0% Zogulitsa Magalimoto: Zoona Zokhudza 0-1% Ndalama Zatsopano Zamagalimoto
Lamuloli likuwoneka lodziwikiratu kotero kuti mwina ngakhale mu malonda a Donald Trump Art of the Deal ngati mumakonda mabuku okhala ndi mawu achidule: "Chilichonse chomwe chimamveka bwino kwambiri kuti chikhale chowonadi chimakhala chowonadi."
Ndiye ngati muwona malonda akulonjeza kuti "0% APR," "0% ndalama zamagalimoto," kapena "1% yandalama zamagalimoto," nthawi yomweyo tenga magalasi anu owerengera ndikukonzekera kuyamba kuyang'ana chindapusa. Press chifukwa pali zambiri zatsopano zamagalimoto zamagalimoto kuposa momwe zimawonekera.
Chosavuta komanso chodziwikiratu ndichakuti magalimoto atsopano okhala ndi zero ndalama amatha kukhala okwera mtengo kuposa kugula galimoto yomweyi ndi chiwongola dzanja chokhazikika. Izi zitha kuwoneka ngati zotsutsana ndi inu, ndipo ngati ndi choncho, muyenera kuwerengabe.
Mukawona zopereka ngati "0% financing" zimamveka ngati gehena, koma ndi momwe ndalama zamagalimoto zimakhalira. Kwenikweni, zonse ndi kulowa mu showroom.
Zomwe muyenera kulabadira ndizomwe zili pansi, ndipo masamu apa ndi osavuta. Ngati mungagule galimoto ndi ndalama zokhazikika, nenani 8.0%, pa $ 19,990, idzakhala yotsika mtengo kuposa kugula galimoto pa 0 peresenti ngati galimoto yomweyi ili $ 24,990 pa malonda anu "wapadera" 0 peresenti. .
Chifukwa ndizomwe makampani amagalimoto nthawi zina amachita, makamaka ngati njira yobwezera ndalama zomwe mwapereka ndi "0% financing" mwachitsanzo. Amakupatsani mtengo wotsika koma amawonjezera mtengo wagalimoto kapena kuwonjezera ndalama zowonjezera, zolipiritsa zotumizira ndi zolipiritsa. Apanso, zonse ndi kuwerenga zolemba zabwino.
Pogwiritsa ntchito chitsanzo chapamwambachi, tinagwiritsa ntchito webusaitiyi kuti tiwerengere kuti malipiro onse pa 8 peresenti angakhale ochepa kuposa 0 peresenti, zomwe sizingakhale zoona.
Pa 8 peresenti, galimoto yamtengo wapatali $19,990 pazaka zitatu idzafuna kubweza $624 pamwezi, kutanthauza kuti mumatha kulipira $22,449 ya galimotoyo patatha zaka zitatu.
Koma mtengo wa $24,990 woperekedwa zaka zitatu pa chiwongola dzanja cha zero ukadali $0 pamwezi, kapena $694 yonse.
“Makampani ambiri amagalimoto amagwiritsira ntchito ndalama zotsika mtengo kuti apeze makasitomala m’malo ogulitsa galimoto, koma nthaŵi zambiri, malonda amaphatikizapo mtengo wathunthu wa galimotoyo ndipo wogulitsayo akulipira ndalama zonse,” akufotokoza motero katswiri wina wazachuma wodziŵa bwino lomwe.
“Iyi ndi njira yokhayo yomwe makampani amagalimoto amapezera chiwongola dzanja chochepa. Pamapeto pake amapeza ndalama zawo. Simupeza kalikonse kwaulere."
Kodi muyenera kuchita chiyani mukagula ndalama zabwino kwambiri?
Akatswiri azachuma amalangiza zomwe muyenera kuchita ndikufanizira ndi kufananiza zomwe zaperekedwa, osati kugulitsa zinthu zosavuta monga "0% ndalama".
