Momwe Mungapezere Ngongole Yagalimoto Mu 2023 Ndi Chiwongola dzanja Chochepa?

Musanapite kumalo ogulitsira, ndikwanzeru kugula obwereketsa ndikuvomerezedwa kuti muthe kupeza chiwongola dzanja chopikisana kwambiri.

Onetsetsani kuti lipoti lanu la ngongole ndi lolondola

Kodi ndi ndalama zingati komanso chiwongola dzanja chomwe mukuyenera kubwereka zimatengera zomwe mumapeza komanso ndalama zomwe mumapeza.

Yang'anani lipoti lanu la ngongole musanapemphe ngongole yamagalimoto. Wobwereketsayo akhoza kukukanani ngongole kapena kukupatsani mtengo wokwera kwambiri ngati lipoti lanu lili ndi zolakwika kapena zambiri zolakwika, monga zachinyengo.

Mabungwe atatu akuluakulu opereka malipoti angongole (Equifax, Experian, ndi TransUnion) amakupatsirani makope aulere a lipoti lanu langongole chaka chilichonse pa AnnualCreditReport.com. Kuphatikiza pakutha kupeza lipoti lanu la ngongole mlungu uliwonse mpaka Disembala 2022, COVID imakupatsani mwayi wotsutsa zolakwika zilizonse pa lipoti lanu langongole. Izi ndi musanapemphe ngongole yagalimoto.

Zotsatira zimawerengedwa kuchokera ku malipoti a ngongole. Zambiri zangongole zapaintaneti ndi malipoti zimapezekanso kwaulere kudzera m'mabanki ambiri, opereka kirediti kadi, ndi makampani azandalama, monga NerdWallet. Ngakhale kuti ndizothandiza poyesa momwe mukupitira patsogolo, samaganiziridwa ndi obwereketsa kuti adziwe ngati ndinu woyenera kulandira ngongole kapena ayi. Nthawi zambiri, obwereketsa amayang'ana momwe mwabweza ngongole zamagalimoto anu potengera zambiri zapadera.

Ndibwino kuti muthe miyezi isanu ndi umodzi pachaka mukuwongolera ngongole yanu ngati muli ndi subprime kapena ngongole yosauka - nthawi zambiri zosakwana 600 - musanapemphe galimoto. Kuti muyenerere ngongole yabwino, muyenera kulipira pa nthawi yake ndikuchepetsa ndalama za kirediti kadi.

Dziwani za chiwongola dzanja chomwe omwe ali ndi ngongole yanu akulipira ndi chiwongola dzanja chapakati pa ngongole yagalimoto.

Mbiri yangongole ya wobwereketsa wanu ndi yofunikira kwa obwereketsa ambiri monga momwe mukufunira pakali pano. Ndikothekera kuti mulandire chivomerezo kapena chiwongola dzanja chochepa ngati munalipira zomwe munagula kale zamagalimoto. Komabe, mbiri zazifupi zangongole kapena kusakhala ndi ngongole zamagalimoto zam'mbuyomu zitha kukhudza kwambiri mangongole apamwamba.

Muyeneranso kuwonetsa mbiri yokhazikika yantchito ndikukwaniritsa zofunikira zomwe mumapeza.

Obwereketsa angapo alipo pa ngongole zamagalimoto

Kuwona ngongole yanu ndi sitepe yoyamba yoyang'ana ngongole zamagalimoto ndi obwereketsa, omwe ali m'magulu otsatirawa:

• Mabanki akuluakulu a dziko, monga Bank of America kapena Capital One.
• Mabanki amdera lanu kapena mabungwe aboma.
• Obwereketsa pa intaneti omwe amapereka ngongole zamagalimoto okha.
• Kupereka ndalama zamalonda, kapena kudzera mwa obwereketsa "ogwidwa" amakampani.

Ngakhale mukukonzekera kutenga ndalama zamalonda pamapeto pake, muyenera kufananiza zolemba za obwereketsa atatu oyamba. Ngati mukuvomera kubweza ngongole kuchokera kuakaunti yanu yoyang'anira ku banki yanu kapena bungwe la ngongole, mutha kulandira chiwongola dzanja. Kuyerekeza obwereketsa magalimoto pa intaneti ndi njira inanso.

