Maitiro ekutenga mota pasina chikwereti

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Maitiro ekutenga mota pasina chikwereti

Kutenga sei mota pasina kiredhiti? . Kana iwe uchangobva kutamira kuUnited States, uri mudzidzi wekoreji, kana kuti hauna kumbotora nguva yekuvaka nhoroondo yechikwereti , kutenga mota hazviite.

Zvisinei, zvingangoda zvimwe kuenderera mberi nekuferefeta kuona kuti iwe unowana iyo chipo chakanakisa chiripo - iyo, zvinosuruvarisa, icharamba ichidhura kupfuura kana iwe uine yakasimbiswa uye yakanaka nhoroondo yechikwereti. Izvi ndizvo zvaunofanira kuziva.

Sei Kusina Kiredhiti Kunokanganisa Iyo Mota Kutenga Maitiro
Kunze kwekunge iwe uine mari yekutenga mota chaiko, iwe unozoda chikwereti kuti uwane chikamu chikamu kana yese yemutengo wekutengesa.

Nekudaro, kana iwe usina nhoroondo yechikwereti Zvinogona kuve zvakaoma kugutsa vamwe vanokweretesa kuti vakupe chikwereti. Izvi zvinodaro nekuti nhoroondo yemunhu yechikwereti, uye chikamu chechikwereti chinomiririra, zvinoratidza kuti vangangobhadhara sei zvikwereti zvavo nenguva.

Kana iwe usina nhoroondo yechikwereti, vanokweretesa havana chero ruzivo rwekare kuvabatsira kuona kana iwe uri mutoro anokwereta kana kwete. Kune vazhinji vanokweretesa, iyo njodzi yakanyanya kukwirira, uye vanogona kuramba kunyorera.

Nekudaro, kune vamwe vanopa zvikwereti vanehunyanzvi mukushanda nevanhu vane zvishoma kana vasina kana kiredhiti. Kunyange zvichikwanisika kuti ugamuchire chikwereti kuburikidza navo, unogona kazhinji kutarisira kubhadhara muripo we kufarira kukuru pachikwereti chako kusvikira iwe wagona yakanaka yakakwana kiredhiti nhoroondo yekugadzirisa iyo chikwereti mune ramangwana.

Kunyangwe iwe uchikodzera Iwe unogona kugumira kune dzakashandiswa mota kwenguva, kunyanya nekuti mota nyowani dzinowanzo dhura zvakanyanya uye ungasakwanise kuwana chikwereti chakakura zvakakwana kusangana nemutengo wekutengesa.

Chekupedzisira, kuve nechikwereti chakaipa kunogona kukanganisa maitiro ako emota inishuwarenzi. Mune matunhu mazhinji, auto inishuwarenzi vanoshandisa iyo inonzi yechikwereti-yakavakirwa inishuwarenzi mamaki kubatsira kubatsira kuona yako chiyero. Kunyangwe zvisingaiti kuwedzera mwero wako wega, zvinogona zvimwe zvikonzero. Chero nzira, unogona kurasikirwa nemari yako.

Maitiro ekutenga mota pasina chikwereti

Tenga mota pasina chikwereti . Kana iwe uchitsvaga chikwereti chemotokari uye uchida kudzivirira kutorerwa mukana, pane zvishoma zvinhu zvaunogona kuita. Heano mamwe emhando dzakanakisa sarudzo dziripo dzekutenga mota pasina kiredhiti.

Tora co-signer

Kana iwe uine nhengo yemhuri ine chikwereti kana shamwari inoda kunyorera newe, unogona kukwanisa kuwana chikwereti chemotokari kunyangwe nevamwe vekare vanopa mota vangangozvinyora.

Izvi ndezvekuti co-signer zvakare ane mvumo yekubhadhara chikwereti. Saka mukweretesi anoziva kuti kana ukasabhadhara, mumwe munhu ari pachikwereti anowanzo kubhadhara chikwereti ichi kudzivirira kuti chikwereti chako chisaparadzwe.

