole yagalimoto. Chimodzi mwazinthu zomwe mungatenge ndikulumikizana ndi bungwe lopereka upangiri wangongole kuti mumangenso ngongole yanu pakapita nthawi. Bungweli likuthandizani pazinthu monga kupanga bajeti ndikuzindikira njira yabwino yolipirira ngongole yanu, ngakhale ambiri amalipiritsa ntchito zawo.

Njira 3 mwa 3: Limbikitsaninso ngongole yanu

Njira ina yabwino yochepetsera ndalama zomwe muyenera kulipira ndikubweza ngongole yanu yagalimoto. Musanabwereke ngongole yoyamba, onetsetsani kuti wobwereketsa akuloleza kubweza ndalama, ndipo ena satero. Ndiye, ngati mwaganiza zopita njira iyi, mudzadziwiratu zomwe mungachite.

Gawo 1: Sonkhanitsani Zolemba. Pambuyo polumikizana ndi wobwereketsa wanu, muyenera kusonkhanitsa zambiri zokhudzana ndi ngongole yagalimoto yanu. Kukhala ndi chidziwitso chotsatirachi kuyenera kupangitsa kuti ntchito yonse yobwereketsa ndalama ikhale yosavuta, kuphatikiza:

• Mbiri yanu yangongole
• Chiwongola dzanja pa ngongole yagalimoto yamakono
• Kodi muli ndi ngongole zingati pa ngongole yanu yamakono
• Nambala yamalipiro otsala
• Mtengo wagalimoto yanu
• Pangani, chitsanzo ndi kuwerenga odometer
• Mbiri yanu yantchito ndi ndalama zomwe mumapeza pachaka

Gawo 2. Fananizani mawu. Ngati mukuyenerera kubwezeredwa ndalama, yerekezerani zomwe wobwereketsa wanu akukupatsani ndi za mabungwe ena azachuma.

Kumbukirani nthawi yangongole yatsopano, chiwongola dzanja chatsopano, zilango zilizonse zolipiriratu ndi zobweza mochedwa, ndi zolipiritsa zilizonse kapena zolipiritsa zandalama.

Pokhapokha mutakhutira ndi mfundozo, muyenera kuvomereza ndi kusaina zikalatazo.

• KupewaYankho: Muyeneranso kudziwa ngati pali zovomerezeka zobwezera galimotoyo komanso zomwe zili musanasaine. Ndichedwa kwambiri kudziwa kuti pali vuto lina lapadera lomwe mudaphonya pamene wobwereketsa abwera kudzatenga galimoto yanu.

Kubweza ngongole yagalimoto yanu yamakono ndi njira yabwino yochepetsera ndalama zomwe muli nazo pano, kuphatikiza ndalama zilizonse zandalama. Onetsetsani kuti galimoto yanu ikugwira ntchito bwino kuti muwonetsetse kuti ikupatsani nthawi yonse ya ngongole ndi kupitirira. Izi zikuphatikizanso kuwunika kodziletsa ndi kukonza. Lolani makaniko athu odziwa zambiri akuthandizeni kuti galimoto yanu ikhale yabwino.