Mari Yekushandisa Auto Inoshanda Sei? . Muna Ndira 2020, avhareji mutengo wemotokari nyowani yaive $ 37,851 Sekureva kwevanoongorora indasitiri Kelley Bhuruu Bhuku - saka kana iwe wakaita sevakawanda vedu, uchafanirwa tora mari kuti uite kurota kwako kuve kwechokwadi . Mari yemotokari inoshanda kuburikidza nechikwereti kubva kunzvimbo yemari kana mumwe mukweretesi kubhadhara iyo yakazara mutengo wekutenga kwako.
Chii chinonzi auto mari?
Paunopa mota mota, inzvimbo yemari inokweretesa iwe mari yaunoda kubhadhara mota nenzira yechikwereti chechikamu. Kazhinji uchafanirwa bhadhara pasi zvakaenzana nechikamu chemari yechikwereti uye wozobhadhara yasara yemutengo wekutenga mota pane yakatarwa nguva (izwi rechikwereti) uchiita mari inobhadharwa pamwedzi.
Sezvo nechipi nechipi chikwereti, vanokweretesa mota vanoita mari kuchaja mubereko nezve chikwereti uye mari yekuwedzera yekugadzirisa uye kuburitsa chikwereti. Iyo mota pachayo inoshanda sechibatiso chechikwereti, zvinoreva kuti mukweretesi ane kodzero yekutora (zorora) mota yako kana usingakwanise kubhadhara zvako.
Ndiani anopa auto mari?
Iwe unogona kuwana auto mari kuburikidza nemhando dzakasiyana dzemasangano emari. Mabhangi nemubatanidzwa wechikwereti inzvimbo dzinozivikanwa kuwana zvikwereti zvemotokari. Kana iwe uine pfungwa yakajairika yekuti ingani mota yaunoda ichabhadhara, unogona kubata bhangi rako kana kiredhiti mubatanidzwa uye uwane pre-mvumo yechikwereti.
Ivo vachakupa tsamba inosimbisa iyo mari yaunogona kukwereta uye huwandu hwechimbadzo. Ingo ramba uchifunga kuti mitengo yemubereko inogona kuchinja zvishoma paunotenga mota uye bhangi kana mubatanidzwa wechikwereti unomhanyisa cheki chizere kupedzisa mvumo yako yechikwereti.
Iwe unogona zvakare kuwana online mota vanokweretesa vanogona kukufananidza newe neyakanakisa mota chikwereti pane zvaunoda. Aya masaiti anowanzo kubvumidza iwe kuti uenzanise zvinopihwa kubva kune vakasiyana vakweretesi kuti uwane iyo inoshanda kwauri.
Imwe nzvimbo yekutora mari ndeyekutengesa mota pachayo. Vatengesi vanogona kuronga mari kwauri kuburikidza nevechitatu-bato vanopa; Iwe unozonyorera chikwereti kubva kumutengesi uye ugobvumidzwa ipapo. Izvi zvinogona kudhura zvakati wandei pane kuwana chikwereti uri wega, sevatengesi kazhinji vanoita imwe purofiti pamutengo.
Vamwe vatengesi vanopa yavo yega-imba mari. Inozivikanwa sekutenga pano kubhadhara pano mari, ichi chinhu chekudzivirira kana zvichibvira. Izvi zvikwereti zvakagadzirirwa vanhu vane yakaipa kiredhiti, saka chimbadzo uye pasi kubhadhara zvinodiwa zvinowanzove zvakanyanya kwazvo.
Kana iwe ukamirira kusvikira iwe wadanana neimwe mota kuti unyore yevatengesi mari, iwe uri mukana wekubvumirana kune mashoma-pane-akakodzera mareti echikwereti. Ndosaka kuwana pre-tendero yechikwereti chemotokari uri wega usati washanyira nzvimbo yekutengesa inogona kunge iri zano rakanaka. Wakashongedzerwa nemitemo yechikwereti chako chakatenderwa, unogona kutaurirana zvirinani mazwi uye uwane iyo chaiyo mota chikwereti kune zvaunoda.
