Abathengisi baya kuhlala bebhengeza inzala entle kakhulu kwiimoto ezintsha: 2.9%, 1.9%, ngamanye amaxesha nkqu 0%. Into abayishiyayo kushicilelo oluhle kukuba ezi ntlawulo zifumaneka kuphela kubathengi beemoto ngetyala elingcono-oko kunokuthetha amanqaku angama-750 okanye angcono.
Ngoku, yeyiphi i-APR efanelekileyo yemali mboleko yemoto? Ukusukela ngoJanyuwari 2020, Iindaba zase-US zibika ezi nkcukacha-manani zilandelayo zomndilili wamaxabiso mboleko yemoto: Egqwesileyo (750 - 850): 4.93 ekhulwini entsha, i-5.18 ipesenti esetyenzisiweyo, i-4.36 ipesenti ye-refinancing. Okuhle (700 - 749): ipesenti ye-5.06 entsha, i-5.31 yepesenti esetyenzisiweyo, ipesenti ye-5.06 yokubuyisela imali.
Ngaba i-$ 500 ngenxa yentlawulo eninzi kakhulu? A $500 kuba intlawulo malunga nomndilili ngoku. Umbono othi "kakhulu" uya kuxhomekeka kumvuzo wakho kunye neendleko zokuhlala, iindleko zakho ze-inshurensi, kunye nezinye izinto zohlahlo lwabiwo-mali.
Ukongeza Ibiza malini i-30000 yemoto ngenyanga? Nge-$ 30,000 ngenxa yokuba, ngokumalunga $ 600 ngenyanga.
Uthini umyinge wenzala kwimali-mboleko yemoto enamanqaku angama-750? Umndilili weeReyithi zeMali-mboleko ye-Auto yeTyala eliGqwesileyo
Inqaku letyala | Imali-mboleko yemoto eNtsha | Imali-mboleko yemoto esetyenzisiweyo |
---|---|---|
750 okanye ngaphezulu | 6.12% | 6.37% |
Nov 12, 2021
Uthini umyinge wenzala kwimali-mboleko yemoto enamanqaku angama-700 etyala?
Abantu abanamanqaku alungileyo etyala 700–749 umndilili wezinga lenzala I-5.07% yemoto entsha kunye ne-5.32% yemoto esetyenzisiweyo.
Kufuneka ibe yintoni inqaku lakho letyala ukuze uthenge imoto? Leliphi elona nqaku lincinci lifunekayo ukuze kuthengwe imoto? Ngokubanzi, ababolekisi bajonga ababoleki kuluhlu oluphambili okanye olungcono, ke uya kufuna amanqaku ngama-661 nangaphezulu ukuze ufumane iimali-mboleko zemoto eziqhelekileyo.
Ndingafikelela malini kumvuzo wama-50k? Kunokuba ujonge iindleko zokuhamba zenyanga, uDave ucebisa ukuba uthenge iimoto ezingabizi ngaphezu kwama-50% omvuzo wakho wonyaka. Ke ukuba wenza $50,000 ngonyaka, wena akufuneki achithe ngaphezulu kweedola ezingama-25,000 yemoto (iimoto).
Yeyiphi intlawulo yemoto yenyanga?
Uthini umndilili wentlawulo yemoto? Ukusukela ngo-2021, umndilili wentlawulo yemoto yenyanga e-US $575 izithuthi ezintsha kunye ne-$ 430 yezithuthi ezisetyenzisiweyo.
Kwakhona Yintoni ethathwa njengentlawulo yemoto ephezulu? Ngokutsho kweengcali, intlawulo yemoto iphezulu kakhulu ukuba intlawulo yemoto ngaphezulu kwe-30% yomvuzo wakho uwonke. Khumbula, intlawulo yemoto ayikuphela kweendleko zemoto yakho! Qinisekisa ukuba uqwalasela iindleko zepetroli nezokugcina. Qinisekisa ukuba intlawulo yemoto yakho ayidluli kwi-15% -20% yomvuzo wakho uwonke.
Ngaba i-4000 yintlawulo elungileyo yemoto?
Ukuba uthenga imoto eyi- $ 30,000 kwaye wenze iipesenti ezili-10 zokuhlawula, intlawulo ephantsi iya kuba yi- $ 3,000 ngexesha lokuthengisa. … Njengomgaqo jikelele, jonga hayi ngaphantsi kwe-20% phantsi.
Yeyiphi eyona ndlela yokuthethathethana ngexabiso lemoto? Iingcebiso ezi-6 zokuthethathethana ngeXabiso leMoto
- Yenza uphando lwakho kuqala. Ngaphambi kokuba uye kumthengisi weemoto, yenza umsebenzi wakho wasekhaya. …
- Yazi into onokuyifikelela. …
- Sebenzisa ixabiso loMthengisi. …
- Yazi iXabiso lakho lokurhweba. …
- Kulungile Ukuhamba. …
- Iintlawulo zothethwano kuMsebenzi wePhepha.
Yimalini eninzi kakhulu kwintlawulo yemoto yenyanga?
