Cov neeg yuav tsheb tsuas tuaj yeem ntes tsis tau hnub no. Cov nqi tsheb tau nce siab thaum lub sijhawm muaj kev sib kis, thiab tam sim no tus nqi ntawm kev siv nyiaj rau cov txheej txheem tshiab tau nce.
Txawm hais tias tus nqi yooj yim, cov paj laum ntawm cov qiv tsheb yuav nce siab dua, tsawg kawg rau ib ntus, ua rau lub sijhawm tsis tsim nyog los hloov tsheb, cov kws tshaj lij nyiaj txiag hais.
In ib puag ncig zoo li no, nws them rau khw ncig rau tus nqi zoo tshaj plaws. Cov tswv lag luam tuaj yeem pab cov paj laum qis los tsim kev muag khoom, thiab cov tsev txhab nyiaj hauv zos thiab cov koom haum qiv nyiaj yuav muab cov nqi qis dua rau cov neeg siv khoom ncaj ncees. Them cov nuj nqis yuav txhim kho koj cov qhab nia credit, uas yuav tsum tsim nyog rau koj kom tau txais txiaj ntsig zoo dua, thiab txuag nyiaj ntau yuav txo qhov koj xav tau qiv.
Txawm li cas los xij, yog tias koj tuaj yeem tso tseg kev yuav tsheb, tej zaum nws yog ib lub tswv yim zoo. Feem ntau ntawm cov kws tshawb fawb txog nyiaj txiag tam sim no kwv yees qhov kev lag luam poob qis hauv xyoo tom ntej, thiab cov neeg tsim tsheb feem ntau yog pawg ntawm cov nyiaj rov qab thiab kev txhawb siab thaum lub caij poob qis.
Qhov nyiaj paj nruab nrab ntawm tsib xyoos, $ 40,000 qiv rau lub tsheb tshiab yog 5.78%, rau $ 769 them txhua hli, raws li Greg McBride, tus kws tshuaj ntsuam nyiaj txiag ntawm Bankrate.com. Cov neeg tsav tsheb tau txais cov nyiaj qiv tsheb tshiab nyob rau lub Kaum Ib Hlis yuav them qhov nruab nrab ntawm $ 35 ntau hauv ib hlis dua li cov uas tau ua thaum Lub Ib Hlis, thaum tus paj laum nruab nrab yog 3.86%, nws hais.
Qhov nruab nrab cov nyiaj tau los rau cov tsheb tshiab hauv lub quarter thib peb tau teev tseg ntawm $ 41,347, nce los ntawm $ 38,315 hauv tib lub quarter dhau los, raws li Edmunds.com, phau ntawv qhia online rau cov neeg yuav khoom tsheb. Raws li qhov tshwm sim, 14.3% ntawm cov neeg siv khoom siv nyiaj txiag tshiab-tsheb yuav khoom hauv lub quarter thib peb tau them nyiaj txhua hli ntawm $ 1,000 lossis ntau dua, qhov feem pua siab tshaj plaws uas tau sau tseg los ntawm Edmunds. Nws yog 8.3% hauv tib lub hlis twg xyoo tas los.
Jessica Caldwell, tus thawj coj ntawm kev nkag siab ntawm Edmunds, tau hais tias cov paj laum uas tau txais los ntawm cov tuam txhab pib muab "kev pab me ntsis, tab sis txawm tias cov no tsis tshua muaj siab dav dua li yav dhau los. Cov neeg siv khoom nkag mus rau hauv lub lag luam tsheb yuav paub txog tus nqi siab tab sis kuj yuav tsum tau kho lawv tus kheej kom muaj kev sib txawv hauv [nyiaj txiag thiab kev pov hwm] chaw ua haujlwm. "
Tsoom Fwv Teb Chaws Reserve npaj kom nce tus nqi kom rov ua kom muaj nyiaj nce ntxiv. Qhov ntawd txhais tau hais tias qhov nruab nrab them nyiaj txhua hli rau lub tsheb tshiab tseem tsis tau nce siab, raws li McBride, ntawm Bankrate. Txawm li cas los xij, nws tau hais tias qhov nyiaj paj tau nce siab tau muaj "nqi" cuam tshuam rau cov nyiaj them txhua hli, thaum tus nqi siab dua yog "qhov hloov pauv tiag tiag."