Ndikofunikira kuwonetsetsa kuti wobwereketsa aliyense yemwe mumamuganizira amalola ogulitsa wamba kuti agule magalimoto m'malo mwa ogulitsa kapena ma broker. Musanapemphe pangano la ndalama zamagalimoto, kuphunzira chilankhulo cha ndalama zamagalimoto ndikofunikiranso.

Kuvomerezatu kwa ngongole zamagalimoto

Muyenera kupempha chiwongola dzanja kuchokera kwa obwereketsa ochepa mukachepetsa kusaka kwanu. Mupeza mpikisano wopikisana kwambiri ngati obwereketsa akupikisana pabizinesi yanu. Kuonjezera apo, chiwongoladzanja cha chiwongoladzanja cha galimoto chimatha kusiyana kwambiri chifukwa cha zinthu zosiyanasiyana zomwe obwereketsa amaganizira pofufuza lipoti lanu la ngongole.

Wobwereketsa akhoza kukuyeneretsani kapena kukuvomerezeranitu kubwereketsa mukapempha. Kumvetsa kusiyana pakati pawo n’kofunika kwambiri.

Pogwiritsa ntchito chidziwitso chochepa cha mbiri yanu yangongole, ziyeneretso zimakupatsani chiwongolero cha chiwongola dzanja chanu ndi kuchuluka kwa ngongole. Chiwongoladzanja chanu sichidzatsitsidwa ndi chikoka cha ngongole chisanayambe, chomwe ndi "chikoka" chofewa. Mutha kuwona kusintha kwakukulu pamlingo woyerekeza mukangoyang'anira ngongole yanu yonse.

Pali kusiyana pakati pa kuyenerera ndi kuvomereza. Ngongole yanu imatsitsidwa kwakanthawi chifukwa cha "zovuta" kukoka ngongole. Chiyerekezo chanu chiyenera kukhala pafupi ndi mtengo wanu womaliza chifukwa wobwereketsayo ali ndi zambiri zokhudza mbiri yanu ya ngongole ndi zambiri zaumwini.

Zingakhale zopindulitsa kuvomerezedwa kale kubwereketsa galimoto ngati mwatsala pang'ono kugula galimoto yanu. Izi zili choncho chifukwa muli ndi mphamvu zambiri zokambilana pamalonda ndipo chiwongola dzanja chanu chimatetezedwa kuti zisalembetsedwe. Kufunsa kumawerengedwa ngati kumodzi kukachitika kangapo pakanthawi kochepa.

Ntchito yanu yobwereketsa galimoto siyikutsimikiziridwa kuti ivomerezedwe chifukwa chakuti mwakhala oyenerera kapena kuvomerezedwa kale. Chivomerezo choyambirira chimasonyeza kwa wogulitsa wanu kuti ndinu ogula kwambiri omwe angathe kupeza ndalama ndipo angakuthandizeni kukonzekera ndi kukonza bajeti yogula galimoto yanu.

Khazikitsani bajeti yanu molingana ndi zomwe mwapereka ngongole

Si mtengo wagalimoto womwe mungagule womwe watchulidwa muzopereka zanu zovomerezeka, koma kuchuluka kwa ndalama zomwe mungabwereke. Misonkho ndi zolipiritsa ziyenera kuwonjezeredwa ku bajeti yanu ndi 10%. Mutha kugwiritsa ntchito chowerengera cha ngongole yamagalimoto kupanga ngongole yanu. Pezani malipiro oyenera pamwezi pa bajeti yanu polemba malipiro anu, mtengo wamalonda, ndi nthawi ya ngongole.

Simukuyenera kubwereka ndalama zonse ngati simukumva bwino ndi malipiro apamwezi. Nthawi zambiri, kupereka chivomerezo choyambirira ndi chitsogozo cha zomwe mungakwanitse - mutha kubwereka zochepa ngati mukufuna. Mosasamala kanthu za zomwe banki yanu ikunena, muyenera kutsimikiza kuti mutha kulipira ngongole yanu.

Pezani galimoto yanu

Yakwana nthawi yoti musankhe galimoto yanu yatsopano popeza muli ndi mwayi wopeza ndalama ndikudziwa kuchuluka kwandalama zanu.

