Kufotokozera jargon auto finance

Ambiri aife timagula galimoto ndi ndalama chifukwa ndi njira yabwino yofalitsira mtengo kwa zaka zingapo. Izi zitha kupangitsa kuti galimotoyo ikhale yotsika mtengo komanso mumadziwa momwe mungagwiritsire ntchito mwezi uliwonse. Komabe, kumvetsetsa zandalama zamagalimoto kungakhale kovuta chifukwa cha kuchuluka kwa zilankhulo zina ndi mawu kuti zitheke.

Kuti tikuthandizeni kukonza zonse, taphatikiza chiwongolero cha AZ cha auto finance jargon.

CONTRACT

Mgwirizanowu ndi mgwirizano womangirira mwalamulo pakati pa wobwereka (inu) ndi wobwereketsa (kampani yazachuma). Imalongosola ndondomeko ya malipiro, chiwongoladzanja, makomisheni ndi chindapusa, ndikuyikanso ufulu wanu ndi zomwe mukufuna. Werengani mosamala ndipo onetsetsani kuti mtengo wa galimotoyo ndi wofanana ndi momwe mwasonyezera. Funsani mafunso kapena pezani lingaliro lachiwiri ngati simukutsimikiza chilichonse mumgwirizanowu.

Ndalama zangongole

Osasokonezedwa ndi ndalama zonse zomwe ziyenera kulipidwa, ngongoleyo ndi kuchuluka kwa ndalama zomwe kampani yazachuma imakubwereketsani. Chiwerengerochi sichikuphatikiza ndalama kapena ndalama zomwe mudzalandire posinthanitsa ndi galimoto yanu yamakono.

Mileage yapachaka

Mukafunsira ndalama za Personal Contract Purchase (PCP), muyenera kuyerekeza mtunda wanu wapachaka. (Cm. PSC Onani pansipa.) Ichi ndicho chiŵerengero chachikulu cha mailosi omwe mungayendetse chaka chilichonse popanda chindapusa china chilichonse. Ndikofunikira kuchita izi molondola chifukwa mudzalipidwa pa kilomita imodzi kupitilira mtunda womwe mwagwirizana. Mitengo imasiyanasiyana, koma obwereketsa nthawi zambiri amalipira 10p mpaka 20p pa kilomita iliyonse mopitilira.

Mtengo wapachaka (APR)

Chiwongola dzanja chapachaka ndi mtengo wapachaka wobwereka. Zimaphatikizanso chiwongola dzanja chomwe mudzalipire pazandalama, komanso chindapusa chilichonse chokhudzana ndi kubwereka. Chiwerengero cha APR chiyenera kuphatikizidwa muzolemba zonse ndi zipangizo zotsatsira, kotero ndi njira yabwino yofananizira zochitika zosiyanasiyana zachuma.

Pali mitundu iwiri ya APR: yeniyeni ndi yoyimira. Amawerengedwa chimodzimodzi, koma ndalama zoyimira pachaka zikutanthauza kuti 51% ya omwe adzalembetse adzalandira ndalama zomwe zanenedwa. Otsala 49 peresenti ya omwe adzalembetse adzapatsidwa milingo yosiyana, nthawi zambiri yapamwamba. Chiwongola dzanja chenicheni chapachaka chomwe mudzalandire mukabwereka. (Cm. chiwongola dzanja gawo pansipa.)

Kulipira ndi mipira

Mukalowa mgwirizano wachuma, wobwereketsa adzaneneratu mtengo wa galimotoyo kumapeto kwa mgwirizano. Mtengowu umaperekedwa ngati "callout" kapena "posankha komaliza". Ngati mwasankha kulipira, galimotoyo ndi yanu. Ngati sichoncho, mutha kubwezera galimotoyo kwa wogulitsa ndikubwezera ndalamazo. Kapena mutha kusinthanitsa ndi galimoto ina yomwe wogulitsa ali nayo pogwiritsa ntchito gawo lanu loyambirira. Kuwonongeka kulikonse kapena ndalama zochulukirapo zidzawonjezedwa kumalipiro omaliza a mpirawo.

Ngongole / makonda

Mbiri yangongole (yomwe imadziwikanso kuti ngongole yangongole) ndikuwunika kuyenerera kwanu kubwereketsa. Mukapempha ndalama zamagalimoto, wobwereketsa adzayang'ana ngongole yanu kuti akuthandizeni kupanga chisankho pa ntchito yanu. Cheke chofewa ndi cheke choyambirira kuti muwone ngati mukuyenerera kubwereketsa ena, pomwe cheke cholimba chimamalizidwa mutapempha ngongole ndipo wobwereketsa amawunikanso lipoti lanu langongole.

