Conas iasacht do charr a laghdĂș
Ăbhar
Is prĂłiseas fada Ă© Ăoc as iasacht cairr a Ă©ilĂonn ort fanacht tiomanta do do bhuisĂ©ad trĂ bhillĂ mĂosĂșla a Ăoc. Mar sin fĂ©in, uaireanta, cibĂ© an bhfuil sĂ© ag teacht ar airgead tirim breise chun ĂocaĂochtaĂ breise a dhĂ©anamh, d'iasacht reatha a athmhaoiniĂș, nĂł go simplĂ ag dĂ©anamh cinntĂ cliste maidir le hiasacht a fhĂĄil ar an gcĂ©ad dul sĂos, is fĂ©idir leat do chostais airgeadais a ghearradh go suntasach, i gcĂĄsanna ĂĄirithe go suntasach. Sula gcinnfidh tĂș conas dul ar aghaidh, plĂ©igh na roghanna atĂĄ ar fĂĄil le dâiasachtĂłir iasachtaĂ gluaisteĂĄn chun a chinntiĂș go bhfuil siad inmharthana.
Modh 1 de 3. Bain ĂșsĂĄid as rĂ©amhĂocaĂocht chun an iasacht a Ăoc go luath
Ăbhair Riachtanach
- ĂireamhĂĄn
- ComhaontĂș iasachta bailĂ
- peann agus påipéar
Ligeann aisĂoc luath duit an iasacht a Ăoc nĂos luaithe nĂĄ mar a comhaontaĂodh ar dtĂșs. DĂ©anann tĂș Ă© seo trĂ ĂocaĂochtaĂ breise a dhĂ©anamh ar bhonn mĂosĂșil le mĂ©id breise tiomnaithe d'ĂșsĂĄid an phrionsabail. Sula dtĂ©ann tĂș ar aghaidh, ĂĄfach, ba chĂłir duit a chinntiĂș go bhfuil an t-airgead breise agat chun an rĂ©amhĂocaĂocht a dhĂ©anamh agus go gceadaĂonn dâiasachtĂłir duit an rĂ©amhĂocaĂocht a ĂșsĂĄid le dâiasacht cairr.
- Feidhmeanna: Is Ă© an bealach is fearr chun an mĂ©id atĂĄ le haisĂoc agat a laghdĂș nĂĄ stair chreidmheasa mhaith a bheith agat fiĂș sula bhfaigheann tĂș iasacht. Ag brath ar cibĂ© an bhfuil do chreidmheas maith nĂł dĂreach measartha maith, is fĂ©idir le creidmheas difrĂocht de na mĂlte dollar a chiallaĂonn i gcostais airgeadais bhreise a bhaineann le rĂĄta Ășis nĂos airde.
CĂ©im 1: DĂ©an amach an bhfĂ©adfaĂ an iasacht a aisĂoc go luath. CĂ© go mbâfhĂ©idir nach mbeadh modhanna cosĂșil le hathmhaoiniĂș ar fĂĄil duit mar gheall ar do chreidmheas reatha, dâfhĂ©adfadh ĂocaĂocht mhĂosĂșil nĂos airde ligean duit do phrĂomhshuim a laghdĂș.
Is Ă© prionsabal an fachtĂłir cinntitheach is tĂĄbhachtaĂ chun an mĂ©id a Ăocfaidh tĂș thar shaolrĂ© na hiasachta a rĂomh. MĂĄ laghdaĂtear Ă© seo ar luas nĂos tapĂșla, ba cheart go laghdĂłdh sĂ© seo an mĂ©id atĂĄ agat.
- Rabhadh: Sula ndĂ©anann tĂș ĂocaĂocht sĂos ar d'iasacht cairr reatha, dĂ©an cinnte nach bhfuil aon phionĂłs ann as d'iasacht cairr a Ăoc go luath. Mura bhfuil tĂș cinnte faoi aon phionĂłis rĂ©amhĂocaĂochta a bhaineann go sonrach le dâiasacht, seiceĂĄil leis an iasachtĂłir chun tuilleadh eolais a fhĂĄil faoi dâiasacht cairr.
CĂ©im 2: DĂ©an tagairt d'ĂocaĂochtaĂ PrĂomhoide AmhĂĄin. Nuair a bheidh a fhios agat go ligeann dâiasachtĂłir duit dâiasacht cairr a Ăoc go luath gan phionĂłs, faigh amach cĂ©n prĂłiseas a ĂșsĂĄideann siad sula ndĂ©anann tĂș amhlaidh.
Go minic dĂĄ ngairtear ĂocaĂochtaĂ prĂomhoide amhĂĄin, bĂ cinnte a chur in iĂșl do chreidiĂșnaĂ cad chuige atĂĄ an t-airgead breise.
- AirdF: ĂilĂonn roinnt iasachtĂłirĂ ort fiĂș na hĂocaĂochtaĂ seo a dhĂ©anamh ar leithligh Ăł d'ĂocaĂocht mhĂosĂșil rialta.
