Zvikwereti zvemotokari, izvi ndizvo zvausingazive

Kutenga motokari kazhinji ndiyo yechipiri inonyanya kukosha mari muhupenyu mushure mekutenga real estate. Kubhadhara chirongwa ichi nekudaro kunoda chikwereti chakakura, nekudaro kukosha kwekuziva zvikwereti zvemotokari vasati vazvipira. Asi pakati pemutengo wakazara wekubhadhara mari, sarudzo pakati peLOA nekiredhiti yechinyakare, kana inishuwarenzi yeanokwereta, zvinhu zvakawanda zvinoramba zvisingazivikanwe kune veruzhinji uye zvinogona kubata zvisingafadzi zvinoshamisa.

Kutenga mota kazhinji kunomiririra yechipiri mari muhupenyu mushure meiyo real estate. Kuti uwane mari iyi chirongwa chakakosha, saka zvakakosha kuti unzwisise zvese ins uye kunze kwechikwereti chemotokari usati waita.

Pakati pemhando dzakasiyana dzinogoneka, inishuwarenzi, kana zvimwe mari yekuwedzera, zvinhu zvakawanda zvinoramba zvisingazivikanwe uye zvinogona kubata zvisingafadzi zvinoshamisa. Ngatiitei cheki mukati.

Chokutanga pane zvose, pane zvikamu zviviri zvakakosha zvekubhadhara motokari: kiredhiti yekare uye Kuroja nePurchase Option (LOA). Kana kiredhiti yechinyakare ichizivikanwa zviri nani, LOA iri kuramba ichiwedzera kukwezva. Iyo inowanzo sanganisira kuchengetedza uye inishuwarenzi mukuwedzera kune yekubhadhara pamwedzi, asi teerera kune mileage!

Imwe inotaridza uye inowanzoregeredzwa parameter: huwandu hwemupiro wega. Iyo yakakura, iyo inonyanya kubatsira chiyero chaunogona kutaurirana uye kuderedza iyo yakazara mutengo wemari. Funga nezvazvo!

🥀 Chii chinonzi chikwereti chemotokari?

Kana iwe handina mari inodiwa kubhadhara motokari itsva, chikwereti chemotokari chinogona kukubatsira kuitenga, ingave motokari itsva kana kushandiswa. Paunowana chikwereti chemotokari, unokwereta mari kubva kune mukweretesi kutenga motokari.

Unobvuma kudzorera mari yacho pamusoro penguva yakatarwa, pamwe nemari ipi neipi uye mubereko waunowana. Kune vanhu vakawanda, kutenga motokari kunoda kutora chikwereti.

Kune mhando dzakasiyana dzezvikwereti zvemotokari, uye zvichienderana nemamiriro ako emari, imwe yacho inogona kunge iri sarudzo iri nani pane vamwe. Wana kunzwisisa kuri nani kweakajairika marudzi emotokari zvikwereti usati watanga kunyorera imwe.

Kazhinji, kune nzira mbiri dzekukwereta mari yekutenga mota: chikwereti chakananga kana kupihwa mari nea mutengesi.

✔️ Zvikwereti zvakananga

Vanokweretesa vakananga vanosanganisira mabhanga, masangano ezvikwereti uye mamwe masangano emari sevanokweretesa pamhepo.

Kukwereta kubva kune mumwe weava vanokweretesa kunogona kukupa mukana wekufananidza mazwi echikwereti chako uye kunogona kukupa mukana wekuti utange watenderwa kune chimwe chikwereti usati watenga. Uye kana wagadzirira kutenga, uchashandisa chikwereti ichocho kubhadhara motokari.

✔️ Dealer financing

Sarudzo iyi, inotungamirwa nedhipatimendi rezvemari yemutengesi wako, inoita kuti zvive nyore kutenga mota yako nechikwereti chako chemotokari munzvimbo imwechete.

Vatengesi vanowanzova nehukama nevakawanda vanokweretesa, saka unogona kukwanisa kufananidza mazwi uye kutokodzera zvirongwa zvakaderera kana zvirongwa zvinotsigirwa nemugadziri.

Asi chenjerai kune vatengesi " tenga pano, bhadhara panoi” iyo inopa zvikwereti zvemotokari zvakakwirira kune vatengi vasina kiredhiti yakasimba.

