Auto Refinance Calculator – Forbes Advisor

Zolemba mkonzi: Timalandira ndalama kuchokera ku maulalo a anzathu pa Forbes Advisor. Magulu sasintha malingaliro a akonzi kapena mavoti.

Ngati mutenga ngongole yagalimoto kuti mugule galimoto yanu, mutha kuganiziranso za refinancing. Refinancing ingakuthandizeni kupeza chiwongola dzanja chabwino kuti mupulumutse ndalama kapena kulipira ngongole yanu mwachangu pochepetsa nthawi yobweza. Gwiritsani ntchito makina owerengetsera ndalama kuti muwone ngati ino ndi nthawi yoyenera kuti muwonjezere ndalama komanso kuchuluka kwa ndalama zomwe mungasunge.

Momwe mungagwiritsire ntchito Calculator ya Auto Refinance

Choyamba muyenera kuyika ndalama zomwe zabwerekedwa, chiwongola dzanja, ndi kuchuluka kwa miyezi yomwe yatsala pa ngongoleyo. Kenako, muyenera kuyika ndalama zonse zomwe mukufuna kubwezanso komanso kuchuluka kwa miyezi. Mukhozanso kulingalira mtengo wa refinancing malinga ndi mlingo womwe ukhoza kuvomerezedwa kapena kusankha mlingo wokhazikika kuti mupeze lingaliro.

Zotsatira za calculator zimakupatsani chiwongolero chamalipiro anu pamwezi ndi zomwe mudzalipire chiwongola dzanja ngati mubweza ngongole yanu yagalimoto yomwe ilipo. Kumbukirani kuti zotsatira zenizeni zimachokera ku zinthu monga mtundu wa galimoto yomwe mukubweza ndalama, wobwereketsa, ndi mbiri yanu yazachuma.

Zomwe muyenera kugwiritsa ntchito chowerengera ichi

Kuti muyambe, muyenera kusonkhanitsa mfundo zotsatirazi kwa chowerengera kuti muwone ngati kubweza ngongole yagalimoto yanu ndiyo njira yabwino kwambiri yochitira.

Zambiri zangongole zanu

  • Ngongole: Izi ndi ndalama zonse zomwe munabwereka kwa wobwereketsa woyamba.
  • Chiwongola dzanja Chamakono: Chiwongola dzanja pa ngongole yanu yamakono.
  • Nthawi Yangongole Yapano: Nthawi kapena nthawi yobweza ngongole yagalimoto yanu m’miyezi yonse.
  • Ngongole yakali pano: Izi ndi ndalama zomwe mudakali nazo pa ngongole yanu yagalimoto.
  • Miyezi Yotsala Pa Ngongole Yapano: Nthawi yomwe yatsala kuti ngongole yamagalimoto ikwane.

Zambiri zangongole

  • Ndalama Yobwereketsa Ngongole: Izi ndi ndalama zomwe mukufuna kubwereka kuti mulipire ngongole yanu yagalimoto yomwe ilipo.
  • Nthawi Yangongole Yatsopano: Ngati cholinga chanu ndikubweza ngongole yagalimoto yanu yatsopano mwachangu, lowetsani miyezi yocheperapo kuposa yomwe mwatsala pa ngongole yanu. Zitanthauzanso kuti mumalipira chiwongola dzanja chochepa. Ngati mukufuna kuchepetsa malipiro a galimoto yanu pamwezi, mukhoza kuwonjezera ngongole kwa miyezi yambiri, koma mudzalipira chiwongoladzanja chochuluka pa moyo wa ngongoleyo.
  • Chiwongola dzanja chatsopano: Kutengera mbiri yanu yangongole, ndipo ngati zakhala bwino kuyambira pomwe ngongole yanu yoyamba idavomerezedwa, mutha kukhala oyenerera chiwongola dzanja chochepa.

Kodi auto refinance ndi chiyani?

Mukasankha kubweza ngongole yagalimoto yanu, mumafunsira ngongole yatsopano ndi mawu osiyanasiyana omwe alowa m’malo mwa ngongole yanu yoyambirira. Chifukwa chake mukusintha ngongole yanu yakale ndikuyika yatsopano ndi magawo otsika pamwezi kapena mtengo wabwinoko. Izi zingakuthandizeni kumasula ndalama pamwezi pamwezi kapena kuyika ndalama zambiri m’thumba lanu pakapita nthawi.