Tsvaga kwese kwese

Izvo zvakakosha kuti uenzanise chero chigadzirwa chemari, asi zvinonyanya kukosha kana iwe uine yakaipa kiredhiti. Kune vakweretesi vakati wandei vanobhadharisa mwero wakanyanya wemubhadharo uye mubhadharo, vachitora mukana wevanhu vanoshuvira chikwereti uye vasingazive zvese zvavanogona.

Usatsigire wekutanga chikwereti chaunogamuchira iwe . Ongorora zvaunogona kuita kuti uwane auto chikwereti chinonyatsokodzera mamiriro ako ezvemari, anodaro Sean Messier, muongorori weindasitiri yechikwereti kuCredit Card Insider.

Nekufananidza mhando dzakasiyana dzezvikwereti, iwe unenge uine zano riri nani reanogamuchirwa mazwi uye asiri ayo. Mawebhusaiti senge Auto Kiredhiti Express anokutendera kuti ubatanidzwe nevanoremekedzwa vakweretesi zvichibva pachikwereti chako, zvichirerutsa nzira yekutsvaga.

Paunenge uchinge uine vashoma vanokweretesa kuti uenzanise, gara pane iyo inopa akanakisa mazwi emamiriro ako.

Chinhu chimwe chete chekuteerera kana uchitenga mota usina kiredhiti ndeyekutengesa iyo inopa-mumba mari. Izvi zvinotenga pano, kubhadhara apa vatengesi dzimwe nguva havashambadze chero cheki cheki kana kuita kusava nehanya nekuti nhoroondo yako yechikwereti yakaita sei.

Nekudaro, aya ma dealership anowanzo kubhadharisa yakakwira yakawanda mitero yemitero kupfuura kunyange yakaipa yakaipa vanopa chikwereti, uye mukana wekudzoka kazhinji kazhinji wakakwirira. Zvakare, vangangorega kubhadharira kubhadhara kwako kumatatu emunyika ekuzivisa zvikwereti, izvo zvinogona kukubatsira kuti utange nhoroondo yako yechikwereti uye ukwanise kuwana mitengo iri nani mune ramangwana.

Sevha yemubhadharo wakakura pasi

Vamwe vanopa auto vanoshanda nevasiri-chikwereti vanokwereta vangangoda kubhadharwa kwakakura pasi kuti vadzikise njodzi yavanotora pachikwereti chavo. Nekudaro, kana iwe uine nguva yekuchengetedza yakawanda, iwe unogona kuwedzera kudzikisira njodzi yako yechikwereti uye ungangodzikisira yako chiyero chemari.

Zvakare, iyo yakakwira yako yepasi kubhadhara, zvishoma iwe uchafanirwa kukwereta uye zvishoma iwe zvauchazobhadhara mubereko pamusoro pehupenyu hwechikwereti.

Funga nezve mutengesi mari

Iwe pamwe wakaona kushambadzira kwese kwese: hapana chikwereti, hapana dambudziko. Saka kana iwe uri mutengi ane yakaipa kiredhiti kana musina chero kiredhiti kuratidza, iwe unogona here kuwana chikwereti kubva kune wako wepakati zita zita mutengesi wemotokari? Zvakanaka izvo zvinoenderana nemutengesi.

Kana iwe uchinge uchinge uchinge uchinge uchinge uchitaurirana nemukurumbira, musimboti wevatengesi une zvisungo kumutengesi mukuru wemotokari, zvinogona kunge zviri mukuda kwako kuita mafoni mashoma kumaneja wezvemari uye kukumbira rumwe ruzivo nezve chikwereti.

Asi unogona here kushanda nemunhu asina kiredhiti? Uye kana zvirizvo, chii chavanoda kubva kwauri kuti upe chikwereti ichi? Inogona kuve nhoroondo yako yebasa, kana pamwe unosaina-asi, asi kana iwe uchigona kuvapa izvo zvavanokumbira, unogona kuwana mukana wakanaka. Mutengesi chaiye anogona zvakare kukwanisa kukubhadhara iwe neinishuwarenzi yakanaka yemotokari.