Matipi pane auto zvikwereti
Kutenga mota ndeimwe yemari hombe yauchazomboita, chechipiri chete kutenga imba. Kunyangwe kubhadhara mumari kungave kwakanaka, chokwadi ndechekuti vanhu vazhinji vanoda chikwereti kubhadhara mota yavo, kunyangwe iri nyowani kana kushandiswa. Sechinhu chinowana chimbadzo paunenge uchibhadhara pamusoro penguva, zvakakosha kuti uve wakagadzirira usati wanyorera chikwereti chemotokari.
Usati watanga maitiro ako ekutenga mota, pane zvinhu zvakakosha kuti uzive nezve auto zvikwereti.
Ziva chaiyo kiredhiti chikwereti
Yako kiredhiti chikwereti ndicho chakanyanya kukosha kuona kuti ndeupi rudzi rwechikwereti iwe chauchazokwanisa kuwana kubva kumukweretesi. Kunyangwe iwe uchipfuura nepabhengi, mutengesi wemotokari, kana mutengesi pachako, mwero unoenderana nazvo.
Ziva kuti havazi vese vanokweretesa vanoshandisa, kana kutarisa, iyo imwecheteyo mamakisi system: Vakasiyana vakweretesi vane nzira dzakasiyana, saka huwandu hwepasi hunodiwa kuti vakwanise hunosiyana zvichienderana nekambani iri kupa mari, zvichienderana Bvunza Chiitiko .
Zvikamu zvakasiyana zvinosanganisira FICO Auto Score 8 uye Vantage Chikamu 3.0. Ziva kuti ndeapi mamakisi iwe vaunofarira nezve hanya nezvawo uye woishandisa kuona kuti ndeapi mashumo aunokumbira. Kana iwe usingazive yako kiredhiti mamaki, iwe unogona kuwana kopi yako kiredhiti mushumo kubva kumatatu makuru ekuzivisa mahofisi emahara. Vese vatengi vanobvumidzwa kopi imwe pagore ye 104.24.0.140 .
Nyorera zvikwereti kwenguva yakareba kwemazuva gumi nemana
Mari yako yechikwereti inodonha zvishoma kana vanikweretesa vakatarisa nhoroondo yako yechikwereti, asi kuchengetedza maitiro ako ekunyorera mukati memaviri-vhiki nguva kunobatsira kudzikisira kukanganisa, sekureva kwenyanzvi dzechikwereti pa Auto.Roan - Chakavanzika vazhinji vanokweretesa havazokuudze iwe. Nei izvi? Iyo FICO mamaki ekutenga nguva ndeye mazuva gumi nemana, saka mibvunzo yese yakaitwa panguva iyoyo inozotorwa seimwe, kudzikisira kukanganisa zvibodzwa zvako.
Wana pre-approved, wobva watenga
Nguva dzose zvinonyanya kufamba kuti utengese mota nekutengesa mari kubva kubhangi kana mukweretesi muruoko. Chipo chakatenderwa chinovimbisa kuti une chikwereti chekuvhara mutengo wemota yaunoda.
Zvinotonyanya kukosha, zvakare inokupa imwe yekuwedzera: Uine cheki yako isina chinhu kana kiredhiti-yakatenderwa coupon iri muruoko, unoshandura kuita 'mutengi wemari', mupaki yemota, uye uzviwane uri munzvimbo yekutengeserana. Tsanangura zvakanyanya Jeanne Lee na Philip Reed we NerdWallet .
Iwe unogona kuwana pre-yakatenderwa yechikwereti chemotokari kubva kumakambani emakwereti, mabhangi, uye vanopa online.
