Ngongole zamagalimoto, izi ndi zomwe simukudziwa

Kugula galimoto nthawi zambiri kumakhala ndalama zachiwiri zofunika kwambiri pamoyo mutagula malo. Kupereka ndalama zothandizira ntchitoyi kumafuna ngongole zambiri, chifukwa chake ndikofunikira kudziwa ngongole zamagalimoto asanachite. Koma pakati pa mtengo wonse wandalama, kusankha pakati pa LOA ndi ngongole zachikhalidwe, kapena inshuwaransi yobwereka, zinthu zambiri sizidziwika kwa anthu wamba ndipo zimatha kukhala ndi zodabwitsa zosasangalatsa.

Kugula galimoto nthawi zambiri kumayimira ndalama zachiwiri m'moyo pambuyo pa malo ogulitsa nyumba. Kuti tipeze ndalama zogwirira ntchito yofunikayi, ndikofunikira kumvetsetsa zonse zomwe mungabwere ndi ngongole yagalimoto musanapange ngongole.

Pakati pa mitundu yosiyanasiyana zotheka, inshuwalansi, kapena ndalama zowonjezera, zinthu zambiri zimakhalabe zosadziwika ndipo zimatha kukhala ndi zodabwitsa zosasangalatsa. Tiyeni tione.

Choyamba, pali magulu awiri akuluakulu a ndalama zogulira galimoto: ngongole yapamwamba ndi Kubwereketsa ndi Purchase Option (LOA). Ngati ngongole yachikhalidwe imadziwika bwino, LOA ikukhala yokongola kwambiri. Nthawi zambiri imaphatikizapo kukonza ndi inshuwaransi kuwonjezera pa kubweza pamwezi, koma samalani ndi mtunda!

Chizindikiro china chodziwikiratu komanso chosanyalanyazidwa: kuchuluka kwa zomwe munthu wapereka. Chokulirapo, ndipamene mungakambitsirane ndi mtengo wopindulitsa kwambiri ndikuchepetsa mtengo wonse wandalama. Ganizilani izi!

🥀 Kodi ngongole yamagalimoto ndi chiyani?

Pamene inu mulibe ndalama chofunika kulipira galimoto yatsopano, ngongole ya galimoto ingakuthandizeni kuigula, kaya galimotoyo ndi yatsopano kapena yogwiritsidwa ntchito. Mukalandira ngongole yamagalimoto, mumabwereka ndalama kuti mugule galimoto.

Mukuvomera kubweza ndalamazo pakanthawi yoikika, kuphatikiza zolipirira zilizonse ndi chiwongola dzanja chomwe mupeza. Kwa anthu ambiri, kugula galimoto kumafuna kutenga ngongole.

Pali mitundu yosiyanasiyana ya ngongole zamagalimoto, ndipo malingana ndi momwe ndalama zanu zilili, imodzi mwa izo ikhoza kukhala yabwino kuposa ena. Dziwani bwino zamitundu yodziwika bwino ya ngongole zamagalimoto musanayambe kulembetsa.

Nthawi zambiri, pali njira ziwiri zobwereka ndalama zogulira galimoto: ngongole yolunjika kapena ndalama ndi a Wogulitsa.

✔ Ngongole zachindunji

Obwereketsa mwachindunji amaphatikiza mabanki, mabungwe obwereketsa ngongole ndi mabungwe ena azachuma monga obwereketsa pa intaneti.

Kubwereketsa kwa m'modzi mwa obwereketsawa kungakupatseni mwayi wofananizira zomwe mukufuna kubwereketsa ndipo kungakupatseni mwayi woti muvomerezedwe ndi ngongole inayake musanagule. Ndipo mukakonzeka kugula, mudzagwiritsa ntchito ngongoleyo kulipira galimotoyo.

✔ Dealer ndalama

Njira iyi, yomwe imayang'aniridwa ndi dipatimenti yazachuma kudera lanu, imapangitsa kukhala kosavuta kugula galimoto yanu ndi ngongole yanu yamagalimoto pamalo amodzi.

Ogulitsa nthawi zambiri amakhala ndi maubwenzi ndi obwereketsa angapo, kotero mutha kufananiza mawu ndikukhala oyenerera mapulogalamu otsika kapena mapulogalamu olimbikitsira omwe amathandizidwa ndi opanga.

Koma samalani ndi ogulitsa " gulani apa, lipirani apai" zomwe zimapereka ngongole za chiwongola dzanja chambiri kwa ogula omwe alibe ngongole yamphamvu.