Funga nezvemabhangi enharaunda nemubatanidzwa wechikwereti

Iyo zvikwereti zvevashandi Kana iwo madiki emunharaunda mabhangi anogona kuve akareruka mukuita iwe chikwereti kana makuru mabhanga asina. Chakavanzika apa kuziva kwekutarisa. Semuenzaniso, iwe ungangoda kutsvaga vakweretesi vane-kekutanga-nguva vanotenga zvirongwa. Izvi zvaive zvakagadzirirwa vanhu vane zvishoma kushaya kiredhiti.

Sezvo ivo vachange vachitarisa kupfuura yako chikwereti mamaki, vanogona kunge vachifarira zvimwe zvinhu: kugadzikana kwebasa, kubhadhara masitubhu, kubhadhara kwemwedzi pamwedzi, uye nei usina chikwereti panguva ino. Kana chiri chinhu chavanoona chichigamuchirwa, unogona kukwanisa kuwana chikwereti.

Zvikwereti zveMusika

Nhasi, unogona kuwana musika wezvose, uye izvi zvinosanganisira zvikwereti. Mune ino kesi, iwe unenge uchishanda ne broker, mumwe munhu ano ongorora yako yemari data uye oburitsa mazwi ako kune vangangodaro vanotsigira. Ivo vanozofunga kuti vokupa iwe chikwereti here kana kwete, zvichibva paruzivo rwavakagamuchira kubva kune broker.

Izvo zvakanaka nezvakaipa pakutenga mota pasina kiredhiti

Sezvauri kuona kare, zvinokwanisika kuwana mota isina nhoroondo yechikwereti. Nekudaro, usati watanga maitiro, zvakakosha kuti uzive zvakanakira nekuipira kuita kudaro.

Zvayakanakira

  • Kubatsira: zvinogona kukubatsira iwe kuvaka yako kiredhiti Iwe haugone kuvaka chikwereti pasina kutora kiredhiti, uye chikwereti chemotokari kubva kumukweretesi uyo anomhan'arira chiitiko cheakaundi kumahofisi echikwereti anogona kunge ari mavambo akanaka.
  • Chazvakanakira: Tora mota paunenge uchiida Kana iwe usingakwanise kumirira kuvaka yako kiredhiti nhoroondo neimwe nzira, kuwana chero chikwereti chemotokari chikwereti izvozvi kunogona kutungamira kumota izvozvi.
  • Chakanakira: iwe unogona kunatsiridza gare gare Kuwana chero chikwereti chemotokari chikwereti kunodhura. Asi apo iwe paunovaka nhoroondo yako yechikwereti pagore rinotevera kana maviri, iwe unogona kunyorera kugadzirisa mari yako yekutanga chikwereti, zvingangoita pamutengo wakaderera zvakanyanya uye zviri nani mazwi ese.

Nezvayakaipira

  • Kukanganisa: inodhura Kunyangwe iwe ukadzivisa Tenga Pano, Bhadhara Pano vatengesi, iwe unogona kupedzisira uine huwandu hwechikwereti pamusoro pe20% - chimwe chinhu chandakaona pandakanga ndichishanda pamotokari yemari. Zvichienderana nekukosha kwemota yako uye kuti uri kukwereta zvakadii, unogona kupedzisira wabhadhara yakawanda mubereko sezvawakaita pamotokari.
  • Kukanganisa: Unoda mari yakawanda yekubhadhara pasi Zvichava zvakaoma kuwana mukweretesi anozokubhadharira mota iwe usina muripo wepasi. Muchokwadi, yakawanda yenguva ivo yavanoda yakakwira kupfuura yakajairwa pasi kubhadhara kuti uwane chikwereti. Nekudaro, hapana mutemo wakaomarara uye unokurumidza, saka taura nevanopa mari usati wanyorera ma tern.
  • Con: Njodzi dzekubiridzira uye dzinodya zvikwereti Kune vazhinji vanotsotsa uye vanodya zvikwereti vanoshandisa vanhu vanotenda kuti havana imwe sarudzo. Kana iwe ukakumbirwa kubhadhara mari usati waenda kune wevatengesi kana mazwi echikwereti anoita seanotyisa (matani emari uye zviyero zvemubhadharo zve30% kana kupfuura), iwo makuru mireza matsvuku.

