Abathengisi bazovame ukukhangisa inzalo enhle kakhulu ezimotweni ezintsha: 2.9%, 1.9%, ngezinye izikhathi ngisho no-0%. Okushiya kubhalwe phansi ukuthi la manani atholakala kuphela kubathengi bezimoto abanekhredithi engcono kakhulu - okungase kusho amaphuzu angu-750 noma ngaphezulu.
Hereof, Iyini i-APR ehloniphekile yokubolekwa imoto? Kusukela ngoJanuwari 2020, i-US News ibika izibalo ezilandelayo zesilinganiso sezilinganiso zemalimboleko yezimoto: Kuhle kakhulu (750 – 850): 4.93% kokusha, amaphesenti angu-5.18 asetshenzisiwe, amaphesenti angu-4.36 okuthola kabusha imali. Okuhle (700 – 749): amaphesenti angu-5.06 kokusha, amaphesenti angu-5.31 asetshenzisiwe, amaphesenti angu-5.06 okuthola kabusha imali.
Ingabe i-$500 ngoba inkokhelo inkulu kakhulu? I-$500 ngoba inkokhelo injalo cishe ngokwesilinganiso manje. Umqondo "wokuningi" uzoncika kumholo wakho nezindleko zokuphila, izindleko zakho zomshuwalense, nezinye izinto zesabelomali.
Ukwengeza Ibiza malini imoto engu-30000 ngenyanga? Ngemoto engu-$30,000, cishe $ 600 ngenyanga.
Iyini isilinganiso senzalo emalini ebolekiwe yemoto enamaphuzu angama-750 wesikweletu? Isilinganiso Sezilinganiso Zokubolekwa Okuzenzakalelayo Kwekhredithi Enhle Kakhulu
Amaphuzu esikweletu | Imali Entsha Yemoto | Imalimboleko Yemoto Esetshenzisiwe |
---|---|---|
I-750 noma ngaphezulu | 6.12% | 6.37% |
-Nov 12, 2021
Ingakanani inzalo emaphakathi emalimboleko yemoto enamaphuzu angama-700 esikweletu?
Abantu abanamaphuzu amahle esikweletu angu-700–749 isilinganiso senani lenzalo U-5.07% wemoto entsha kanye no-5.32% wemoto esetshenzisiwe.
Kufanele ube yini amaphuzu akho esikweletu ukuze uthenge imoto? Yisiphi Isilinganiso Esiphansi Esidingekayo Ukuze Uthenge Imoto? Ngokuvamile, ababolekisi babheka ababoleki ebangeni eliphambili noma okungcono, ngakho uzodinga amaphuzu ka-661 noma ngaphezulu ukuze ufanelekele ukubolekwa izimoto eziningi ezijwayelekile.
Ngingakwazi ukukhokhela malini ngeholo lika-50k? Kunokuba abheke izindleko zokuhamba zanyanga zonke, uDave utusa ukuthenga izimoto ezingabizi ngaphezu kuka-50% weholo lakho lonyaka. Ngakho-ke uma wenza u-$50,000 ngonyaka, wena akufanele usebenzise imali engaphezu kuka-$25,000 okwemoto (izimoto).
Ithini inkokhelo enhle yanyanga zonke yemoto?
Iyini isilinganiso senkokhelo yemoto? Kusukela ngo-2021, isilinganiso senkokhelo yanyanga zonke yemoto e-US sinjalo $575 izimoto ezintsha kanye no-$430 wezimoto ezisetshenzisiwe.
Futhi Yini ebhekwa njengenkokhelo yemoto ephezulu? Ngokusho kochwepheshe, inkokhelo yemoto iphezulu kakhulu uma inkokhelo yemoto ikhona ngaphezu kuka-30% wesamba sakho semali engenayo. Khumbula, inkokhelo yemoto akuyona ukuphela kwezindleko zemoto yakho! Qiniseka ukuthi ucabangela izindleko zikaphethiloli nezokulungisa. Qiniseka ukuthi inkokhelo yemoto yakho ayidluli u-15% -20% wesamba semali engenayo yakho.
Ingabe i-4000 iyinkokhelo enhle yemoto?
Uma uthenga imoto engama- $ 30,000 bese wenza inkokhelo engu-10%, imali ekhokhwayo izoba ngu- $ 3,000 ngesikhathi sokuthengisa. … Njengomthetho ojwayelekile, lwela uku hhayi ngaphansi kuka-20% phansi, ikakhulukazi ezimotweni ezintsha - futhi ezingekho ngaphansi kuka-10% phansi ezimotweni ezisetshenzisiwe - ukuze ungagcini ukhokha kakhulu inzalo nezindleko zezimali.
Iyiphi indlela engcono kakhulu yokuxoxisana ngentengo yemoto? Amathiphu angu-6 Wokuxoxisana Ngenani Lemoto
- Yenza Ucwaningo Lwakho Kuqala. Ngaphambi kokuya endaweni ethengisa izimoto, yenza umsebenzi wakho wesikole. …
- Yazi Ongakukhokhela. …
- Sebenzisa Izindleko Zomthengisi. …
- Yazi Ivelu Yakho Yokuhweba. …
- Kulungile Ukuhamba. …
- Izimali Zokuxoxisana Encwadini Yamaphepha.
Yimalini eningi kakhulu ekukhokhweni kwemoto yanyanga zonke?
