Kuronga kutenga motokari itsva?
Chinhu chekutanga chaunofanirwa kutarisa ndicho chikwereti chako. Usati wasarudza mota, ronga maEMIs ako uye gadzirira bhajeti yako yaunoda kuziva kana uchizotora chikwereti kana kwete.
Chikwereti chechikwereti ndicho chinonyanya kukosha chinhu chinotariswa nemabhangi kana achibvumidza chikwereti. Kunyanya zvikwereti zvemotokari uye zvikumbiro zvekadhi rechikwereti.
Zvichienderana nechikwereti chako, mubereko wako unotsanangurwa zvakare. Iwe unogona kuchengetedza mari yakanaka nekufamba kwenguva uine yakakwira kiredhiti mamakisi.
Chikwereti chekwereti chiri pakati pe300-850. Kana ukakumbira chikwereti chemotokari, mari shoma yechikwereti kuti uwane mvumo i730. Zvisineyi, unogona kuwana mubereko wepamusoro kupfuura wenguva dzose.
Kana zvibodzwa zvako zviri 750 kana pamusoro, mukana wekuti iwe uchawana mvumo nekukasira kusvika pa90% yemutengo wekare wemba yemotokari yaunosarudza.
Zviri nani ndingati iwe unofanirwa kuve nechikwereti mamaki mazana manomwe nemakumi mashanu senge maCA mazhinji uye nyanzvi dzezvemari.
Asi kubva muruzivo rwangu pachangu, ndakatora chikwereti chemota chine mamakisi makumi manomwe nemakumi matatu.
Mwedzi mishoma kumashure ndakatenga mota yangu yekutanga - Hyundai Venue SX. Sezvo ndakanga ndichiri kuyaruka, ndakanga ndisina nhoroondo yechikwereti chegore rose.
Pane kudaro, ndaive nemwedzi 7 yenhoroondo yekutengeserana kadhi rechikwereti kuti nditsigire chikumbiro changu chechikwereti.
Ndakaita zvikanganiso zvishoma zvekusabhadhara kadhi rechikwereti panguva - ndakafunga kuti ndakanga ndabudirira kugadzirisa auto-debit feature uye bhiri raizobhadharwa pasina kubatanidzwa kwangu.
Zvakanga zvisina kudaro. Ndakapedzisira ndashaya mari mbiri uye chikwereti changu chakadzika kusvika pa2.
Ndichiri kuwana chikwereti changu chakabvumidzwa neICICI bank.
Zvandakadzidza mukuita izvi zvaive zvidzidzo zvikuru zvitatu:
- Gara uchivavarira chibodzwa chechikwereti che750 uye pamusoro
- Gara uine magwaro akagadziridzwa emari
- Usapotsa kubhadhara pamwedzi pamakadhi echikwereti uye zvikwereti
Kunyangwe zvichikwanisika kuwana chikwereti chemotokari pa730 chibodzwa chechikwereti, unofanirwa kuedza kuivandudza uye kuitora pamusoro pe 750. Ndicho chibodzwa chakanaka kuti uve mutengi wemari ane hunhu mumeso emasangano ezvemari.
Chero zvibodzwa zviri pasi pe750 zvinoonekwa sezvisina kunaka zvine mwero.
Zvinoreva zvakananga kuti wakapotsa mubhadharo, wakabhadhariswa faindi yekunonoka kubhadhara kana kutadza. Izvo zvese zvinokuomera iwe semabhangi ane mukurumbira kudzinga chero application nekusarudzika kana kupotsa kubhadhara mumarepoti avo echikwereti.
Iwo akanakisa mabhangi emuIndia kuti awane kukurumidza kubvumidzwa kwechikwereti chemotokari aine hushoma hwechikwereti mamaki mazana manomwe nemakumi matatu ndeye HDFC, ICICI uye IndusInd mabhangi.
Ndinovimba wawana mhinduro kumubvunzo wako. Nhanho inotevera ndeyekunyorera chikwereti chemotokari neinosvika makumi maviri muzana emari yekubhadhara iri muruoko. Kana chikwereti chako chiri pamusoro pe20, iwe uchawana 750% yeex-showroom mutengo wemotokari.
Ita shuwa kuti unochengetedza inokwana 20% yemutengo wemotokari kuvhara inishuwarenzi, mutero uye zvimwe zvisingatarisirwe mitengo inogona kuitika.
Pane mibvunzo here? Ndizivisei nekusiya mhinduro pazasi.
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