Chii chaunofanira kuita kana iwe usingakwanise kubhadhara yako mota kubhadhara? Pamwe wakave nehupenyu husina kunaka shanduko. Zvichida yako yemari mari yanyura. Chero chingave chikonzero, iwe unotya kusarira kumashure pakubhadharisa kwako mota uye pamwe kutotadza zvachose.
Kana iwe ukazviwana iwe uchiremerwa nemari yemwedzi yekubhadhara mota yausingakwanise kutenga, usavhunduke. Iwe une mashoma sarudzo.
Kana iwe ukazviwana iwe uchiremerwa nemari yemwedzi yekubhadhara mota yausingakwanise kutenga, usavhunduke. Hezvino zvimwe zvezvinhu iwe zvaungaite kuti udzivise kurasikirwa nemota yako uye kukanganisa yako kiredhiti.
Neyakanaka: kutengesa kana kugadzirisa
Une kuenzana mumotokari here? Ndicho chinhu chekutanga chaunoda kuti uone kana iwe uri panjodzi yekudonha kumashure pakubhadhara kwako. Tsvaga kuti mota yako yakakosha zvakadii uye enzanisa iyo kukosha kune iyo yaunokwereta pachikwereti. Kana iwe uine chikwereti chakaderera pane kukosha kwemotokari, iwe une equity. Kana iwe uchikwereta mari yakawanda pachikwereti kupfuura iyo chaiyo kukosha kwemotokari, iwe une zvakashata kuenzana. Mubhizimusi remotokari, ndiko kunzi kuve kumashure.
Kana iwe uine mari, tengesa mota yako zvakananga kumutengesi wemotokari kana CarMax ndiyo nzira iri nyore yekubuda muchikwereti chemotokari chausingakwanise kubata.
Iwe unobhadhara chikwereti chako uye ndizvozvo. Hakuzovi nenjodzi yekukuvadza yako kiredhiti nekuda kwekunonoka kana kunonoka kubhadharwa kwemotokari. Unogona kutove nemari muhomwe mako yekutenga imwe mota, imwe ine yakawanda inobhadharwa kubhadhara.
Kutengesa mota kumutengi wega kunogona kukuwanisa mari yakawanda, asi kuitengesa kumutengi wega kana iwe usina zita iri muruoko kunogona kuva kunonetsa. Naizvozvo, zvakanaka kutaurirana nemutengesi kana CarMax.
Kana iwe uchida kuchengeta mota, kuve mune capital chinzvimbo kunokutendera iwe kuti uwedzerezve yako yazvino chikwereti. Zvibereko zvemitero zvakakwira nguva pfupi yadarika, saka unogona kusakwanisa kuwana yakaderera refinance rate pane yako yazvino chikwereti. Asi nekuwedzera nguva yechikwereti nekufambisazve mari, iwe unowana mari dzinogoneka. Iwe ungazopedzisira wabhadhara yakawanda mubereko, hongu, asi izvo zviri zvechipiri kana chinangwa chako chiri chekuchengetedza mota yako.
Iwe unogona kukwanisa kugadzirisa patsva nemukweretesi wako wazvino, asi zvinogona kuita zvine musoro kutarisa kubatanidzwa kwechikwereti kana kubhengi rako chairo. Aya masangano anogona kukupa iwe yakaderera mitero kubva pane iyo yako yazvino mukweretesi yaanogona kupa.
Imwe sarudzo kana iwe uchirenda
Tarisa uone vezera-kune-vezera rako rekushandura nzvimbo senge Swapalease uye LeaseTrader . Icho chirevo chiri nyore: munhu anoda kubuda muchibvumirano anoburitsa mota pane saiti. Kana mutengi akaona mota yako yakanyorwa uye achida mazwi, iye mutengi anogona kutora rease chero bedzi bhangi richiibvumira uye mutengi achikodzera. Kana iwe uchigona kuburutsa mota yako nenzira iyi, unenge usina rusununguko rwemberi.
