Kalkuleta Lamunin Mota
Kirga biyan bashin mota, kudin ruwa, da jimillar kudin mota ciki har da haraji da kudade
Yadda Ake Amfani da Kalkuletan Lamunin Mota
- Shigar da farashin mota (MSRP ko farashin da aka yi ciniki)
- Kara adadin kudin farko don rage adadin lamuni
- Hada da darajar musaya idan kana musanya motarka ta yanzu
- Shigar da ribar (APR) da mai ba da lamuni ya bayar
- Zabi tsawon lokacin lamuni - yawancin lamunin mota na shekaru 3-7 ne
- Zabi yawan biyan kudi (biyan wata-wata ya fi yawa)
- Kara harajin siyarwa na jiharka/yankinka
- Hada da karin kudade kamar na takardu, karin garanti, da sauransu.
- Duba rabe-raben da ke nuna jimillar kudi da biyan wata-wata
Fahimtar Lamunin Mota
Lamunin mota wani nau'in lamuni ne mai jingina inda motar ke zama jinginar. Wannan yakan haifar da ƙananan ribobi idan aka kwatanta da lamunin da ba su da jingina. Adadin lamunin shine farashin motar tare da haraji da kudade, aka cire kudin farko da darajar musaya.
Daidaiton Biyan Lamunin Mota
M = P × [r(1+r)^n] / [(1+r)^n - 1]
Inda M = Biyan Wata-wata, P = Asalin Kudin Lamuni (adadin lamuni bayan kudin farko da musaya), r = Ribar wata-wata (APR ÷ 12), n = Jimillar adadin biyan kudi
Zabukan Samun Kudin Mota
Kudi daga Dillali
Samun kudi mai sauki kai tsaye daga dillalin mota, sau da yawa tare da ribobi na musamman ga masu saye da suka cancanta.
Best For: Amincewa da sauri da kuma yuwuwar samun rangwame daga kamfani
Rate Range: 0% - 12%
Lamunin Mota na Banki
Lamunin banki na gargajiya tare da ribobi masu gasa ga abokan ciniki da ke da kyakkyawar alakar bashi.
Best For: Tabbacin abokan cinikin banki da ke da tarihin bashi mai kyau
Rate Range: 3% - 8%
Lamunin Kungiyoyin Bashi
Cibiyoyin da membobinsu suka mallaka waɗanda galibi suke ba da ƙananan ribobi da sharuɗɗa masu sassauci.
Best For: Membobin kungiyoyin bashi da ke neman mafi kyawun ribobi
Rate Range: 2.5% - 7%
Masu Ba da Lamuni na Yanar Gizo
Masu ba da lamuni na dijital da ke da tsarin amincewa da sauri da ribobi masu gasa.
Best For: Aikace-aikacen yanar gizo mai sauki da samun kudi da sauri
Rate Range: 3.5% - 15%
Lamunin Mota da Yarjejeniya: Wanne ya fi dacewa da kai?
Sayen da Lamunin Mota
Kana mallakar motar gaba daya bayan ka biya bashin. Kana gina dukiya kuma ba ka da iyakokin tafiya.
Pros:
- Build equity and own an asset
- No mileage restrictions
- Freedom to modify the vehicle
- No wear-and-tear charges
- Can sell anytime
Yarjejeniya
Kana biyan kuɗin raguwar darajar motar a lokacin yarjejeniyar. Biyan kuɗi na wata-wata ya yi ƙasa amma ba ka mallaki motar ba.
Pros:
- Lower monthly payments
- Always drive newer vehicles
- Warranty typically covers repairs
- Lower or no down payment
- Option to walk away at lease end
Gaskiya & Kididdiga kan Lamunin Mota
Matsakaicin Tsawon Lokacin Lamunin Mota
Matsakaicin tsawon lokacin lamunin mota ya ƙaru zuwa watanni 69, inda da yawa ke tsawaitawa zuwa watanni 72-84 don rage biyan kuɗi na wata-wata.
Ribobin Sabbin Mota da Tsofaffin Mota
Lamunin sabbin motoci yakan ba da ribobi 1-3% ƙasa da na tsofaffin motoci saboda ƙarancin haɗari da rangwame daga kamfanoni.
Tasirin Makin Bashi
Makin bashi na 720+ na iya cece ka $2,000-$5,000 a riba idan aka kwatanta da makin bashi na 620 a kan lamunin mota na yau da kullun.
Amfanin Kudin Farko
Kudin farko na 20% yana kawar da haɗarin kasancewa 'a baya' a kan lamuninka kuma yana iya inganta ribarka.
Jimillar Kudin Mallaka
Biyan kuɗi na wata-wata wani ɓangare ne kawai na kuɗin. Yi la'akari da inshora, gyara, man fetur, da raguwar daraja don ainihin kuɗin.
Shawara don Ajiye Kudi a Lamunin Mota
Yi Bincike kan Ribobi Kafin Neman Mota
Samu amincewa kafin ka nemi lamuni don sanin kasafin kuɗinka da samun ikon yin ciniki a wurin dillali.