CĂ©im 3: RĂomh dâĂocaĂocht mhĂosĂșil. Tar Ă©is duit athbhreithniĂș a dhĂ©anamh ar an bprĂłiseas a chaithfidh tĂș a leanĂșint chun dâiasacht a Ăoc go luath trĂ aisĂoc luath, faigh amach cĂ© mhĂ©id a bheidh ort a Ăoc gach mĂ le haghaidh aisĂoc luath.
Is fĂ©idir leat ĂĄireamhĂĄn a ĂșsĂĄid chun an mĂ©id seo a rĂomh, nĂł ĂĄireamhĂĄn ar lĂne a ĂșsĂĄid. I measc roinnt suĂomhanna a thairgeann ĂĄireamhĂĄin ĂocaĂochta iasachtaĂ gluaisteĂĄn saor in aisce tĂĄ Wells Fargo, Calxml. com, agus BancrĂĄta.
Modh 2 de 3: Faigh réidh leis an bhfear meånach
Nuair a bhĂonn carr ĂĄ cheannach agat, dĂ©an cinnte go seiceĂĄlann tĂș na roghanna go lĂ©ir atĂĄ ar fĂĄil roimh duit iasacht a fhĂĄil. CĂ© go bhfĂ©adfadh an dĂoltĂłireacht rogha ĂĄisiĂșil a sholĂĄthar agus tĂș ag iarraidh an t-airgead a theastaĂonn le haghaidh iasachta gluaisteĂĄn a fhĂĄil, is minic a fheidhmĂonn siad mar idirghabhĂĄlaĂ idir tĂș fĂ©in agus an t-iasachtĂłir iarbhĂr, ag cur tĂĄille seirbhĂse leis. Ina theannta sin, fĂ©adfaidh an gĂĄ atĂĄ le hiasacht bheag do chostais airgeadais a mhĂ©adĂș go suntasach de rĂ©ir mar a dhĂ©anann an t-iasachtĂłir iarracht leas a bhaint as an iasacht nĂos lĂș.
CĂ©im 1: BĂodh do scĂłr ar eolas agatF: Faigh amach do scĂłr creidmheasa sula ndĂ©anann tĂș iarratas ar iasacht cairr le hiasachtĂłir. TĂĄ sĂ© tĂĄbhachtach go mbeadh a fhios agat cĂ©n rĂĄta Ășis is fĂ©idir le do scĂłr creidmheasa ar leith a thuilleamh.
TĂĄ gach duine i dteideal tuairisc chreidmheasa in aisce Ăł cheann de thrĂ bhiĂșrĂł creidmheasa gach bliain. DĂ©an teagmhĂĄil le Experian, Equifax nĂł TransUnion chun cĂłip de do thuairisc a fhĂĄil. Is fĂ©idir leat cĂłip a fhĂĄil freisin Ăł shuĂomh GrĂ©asĂĄinTuarascĂĄilCreidmheasaBliantĂșil.
Nuair a bheidh do scór ar eolas agat, is féidir leat a fheiceåil conas a chruann sé:
Faoi bhun 550 tĂĄ drochscĂłr, beidh sĂ© deacair nĂł dodhĂ©anta iasacht cairr a fhĂĄil. Is dĂłcha go mbeidh rĂĄta Ășis an-ard mar thoradh ar mhaoiniĂș.
Idir 550 agus 680 faoi bhun an chaighdeĂĄin, mar sin nĂl sĂ© iontach, ach is cinnte gur fĂ©idir oibriĂș air.
Meastar go bhfuil scĂłir os cionn 680-700 mar "prĂomha" agus beidh rĂĄtaĂ Ășis nĂos fearr mar thoradh orthu. MĂĄ tĂĄ do scĂłr faoi bhun 680, ansin fĂ©adann ceannach freagrach gluaisteĂĄn agus ĂocaĂochtaĂ rialta do scĂłr a threisiĂș.
Aird: Nà dhéanfaidh déileålaithe gluaisteån do thuairisc chreidmheasa a sheiceåil, nà ardóidh siad ach do scór.
CĂ©im 2: DĂ©an iniĂșchadh ar na roghanna maoinithe Ă©agsĂșla atĂĄ ar fĂĄil duit. ĂirĂtear leis seo dul chuig banc nĂł institiĂșid airgeadais eile fĂ©achaint an fĂ©idir leis an mbanc cabhrĂș leat.
Go minic dĂ©antar Ă© seo a chinneadh ag cĂ© chomh maith agus atĂĄ do chreidmheas. TrĂ theagmhĂĄil dhĂreach a dhĂ©anamh le banc nĂł le comhar creidmheasa, is fĂ©idir leat go leor de na tĂĄillĂ idirghabhĂĄlaĂ a bhaineann le hiasacht a fhĂĄil Ăł dhĂoltĂłir a laghdĂș.