Ngati simukufuna kutenga ngongole yagalimoto kapena simukuyenera kuvomerezedwa, funsani wachibale kuti akuthandizeni kapena dikirani mpaka mutasunga ndalama zokwanira. Mukhozanso kufufuza njira ina yobwereketsa ngongole, monga ngongole yaumwini kuchokera kwa wobwereketsa anzanu ndi anzanu.

🥀 Kodi ngongole zamagalimoto zimagwira ntchito bwanji?

Kwa anthu ambiri, kugula galimoto ndi imodzi mwazinthu zazikulu zomwe mungapange, chachiwiri kugula nyumba. Ngakhale kuti kulipira ndi ndalama n’kwabwino, zoona zake n’zakuti anthu ambiri amafunikira ngongole kuti alipirire galimoto zawo, kaya zatsopano kapena zogwiritsidwa ntchito.

Monga chinthu chomwe chimapeza chiwongola dzanja pamene mukubweza pakapita nthawi, ndikofunikira kukhala okonzeka musanatenge ngongole yagalimoto. Ndalama zomwe mumabwereka, nthawi yomwe mumatenga kuti mubweze, komanso chiwongola dzanja chanu zonse zimakhudza kuchuluka kwa zomwe mumalipira pamwezi.

• Kuchuluka kwa ngongole. Zitha kukhala zotsika kwambiri kuposa mtengo wagalimoto, kutengera ngati muli ndi galimoto yogulitsa kapena / kapena mukulipira.
• Mtengo wapachaka. Ichi ndiye chiwongola dzanja chomwe mumalipira pa ngongole yanu.
• Nthawi ya ngongole. Iyi ndi nthawi yomwe muyenera kubweza ngongoleyo, nthawi zambiri miyezi 36 mpaka 72.

Chimodzi mwazinthu zofunika kwambiri kumvetsetsa momwe ngongole zamagalimoto zimagwirira ntchito ndi ubale pakati pa nthawi ya ngongole ndi chiwongola dzanja chomwe mumalipira. Kubweza ngongole kwanthawi yayitali kumatha kuchepetsa malipiro anu pamwezi, komanso kumatanthauza kuti mumalipira chiwongola dzanja chochulukirapo.

✔ Mwachitsanzo

Ganizilani a ngongole yamagalimoto ya $25 pamlingo wapachaka wa 000% ndi nthawi ya miyezi 3,00. Pazaka 48 zolipira, mudzalipira $4 pachiwongola dzanja chonse pa ngongoleyo. Ngati muwonjezera ngongole yomweyi kwa miyezi 1 (kapena zaka 561), ​​mudzachepetsa malipiro anu pamwezi ndi $60, koma mudzawonjezera chiwongola dzanja chonse. adzalipira kuchokera pa $1 mpaka $561 $.

Palibe njira imodzi yodziwira ngongole yabwino yamagalimoto. Ichi ndichifukwa chake muyenera kupeza nthawi yomvetsetsa momwe ngongole zamagalimoto zimagwirira ntchito ndikupanga chisankho choyenera kutengera momwe ndalama zanu zilili.

Anthu ena adzapindula kwambiri potenga nthawi yayitali kuti achepetse malipiro a mwezi uliwonse ndikugwiritsa ntchito kusiyana kwake kuti alipire ngongole ya chiwongoladzanja chokwera. Ena amakonda kulipira apamwamba pamwezi ndi kubweza ngongoleyo msanga. Mukungoyenera kuweruza.

🥀 Zofunikira pakufunsira ngongole yagalimoto

Kuti muyenerere kubwereketsa galimoto, nthawi zambiri mudzafunika kulemba fomu yofunsira ngongole yomwe imakupatsani chidziwitso chazachuma chanu. Mudzafunika mfundo zotsatirazi kuti ndondomekoyi iyende bwino:

• Nambala yachitetezo chamtundu
• Ma adilesi apano ndi am'mbuyomu
• Zambiri zaposachedwa komanso zam'mbuyomu zantchito
• Ndalama zonse ndi magwero a ndalama
• Zambiri za ngongole ina iliyonse yomwe mungakhale nayo

Nthawi zambiri, kuvomereza kumaphatikizanso kuyang'ana mbiri yanu yangongole ndipo kumatha kuyamba ndi ziyeneretso. Izi zitha kuyambitsa kukokera pang'ono pangongole yanu, kutanthauza kuti sizikhudza masukulu anu angongole.