Funsani kuti mudziwe zonse zomwe zabwezedwa pa 0 peresenti iyi komanso kuti mtengo wonsewo udzakhala wotani, kuphatikiza zolipira zonse. Ndiyeno yerekezerani mtengo umenewo ndi mtengo umene mungapeze kuchokera ku kampani yazachuma ya chipani chachitatu—banki yanu kapena wobwereketsa wina—ndimo mmene mungapezere galimoto yomweyo motchipa ngati mutapeza ndalama zanu (kapena, ngati n’kotheka, lipirani. ndalama). zomwe nthawi zambiri zimatsitsa mtengo kwambiri).
Nthawi zonse onetsetsani kuti mukufunsa za orb payout kumapeto kwa ndalama zilizonse chifukwa pangakhale misampha yobisika mu izi.
Chinthu chanzeru kwambiri choti muchite, ndikukambirana, chifukwa ngati mutha kupangitsa wogulitsa wanu kuti amangirire ndalama zawo za zero pamtengo wotsika mtengo wotuluka, ndiye kuti mumapambana mbali zonse za bukulo.
Zoonadi, mufunika wogulitsa yemwe akufunitsitsa kusintha chitsanzo ichi, koma kumbukirani kuti sizimapweteka kufunsa. Ndipo nthawi zonse muyenera kukhala okonzeka kuchoka ndikufunsa funso lomwelo kwa wogulitsa wina.
Ndipo nthawi zonse muziyang'anira ndalama zanu. Malonda otsika kwambiri mpaka 2.9% ndiwofala masiku ano ndipo mbiri yake ndi yabwino kwambiri. Ndipo ngati mukulolera kutenga chiopsezo ndikupeza bwino ndi ndalama za zero, pali makampani ambiri amagalimoto kunja uko omwe angayese kukusangalatsani.
Mu 2021, zikuchulukirachulukira kuwona ogulitsa akuimba malipenga kuti ali ndi "0 peresenti ya ndalama zogulira magalimoto", mwina chifukwa ogula ayamba kuchita chinyengo.
Ndizofala kwambiri kupeza "chowerengera ndalama" chokhala ndi masikelo otsetsereka patsamba lamtundu wagalimoto - izi zimakulolani kuyika chiwongola dzanja chomwe mukufuna kulipira, nthawi yomwe mukufuna kubweza ngongoleyo, ndi zingati (ngati zilipo) mudzalipira ndalama zambiri kumapeto kwa nthawi .
Izi zingakupangitseni kumva ngati ali pampando wa dalaivala, kunena kwake, ndi ufulu wokhazikitsa mfundo za ngongole kuti zigwirizane ndi zofuna zawo, koma chenjezo lomwelo limagwira ntchito: kutsika kwa chiwongoladzanja, kukukwera kwanu. adzalipira pakapita nthawi; ndipo ndalama zowonjezera zitha kubwera panjira (nthawi zambiri pakati pazimene mungawone kuti wopanga magalimoto ali ndi "ufulu wosintha, kukulitsa kapena kuchotsa zomwe amapereka nthawi iliyonse" komanso "misonkho ndi chindapusa" chakale chabwino, pitilizani ndi chenjezo).
Mutha kugwiritsa ntchito masambawa kuti mupeze zotsatsa zabwino kwambiri, kapena kungopeza mtundu womwe mumakonda komanso mtengo womwe mukufuna.
Momwe mungachitire
- Funsani kuti ndalama zonse zomwe zabwezedwa zizikhala zotani pa moyo wa ngongoleyo, mosasamala kanthu za chiwongola dzanja chomwe apereka.
- Nthawi zonse yerekezerani zomwe zimaperekedwa kwa ogulitsa ndi zomwe zimaperekedwa kunja chifukwa nthawi zina wogulitsa amakhala ndi mwayi wabwinoko ndipo nthawi zina amakhala mabanki ndi obwereketsa ena omwe ali otsika mtengo.
- Funsani ngati chiwongola dzanja chochepa chikugwirizana ndi mtengo wagalimoto kapena ngati mtengo wagalimoto nawonso ungakambirane.
- Onani nthawi yobwereketsa. Zopereka zambiri zokhala ndi chiwongola dzanja chochepa zimapezeka kwa zaka zitatu zokha, ndipo zolipira pamwezi zimatha kukhala zokwera kuposa chiwongola dzanja chanthawi yayitali.