• Onetsetsani kuti zobwereketsa zikuphatikiza izi posankha galimoto:
• Ma Brand omwe amachotsedwa. Mwachitsanzo, magalimoto amagetsi salipidwa ndi obwereketsa ena.
• Zofunikira kwa ma dealerships. Pali obwereketsa, monga Capital One, omwe amafuna kuti ogulitsa azikhala nawo pagulu linalake lamalonda asanapemphe ngongole.
• Mukamagula galimoto kwa munthu, muyenera kutsatira zomwe wobwereketsa akufuna.
• Zoletsa pa nthawi. Ngongole zimakhalapo kwa masiku 30. Wobwereketsa akhoza kuonjezera kupereka ngati nthawi yatha.
• Onani kubwereketsa kwa ogulitsa
• Mutha kupezabe chiwongola dzanja chabwinoko - kuchokera kwa wogulitsa - ngati mutayesa galimoto ndikupeza galimoto yomwe ikukwaniritsa zosowa zanu.

Malonda nthawi zambiri amapereka chiwongola dzanja chotsika pamsika kwa makasitomala omwe amagula magalimoto kudzera m'mabanki opanga magalimoto. Woyang'anira zandalama ayesa kuthana ndi mlingo womwe mwavomerezedweratu akadzazindikira kuti mwavomerezedwa kale. Kuyesa kutsitsa chiwongola dzanja chanu sikupweteka, ndipo palibe vuto pakufunsira.

Muyenera kumuwuzabe wogulitsa kuti mwavomerezedwa kale ngakhale simukufuna kusewera. Pogula ndalama, mutha kukambirana za mtengo wagalimoto, osati kulipira pamwezi, kotero mutha kungogula mtengo wokha.

Pangani chisankho chanu cha ngongole ndikumaliza

Mtengo wandalama uyenera kukhala wotsika poyerekeza ndi kuchuluka komwe munavomerezedweratu (ndi mawu enawo akhale ofanana). Zili bwino ngati muvomereza ngongole yomwe muli nayo posatengera zomwe muli nazo. Muyenera kuwerenga makontrakitala mosamala musanasaine kuti muwonetsetse kuti sakhala mwachinyengo.

Malipiro obisika alipo. Kuonjezera pa mtengo wogulira galimotoyo, padzakhala msonkho wa malonda, malipiro a zolemba, ndi ndalama zolembetsa. Ndikofunika kukayikira chindapusa chambiri.

Nthawi yobwereketsa yayitali ikukhudzidwa. Kuwonjezedwa kwa miyezi 12 kumatha kubweretsa mazana a madola muzolipira zina. Pezani mtengo wocheperako ngati mutha kubwereketsa nthawi yayitali. Nthawi zambiri, gap inshuwaransi ingapezeke pamtengo wotsika ngati simukupempha. Chilango chimaperekedwa pakubweza msanga. Mgwirizano wa ngongole ya galimoto nthawi zambiri ulibe ndime ngati iyi, koma ndi bwino kuyang'ana.

Kuti mutengerepo mwayi pa zomwe mwavomera kale, muyenera kutsatira malangizo operekedwa ndi wobwereketsa wanu. Obwereketsa ena angafunike kulumikizidwa ndi inu mwachindunji, pomwe ena angafunike kuti mulankhule nawo nokha.

Ogulitsa wamba nthawi zambiri amafuna ndalama kapena cheke cha cashier pogula galimoto. Mukasankha galimoto, funsani wobwereketsayo kuti mudziwe momwe mungamalizire malondawo. Kenako, mudzasaina zikalata. Ndi lingaliro lanzeru kuyang'ana mgwirizano wa zinthu zomwe zili pamwambapa, koma ndinu otetezeka kwambiri pazowonjezera pamene mulibe ndalama kudzera mumalonda.

Lipirani panthawi yake

Ngongole yanu yamagalimoto ikatsekeredwa, mwakonzeka kupita kukalowa dzuwa. Koma musaiwale sitepe inanso - kubweza ngongole zagalimoto panthawi yake. Wobwereketsa wanu amakupatsani mwayi wopeza zambiri zangongole zanu pa intaneti, pomwe mutha kukhazikitsa zolipirira zokha. Kutenga nthawi yochita izi kumakuthandizani kuti mukhale ndi mbiri yakubweza ngongole panthawi yake, kukuthandizani kuti muthe kubweza ngongole yanu, komanso kutha kubwereketsa ndi mitengo yabwino m'tsogolomu.