Ngati mwavomerezedwa ndikupita patsogolo ndikufunsira kwathunthu, wobwereketsa nthawi zambiri amafunsa movutikira pangongole yanu.

Zomwe zingayambitse kuchepa kwanu ngongole za ngongole. Ndipo ngakhale mutakhala oyenerera kale, mawu anu angongole ndi chivomerezo chanu zitha kusiyana mukatumiza fomu yonse. Koma bola mukamafananiza ngongole zanu zonse pakanthawi kochepa, sipangakhale vuto lalikulu pangongole yanu.

🥀 Njira zopezera ngongole yamagalimoto

Pambuyo pa zonse zomwe ndakuuzani pamwambapa, mukudziwa kale ngati mukufuna ngongole yagalimoto kapena ayi. Tiyerekeze kuti mukuzifuna ndipo funso loyaka moto ndilakuti mungazipeze bwanji? Nazi njira zomwe mungatsatire kuti mupeze ngongole yagalimoto yomwe ili yoyenera kwa inu.

✔ Gawo 1: Sankhani ngati mukufuna galimoto yatsopano kapena yogwiritsidwa ntchito

Sankhani ngati mukufuna galimoto yatsopano kapena chiwiri ndi chofunikira. Izi zitha kudalira zinthu zosiyanasiyana, monga ndalama zanu, moyo wabanja komanso kuchuluka kwa maulendo. Magalimoto atsopano adzakhala nthawi yaitali, koma mtengo wawo udzachepa mofulumira.

Komabe, nthawi zambiri mumatha kupeza chiwongola dzanja chabwino pa ngongole yatsopano yagalimoto chifukwa mukapanda ngongole, wobwereketsayo akhoza kugulitsanso galimotoyo pamtengo wapamwamba.

Ngongole yagalimoto yogwiritsidwa ntchito nthawi zambiri imakhala yotsika mtengo, koma galimotoyo ingafunike kukonza zinthu zambiri, zomwe zimatha kuwonjezera pakapita nthawi.

✔ Gawo 2: Dziwani kuchuluka kwa ndalama zomwe mungagwiritse ntchito pogula galimoto

Yang'anani kwanthawi yayitali pazachuma chanu ndikusankha ndalama zomwe mungagwiritse ntchito pagalimoto yanu. Mungathe kuyikapo ndalama zingati kulipira pasadakhale ? Mukapeza nambala imeneyo, ganiziraninso ndalama zimene munthu amawononga nthawi zonse pokhala ndi galimoto, monga gasi, inshuwalansi ya galimoto, ndiponso kuisamalira nthawi zonse.

Pomaliza, nanga ngongole yokhayo? Nthawi yobwereketsa italikirapo, ndiye kuti muyenera kulipira pang'ono mwezi uliwonse. Koma choyipa ndichakuti mudzalipira chiwongola dzanja chochulukirapo, ndikukupangitsani kulipira zambiri kuposa momwe galimotoyo ilili yoyenera. Ganizirani zonsezi posankha mtundu wanu wamitengo.

✔ Gawo 3. Onani lipoti lanu la ngongole

Kukongola kwanu kudzakhudza kwambiri mtundu wa ngongole zomwe mwavomerezedwa, kotero yang'anani lipoti lanu langongole musanalembe ntchito. Ukadakhala kuti ngwazi zanu zangongole zili bwino, zipangitsa kuti ngongole zanu zikhale zabwino.

✔ Gawo 4. Lembani pempho la ngongole

Pakufunsira ngongole, mudzafunsidwa kuti mupereke zonse kapena gawo lazidziwitso zotsatirazi:

• Zambiri (dzina, adilesi, tsiku lobadwa)
• Nambala yachitetezo chamtundu
• Dzina la omwe akukulembani ntchito pano komanso kuchuluka kwa zaka zomwe mukugwira ntchito
• Ndalama zanu
• Nambala za akaunti yakubanki
• Kaya mumabwereka kapena muli ndi nyumba yanu
• Zomwe zimawononga pamwezi
• Lipoti la ngongole

Kumbukirani kuti nthawi iliyonse mukapempha ngongole, zimawonekera pa lipoti lanu la ngongole ndipo zimapweteka ndemanga yanu ya ngongole. Komabe, ngati mungalembetse ngongole zingapo pa imodzi 14 tsiku nthawi, izi zingowerengedwa ngati pempho limodzi. Nthawi imeneyi imatha kusiyanasiyana kutengera dziko lina.