Verenga mari usati wataura kuti hongu
Usati wanyanyisa kufunga nezvekudzora mota yako kubhadhara kune imwe huwandu, zvakakosha kuti unzwisise zvinhu zvinopinda mukumisikidza yako yemwedzi kubhadhara mota. APR inongova nemhedzisiro diki pane iyo mari yaunobhadhara mwedzi wega wega.
Izvo zvakakosha zvinhu zvinosanganisira huwandu hwakazara wechikwereti chaunoda, kunyangwe iwe uine muripo wepasi kana kwete, kuti uri kubvisa zvakadii, uye nguva yechikwereti (iyo nguva yekubhadhara).
Shandisa auto chikwereti Calculator kutamba nenhamba. Iwe unogona kunge uri mukumhanyisa kuburitsa iyo mota kunze kwekupaka, asi kutora zuva kuverenga manhamba kunogona kukusevera zviuru mukufamba kwenguva.
Nzwisisa mutengesi mari
Dzimwe nguva mari yemutengesi inogona kuita kunge chinopa chinokwezva. Zvipo senge 0% yemari uye hombe mari kudzoserwa mari, iyo inogona pakupedzisira kudzikisa yako yakazara chikwereti huwandu, inogona kuita senge yakanyanya kunaka sarudzo.
Rangarira kuti sarudzo zhinji dzemari dzinongowanikwa chete kune vanonyanya kutenga vatengi. Kana iwe uine chimwe chinhu chisina kunaka pane yako kiredhiti mushumo, yakaderera FICO mamaki, kana ishoma kiredhiti ruzivo, pamwe haugone kukodzera kune aya akakosha kupihwa.
Chero zvazvingaitika, gara uchitenga-tarisa, usambobvuma yekutanga mari sarudzo yaunopihwa, uye usakanganwe kuverenga mutengo usati wati hongu.
Kubhadhara mota yako nyowani inzira yakanaka yekutora mota yaunoda uye yaunoda usingazvipire. Maitiro acho anogona kunge akaomarara, saka chengeta matipi aya mupfungwa usati wati hongu kune chero chinhu. Paunoita yako research, tanga wabvumidzwa, uye unomhanya masvomhu iwe, unozotyaira uchinzwa zvakanaka nezve mota uye yako mamiriro emari.
Ndechipi chikwereti chandinoda kuti ndipe mari mota?
Iyo chikwereti chikamu chinodiwa Maitiro ekufanirwa nechikwereti chemotokari anosiyana nemukweretesi uye mhando yemari. Vanopa otomatiki vanogona kutosiyana mumhando yekukweretesa iyo yavanoda kushandisa kuti vaone kukodzera kwako. Nekuda kweizvozvo, hapana shoma kiredhiti chikwereti yakasimbiswa iyo vese vanokweretesa vanoda. Izvo zvakati, vanhu vane yakakwira chikwereti mamakisi uye akareba echikwereti nhoroondo vanogona kukodzera kuwana zvirinani mareti echikwereti uye kudzikisa chimbadzo.
Kana zvibodzwa zvako NDIRI ®yakanaka kana zvirinani, iwe unofanirwa kuve unokwanisa kukodzera kune yakanaka mota zvikwereti. Zvibodzwa mumatanho enguva dzose hazvingatadzise kuti iwe upfuure; zvisinei, zvinogona kureva kuti iwe uchabhadhara chikwereti chakakwirira kana kuti unofanirwa kubhadhara chikwereti chakakura. Kana iwe uine yakaderera kiredhiti mamaki kana uchingoda kukodzera kune akanakisa mazwi, tora nguva yekushanda pane yako kiredhiti mamaki usati waisa chikumbiro chemotokari chikwereti.
Zvinhu zvekuchengetedza mupfungwa kana uchinyorera chikwereti chemotokari
Mutengo wetigi yemotokari hausi iwo chete mutengo wekutarisa kana uchinyorera mota yemari. Heano mamwe mazwi akakosha ekuchengeta mundangariro.