CĂ©im 3: Ăoc le hairgead tirim mĂĄs fĂ©idir leat. Mura bhfuil uait ach iasacht ar feadh cĂșpla mĂle dollar, is fearr fanacht mĂĄs fĂ©idir agus airgead tirim a Ăoc as an gcarr. TĂĄ formhĂłr na n-iasachtĂłirĂ ar an margadh chun mĂ©id beag a dhĂ©anamh de bhreis ar an mĂ©id a sholĂĄthraĂonn siad. Nuair a bhĂonn an mĂ©id beag i gcomparĂĄid, is gnĂĄch go ngearrfaidh an t-iasachtĂłir tĂĄillĂ airgeadais nĂos airde chun cĂșiteamh a dhĂ©anamh ar an mĂ©id is Ăsle.
- FeidhmeannaF: MĂĄ tĂĄ do scĂłr creidmheasa rĂł-Ăseal, ba cheart duit smaoineamh ar Ă© a fheabhsĂș sula bhfaigheann tĂș iasacht cairr. Ceann de na cĂ©imeanna is fĂ©idir leat a ghlacadh nĂĄ dul i dteagmhĂĄil le heagraĂocht chomhairleoireachta creidmheasa chun do chreidmheas a atĂłgĂĄil le himeacht ama. CabhrĂłidh an eagraĂocht leat le rudaĂ cosĂșil le buisĂ©adĂș agus an bealach is fearr chun dâfhiachas a Ăoc a chinneadh, cĂ© go ngearrann an chuid is mĂł acu tĂĄille as a gcuid seirbhĂsĂ.
Modh 3 de 3: DĂ©an d'iasacht a athmhaoiniĂș
SlĂ iontach eile chun mĂ©id na dtĂĄillĂ airgeadais a chaithfidh tĂș a Ăoc a laghdĂș nĂĄ dâiasacht cairr reatha a athmhaoiniĂș. Sula bhfaigheann tĂș iasacht tosaigh, dĂ©an cinnte go gceadaĂonn an t-iasachtĂłir athmhaoiniĂș, agus nĂ dhĂ©anann cuid acu. Ansin, mĂĄ shocraĂonn tĂș dul sĂos an cosĂĄn seo, beidh a fhios agat roimh rĂ© cad iad na roghanna atĂĄ agat.
CĂ©im 1: Bailigh DoicimĂ©id. Tar Ă©is duit dul i dteagmhĂĄil le dâiasachtĂłir, nĂ mĂłr duit faisnĂ©is a bhailiĂș a bhaineann le dâiasacht gluaisteĂĄn. MĂĄ tĂĄ an fhaisnĂ©is seo a leanas ar lĂĄimh, ba cheart go mbeadh sĂ© nĂos Ă©asca an prĂłiseas iomlĂĄn athmhaoinithe, lena n-ĂĄirĂtear:
- Do scĂłr creidmheasa
- RĂĄta Ășis ar iasacht carr reatha
- Cé mhéad atå agat ar d'iasacht reatha
- LĂon na n-ĂocaĂochtaĂ atĂĄ fĂĄgtha
- Luach do charr
- Léamh déanta, mionsamhla agus odaiméadair
- Do stair oibre agus d'ioncam bliantĂșil
CĂ©im 2. DĂ©an comparĂĄid idir tĂ©armaĂ. MĂĄ chĂĄilĂonn tĂș le haghaidh athmhaoiniĂșchĂĄin, dĂ©an comparĂĄid idir na tĂ©armaĂ atĂĄ ĂĄ thairiscint ag dâiasachtĂłir reatha agus tĂ©armaĂ institiĂșidĂ airgeadais eile.
Coinnigh i gcuimhne tĂ©arma na hiasachta nua, an rĂĄta Ășis nua, aon phionĂłis rĂ©amhĂocaĂochta agus aisĂocaĂocht dhĂ©anach, agus aon tĂĄillĂ breise nĂł muirir airgeadais.
Go dtĂ go mbeidh tĂș sĂĄsta leis na tĂ©armaĂ, nĂ mĂłr duit na doicimĂ©id a chomhaontĂș agus a shĂniĂș.
- RabhadhF: NĂ mĂłr duit a chinneadh freisin an bhfuil aon choinnĂollacha ann chun an fheithicil a thabhairt ar ais agus cad atĂĄ ann sula sĂnĂonn tĂș. TĂĄ sĂ© rĂł-dhĂ©anach a fhĂĄil amach go bhfuil riocht speisialta Ă©igin ann a chaill tĂș nuair a thagann an t-iasachtĂłir chun do charr a thĂłgĂĄil.
Is bealach iontach Ă© dâiasacht gluaisteĂĄn reatha a athmhaoiniĂș chun dâĂocaĂocht reatha a laghdĂș, lena n-ĂĄirĂtear aon chostais airgeadais. Cinntigh go bhfuil do charr in ord maith oibre lena chinntiĂș go mairfidh sĂ© tĂ©arma iomlĂĄn na hiasachta duit agus ina dhiaidh sin. ĂirĂtear leis seo iniĂșchtaĂ agus deisiĂșchĂĄin choisctheacha sceidealta. Lig dĂĄr meicnic taithĂ cabhrĂș leat do fheithicil a choinneĂĄil sa riocht is fearr.