✔ Gawo 5. Pezani kuvomerezedwa kale

Ndalama zomwe mwavomerezedwa kale zidzakupatsani lingaliro la bajeti yanu yayikulu. Ngati mukulandira ngongole kuchokera kwa ogulitsa, fufuzani pasadakhale ngati mungavomerezedwe kubwereketsa.

Malonda osiyanasiyana adzakhala ndi machitidwe osiyanasiyana, koma ena amalola kuvomereza musanasankhe galimoto inayake.

✔ Khwerero 6. Pezani wosayina nawo, ngati pakufunika

Nthawi zina obwereketsa amakuvomerezani ngongole yagalimoto ngati muli ndi wosayina nawo. Ngati muli ndi ngongole yochepa kapena ndalama zosakwanira kuti muthe kulipira pamwezi, wobwereketsa angafunike kuti mukhale ndi wosayina nawo ngongoleyo.

Wosaina nawo ndi munthu yemwe ali ndi ngongole yabwino yemwe amavomera kutenga udindo wonse wa ngongoleyo pakangolephera. Malipiro amawonekera pamalipoti anu onse angongole, choncho onetsetsani kuti amene mwasaina nawo amvetsetsa bwino zomwe mwalembazo.

✔ Gawo 7. Sankhani galimoto

Sankhani galimoto yomwe ikugwirizana ndi zosowa zanu komanso bajeti yanu. Kambiranani zinthu zabwino kwambiri zomwe mungathe pagalimoto ndi kuchuluka kwa ngongole yanu, kenako dziwani kuti mudzayenera kulipira zingati mwezi uliwonse.

Ma FAQ a Ngongole Yagalimoto

Kodi pali kusiyana kotani pakati pa ngongole yakale ndi LOA yagalimoto?

Kubwereketsa ndi Option to Purchase (LOA) nthawi zambiri kumaphatikizapo kukonza ndi inshuwaransi kuwonjezera pa ndalama. Ngongole yakale imangokhudza kugula. Koma LOA imatanthawuza malire a mtunda.

N’chifukwa chiyani zopereka zaumwini zili zofunika kwambiri pa ngongole ya galimoto?

Ndalama zikachuluka, mabanki amawonjezera chiwongola dzanja pazandalamazo, zomwe zimachepetsa kwambiri mtengo wangongole.

Kodi inshuwaransi yagalimoto yoperekedwa ndi banki ndiyokakamiza?

Non, mutha kutenga inshuwaransi yagalimoto ndi inshuwaransi yomwe mwasankha malinga ngati ikupereka chitsimikizo chokwanira pamaso pa banki.

Kodi ngongole yamagalimoto imaphatikizapo zolipirira zina?

inde, muyenera kuganiziranso ndalama zolembera banki, ndalama zolembera, mwinamwake chitsimikizo cha makina, ndi zina zotero. Khalani maso pa mfundo zonsezi.

Momwe mungakambirane bwino ngongole yagalimoto yanu?

Fananizani zomwe mwapereka, dziwani bwino fayilo yanu, bweretsani mpikisano powonetsa zotsatsa zabwino kwambiri zotsutsana, ndipo musazengereze kufunsa kuti ndalama zina zichotsedwe.

🥀 Kutseka

M'nkhaniyi, tawunikanso zinthu zingapo zofunika koma zomwe nthawi zambiri zimanyalanyazidwa pazandalama zamagalimoto: zobisika pakati pa LOA ndi ngongole zanthawi zonse, kufunikira kwa zopereka zaumwini, zovuta za inshuwaransi, kapena ndalama zina zowonjezera. .

Kuyambira pano, muli ndi makhadi onse m'manja kuti musankhe ngongole yagalimoto yanu ndi chidziwitso chonse cha zowona. Tengani nthawi yofananiza zopereka zosiyanasiyana zochokera ku mabanki ndi ogulitsa, pogwiritsa ntchito makina oyeserera pa intaneti, malinga ndi zosowa zanu.

Ndipo musazengereze kukambirana mwamphamvu kuti mupeze zinthu zabwino kwambiri! Kupatula nthawi yocheperako kungakupulumutseni kukhumudwa kwambiri pambuyo pake. Tsopano mwakonzeka kuyamba ndikupereka ndalama zogulira galimoto yanu yotsatira. Zomwe zatsala ndikupeza mtundu wamaloto anu! Njira yabwino!

Musanachoke, apa pali maphunziro omwe amakulolani kutero kuchita malonda mu ola limodzi lokha.