Isamba senkokhelo yakho yanyanga zonke yemoto (inzalo, uthishanhloko, intela yokuthengisa, nomshwalense) kufanele ungadluli ku-10% wesamba sakho semali engenayo yanyanga zonke. Lolu uhlobo lwenguqulo eyimbudumbudu eyengeziwe yomthetho ongu-35%. Umthetho wama-35% (noma ngaphansi) ukunika isabelomali esijwayelekile ukuze uxhume kuzihlungi zosesho ku-Carmax, Edmunds, njll.
Ingabe u-5.9 uyinzalo enhle yemoto?
Ingakanani imali ongayonga emotweni enamaphuzu angcono esikweletu. … Isilinganiso senani lemali ebolekiwe yemoto entsha yabashayeli be-superprime ngu-$29,620, ngokusho kwe-Experian, ngakho ungase ufaneleke ukuthola isilinganiso esihle (noma sokuqala) 5.9% sinemalimboleko engu-$29,620 ekhokhelwe phakathi nezinyanga ezingama-60.
Iliphi inani lenzalo engingalithola ngesikolodo sesikweletu esingu-630? Ikhredithi Efanelekile (630-689): ~18 – 22% Izinga Lenzalo. Ikhredithi Enhle (690-719): ~14 – 18% Isilinganiso Senzalo. Ikhredithi Enhle Kakhulu (720+): ~10 – 14% Isilinganiso Senzalo.
Ingabe i-756 isikweletu esihle? I-FICO yakho® Umphumela uwela phakathi kwebanga, ukusuka ku-740 ukuya ku-799, elingathathwa ngokuthi Kuhle Kakhulu. AT 756 FICO® Umphumela ungaphezu kwesilinganiso sesikolo sekhredithi. Ababoleki abanezikolo kububanzi Okuhle Kakhulu ngokuvamile bafaneleka ukuthola izilinganiso zenzalo ezingcono zababolekisi kanye nezaphulelo zomkhiqizo.
Ngabe ama-640 amaphuzu amahle okuthenga ngesikweletu?
Amaphuzu esikweletu angaba ngu-640 kuya I-649 ithathwa njengekhredithi efanelekile. Amaphuzu akho angaphansi kwesilinganiso sikazwelonke esingu-710, kodwa awekho kububanzi “abampofu”. Uzofaneleka ukuthola noma iyiphi imalimboleko yemoto entsha, esetshenzisiwe, noma yokubuyisela kabusha emakethe, kodwa ngeke uthole izilinganiso zenzalo ezihamba phambili.
Yini okungafanele uyisho kumthengisi wezimoto? Izinto Eziyi-10 Ongafanele Uzisho Kumthengisi Wezimoto
- “Ngiyithanda ngempela le moto”…
- “Angazi kangako ngezimoto”…
- “Ukuhweba kwami kungaphandle”…
- "Angifuni ukuyiswa kubahlanzayo"…
- “Isikweletu sami asisihle kangako”…
- “Ngikhokha imali”…
- “Ngidinga ukuthenga imoto namhlanje”…
- "Ngidinga inkokhelo yanyanga zonke engaphansi kwama- $ 350"
Iluphi usuku lweviki olungcono kakhulu lokuthenga imoto?
UMsombuluko kungaba usuku olungcono kakhulu lwesonto lokuthenga imoto entsha; abanye abangase babe abathengi bavame ukuba semsebenzini, ngakho abamele izindawo ezithengisa izimoto bagxile kunoma ubani ongena emnyango.
Imaphi amaphuzu e-FICO asetshenziswa abathengisi bezimoto? Iningi lababolekisi bezimoto bayasebenzisa I-FICO AutoScore 8, njengesande kakhulu, noma i-FICO Auto Score 9. Eyakamuva kakhulu futhi esetshenziswa yiwo womathathu ama-bureau. I-FICO Auto Score isuka ku-250 iye ku-900, okusho ukuthi isikolo sakho se-FICO sizohluka kune-FICO Auto Score yakho.
Imuphi umholo owudingayo ukuze uthenge imoto eyi-40k?
Ngaphandle kwezinye izikweletu, ungakwazi ukukhokhela imoto engu-$40k imali engenayo yonyaka engu-$12,000. Kodwa uma unazo ezinye izikweletu (okungukuthi, inkosikazi nezingane kanye nemali mboleko yendlu kanye nemali mboleko yabafundi) cabanga ngezikweletu zakho bese unquma ukuthi ungakwazi yini ukukhokhela imoto entsha.
Uthini umthetho wesabelomali sika-50 30 20? Uyini umthetho we-50-20-30? Umthetho we-50-20-30 uyindlela yokuphatha imali ehlukanisa inkokhelo yakho ngezigaba ezintathu: U-50% wezinto ezibalulekile, u-20% wokonga kanye no-30% wakho konke okunye.
Umuntu waseMelika ojwayelekile uyikhokhela malini imoto?
Ngo-2021, imoto evamile ibiza u-$42,258 nge- isilinganiso sokukhokha esingu-$563 ngenyanga, ngokusho kwedatha evela ku-Kelley Blue Book kanye ne-LendingTree. Nokho, ngale kwenani lesitika nezinkokhelo, kunezindleko zegesi, umshwalense, izinguquko zikawoyela nezinye izindleko abanikazi bezimoto okudingeka bazicabangele.