Hapana equity, mashoma sarudzo
Zvinonyanya kuoma kana iwe uri kutenga uye usina mari. Kana, mushure mekuwana kukosha kwemotokari yako, ukaona kuti une chikwereti chakawandisa kupfuura chakakosha mota yako, kutengesa mota yako kuti ubvise muripo hakukwane. Ungangoda mari paruoko kubhadhara musiyano uripakati pezvaunokwereta nemari chaiyo yemari.
Refinancing mota yako inogona kunge ichiri sarudzo Asi zvinoenderana nekuti uri kumashure zvakadii, kutsvaga mukweretesi uyo ari kuda kukwira pamusoro peyakaipa mari kubva kune yakadzoreredzwa chikwereti kunogona kunetsa. Inguva yekubata yako bhangi.
Iva pamberi kumberi nemukweretesi
Kutaurirana nemukweretesi wako kwakakosha uye kunogona kuita mutsauko pakati pekuchengetedza mota yako nekuitora zvakare.
Kana mutengi asingakwanise kubhadhara chikwereti chavo, vanofanirwa kufonera mukweretesi wavo nekukasira anodaro Natalie M. Brown, mutevedzeri wemutungamiri we Wells Fargo wezvekutaurirana nezvezvikwereti zvevatengi. Zvikwata zvevatengi zvakagadzirira kushanda nevatengi kuti vanzwisise mamiriro avo uye kuyedza kutsvaga sarudzo dzinogona kubatsira.
Bhengi richada kuziva mamiriro ezvinhu anotadzisa iwe kubhadhara. Kana nhengo yemhuri yafa, kuramwa basa, kurwara zvakakomba kana chimwe chiitiko chikuru chehupenyu chakakanganisa mari yako, udza waunokweretesa.
Vamwe vanokweretesa vanobvumidza kutsungirira, kana nguva yaunogona kurasikirwa kana kubhadhara yakaderera kudzamara mamiriro ako avandudzika. Mamwe mabhangi anogona kutoda kuronga marongero emari yechikwereti kumubhadharo uri nyore kubata. Ramba uchifunga kuti vakweretesi havadi kuti mota yako idzokere kwauri uye kazhinji vanozoiwana chete kana vapedza dzimwe sarudzo.
Asi mushure memwedzi mitatu yekunonoka kubhadharisa uye kana ukasabata mukweretesi wako, rori rinodzosa rinenge richitsvaga mota yako.
Mukana wekudzoreredza
Kana iwe ukamuka uye mota yako isiri munzira yako, zvese hazvisati zvarasika.
Kana mota yatorwa zvakare, mukweretesi anogona kukutendera kuti uidzose. Izvi zvinodaidzwa kununura kana kudzoreredza kupora kwako. Kana iwe uine iyi sarudzo, iwe uchafanirwa kufamba nekukurumidza. Iwindo rekudzosera mota yako ipfupi - kazhinji isingasviki mavhiki maviri.
Nekudaro, kudzosera mota yako hakuzove kwakachipa. Vazhinji vakweretesi vanokukumbira iwe kuti ubhadhare mari inounza yako yechikwereti yazvino (kana padyo nayo), pamwe nemari inobhadharwa.
Kana iwe usingakwanise kutengesa mukati kana kudzoreredza yako yakadzorerwa, mukweretesi anozopedzisira atumira mota kukosheni yekutengesa. Nekudaro, yako yekubatanidza yezvemari kumotokari haizoperera pafandesi. Iwe uchave unoona nezve musiyano uripo pakati pemari yawakatengesewa uye nezvasara chikwereti, pamwe nemitengo yekudzosa.
Saka kana uine chikwereti chemadhora zviuru gumi nezvishanu pamotokari inotengeswa pafandesi ne $ 11,000, unozowana mari pachikwereti chako uye une chikwereti chemadhora zviuru zvina, pamwe nemari yekudzorera yemotokari yausingachafambisa. Nepo vanokweretesa vachigona kubhadhara iyo nhanho, usaverenge nezvayo. Ivo vane kodzero yekukumhan'arira uye, kana vakunda, vanogona kutora mari nekuwana yako bank account kana kushongedza mubairo wako. Iyo yepamutemo ruzivo saiti Nolo ine chinyorwa pamusoro pesarudzo dzako kana uine chikwereti mushure mekudzoreredza .