Kana iwe usingade kutora chikwereti chemotokari chechinyakare kana usingakodzere kubvumidzwa, funga kukumbira nhengo yemhuri kuti ikubatsire kana kumirira kusvika wachengeta mari yakakwana. Iwe unogona zvakare kutsvaga imwe sarudzo yechikwereti, senge chikwereti chako kubva kune wezera-kune-wezera mukweretesi.

🥀 Zvikwereti zvemotokari zvinoshanda sei?

Kune vanhu vazhinji, kutenga mota ndeimwe yekudyara kukuru kwauchaita, yechipiri chete kune kutenga imba. Kunyange zvazvo kubhadhara nemari kwakanakira, chokwadi ndechekuti vanhu vakawanda vanoda chikwereti kuti vabhadhare motokari yavo, ingava itsva kana yashandiswa.

Sechimwe chinhu chinowana mubereko paunenge uchibhadhara nekufamba kwenguva, zvakakosha kuti ugadzirire usati watora chikwereti chemotokari. Mari yaunokwereta, kuti unotora nguva yakareba sei kuti uidzorere, uye mubereko wako zvese zvinokanganisa mari yako yekubhadhara pamwedzi.

• Huwandu hwechikwereti. Inogona kuderera zvakanyanya kudarika kukosha kwemotokari, zvichienderana nokuti une motokari yekutengeserana uye / kana kuti uri kubhadhara.
• Chiyero chegore negore. Uyu ndiwo mubereko unoshanda waunobhadhara pachikwereti chako.
• Nguva yechikwereti. Ino ndiyo nguva yaunofanira kubhadhara chikwereti, kazhinji 36 kusvika 72 mwedzi.

Chimwe chezvinhu zvakakosha kuti unzwisise nezve mashandiro anoita zvikwereti zvemotokari hukama pakati penguva yechikwereti uye mubereko waunobhadhara. Nguva yakareba yechikwereti inogona kuderedza zvakanyanya kubhadhara kwako pamwedzi, asi zvinoreva zvakare kuti iwe unobhadhara imwe mubereko.

✔️ muenzaniso

Funga nezve a chikwereti chemotokari ye $25 pamwero wepagore we000% uye temu yemwedzi makumi mana nemasere. Kwemakore mana ekubhadhara, iwe uchabhadhara $3,00 mune yakazara mubereko pachikwereti. Kana ukawedzera chikwereti chimwe chete ichi kwemwedzi makumi matanhatu (kana makore mashanu), unoderedza kubhadhara kwako pamwedzi ne$48, asi uchawedzera mari yaunobhadhara. achabhadhara kubva pa$1 kusvika pa$561 $.

Iko hakuna nzira imwe chete yekuona yakanakisa chikwereti chemotokari. Ndicho chikonzero iwe unofanirwa kutora nguva yekunzwisisa kuti zvikwereti zvemotokari zvinoshanda sei uye kuita sarudzo yakanaka zvichienderana nemamiriro ako emari chaiwo.

Vamwe vanhu vanozobatsirwa zvakanyanya nekutora nguva yakareba kuti vadzikise mubhadharo wepamwedzi uye kushandisa mutsauko kubhadhara chikwereti chakakwira. Vamwe vanosarudza kuita muripo yakakwirira pamwedzi uye dzorera chikwereti nokukurumidza. Iwe unongoda kuita arbitrate.

🥀 Zvinodiwa pakunyorera chikwereti chemota

Kuti ukwanise kuwana chikwereti chemotokari, kazhinji unozofanirwa kuzadzisa chikumbiro chechikwereti chinopa ruzivo nezvemamiriro ako emari. Iwe ungangoda ruzivo rwunotevera kuti maitiro afambe zvakanaka:

• Social Security nhamba
• Kero dzazvino uye dzekare
• Yazvino uye yapfuura ruzivo rwebasa
• Mari yese uye masosi emari
• Ruzivo nezvechimwe chikwereti chaungave nacho

Kazhinji, maitiro ekubvumidza anosanganisira kutarisa kiredhiti yako zvibodzwa uye anogona kutanga ne-pre-qualification. Izvi zvinogona kukonzera kudhonza kudiki pachikwereti chako, zvichireva kuti hazvizokanganisa kiredhiti yako zvibodzwa.

