Kugula kapena kubwereka galimoto yamagetsi? - Malangizo athu

Malinga ndi barometer ya mwezi uliwonse ya Avere-France, panali 93% kuwonjezeka kulembetsa kwa magalimoto opepuka amagetsi kuyambira Januware 2018. Msika wamagalimoto amagetsi ukukulirakulira. Chifukwa chakuchulukirachulukira, yankho lachilengedweli likukopa anthu aku France ochulukirachulukira. Apa tikudzifunsa kuti: Gulani kapena lendi galimoto yake yamagetsi?

Kodi nchifukwa ninji kuli koyenera kukonda kubwereketsa kwa nthaŵi yaitali galimoto yamagetsi?

Ku France, ndalama zopitilira 75% zamagalimoto amagetsi zimabwera kudzera m'mapangano kubwereketsa ndi mwayi wogula (LOA) kapena Kubwereka kwanthawi yayitali (LLD) malinga ndi French Association of Financial Companies (ASF).

Kuchokera pazachuma, phindu lalikulu la kubwereketsa galimoto yamagetsi ndi kusowa kwa ndalama zambiri. Popeza kugula galimoto yamagetsi akadali okwera mtengo kwambiri, kubwereketsa kumakupatsani mwayi wowongolera bajeti zosavuta komanso mwezi kugawa ndalama.

Ubwino wosakhala ndi galimoto ndi umenewo zovuta zothetsera monga mautumiki angapo nthawi zambiri amaphatikizidwa pamtengo kapena kupezeka ngati njira (chitsimikizo, ntchito, inshuwaransi, ndi zina). Izi zimakupatsani mwayi wodzimasula nokha ku zovuta zachuma zomwe zingatheke.

Mukagula galimoto yamagetsi, imataya pafupifupi 50% ya mtengo wake m'zaka zingapo zoyambirira, ndipo kuchotserako kumapitirirabe zaka zotsatila. Chifukwa chake, kugulitsanso galimoto yanu kumatanthauza kutaya ndalama chifukwa chataya mtengo wake. Kubwereketsa kwanthawi yayitali pewani izi chifukwa palibe funso gulitsanso ; Mukhoza kusintha galimoto yanu nthawi zonse ndikusangalala ndi galimoto yanu yamagetsi, yomwe imakhala yabwino nthawi zonse.

Chifukwa chake, kubwereka kwa nthawi yayitali (LLD) kukukhala njira yotchuka kwambiri yamagalimoto amagetsi.

Bwanji kugula galimoto yamagetsi?

Gulani kapena lendi galimoto yake yamagetsi? Kugula galimoto yamagetsi kumakhala mwinindipo, motero, khalani ndi ulamuliro wonse pa galimotoyo, mutha kugwiritsa ntchito njira zonse zomwe zingatheke ndikuzigwiritsa ntchito mwakufuna kwanu.

Galimoto yanu imakupatsani mwayi "kuyiwala" za makilomita omwe mwayenda. Bilu iyi ndi yofunika pobwereka galimoto yamagetsi.

Kugula galimoto yamagetsi ndi ndalama. Pamenepa, ndalamazo zimangowonjezera kukonza ndi magetsi ofunikira kuti apereke galimotoyo. Iwo mtengo wotsika wogwiritsa ntchito kuposa injini yamoto. Izi zimapangitsa kuti zitheke kuti kugula galimoto yamagetsi ikhale yopindulitsa. Zowonadi, mtengo wamafuta umachepetsedwa ndi 75% ndikuyambitsa galimoto yamagetsi, ndipo ndalama zosamalira zimachepetsedwa ndi 20%.

Choncho, kugula ndi njira yabwino kwambiri yothetsera. ngati mukufuna kukhala ndi mtunda wautali kapena ngati mukufuna galimoto yamagetsi kwa nthawi yayitali (kuposa zaka 3).

Bwanji kugula kapena kubwereka galimoto yamagetsi yomwe yagwiritsidwa kale ntchito?

Galimoto yatsopano yamagetsi ikufunika ndalama; kusankha galimoto yamagetsi yomwe idalipo kale ikhoza kuchepetsa kwambiri ndalama ngati galimotoyo imalandira kuchotsera. Choncho, chifukwa chake lipoti lamtengo wapatali kwambiri galimoto yatsopano yamagetsi ikadali yokwera mtengo kwambiri. Kuwonjezera apo, patatha zaka zochepa chabe, imataya theka la mtengo wake; chachiwiri, kuchepa kwa mtengo ndikukhazikika.

Kupatula gawo lazachuma, phindu la chilengedwe ndilofunikanso. Ngati galimoto yamagetsi imakhala yoyera kuposa mafuta ndi dizilo, mwayi woterowo udzapatsa galimotoyo moyo wachiwiri, kuonjezera nthawi yake, potero kumathandizira kuti pakhale dziko lobiriwira komanso lanzeru. Galimoto yamagetsi yogwiritsidwa ntchito imalola aliyense kuyendetsa bwino ndikusunga ndalama; njira zothandiza padziko lonse lapansi ndi chikwama.

Kupitira patsogolo: Magalimoto amagetsi ogwiritsidwa ntchito: zinthu zofunika kuziwona musanagule