Mhinduro yakaipa: dzosera mota
Kana mota yako ikabvisirwa kure, izvo zvinoonekwa sechirevo. Kana iwe ukaronga kusiya mota kune mukweretesi, izvo zvinoonekwa sekuzvipira kwekuzvipira.
Kana iwe ukasarudza kuzvipira kupa yako mota, iwe uchachengetedza iyo mari yakaitwa nebhangi yekutumira iyo yekudhonza rori uye kuchengetera mota yako kusvika yakwira kukosheni. Asi vakweretesi vanoona kudzoserwa uye kuzvipira nekuzvidira sezvakangoita zvakafanana: kutadza kukudza kupera kwavo kwechibvumirano chechikwereti. Kunyangwe ivo vachizooneka zvakasiyana pane yako kiredhiti ripoti, zvese zvinoparadza kiredhiti kako.
Hapana mhinduro: viga mota
Izvi hazvisi kuzoshanda. Heino nyaya yekusimbisa iyo poindi:
Ndakatengesa mota kweanopfuura makore gumi nemaviri muSouth California, uye mumwe mutengi aive mukadzi asina kana kumubhadharira mwedzi wekutanga. Iye zvakare haana kupindura kuyedza kwemukweretesi kuti amubate.
Bhengi rakazviona sekufanorongerwa kwekutanga kubhadhara, iyo yakaratidza mota yake kudzoserwa. Iwe ungangodaro waifunga kuti kutora mota kubva kumba kwako kwaizoita kuti usaonekwe kubhangi, saka iwe wakasarudza kusvetuka dhorobha. Mukati memwedzi, imwe repo kambani yakaona Mitsubishi Montero yake muchitoro chekupaka chitoro muAtlanta ndokuitora zvakare.
Izvo zvakaitika sei? Sravana Sameeralu Serial 4th Technology. Marori eRepo ane makamera anoverenga mahwendefa emarezinesi uye anotora mifananidzo anenge munhu wese anopfuura nenzira yavo. Iwo mahwendefa emarezinesi anotariswa-akanyorwa nemazita emota akaiswa mucherechedzo kuti apore, uye kana mutyairi wetiraki rekutenderera achiwana machisi, mota inova tarisiro.
Tsika dzenyaya: kunyangwe uchityaira mhiri kwenyika hazvizokubatsire kupfuura murume anochengeterwa zvinhu.
Zano rakanakisa
Nzira yakanakisa yekutarisana nedambudziko rekusakwanisa kubhadhara haisi zano rekupfuura repaki rori kana kutomboziva marongero ako mazwi echikwereti. Izvo zviito zvaunotora usati watenga mota yako ndiyo inogona kuve inonyanya kukosha nzira yekudzivirira matambudziko.
Chidimbu chekutanga chezano chatingapa vatengi ndechekuedza kunzvenga mamiriro acho zvachose, kana vachikwanisa. Akadaro Brown. Ronga kumberi kuti udzikise iko kunetsekana kwekubhadhara chikwereti. Semuenzaniso, kuva nehomwe yekukurumidzira iine mwedzi mitatu kana mitanhatu yekushandisa izano rakanaka.
Heano mamwe matanho akati wandei anoshanda: Tenga mota chaiyo yezvido zvako, uchiziva kuti inogona kunge isiri mota yezviroto zvako. Kufunga nezve izvo zvinowedzerwa mari yekuve nemota pamberi. Gara mukati mebhajeti yako pane kuiburitsa.
Kana iwe ukaita zvese izvo, asi uchiri mudambudziko rezvemari nemotokari yako, tinovimba matipi aya - uye zvishoma rombo rakanaka - richaponesa zuva racho.
Zviri Mukati