McBride tau hais tias "Peb cia siab tias thaum Fed tseem nce tus nqi, peb tseem yuav pom kev nce tsheb qiv nyiaj," McBride tau hais. "Kev yuav khoom ib puag ncig tuaj yeem yog qhov sib txawv ntawm kev them 5% thiab them 10%, yog li muaj txiaj ntsig tiag tiag rau kev yuav khoom ib puag ncig."
Muaj ntau txoj hauv kev yooj yim cov neeg yuav tsheb tuaj yeem txo lawv cov nyiaj them txhua hli, suav nrog them cov nuj nqis los txhawb lawv cov qhab nia credit, txuag rau kev them nqi loj thiab kev lag luam hauv tsheb. McBride tau hais tias "Yog tias koj tso nyiaj ntau dua, tus qiv nyiaj yuav muaj kev pheej hmoo tsawg," McBride tau hais. "Koj tau txais daim tawv nqaij ntau dua hauv qhov kev ua si, thiab qhov ntawd tuaj yeem ua rau muaj txiaj ntsig zoo dua."
Cov neeg yuav khoom hauv lub tsheb yuav tsum nug cov neeg muag khoom txog kev xaiv nyiaj tshwj xeeb los txhawb kev muag khoom, tom qab ntawd nrog lawv lub txhab nyiaj lossis lub koomhaum qiv nyiaj thiab nug kom txo tus nqi raws li cov neeg siv khoom ncaj ncees, raws li Lamar Brabham, tus thawj coj ntawm Noel Taylor Agency Kev Pabcuam Nyiaj Txiag. Yog tias lawv tsis tuaj yeem nrhiav qhov zoo dua los ntawm kev yuav khoom, xav txog nyiaj txiag ntiag tug, nws hais.
Brabham tau hais tias "Nrog cov tsev txhab nyiaj them nyiaj tsawg heev, koj tuaj yeem pom ib tus neeg nrhiav kev txhim kho lawv cov nyiaj rov qab," Brabham tau hais. "Koj yuav xav tsis thoob rau cov neeg uas muaj nyiaj ntau hauv kev txheeb xyuas thiab khaws nyiaj khaws cia. Ib tug neeg hauv tsev neeg lossis phooj ywg zoo siab qiv koj txaus los yuav tsheb. Nws tuaj yeem yog qhov zoo rau koj thiab lawv. "
Yog tias koj yuav tsum tau them nyiaj rau koj qhov kev yuav tsheb tom ntej, kev txhawb nqa koj cov qhab nia credit tuaj yeem txo koj cov nqi ua tswv cuab txhua hli hauv ob txoj hauv kev. Koj yuav tau txais cov nqi qiv qis dua, thiab hauv ntau lub xeev, qhov qhab nia zoo tshaj plaws yog tsim nyog rau kev pov hwm tsheb loj, raws li Chase Gardner, tus kws tshawb fawb ntawm Insurify, lub vev xaib online rau kev sib piv cov cai tuav pov hwm.
Cov uas tau qhab nia ntawm 720 lossis siab dua them qhov nruab nrab ntawm $ 1,387 ib xyoos hauv kev tuav pov hwm, piv nrog $ 1,639 rau cov uas tau qhab nia nruab nrab ntawm 680 thiab 719. Tus lej ntawd nce mus txog $ 1,919 rau cov tsav tsheb ntawm 580 thiab 679, thiab qis dua 580, qhov nruab nrab dhia mus rau $ 2,378. Raws li Insurify.
Qhov ntawd yog ib qho laj thawj vim li cas "kev tho txawv zoo dua thaum nws los txog rau koj xaiv lub tsheb," Gardner tau hais. Cov tsheb siv, tshwj xeeb tshaj yog cov qauv qis qis xws li compact sedans, raug nqi tsawg dua rau kev yuav khoom thiab kev pov hwm, txo cov nqi tswv cuab, nws hais. Kev them nyiaj tsis tu ncua ntawm lub tsheb me me tam sim no tuaj yeem ua rau koj tau txais lub tsheb koj xav tau rau lwm zaus, nws hais.
Gardner tau hais tias "Kev txhim kho koj cov qhab-nees credit yog qhov txheej txheem, tab sis dhau sijhawm, nws yuav ua rau qiv nyiaj pheej yig dua thiab kev tuav pov hwm tsheb pheej yig dua," Gardner tau hais.
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