- Pakutanga kubhadhara - Huwandu hwemari yaunofanirwa kuisa kuti unyore chikwereti. Kana iwe uine yakanaka kana yakanakisa kiredhiti, unogona kukodzera kuwana zero pasi yekubhadhara zvinopihwa. Paunenge uchisarudza pamari yako yekubhadhara yepasi, yeuka kuti paunowedzera kubhadhara, mari shoma yaunoda kukwereta, uye chikwereti chidiki zvinoreva kuti uchabhadhara chimbadzo chidiki nekufamba kwenguva.
- Yegore muzana muzana chiyero ( APR ) - Yako chikwereti APR ichasanganisira chimbadzo chemari pachikwereti, pamwe nechero muripo kana zvimwe zvikwereti kuratidza mutengo wese wekukwereta mari. Kana iwe uri kuyera maviri echikwereti kupihwa, kuenzanisa iyo APR inzira yakanaka yekutarisa kuti ndeipi chikwereti ichakutorera iwe zvakanyanya mukufamba kwenguva.
- Mitero : iyo mitero State mota yekutengesa inofanirwa kubhadharwa panguva yekutenga. Zvichienderana nekuti unotenga mota uye uye kuti inodhura zvakadii, izvi zvinogona kuwedzera zviuru zvemadhora pamutengo wako.
- Mitengo - Pamusoro pemubhadharo wekunyoresa mota yako nyowani nedhipatimendi rehurumende remotokari, unogona kubhadhara mimwe mari inobhadharwa nemutengesi, senge mari yekuenda kana zvinyorwa.
- Zviga zvebvumirano : Iyo term ndeyekuti yakareba sei iwe uchifanira kubhadhara chikwereti. Mota yekubhadhara zvikwereti kazhinji inotangira pamwedzi makumi matatu kusvika pamakumi manomwe nemaviri; Iwe unogona kunyange kuwana -mwedzi wemakumi masere nemana auto zvikwereti. Kusarudza nguva yakareba yechikwereti kuchaderedza mari yako yemwedzi, asi pamubhadharo wekubhadhara yakawanda mubereko nekufamba kwenguva. Nguva ipfupi yechikwereti inoreva kukwidziridzwa pamwedzi, asi kuderera kwemubhadharo wakaderera; Zvakare, vanokweretesa vanowanzo kupa yakaderera mitero yemitero yenguva pfupi-yenguva.
- Kubhadhara kwemwedzi - Kuti udzore yako auto chikwereti, iwe uchaita seti pamwedzi kubhadhara izvo zvinosanganisira chikuru uye chimbadzo. Nyanzvi dzinopa zano rekuchengeta yako yemwedzi yekubhadhara mota pa10% kana pasi peunotora kumba kubhadhara. Izvo zvakakosha kuti uchengetedze yako yemwedzi kubhadharisa inokwenenzverwa, nekuti kana iwe uchinetseka kubhadhara yako mota chikwereti, zvinogona kukuvadza yako kiredhiti mamaki, uye kana ukarasikirwa zvakawandisa kubhadhara, mota yako inogona kutorwa zvakare. Zvakanaka, tsvaga iyo ipfupi nguva yechikwereti nemari inodhura.
Dzimwe nzira dzemotokari mari
Chinyakare mota zvikwereti haisi iyo chete nzira yekusimbisa uye kubhadhara mota. Heano dzimwe sarudzo dzinogona kukushandira.
- Kurendesa mota - Kukweretesa kunopa nzira yekutyaira mota nyowani usingaitenge. Chibvumirano chinongova chenguva refu yekurendesa, saka unozodzosera mota kune yekutengesa kana yekurenda kambani mushure mekutyaira kwemakore mashoma. Kubhadharwa kwemwedzi wega wega kazhinji kwakaderera pane kubhadhara chikwereti chemotokari imwechete. Kurendesa mota kazhinji kunoda kubhadharwa pasi uye mubhadharo, uye ungatofanira kutsungirira zvimwe zvinorambidzwa; semuenzaniso, panogona kunge paine muganho kuhuwandu hwemamaira aunogona kutyaira gore rega. Nekudaro, kana chinangwa chako chiri chekutyaira ichangoburwa mota pasina kuita hombe kudyara, kuhaya kungave sarudzo. Ingo gara uchifunga kuti iwe uchazoda zvakanaka kune yakanakisa kiredhiti kuti uwane maorease mazhinji.
