Maitiro Ekutora Auto Chikwereti Muna 2023 Ine Yakaderera-Interest Rate?

Usati waenda kumutengesi, zvine hungwaru kutenga vanokweretesa uye kupihwa mvumo kare kuti iwe ugone kuwana iyo yakanyanya kukwikwidza mubereko.

Ita shuwa kuti repoti yako yechikwereti ndeyechokwadi

Yakawanda sei uye pachiyero chipi chaunokodzera kukwereta zvinoenderana nechikwereti chako uye mari yaunowana.

Tarisa rondedzero yako yechikwereti usati wanyorera chikwereti chemotokari. Mukweretesi anogona kukuramba chikwereti kana kukupa mwero wakakwira chete kana rondedzero yako iine zvikanganiso kana ruzivo rusina kururama, senge kuita zvehutsotsi.

Iwo matatu makuru makuru ekubika kiredhiti (Equifax, Experian, uye TransUnion) anokupa emahara makopi erepoti rako rechikwereti gore rega rega paAnnualCreditReport.com. Pamusoro pekukwanisa kuwana kiredhiti yako vhiki nevhiki kusvika Zvita 2022, COVID inobvumidza iwe kupokana chero zvikanganiso pane chako kiredhiti repoti. Izvi ndisati ndakumbira chikwereti chemotokari.

Zvibodzwa zvinoverengerwa kubva kumishumo yechikwereti. Online kiredhiti mamakisi uye mishumo inowanikwa mahara kuburikidza nemabhangi mazhinji, kiredhiti kadhi vanoburitsa, uye makambani emari emunhu, akadai seNerdWallet. Zvisinei nekuti ivo vanobatsira pakuyera kufambira mberi kwako, havatariswe nevakweretesi kuti vaone kana iwe uchikodzera chikwereti. Kazhinji, vanokweretesa vanotarisa kuti wakadzorera sei zvikwereti zvemotokari yako zvichibva pane zvakakosha zvibodzwa.

Zvinokurudzirwa kuti upedze mwedzi mitanhatu kusvika pagore uchivandudza chikwereti chako kana uine subprime kana chikwereti chakashata - kazhinji pasi pe600 - usati wakumbira motokari. Kuti ukwanise kuwana chikwereti chiri nani, unofanirwa kubhadhara nenguva uye kuderedza zviyero zvekadhi rechikwereti.

Wana pfungwa yemitengo yemhindu avo vane chibodzwa chako chechikwereti vari kubhadhara neavhareji yemubereko wechikwereti chemota.

Nhoroondo yechikwereti yemukwereti yako yakakosha kune vakawanda vanokweretesa semuyero weyako chikumbiro chechikwereti. Zvinonyanya kuitika kuti iwe uchawana mvumo kana kuwana yakaderera mubereko kana wakabhadhara kare kutenga mota. Nekudaro, nhoroondo pfupi dzechikwereti kana kusave nekare zvikwereti zvemotokari zvinogona kukanganisa zvakanyanya zvibodzwa zvechikwereti.

Iwe zvakare unozofanirwa kuratidza yakagadzikana nhoroondo yebasa uye kusangana nediki mari inodiwa.

Vazhinji vanokweretesa varipo kune auto zvikwereti

Kutarisa chikwereti chako inhanho yekutanga yekutarisa kuzvikwereti zvemotokari uye vanokweretesa, izvo zvinowira muzvikamu zvinotevera:

• Mabhanga makuru enyika, akadai seBhange reAmerica kana Capital One.
• Mabhanga emunharaunda emunharaunda kana masangano echikwereti.
• Vakweretesi vepamhepo vanongopa zvikwereti zvemotokari.
• Mari yekushambadzira, kana kuburikidza neautomaker "nhapwa" vanokweretesa.

Kunyangwe iwe uri kuronga kutora mari yekutengesa pakupedzisira, iwe unofanirwa kuenzanisa makotesheni kubva kune ekutanga vakweretesi vatatu kutanga. Kana iwe ukabvuma kubhadhara otomatiki chikwereti kubva kuaccount yako yekutarisa kubhangi rako kana kiredhiti mubatanidzwa, unogona kukodzera kupihwa muyero waunoda. Kufananidza vatengesi vemotokari pamhepo zvakare isarudzo.