Funga kumirira kusvikira iwe wagadzira nhoroondo yechikwereti

Kana iwe usina endorsement uye uchigona kumirira chinguva usati waida mota, funga kutora nguva yekuvaka chikwereti uye kumisikidza yakanaka kiredhiti usati wanyorera chikwereti chemotokari.

Imwe nzira yekuita izvi ndeyekuwedzera seanobvumidzwa mushandisi kuaccredit kadhi account yemumwe wemhuri kana shamwari. Kana iyo account iine yakanaka yekubhadhara nhoroondo uye ine yakaderera yakaringana, iwe unogona kuwana iyo kiredhiti kubatsirwa kweiyo account pasina iro basa rekubhadhara iyo bharanzi.

Imwe nzira ndeye kuvhura yako pachako kiredhiti kadhi account. Kadhi rechikwereti rakachengetedzwa ndiyo yakasarudzika sarudzo kune vanhu vasina kiredhiti. Aya makadhi anoshanda nenzira yakafanana kumakadhi echikwereti enguva dzose, asi anoda yekumberi kuchengetedzeka dhipoziti, iyo iwe yaunogona kudzoka mushure mekuratidzira kushandiswa zvine musoro kwekadhi rechikwereti kana kana iwe ukavhara account yako.

Kana iwe uchida kudzivisa dhipoziti, kune dzimwe nzira dzisina kuchengetedzwa dzisiri dzakaipa, senge iyo Deserve Classic Mastercard uye iyo Petal Visa kadhi. Aya makadhi akagadzirirwa zvakanyanya kune vanhu vasina nhoroondo yechikwereti uye inogona kukubatsira iwe kuvaka chikwereti nekudzishandisa nguva dzose uye kubhadhara bhiri rako nenguva mwedzi wega wega.

Chengetedza nhoroondo yekubhadhara nenguva chero zvodii, Messier anoti, nekuti ichi ndicho chinhu chakakosha pakuronga chikwereti chako.

Chekupedzisira, funga kutora chikwereti chekuvaka-chikwereti, icho chinogona kukubatsira iwe kuvaka nhoroondo yechikwereti pasina inotyisa mitero yemitero.

Mushure mekuvaka kiredhiti kweinenge mwedzi mitanhatu, iwe unowana iyo FICO kiredhiti mamaki, ayo anogona kubatsira kuvandudza mikana yako yekuwana chikwereti chemotokari nenzira dzakanaka. Kana yako mamaki yave 670 kana kupfuura , ichaonekwa seyakanaka, inozovhura zvaunogona kuita zvakanyanya.

Zvaunofanira kuita kana iwe usingakwanise kumirira

Kana iwe usina nguva yekushanda pakuvaka yako kiredhiti nhoroondo, funga kutora chikwereti chemotokari izvozvi kubva kune ane mbiri mukweretesi uye tarisa pakuvaka yako kiredhiti kwemwedzi mitanhatu inotevera kusvika pagore. Kana kiredhiti kiredhiti kako kari munzvimbo yakanaka, unogona kunyorera kugadzirisa mari yechikwereti, izvo zvinogona kukuchengetedza mari yakawanda kana ikauya nemari yepasi yakaderera.

Zvisinei, paunenge uchitenga, edza kuzviita nekukurumidza.

Kutenda kune mamwe marongero echikwereti, kana iwe ukanyorera akawanda auto zvikwereti munguva pfupi, kungoongorora kwakasimba ndiko kuchaverengerwa pane yako kiredhiti chikwereti, Messier anodaro.

Iyi nguva inowanzo kutora mazuva gumi nemana, asi dzimwe nguva yakareba.

mhedziso

Kuwana isina-kiredhiti mota chikwereti inogona kunge isiri basa riri nyore uye zvinogona kutora nguva yakareba. Nekudaro, nemoyo murefu, iwe unogona kuwana chibvumirano chakanaka, kunyangwe iwe usiri mugari weUS. Iwe unongofanirwa kutsvaga chaiye mukweretesi kuti akubatsire.

Zviri Mukati