Ngongole yapamwamba imatanthawuza kuti obwereketsa amakuwonani kuti ndinu owopsa, choncho ndi bwino kuyang'ana zomwe mwapeza musanapemphe ngongole. Kulipira ngongole zanu ndi kulipira ngongole pa nthawi kudzakuthandizani kukweza ngongole yanu.

Pangani ndalama

Dipo, yomwe imadziwikanso kuti kasitomala deposit, ndi malipiro omwe mumapanga kumayambiriro kwa mgwirizano wazachuma. Kusungitsa ndalama zambiri kumapangitsa kuti muchepetse malipiro pamwezi, koma ganizirani zonse zomwe mungasankhe musanalembe. Zindikirani: Sizingatheke kuti ndalama zanu zibwezedwe ngati mutathetsa mgwirizano wandalama, chifukwa chake kulipira ndalama zambiri patsogolo si njira yabwino nthawi zonse.

Depositi

Ogulitsa magalimoto ndi opanga nthawi zina amapereka ndalama zomwe zimapita ku mtengo wa galimotoyo. Nthawi zina, muyenera kuwonjezera ndalama zanu. Zopereka za deposit nthawi zambiri zimaperekedwa ndi mgwirizano wandalama ndipo sizipezeka pokhapokha mutavomera. 

Ndalama zolipirira ndalama zimatha kukhala zazikulu, zomwe zimachepetsa kwambiri malipiro apamwezi. Koma onetsetsani kuti mukuwerenga tsatanetsatane wa mgwirizano. Manambala omwe ali pamitu angawoneke bwino, koma mawu a mgwirizanowo sangagwirizane ndi inu.

kukhumudwa

Uwu ndiye mtengo womwe galimoto yanu imataya pakapita nthawi. Kutsika kwamtengo wagalimoto kumakhala kokulirapo kwambiri mchaka choyamba, koma mtengowo umachepa pakatha chaka chachitatu. Ichi ndichifukwa chake kugula pafupifupi galimoto yatsopano kumatha kumveka bwino pazachuma - mwiniwake wapachiyambi adzameza kutsika kwamtengo wapatali. 

Ndi mgwirizano wa PCP, mumalipira mtengo wamtengo wapatali pa moyo wa mgwirizano, kotero kugula galimoto yokhala ndi mtengo wochepa wamtengo wapatali kudzakuwonongerani ndalama zochepa pamwezi.

Kukhazikika koyambirira

Kulipira kale, komwe kumadziwikanso kuti buyout kapena prepayment, ndi ndalama zomwe zimalipidwa ngati mwaganiza zobweza ngongoleyo msanga. Wobwereketsa adzapereka chiŵerengero choyerekezedwa, chomwe chitha kukhala ndi chindapusa chobweza msanga. Komabe, mudzasunga ndalama popeza chiwongola dzanja chingakhale chochepa.

Chuma

Uku ndiko kusiyana pakati pa mtengo wamsika wagalimoto ndi ndalama zomwe muli nazo kukampani yazachuma. Mwachitsanzo, ngati galimoto ikuwononga ndalama zokwana £15,000 koma muli ndi ngongole yokwana £20,000 kukampani yazachuma, ndalama zanu zosayenera ndi £5,000. Ngati galimotoyo ili ndi ndalama zokwana £15,000 ndipo mudalipira £10,000 yokha, muli ndi ndalama zabwino. Ngakhale kuti sizingatheke.

Kupanda chilungamo kungakhale vuto ngati mukufuna kubweza ngongole yanu msanga chifukwa mutha kulipira zambiri kuposa momwe galimotoyo ilili yoyenera.

Kupitilira mileage

Izi ndi ndalama zomwe mudzayenera kulipira pa mtunda uliwonse womwe mungayendetse kupitilira mtunda womwe mwagwirizana pachaka. Makilomita ochulukirapo nthawi zambiri amalumikizidwa ndi PCP ndi malonda obwereketsa. Pazinthu izi, malipiro anu a mwezi uliwonse amachokera ku mtengo wa galimoto kumapeto kwa mgwirizano. Mailosi owonjezera amachepetsa mtengo wagalimoto, kotero muyenera kulipira kusiyana kwake. (Cm. mtunda wapachaka gawo pamwambapa.)

Financial Conduct Authority (FCA)

FCA imayang'anira makampani azachuma ku UK. Udindo wa olamulira ndi kuteteza ogula muzochitika zachuma. Mapangano onse a ndalama zamagalimoto amagwera pansi pa ulamuliro wa wowongolera wodziyimira pawokha.