Kana iwe wakambotenderwa uye uchienda kumberi nekunyorera kwakazara, mukweretesi anowanzo kuita kubvunza kwakaoma pachikwereti chako.

Izvo zvinogona kukonzera kudonha mukati mako zvikwereti zvibodzwa. Uye kunyangwe iwe wakafanokodzera, mazwi ako echikwereti uye kubvumidzwa zvinogona kusiyana kana iwe waendesa fomu rakazara. Asi chero iwe uchiita kuenzanisa kwese kwechikwereti chako mukati menguva pfupi yenguva, panenge pasisina kukanganisa pachikwereti chako.

🥀 Matanho ekutora chikwereti chemota

Mushure mezvese zvandabva kukuudza pamusoro, iwe unotoziva kuti unoda chikwereti chemota here kana kuti kwete. Tomboti unoida uye mubvunzo urikutsva ndewekuti unoiwana sei? Heano matanho ekutevera kuti uwane chikwereti chemotokari chakakunakira.

✔️ Danho 1: Sarudza kana iwe uchida mota nyowani kana yakashandiswa

Sarudza kana uchida motokari itsva kana chechipiri-ruoko chakakosha. Izvi zvinogona kuenderana nezvinhu zvakasiyana, senge mari yako, hupenyu hwemhuri uye huwandu hwekufamba. Motokari itsva dzichagara kwenguva refu, asi kukosha kwavo kuchaderera nokukurumidza.

Nekudaro, iwe unogona kazhinji kuwana mibairo iri nani pachikwereti chemota nyowani nekuti kana ukatadza pachikwereti, mukweretesi anogona kutengesa mota yacho nemari yepamusoro.

Chikwereti chemotokari yakashandiswa chinowanzova chinodhura, asi motokari ingada kuchengetedzwa kwakawanda, izvo zvinogona kuwedzera mukufamba kwenguva.

✔️ Danho rechipiri: Sarudza kuti imarii yaungashandisa pamotokari

Tarisa mari yako kwenguva refu uye sarudza kuti imarii yaungashandisa pamotokari yako. Iwe unogona kuisa yakawanda sei kune imwe kubhadhara mberi ? Pashure pokunge waona nhamba iyoyo, funga nezvezvinozoramba zvichidiwa pakuva nemotokari, zvakadai sepeturu, inishuwarenzi yemotokari, uye kugadzirisa nguva dzose.

Pakupedzisira, ko nechikwereti pachacho? Iyo yakareba nguva yechikwereti, zvishoma zvauchafanira kubhadhara mwedzi wega wega. Asi chakashata ndechekuti iwe unozopedzisira wabhadhara yakawanda mubereko, uchizotungamira iwe kubhadhara yakawanda kupfuura iyo mota yakakosha. Funga nezvezvinhu izvi zvose paunenge uchisarudza mararamiro ako.

✔️ Nhanho 3. Tarisa rondedzero yako yechikwereti

Kukweretwa kwako kuchave nemhedzisiro yakakura pamhando yechikwereti che izvo zvaunobvumirwa, saka tarisa kiredhiti yako usati wazadza chikumbiro. Izvo zvirinani zvibodzwa zvako zvechikwereti, ndizvo zviri nani mazwi ako echikwereti.

✔️ Danho 4. Zadzisa chikumbiro chechikwereti

Kuti uwane chikumbiro chechikwereti, iwe uchakumbirwa kuti upe zvese kana chikamu cheiyo inotevera ruzivo:

• Ruzivo rwekutanga (zita, kero, zuva rekuzvarwa)
• Social Security nhamba
• Zita rewaunoshandira iye zvino uye nhamba yemakore ebasa
• Mari yako
• Nhamba dzeakaundi yebhangi
• Ungave uchiroja kana muridzi wemba yako
• Zvinodiwa pamwedzi wega wega
• Mushumo wechikwereti

Ramba uchifunga kuti pese paunonyorera chikwereti, zvinoratidzira parepoti yako yechikwereti uye zvinokuvadza ongororo yako yechikwereti. Nekudaro, kana iwe ukanyorera inopfuura chikwereti chimwe chete mune imwe 14 zuva nguva, izvi zvinongoverengwa sechikumbiro chimwe chete. Iyi nguva inogona kusiyana kubva kune imwe nyika kuenda kune imwe.