- Bhadhara mari - Kubhadhara mari yemota hazviite kune vanhu vazhinji, kunyanya kana iwe uine moyo wakatsunga pane imwe modhi. Asi kune avo vanogona kuzvibata, kubhadhara mumari kunobvisa kukosha kwekunyorera chikwereti chemotokari. Iwe ungangodaro uchafanirwa kusevha zviuru zvishoma zvemadhora kune iyo yepasi kubhadhara zvakadaro. Kana iwe usingade mota ipapo, tora nguva yako kuchengetedza zvishoma zvishoma. Chero bedzi iwe usingade mabhero ese uye muridzo uye uchingoda zvekutanga zvekufambisa, unogona kuwana dzakavimbika dzakashandiswa mota dzemadhora zviuru zvishanu kana zvishoma.
- Vezera-kune-vezera zvikwereti : iyo zvakaenzana zvikwereti kune vezera (P2P) havapihwe nemabhangi kana vatengesi vemota, asi kubva kune mumwe munhu kuenda kune mumwe. Izvi zvikwereti zvemunhu iwe zvaunogona kushandisa kune chero chinangwa, kusanganisira kutenga mota. Unogona kuwana zvikwereti zveP2P pamapuratifomu epamhepo, senge Prosper, Kukweretesa Kirabhu, uye Peerform, zvinokufananidza nevanhu vanoda kuburitsa zvikwereti. Zvibereko zvemitero pazvikwereti zveP2P zvinogona kusiyana zvakanyanya, uye iwe unowanzoda chikwereti chakanaka kuti ubvumirwe; zvisinei, zviri nyore kushandisa online uye enzanisa akasiyana mareti emari uye mazwi kuti uwane yakanakisa vezera-kune-vezera chikwereti.
Nzira yakanakisa yekubhadhara mota
Sezvauri kuona, kune nzira dzakawanda dzekutsigira mota yako nyowani. Kuti uwane yakanakisa auto chikwereti, tanga nekuongorora yako chirevo chikwereti uye chikwereti . A yakanaka kiredhiti mamaki anokupa iwe dzimwe sarudzo uye anogona kukubatsira iwe kuwana zvirinani zvikwereti mazwi. Kutsvagisa zvikwereti zvemotokari kubva kubhangi rako, mubatanidzwa wechikwereti, uye vanokweretesa pamhepo usati washanyira nzvimbo yekutengesa mota zvinokupa pfungwa yakajeka yesarudzo dzako, zvichikuisa panzvimbo yakasimba yekutaurirana mari yakanaka yemavhiri ako matsva.
Zviri Mukati
- Chii chinonzi auto mari?
- Ndiani anopa auto mari?
- Matipi pane auto zvikwereti
- Ziva chaiyo kiredhiti chikwereti
- Nyorera zvikwereti kwenguva yakareba kwemazuva gumi nemana
- Wana pre-approved, wobva watenga
- Verenga mari usati wataura kuti hongu
- Nzwisisa mutengesi mari
- Ndechipi chikwereti chandinoda kuti ndipe mari mota?
- Zvinhu zvekuchengetedza mupfungwa kana uchinyorera chikwereti chemotokari
- Dzimwe nzira dzemotokari mari
- Nzira yakanakisa yekubhadhara mota
- Maitiro ekubhadhara Kiredhiti Kiredhiti kadhi
- Maitiro ekuchenesa sirivheri uye nekuichengeta kubva pakusvibisa ...
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