Guaranteed Asset Protection Insurance (GAP)

Inshuwaransi ya GAP imaphimba kusiyana pakati pa mtengo wamsika wagalimoto ndi kuchuluka kwa ndalama zomwe zatsala kuti zilipire pakagwa kapena kuba kwagalimoto. Palibe chifukwa chotengera inshuwaransi ya GAP, koma ndi bwino kuganizira mukamayendetsa galimoto yanu.

Guaranteed Minimum Future Value (GMFV)

GMFV ndiye mtengo wagalimoto kumapeto kwa mgwirizano wandalama. Wobwereketsa adzawunika GMFV potengera nthawi ya mgwirizano, mtunda wonse ndi momwe msika ukuyendera. Malipiro omaliza omwe mwasankha kapena mabaluni ayenera kugwirizana ndi GMFV. (Cm. baluni gawo pamwambapa.) 

GMFV imatengera kuganiza kuti simukupitirira malire a mtunda wanu, tumizani galimoto yanu motsatira miyezo yoyenera, ndikusunga galimoto yanu ili bwino.

Kugula Mwachikhazikitso (HP)

HP mwina ndiye njira yachikhalidwe yopezera ndalama zamagalimoto. Zomwe mumalipira pamwezi zimalipira mtengo wonse wagalimoto, ndiye mukangopanga gawo lomaliza, mudzakhala mwini galimotoyo. Chiwongola dzanja chimayikidwa nthawi yonseyi, ngongoleyo imagawidwa kukhala malipiro ofanana pamwezi, nthawi zambiri mpaka miyezi 60 (zaka zisanu). 

Kulipira ndalama zambiri kumachepetsa mtengo wamalipiro anu pamwezi. Koma simuli eni ake galimotoyo mpaka mutapereka malipiro omaliza. HP ndi yabwino ngati mukufuna kusiya galimoto kumapeto kwa mgwirizano.

Phunzirani zambiri za installment financing (HP) apa

Chiwongola dzanja

Chiwongola dzanja ndi ndalama zomwe mumalipira pobwereka ndalama zogulira galimoto pangongole. Chiwongola dzanja chimagawidwa muzolipira pamwezi. Pangano lanu lazachuma lidzafotokoza mtengo wonse wa chiwongola dzanja chomwe mudzalipire panthawi yobwereketsa. Mtengowo umakhazikitsidwa, kotero kuti kufupikitsa mgwirizano wachuma, mudzawononga ndalama zochepa pa chiwongoladzanja.

Kusinthana gawo

Kusinthana pang'ono ndikugwiritsa ntchito mtengo wagalimoto yanu yamakono monga chothandizira pamtengo wa yatsopano.

Izi zitha kuchepetsa malipiro anu pamwezi chifukwa mtengo wagalimoto yanu umachotsedwa pamtengo wagalimoto yomwe mukufuna kugula. Mtengo wa kusinthana kwanu pang'ono zimadalira zinthu zingapo zomwe zingaganizidwe ndi wogulitsa, kuphatikizapo zaka za galimoto, chikhalidwe, mbiri ya utumiki, ndi mtengo wamakono wa msika.

Personal Contract of Employment (PCH)

PCH, yomwe imadziwikanso kuti mgwirizano wa lease, ndi mgwirizano wobwereketsa kapena wobwereketsa wanthawi yayitali. Pamapeto pa nthawiyi, mumangobwezera galimotoyo ku kampani yobwereketsa. Pongoganiza kuti mwasunga galimoto ndikudutsa malire anu a mtunda, palibenso choti mukulipire. Zolipira pamwezi nthawi zambiri zimakhala zotsika, koma onetsetsani kuti mtengo womwe mwatenga ukuphatikiza VAT. Simungapatsidwe mwayi wogula galimoto nthawi yobwereketsa ikatha.

Kugula Mgwirizano Waumwini (PCP)

Zochita za PCP zitha kukhala zokopa chifukwa zolipira pamwezi ndizotsika poyerekeza ndi mitundu ina yambiri yobwereketsa ndi ndalama. Izi zili choncho chifukwa chakuti mtengo wambiri wa galimoto umasonyezedwa kumapeto kwa mgwirizano mu mawonekedwe a ndalama. Lipirani ndipo galimoto ndi yanu.

Kapenanso, mutha kubweza galimotoyo kwa wobwereketsa kuti akubwezereni ndalama zanu. Kapena pezani mgwirizano wina kuchokera kwa wobwereketsa yemweyo pogwiritsa ntchito galimoto yanu yamakono monga gawo la depositi.