✔️ Danho 5. Wana pre-approved

Huwandu hwaunofanotenderwa huchakupa iwe pfungwa yehuwandu hwebhajeti yako. Kana iwe uri kuwana chikwereti kubva kune mutengesi, tsvaga pachine nguva kana iwe uchigona kufanobvumidzwa kukwereta.

Vatengesi vakasiyana vachave nemaitiro akasiyana, asi vamwe vanozobvumidza pre-mvumo usati wasarudza imwe mota.

✔️ Nhanho 6. Tsvaga co-signer, kana zvichidiwa

Dzimwe nguva vanokweretesa vanongokubvumidza iwe kukweretesa mota kana uine co-signer. Kana uine chikwereti chakaderera chechikwereti kana mari isina kukwana yekubhadhara mari yemwedzi wega wega, mukweretesi angangoda kuti uve nemumwe-saina pachikwereti.

A co-signer mumwe munhu ane kiredhiti yakanaka anobvuma kutora mutoro wakazara wechikwereti kana pakaitika kukanganisa. Kubhadhara kunoonekwa pamishumo yako yechikwereti, saka ita shuwa kuti wako-saina anonzwisisa zvizere mazwi.

✔️ Danho 7. Sarudza motokari

Sarudza motokari inokodzera zvaunoda uye bhajeti yako. Kurukurai nezvezvakanakisa dhiri pamotokari uye chiyero chechikwereti chako, wozoona kuti imarii yaunoda kubhadhara mwedzi wega wega.

Mota Chikwereti FAQs

Ndeupi musiyano uripo pakati pechikwereti chekare uye LOA yemota?

Kuroja neOption to Purchase (LOA) kazhinji inosanganisira kuchengetedza uye inishuwarenzi mukuwedzera kune mari. Classic credit inobata chete kutenga. Asi iyo LOA inoreva miganho yemamaira.

Sei mupiro wega wega uchikosha pachikwereti chemotokari?

Kuwanda kwemupiro, mabhanga anowedzera kupa mubereko wakanakira pamari, izvo zvinoderedza zvakanyanya mutengo wechikwereti.

Inishuwarenzi yemotokari inopihwa nebhangi inosungirwa here?

Non, unogona kutora inishuwarenzi yemotokari neinishuwarenzi yesarudzo yako chero bedzi ichipa chiyero chakakwana chevimbiso mumaziso ebhangi.

Chikwereti chemotokari chinosanganisira dzimwe mari here?

ehe, unofanirawo kufunga nezvekubhadhara mari yebhangi, mari yekunyoresa, pamwe vimbiso yemuchina, zvichingodaro. Iva wakangwarira pazvinhu zvese izvi.

Nzira yekutaurirana sei chikwereti chemotokari yako?

Enzanisa zvinopihwa, ziva faira rako zvirinani, unza makwikwi nekuratidza zvakanakisa zvinopokana zvinopihwa, uye usazeze kukumbira kuti mimwe mitengo ibviswe.

🥀 Kuvhara

Muchinyorwa chino, takaongorora zvakasiyana-siyana zvakakosha asi kazhinji zvisingatarisirwe zvemari yemotokari: hunyengeri huripo pakati peLOA nekiredhiti yechinyakare, kukosha kwemupiro wemunhu, makomba einishuwarenzi, kana zvimwewo mari yekuwedzera. .

Kubva zvino zvichienda mberi, une makadhi ese muruoko kuti usarudze chikwereti chako chemotokari uine ruzivo rwakakwana rwechokwadi. Tora nguva yekuenzanisa zvinopihwa zvakasiyana kubva kumabhangi nevatengesi, uchishandisa online simulator, zvinoenderana nezvaunoda.

Uye usazeze kutaurirana zvakasimba kuti uwane iwo akanakisa mamiriro! Nguva shoma yakashandiswa zvisati zvaitika ichakuchengetedza zvakanyanya kuodzwa mwoyo gare gare. Iwe zvino wagadzirira kutanga uye wakadzikama mari yekutenga mota yako inotevera. Chasara kuwana modhi yezviroto zvako! Nzira yakanaka!

Usati waenda, heino dzidziso inokubvumira kuti uite tenzi kutengesa muawa imwe chete.