Momwe mungakulitsirenso ngongole yamagalimoto anu

Nawa njira zoyambira kuti mubwezerenso ngongole zamagalimoto anu:

1. Kukonzekera zolemba

Muyenera kupereka zambiri za galimoto yanu ndi ndalama zomwe muli nazo panopa, komanso zambiri zaumwini monga dzina lanu lovomerezeka, adiresi, nambala ya Social Security, ndi umboni wa inshuwalansi ya galimoto. Mungafunikirenso kupereka malisiti olipira posachedwa kapena ma W-2s kuti mutsimikizire wobwereketsa kuti mutha kulipira mwezi uliwonse.

2. Sankhani refinancing wobwereketsa

Mutha kusankha kubwezanso ndi wobwereketsa yemwe alipo kapena kugula ndi obwereketsa osiyanasiyana kuti mufananize chindapusa, chiwongola dzanja ndi zotsatsa zapadera. Nthawi zambiri mutha kupezerapo mwayi pazopereka zosiyanasiyana zomwe mumalandira kuti mupeze ndalama zabwino kwambiri komanso mawu kuchokera kwa wobwereketsa yemwe mumakonda.

Mitu Yofananira: Obwereketsa Abwino Kwambiri Kubweza Ngongole Zagalimoto

3. Ikani

Kubweza ngongole yagalimoto nthawi zambiri kumatenga nthawi yocheperako kuposa kubweza ngongole yanyumba, monga pasanathe milungu iwiri kuchokera koyambira mpaka kumapeto.

Wobwereketsa adziyesa yekha galimotoyo. Ngati mtengowo ndi wotsika kwambiri, simungayenerere. Wobwereketsa adzawerengeranso chiĆ”erengero cha galimoto ya ngongole-to-value (LTV), yomwe nthawi zambiri imayenera kukhala yosachepera 125% ya mtengo wa galimoto kuti ayenerere. Adzayang’aniranso cheke cha ngongole, komanso kuyang’ana ntchito yanu ndi ndalama zanu.

Ndikoyeneranso kudziwa kuti mukapempha kuti mubwereze ngongole ya galimoto, idzawonekera pa lipoti lanu la ngongole ngati funso lovuta. Kufunsa kwakukulu kumakhudza kuchuluka kwa ngongole yanu, chifukwa chake onetsetsani kuti mwapereka maoda onse mkati mwa masiku 14 mpaka 45 kuchokera wina ndi mnzake. Mwanjira iyi adzangotengedwa ngati funso limodzi.

4. Pezani chilolezo ndikumaliza ngongole

Mukavomerezedwa, yerekezerani zotsatsa zosiyanasiyana mosamala. Ngongole ya moyo wautali idzabwera ndi chiwongoladzanja chokwera komanso kutsika kwapamwezi. Ngongole yaifupi idzakhala ndi zosiyana: malipiro apamwamba pamwezi ndi chiwongoladzanja chochepa. Yang’anani pa bajeti yanu ndikuwona kuchuluka kwa ndalama zomwe mungathe kulipira mwezi uliwonse.

Mukasankha wobwereketsa, muyenera kusiya ngongole yagalimoto. Wobwereketsa watsopanoyo ali ndi udindo wobweza ngongoleyo kuchokera kwa wobwereketsa wakale, koma muyenera kuonetsetsa kuti ikudutsa bwino.

5. Pitirizani ndi malipiro anu

Mukamaliza kubwereketsa, ndikofunikira kuti musabwerere m’mbuyo pamalipiro anu angongole yagalimoto panthawi yotembenuza. Wobwereketsa woyamba akalipidwa ndi wobwereketsa watsopanoyo, wobwereketsayo ayenera kubwezanso ndalama zina zomwe munapanga pawindolo.

Mukalipira ngongole, mutha kuyamba kulipira kwa wobwereketsa watsopano. Lingalirani zokhazikitsa zolipirira zokha kuti musade nkhawa ndi kukumbukira tsiku loyenera.