Intlawulo yakho yenyanga iyonke yemoto (inzala, inqununu, irhafu yokuthengisa, kunye ne-inshurensi) kufuneka ungagqithi kwi-10% yomvuzo wakho wenyanga uwonke. Olu luhlobo lwenguqulelo yegranular ngakumbi yomthetho wama-35%. Umgaqo we-35% (okanye ngaphantsi) unika uhlahlo lwabiwo-mali ngokubanzi ukuba udibanise kwizihlungi zokukhangela kwiCarmax, Edmunds, njl.
Ngaba i-5.9 yinzala elungileyo yemoto?
Ingakanani imali onokuthi uyigcine kwimoto enenqaku elingcono letyala. … I-avareji yesixa-mali semali-mboleko yemoto entsha yabaqhubi be-superprime yi-$29,620, ngokutsho kwe-Experian, ukuze ulungele ukufumana ireyithi elungileyo (okanye yokuqala) 5.9% siye $29,620 mboleko ehlawulwe phezu 60 iinyanga.
Ngeliphi izinga lenzala endinokulifumana nge-630 yamanqaku ekhredithi? Ityala eliFanelekileyo (630-689): ~18 – 22% Umgangatho wenzala. Ityala Elilungileyo (690-719): ~ 14 - 18% Inzala. Ityala eliGqwesileyo (720+): ~ 10 – 14% Inzala.
Ngaba u-756 lityala elilungileyo? I-FICO yakho® Amanqaku awela phakathi koluhlu, ukusuka kwi-740 ukuya kwi-799, enokuthi ithathelwe ingqalelo kakhulu. AT 756 FICO® Amanqaku angaphezulu komndilili wamanqaku etyala. Ababoleki abanamanqaku kuluhlu oluLunge Kakhulu bafaneleka ukufumana inzala engcono yababolekisi kunye nonikezelo lwemveliso.
Ngaba ama-640 ngamanqaku alungileyo okuthenga imoto?
Inqaku lekhredithi malunga ne-640 ukuya I-649 ithathwa njengetyala elifanelekileyo. Amanqaku akho angaphantsi komndilili wesizwe wama-710, kodwa alikho kuluhlu “oluphantsi”. Uya kulungela malunga nayo nayiphi na imali ebolekiweyo entsha, esetyenzisiweyo, okanye yokuhlaziya imoto kwimarike, kodwa awuzukufumana eyona nzala ilungileyo.
Yintoni ongafanele uyithethe kumthengisi wemoto? Izinto ezili-10 ongazithethi kuMthengisi weMoto
- "Ndiyithanda kakhulu le moto" ...
- "Andazi kakhulu malunga neemoto" ...
- "Urhwebo lwam lungaphandle" ...
- “Andifuni ukusiwa kubacoci” …
- "Ityala lam alilunganga kangako" ...
- "Ndibhatala imali" ...
- "Ndidinga ukuthenga imoto namhlanje" ...
- "Ndifuna intlawulo yenyanga ngaphantsi kweedola ezingama-350"
Loluphi usuku lweveki olulungele ukuthenga imoto?
uMvulo inokuba lolona suku lulungileyo lweveki lokuthenga imoto entsha; abanye abathengi abanokubakho basoloko besemsebenzini, ngoko ke abameli kwiivenkile ezithengisa iimoto bajolisa kuye nabani na ongena emnyango.
Ngawaphi amanqaku eFICO asetyenziswa ngabathengisi beemoto? Uninzi lwababolekisi beemoto basebenzisa I-FICO AutoScore 8, njengelona lixhaphake kakhulu, okanye i-FICO Auto Score 9. Yeyona yamva nje kwaye isetyenziswa zizo zontathu ii-bureaus. I-Auto Score ye-FICO isukela kwi-250 ukuya kwi-900, oko kuthetha ukuba inqaku lakho le-FICO liya kwahluka kwi-FICO Auto Score yakho.
Nguwuphi umvuzo owufunayo ukuze uthenge imoto ye-40k?
Ngaphandle kwamanye amatyala, unako ukuthenga imoto ye-$ 40k ingeniso ngonyaka $12,000. Kodwa ukuba unawo amanye amatyala (okt inkosikazi kunye nabantwana kunye nemali-mboleko kunye nemali-mboleko yabafundi) qwalasela amatyala akho kwaye wenze isigqibo sokuba unganakho ukuthenga imoto entsha.
Uthini umthetho wohlahlo lwabiwo-mali lwama-50 30 20? Yintoni umthetho we-50-20-30? Umgaqo we-50-20-30 yindlela yokulawula imali eyahlula umvuzo wakho kwiindidi ezintathu: I-50% kwizinto ezibalulekileyo, i-20% yokulondoloza kunye ne-30% yayo yonke enye into.
Umndilili waseMelika uyihlawula malini imoto?
Ngo-2021, umndilili wemoto uxabisa i-$42,258 ngonyaka intlawulo avareji $563 ngenyanga, ngokwedatha evela kwi-Kelley Blue Book kunye ne-LendingTree. Ngaphaya kwexabiso lesitikha kunye neentlawulo, nangona kunjalo, kukho iindleko zegesi, i-inshorensi, utshintsho lweoyile kunye nezinye iindleko ezifunwa ngabanini beemoto.