Izvo zvakakosha kuti uve nechokwadi chekuti mukweretesi wega wega waunofunga anobvumira vatengesi vega kuti vatenge mota kwete vatengesi kana vatengesi. Usati wanyorera chibvumirano chemari yemotokari, kudzidza mutauro wemari yemotokari kwakakosha zvakare.

Pre-mvumo yezvikwereti zvemotokari

Iwe unofanirwa kukumbira mari yemubereko kubva kune vashoma vanokweretesa kana uchinge watetepa kutsvaga kwako. Iwe uchawana yakanyanya kukwikwidza mwero kana vanokweretesa vachikwikwidza bhizinesi rako. Pamusoro pezvo, chikwereti chemubereko chemotokari chinopihwa chinogona kusiyanisa zvakanyanya nekuda kwezvinhu zvakasiyana zvinotariswa nevakweretesi paunenge uchiongorora kiredhiti yako.

Mukweretesi anogona kufanokodzera kana kufanobvumidza iwe kukwereta kana wanyorera. Kunzwisisa misiyano pakati pavo kwakakosha.

Uchishandisa huwandu hushoma hweruzivo nezve nhoroondo yako yechikwereti, pre-qualification inopa fungidziro yemhindu yako uye huwandu hwechikwereti. Chikwereti chako chibodzwa hachizodzikiswa ne-pre-qualification credit pull, inova "soft" kudhonza. Iwe unogona zvakadaro kuona shanduko yakakosha muyero inofungidzirwa kana chikwereti chako chaongororwa zvizere.

Pane musiyano pakati pekufanokodzera uye kufanobvumidzwa. Chikwereti chako chinodzikiswa kwenguva pfupi semhedzisiro ye "zvakaoma" dhizaini yechikwereti. Chiyero chako chinofanirwa kunge chiri padyo nechiyero chako chekupedzisira sezvo mukweretesi aine rumwe ruzivo nezve nhoroondo yako yechikwereti uye ruzivo rwemunhu.

Zvingave zvinobatsira kuti utange watenderwa kukwereta motokari kana uri pedyo nekutenga motokari yako. Izvi zvinodaro nekuti une simba rekutaurirana rakawanda pamutengesi uye mari yako yemubereko inodzivirirwa kubva pakumakwa. Kubvunza kunotora seimwe kana yaitwa kanopfuura kamwe munguva pfupi.

Chikumbiro chako chechikwereti chemotokari hachina kuvimbiswa kubvumidzwa nekuda kwekuti une pre-yakakodzera kana kufanotenderwa. Pre-mvumo inoratidza kumutengesi wako kuti uri mutengi akakomba anokwanisa kuwana mari uye anogona kubatsira mukuronga uye kuronga bhajeti rekutenga mota yako.

Seta bhajeti yako zvinoenderana nechikwereti chako chinopihwa

Hausi iwo mutengo wemota waunogona kutenga wakataurwa mukupihwa kwako kwekutanga, asi iyo mari yaunokwanisa kukwereta. Mitero nemari inofanira kuwedzerwa kubhajeti yako ne10%. Unogona kushandisa auto chikwereti Calculator kugadzira chikwereti chako. Tsvaga mubhadharo wepamwedzi wega wega webhajeti rako nekuisa yako yekubhadhara pasi, kutengeserana-mu kukosha, uye nguva yechikwereti.

Iwe haufanirwe kukwereta iyo yakazara mari kana usina kugadzikana neiyo mubhadharo wepamwedzi. Kazhinji, preapproval offer ingori gwara rezvaunokwanisa kutenga - unogona kukwereta zvishoma kana uchida. Pasinei nezvinotaurwa nebhangi rako, unofanirwa kuve nechokwadi chekuti unokwanisa kubhadhara zvakanaka pachikwereti chako.

Tsvaga motokari yako

Yave nguva yekusarudza mota yako nyowani ikozvino iwe une mari yekupihwa uye ziva yako yakanyanya mari yemari.

