Iimpawu eziBhetele zeMoto eziKharityhulam
Akukho mntu ufuna ukuxelela ukuba iimoto ezintsha zibiza. Ngoko ke isondlo kunye nokulungiswa. Le amakhadi enkredithi anokukunceda ufumane amaphupha ekuthengeni okanye ekuqeshweni kwesithuthi esitsha okanye ukuhlawula inkonzo, iinxalenye kunye nezixhobo kwi-auto dealerships.
01 IMG Flexible Revenue Card
Ufumana isaphulelo esivulekileyo se-3% kuzo zonke izinto ezithengiweyo, kungekhona nje ezo zinto kumthengisi, ezingasetyenziselwa ukuthenga okanye ukuqeshisa imoto entsha yeGM.
Kodwa ukuba kamva utshintshe ingqondo yakho kwaye unqume ukuba ungathengi imoto yeGM, unakho ukhetho lokuhlawulela umvuzo wakho wemali. Ukuba ukhetha imali, umvuzo wakho wehlisiwe ube yi-1%, kwaye kufuneka ufumane ubuncinci be-$ 100 kwimbuyekezo ngaphambi kokuba ukhulule.
Akukho myinge kwimali yemivuzo onokuyifumana kuyo nayiphi na unyaka onikeziweyo, kwaye umvuzo weerola awupheli iminyaka eyisixhenxe.
Kukhona imingcele kwimali yemivuzo onokuyihlawulela, kwaye iyahluka ngokwenza nokwenza imodeli imoto oyifunayo. Zonke iimpawu zeGM ziyakulungeleka, kubandakanywa neCadillac, nangona ingekho imodeli yonke ifanelekileyo.
02 Izabelo zeToyota zeVisa
Ufumana amanqaku amahlanu kuwo wonke ama dollar ochitha kwiiToyota zokuthengisa, kunye nendawo enye nge dollar yonke indawo. Amaphuzu afaneleka ipenki, ngoko ke amaphuzu ayi-10,000 axabisa i-$ 100.
Amaphuzu angahlawulelwa ngenkonzo, iinxalenye kunye nezinto eziphathekayo kwiiTotto zokuthengisa, ukuqeshisa kwiToyota Rent Car, kunye nokuthengwa okanye ukuqeshiswa kweToyota entsha okanye "eqinisekisiwe esetyenziswayo".
Unako ukukhupha amanqaku amaninzi njengoko uthanda, kodwa inani lamaphuzu ongawafumana lifakwe kwi-points: Kufika kuma-200,000 amaphuzu ngonyaka xa kuthengwe ukuthengwa kwabathengisi beToyota kunye nabalinganiselwa kuma-5,000 amanqaku ngaphandle kobuthengisi.
Unokukunceda ilungu lentsapho okanye umhlobo uthenge imoto entsha; kufuneka ube khona ngokuthengiselana.
Amanqaku angasetyenziswayo aphelelwa emva kweminyaka emihlanu kwimiba mibini.
03 Lexus Pursuits Platinum Visa
Imiphumo eyisiseko ilungile kule khadi kunekhadi leToyota. Uzuza amanqaku amahlanu kwidola ngalinye ochithayo kwi-Lexus dealership, 1.5 amanqaku nge dollar kuzo zonke ezinye izinto zokuthenga.
Amaphuzu angakhululwa ngenkonzo, iinxalenye kunye nezixhobo kwii-dealers zeLexus kunye nezitsha - kodwa ezingasetyenzisiweyo - izithuthi. Unako ukuhlawulela amaphuzu kuphela kwi-10% yentengo yesithuthi.
Ukuba usebenzisa ikhadi ukuhlawula bonke okanye inxalenye yemoto entsha, inani lamaphupha ongafumanayo lifakwe kwi-50,000 nganye nayiphi na into yokuthenga. Ngaphandle komthengisi, unokufumana ama-7,500 ngamaphupha ngenyanga.
Amaphuzu awadluliswanga, ngoko awukwazi ukusebenzisa amaphuzu akho ukunceda ilungu losapho okanye umhlobo uthenge imoto entsha.
Kukho inkqubo yokufumana umvuzo wokuzikhethela obiza i-$ 60 ngonyaka.
04 Chrysler MasterCard
Ufumana amanqaku amathathu nge dollar ekuthengeni okufanelekileyo ekuthengisweni kweCrysler Group. Ufumana amanqaku amabini nge dollar ekuthengeni ukuhamba okufanelekileyo, kunye nepotra enye nge dollar kuyo yonke enye imali. Akukho mda kwiingongoma onokuzifumana.
Ingxaki kukuba ayichazwanga ukuba yintoni ekubhekiselele kuyo "ukufaneleka." Umzekelo, akucaci ukuba ufumana amaphupha ukuba usebenzisa ikhadi ukuthenga isithuthi esitsha se-Chrysler kwaye uhlawule yonke into okanye inxalenye yalo nekhadi - ngoko uhlawula iinqonga kwiinqwelo ezilandelayo.
Ungasebenzisa amaphupha akho ukuthenga amathayi amatsha, izaphulelo kwienkonzo kunye neengxenye, kunye nokutshintsha kweoli, okanye ukuthenga okanye ukuqeshisa imoto entsha ye-Chrysler okanye ye-Fiat. Unokuzikhulula kwakhona ngamakhadi wesipho kunye nemali.
05 BMW Platinum Visa Card
I-BMW inegama elihle kakhulu lokwenza imoto, kodwa ikhadi layo lesikweletu liphantsi.
Ufumana enye ingongoma kwiedola ezimbini ekuthengeni, amaphuzu aphindwe kabini kwi-petroli. Amaphuzu asebenza kwipenki enye, oko kuthetha ukuba ufumana i-0.5 kuphela ekuthengeni kwakho kwansuku zonke, ungabalali igesi.
Unako ukuhlawulela amaphuzu akho ukuya kwii-5000 zama-dollar kwiqeshiso okanye mboleko, engeza iikhilomitha kwindawo yokuqeshisa okanye uhlawule imali yokugqithisa kunye nokusetyenziswa kweendleko. Okanye sebenzise ukuhlawula inkonzo kunye nendawo.
Kukho inkqubo yokufumana umvuzo wokuzikhethela apho ufumana iholo ngalinye idola oyichithayo, okanye kabini imali oyifumanayo kunye nenkqubo eqhelekileyo. Nangona kunjalo, kukho imali engama-50 yonyaka.
Ikhadi inexabiso eliphantsi kakhulu lentengo: ngokuphantsi kwe-7.24%. Ngoko uya kufuna i-credit ekhethekileyo ukuze uyifumane.