Yi La'akari da Tsofaffin Motoci Masu Tabbaci
Motocin CPO suna ba da kariya ta garanti a farashi mai rahusa, tare da ribobin lamuni kusa da na sabbin motoci.
Yi Ciniki a kan Jimillar Farashi
Mayar da hankali kan jimillar farashin motar, ba biyan kuɗi na wata-wata ba. Dillalai na iya sarrafa biyan kuɗi ta hanyar tsawaita lokacin lamuni.
Guji Karin Garanti
Yawancin karin garanti suna da tsada sosai. Ajiye kuɗi don gyara maimakon biyan kuɗin garanti.
Yi Karin Biyan Asalin Kudin Lamuni
Ko da ƙananan ƙarin biyan kuɗi na asalin lamuni na iya cece ka daruruwan daloli a riba kuma ya rage tsawon lokacin lamuni.
Sake Lamuni Lokacin da Ribobi Suka Sauka
Idan ribobi suka sauka ko bashinka ya inganta, sake lamuni na iya rage biyan kuɗinka da jimillar ribar da za ka biya.
Tasirin Makin Bashi a kan Lamunin Mota
Makin bashinka yana da tasiri sosai a kan ribar lamunin motarka da sharuɗɗansa. Makin da ya fi girma yana buɗe mafi kyawun ribobi da sharuɗɗan lamuni masu fa'ida.
781-850
Rating: Mafi Inganci
Rate: 2.4% - 4.5%
Kyakkyawan bashi yana ba ka damar samun mafi kyawun ribobi da sharuɗɗa da ake samu, ciki har da lamuni na musamman na 0%.
661-780
Rating: Inganci
Rate: 3.5% - 6.5%
Makin bashi mai kyau yana samun ribobi masu gasa daga yawancin masu ba da lamuni tare da sharuɗɗa masu fa'ida.
601-660
Rating: Kusa da Inganci
Rate: 6.0% - 10%
Matsakaicin bashi na iya buƙatar babban kuɗin farko amma har yanzu yana iya samun ribobi masu ma'ana.
501-600
Rating: Kasa da Inganci
Rate: 10% - 16%
Makin bashi mai ƙasa yana fuskantar ribobi masu yawa kuma yana iya buƙatar wanda zai tsaya masa ko babban kuɗin farko.
300-500
Rating: Mafi Kasa da Inganci
Rate: 14% - 20%+
Makin bashi mai ƙasa sosai yana buƙatar masu ba da lamuni na musamman kuma zai sami ribobi mafi girma da sharuɗɗa mafi tsauri.
Tambayoyi da Amsoshi kan Lamunin Mota
Wane makin bashi nake buƙata don lamunin mota?
Kuna iya samun lamunin mota da maki har zuwa 500, amma ribobi suna inganta sosai sama da 660. Makin 720+ yana ba ka damar samun mafi kyawun ribobi da sharuɗɗa.
Ya kamata in sami lamuni daga dillali ko bankina?
Kwatanta zabukan biyu. Dillalai na iya ba da ribobi na musamman ko sauƙi, yayin da bankuna/kungiyoyin bashi galibi suna da ribobi masu gasa ga abokan cinikinsu.
Nawa ya kamata in biya a matsayin kuɗin farko na mota?
Yi niyyar biyan kashi 10-20% na kuɗin farko. Wannan yana rage adadin lamuninka, kuɗin riba, kuma yana taimakawa wajen guje wa kasancewa a baya a kan lamuni tun daga ranar farko.
Wane ne tsawon lokacin lamunin mota mafi dacewa?
Shekaru 3-5 galibi shine mafi kyau, yana daidaita biyan kuɗi masu sauƙi da jimillar ribar da ta dace. Guji lokutan da suka wuce shekaru 6 idan ya yiwu.
Zan iya biyan lamunina na mota da wuri?
Yawancin lamunin mota ba su da hukuncin biyan kuɗi da wuri, don haka za ka iya biya da wuri don ajiye riba. Duba yarjejeniyar lamuninka don tabbatarwa.
Menene banbanci tsakanin APR da ribar lamuni?
Ribar lamuni shine kuɗin aro. APR ya haɗa da ribar lamuni da kudade, yana ba ka ainihin kuɗin da za ka kwatanta.
Ya kamata in yi musaya da motata ko in sayar da ita da kaina?
Sayarwa da kanka galibi tana kawo ƙarin kuɗi, amma musaya tana da sauƙi kuma tana iya rage harajin siyarwa. Kwatanta bambancin bayan ka yi la'akari da lokaci da ƙoƙari.
Me zai faru idan ba zan iya biyan kuɗin motata ba?
Tuntuɓi mai ba da lamuninka nan da nan. Zabukan na iya haɗawa da jinkirta biyan kuɗi, gyara lamuni, ko miƙa kai da son rai. Guji kwace motar idan ya yiwu.
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