• Ita shuwa kuti chikwereti chinopihwa chinosanganisira zvinotevera pakusarudza mota:
• Ma brand asina kubatanidzwa. Mota dzemagetsi, semuenzaniso, hadziwanzo kupihwa mari nevamwe vanokweretesa.
• Zvinodiwa kune vatengesi. Kune vamwe vanokweretesa, vakaita seCapital One, inoda kuti vatengesi vave veimwe network yevatengesi vasati vaita chikumbiro chechikwereti.
• Paunenge uchitenga mota kubva kumunhu, unofanirwa kutevedzera zvinodiwa nemukweretesi.
• Kurambidzwa nenguva. Zvikwereti zvinowanzowanikwa kwemazuva makumi matatu. Mukweretesi anogona kuwedzera kupihwa kana nguva yapera.
• Tarisa uone kupihwa kwechikwereti chemutengesi
• Iwe unogona kunge uchiri kukwanisa kukora iri nani mubereko - kubva kumutengesi - kana iwe ukatora bvunzo drive uye wotsvaga mota inoenderana nezvido zvako.

Vatengesi vanowanzopa mubereko wepasi-pamusika kune vatengi vanotenga mota kuburikidza nemabhangi emugadziri wemotokari. Maneja wezvemari anoedza kurova chiyero chakatarwa chawakatenderwa kana angoziva kuti wakatenderwa kuita izvozvo. Kuedza kuderedza mubereko wako hakukuvadzi, uye hapana chakaipa pakushandisa.

Iwe unofanirwa kuudza mutengesi kuti wakatotenderwa kare kunyangwe iwe usingade kutamba mutambo. Mumamiriro ezvinhu ekutenga mari, unogona kutaurirana chete mutengo wemotokari, kwete mubhadharo wepamwedzi, saka unogona kubhuroka pamutengo chete.

Ita sarudzo yako yechikwereti uye woipedzisa

Mari yekubhadhara inofanira kunge yakaderera kana ichienzaniswa nechiyero chawakatenderwa kare (uye mamwe mazwi anofanira kunge akafanana). Zvakanaka kana iwe ukabvuma chikwereti chiripo zvisinei kuti ndezvipi zvimwe zvaunopihwa. Iwe unofanirwa kugara uchiverenga zvibvumirano zvakanyatsonaka usati wazvisaina kuti uone kuti hazvisi zvekunyepedzera.

Mari dzakavanzwa dziripo. Pamusoro pemutengo wekutenga motokari, pachava nemutero wekutengesa, mari yezvinyorwa, uye mari yekunyoresa. Zvakakosha kubvunza muripo wakawandisa.

Nguva yakareba yechikwereti inobatanidzwa. Kuwedzerwa kunyange kwemwedzi gumi nemiviri kunogona kukonzera mazana emadhora mukuwedzera kubhadhara. Tora mwero wemutengesi wakaderera kana uchikwanisa kuwana chikwereti chakareba. Muzviitiko zvakawanda, inishuwarenzi yegap inogona kuwanikwa nemutengo wakaderera kana ukasaikumbira. Chirango chinotemerwa pakukurumidza kubhadhara. Chibvumirano chechikwereti chemotokari kazhinji hachina chirevo chakadai, asi ipfungwa yakanaka kutarisa.

Kuti utore mukana wekupa kwako kwakafanotenderwa, unofanirwa kutevedzera mirairo yakapihwa nemukweretesi wako. Vamwe vanokweretesa vangangoda kutaurwa newe zvakananga, nepo vamwe vangangoda kuti utaure navo wega.

Vatengesi vakazvimiririra vanowanzoda mari kana cheki yecashier pakutenga mota. Mushure mekusarudza mota, taura nemukweretesi kuti uone kuti wopedzisa sei dhiri. Zvadaro, unosaina mapepa. Ichiri pfungwa yehungwaru kutarisa kondirakiti yezvinhu zviri pamusoro, asi iwe wakachengeteka zvakanyanya kubva kune ma-add-ons kana iwe usingabhadhari mari kuburikidza nemutengesi.

Bhadhara nenguva

Mushure mekunge chikwereti chako chemotokari chavharwa mukati, wagadzirira kutyaira uchienda pakuvira kwezuva. Asi usakanganwa imwe nhanho - kuita nguva-yekubhadhara chikwereti chemotokari. Mukweretesi wako anogona kupa mukana wepamhepo kune ruzivo rwako rwechikwereti, kwaunogona kuseta otomatiki kubhadhara. Kutora nguva yekuita izvi kunobatsira iwe kuvaka nhoroondo ye-nguva-yekubhadhara chikwereti, mupiro wakakoshera kune yako kiredhiti mamakisi, uye kugona kuwana chikwereti nemitengo iri nani mune ramangwana.