Ndi liti pamene muyenera kubweza ngongole yagalimoto

Nazi zochitika zina zomwe refinancing imamveka:

  • Ngongole yanu yapita patsogolo. Mutha kulandira ngongole yabwino yagalimoto ngati ngongole yanu yakwera bwino kuyambira pomwe mudalandira ngongoleyo. Kapena mutha kubwezanso ndalama ndi wosayina yemwe ali ndi mbiri yolimba yangongole kuti muwongolere mwayi wanu wopeza ndalama zabwinoko.
  • Mukufuna malipiro ochepa pamwezi. Kubwezeranso ndalama zotsika mtengo kungakhale njira yabwino ngati mukuvutika kuti mubweze ngongole, ndipo mukusowa malo owonjezera mu bajeti yanu. Kumbukirani kuti ngati mutasankha nthawi yayitali kuti mupereke malipiro ochepa, mudzalipira chiwongoladzanja chochuluka pa moyo wa ngongole.
  • Chiwongola dzanja chatsika. Chifukwa china chobwezeranso ndalama ndi ngati muli ndi chiwongoladzanja chachikulu pa ngongole ya galimoto yanu yamakono ndipo chiwongoladzanja tsopano chatsika.

Pamene simuyenera refinance galimoto ngongole

Kumbali inayi, izi ndi zina mwazochitika zomwe kubwezeretsanso ndalama sikungakhale zomveka:

  • Muli ndi ngongole zochepa kapena zochulukirapo pagalimoto yanu yamakono. Simuyenera kubweza ngongole yanu yamagalimoto ngati muli ndi ndalama zochepa pa ngongole yanu yamagalimoto yomwe ilipo. Komanso sizingakhale zomveka kukonzanso ngati muli ndi ngongole ya galimoto yanu yamakono kuposa momwe mukufunira – zomwe zikutanthauza kuti muli ndi vuto loipa.
  • Muyenera kulipira chilango cholipiriratu. Silinso lingaliro labwino ngati wobwereketsa wanu wapano ali ndi chilango cholipiriratu mumgwirizano wanu wangongole zomwe zimawononga ndalama zambiri kuposa ndalama zomwe mungasungire.
  • Mukufunsira ngongole ina yayikulu. Sichabwino kubweza ngongole yagalimoto yanu ngati mukufunsira ngongole ina, monga ngongole yanyumba. Ngongole yanu ikhoza kukhudzidwa molakwika, zomwe zimapangitsa kuti zikhale zovuta kuti mutenge ngongoleyo, kapena mutha kukhala olemedwa ndi chiwongola dzanja chokwera.

Ndikofunika kukumbukira kuti mukatenga nthawi yayitali kuti mulipire ngongole yanu, m’pamenenso mudzayenera kulipira chiwongola dzanja chochuluka pakapita nthawi. Chifukwa chake gwiritsani ntchito Calculator ya Auto Refinance kuti mudziwe kuchuluka kwa ndalama zomwe zingakupulumutseni musanapange chisankho chomaliza.

Kodi kubwereketsa galimoto ndi lingaliro labwino?

Ndibwino kungobweza ngongole yagalimoto yanu ngati zotsatira zikuwonetsa kuti mudzasunga ndalama. Izi zitha kukhala pochepetsa mawu a ngongole kuti mutha kulipira ngongole yagalimoto yanu mwachangu ndikupewa kubweza chiwongola dzanja pakapita nthawi; Kapena potsitsa chiwongola dzanja chanu.

Obwereketsa ena amakupatsiraninso kuchotsera kapena zotsatsa zapadera kuti akukopeni kuti mubwezerenso ngongole zamagalimoto anu kudzera mwa iwo. Izi zimachitika kawirikawiri pamene banki ikuyesera kukopa makasitomala ambiri, monga kupereka chiwongoladzanja chochepa ngati mutakhazikitsa malipiro a mwezi uliwonse ndikutsegulanso akaunti yakubanki. Mutha kufananiza obwereketsa osiyanasiyana kuti muwone yemwe angapereke zabwino kwambiri.

Fananizani mitengo ndikusunga ngongole yagalimoto yanu

Pezani zobwereketsa zokwana 4 mumphindi pa myAutoloan.com.

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