Dziwani zambiri za Personal Contract Purchase Financing (PCP) apa.

mtengo wotsalira

Uwu ndiye mtengo wamsika nthawi iliyonse ya moyo wagalimoto. Wobwereketsa adzapereka mtengo wotsalira wagalimoto kumapeto kwa mgwirizano wazachuma kuti awerengere zomwe mumalipira pamwezi. Galimoto yokhala ndi chiwerengero chochepa cha kuchepa kwamtengo wapatali idzakhala ndi mtengo wotsalira kwambiri, choncho idzakhala yotsika mtengo kwambiri kuti ikhale ndi ndalama kuposa galimoto yomwe ili ndi mtengo wapamwamba kwambiri.

Mayendedwe amsika, kutchuka kwagalimoto, ndi mawonekedwe ake ndi zinthu zitatu zokha zomwe zimakhudza mtengo wotsalira.

Kukhazikika

Izi ndi ndalama zomwe zimafunika kuti mubweze ngongole yonse. Wobwereketsa wanu akhoza kutsimikizira ndalama zomwe mwabweza nthawi iliyonse panthawi ya mgwirizano. Ngati mwalipira theka la ndalama zomwe muyenera kulipira ndikulipira pamwezi pa nthawi yake, mulinso ndi ufulu wongobwezera galimotoyo. Izi zimatchedwa kuthetsa mwaufulu.

Nthawi

Awa ndi nthawi ya mgwirizano wanu wachuma, womwe ukhoza kusiyana pakati pa miyezi 24 mpaka 60 (zaka ziwiri mpaka zisanu).

Ndalama zonse zomwe ziyenera kulipidwa

Zomwe zimatchedwanso kubwezeredwa konse, izi ndi ndalama zonse zagalimoto, kuphatikiza ngongole yokha, chiwongola dzanja chonse chomwe chiyenera kulipidwa, ndi chindapusa chilichonse. Izi zikuyenera kukhala zokwera kwambiri kuposa mtengo womwe mungalipire mutagula galimotoyo ndi ndalama.

Kuthetsa mwaufulu

Muli ndi ufulu wothetsa mgwirizano wandalama ndi kubweza galimotoyo ngati mwalipira 50 peresenti ya ndalama zonse zomwe muyenera kuchita ndipo mwasamalira bwino galimotoyo. Pankhani ya mgwirizano wa PCP, ndalamazo zikuphatikizapo malipiro omaliza mwa mawonekedwe a mpira, kotero kuti mfundo yapakatikati imakhala pambuyo pake. M'makontrakitala a HP, mfundo ya 50 peresenti ili pafupi theka la nthawi ya mgwirizano.

Kusokonezeka

Kampani yazachuma idzakubwerekeni ndalamazo pokhapokha mutasamalira galimotoyo ndikuletsa kuwonongeka. Komabe, kung'ambika pang'ono kumayembekezeredwa, kotero simungakulipitsidwe chindapusa cha tchipisi ta rock pa hood, zokopa pang'ono pazantchito, ndi dothi pamawilo a aloyi. 

Chilichonse choposa pamenepo, monga mawilo opangidwa ndi aloyi, madontho amthupi, ndi kuphonya kwakanthawi kothandizira, zitha kuganiziridwa kuti ndi zauzimu. Kuphatikiza pa malipiro omaliza, mudzalipidwa ndalama. Izi zikugwiranso ntchito pamakina a PCP ndi PCH, koma osati pamakina ogulidwa kuchokera ku HP.

Mukalowa mu mgwirizano wandalama zamagalimoto, kampani yazachuma iyenera kukupatsani malingaliro oyenera - nthawi zonse fufuzani zomwe zaperekedwa mosamala kuti mudziwe zomwe zili zovomerezeka.

Kulipira ndalama zamagalimoto ndikofulumira, kosavuta komanso kokwanira pa intaneti ku Cazoo. Pali zambiri zabwino Magalimoto ogwiritsidwa ntchito kusankha ku Cazoo ndipo tsopano mutha kupeza galimoto yatsopano kapena yogwiritsidwa ntchito Kulembetsa kwa Kazu. Ingogwiritsani ntchito kusaka kuti mupeze zomwe mumakonda ndikugula, perekani ndalama kapena kulembetsa pa intaneti. Mutha kuyitanitsa zobweretsera pakhomo panu kapena kukatenga chapafupi Cazoo Customer Service Center.

Tikuwonjezera nthawi zonse ndikukulitsa mtundu wathu. Ngati mukuyang'ana kugula galimoto yogwiritsidwa ntchito ndipo simukupeza yolondola lero, ndi zophweka khazikitsani zidziwitso zotsatsira kukhala oyamba kudziwa tikakhala ndi magalimoto omwe amagwirizana ndi zosowa zanu.