Uyithenga njani imoto ngaphandle kwekhredithi? . Ukuba usandula ukufudukela eUnited States, ngaba ungumfundi wasekholejini, okanye awuzange uthathe ixesha lokwenza imbali yekhredithi , ukuthenga imoto ayinakwenzeka.
Nangona kunjalo, inokufuna ezinye ukuqhubeka kophando ukuqinisekisa ukuba ufumana eyona nto ifumanekayo - ethi ngelishwa yakho isabiza kakhulu kunokuba unembali esekwe neqinisekileyo ngetyala. Yile nto kufuneka uyazi.
Ukungabinayo imali yokuChaphazela iMboleko kwiNkqubo yokuThengwa kweMoto
Ngaphandle kokuba unayo imali yokuthenga imoto ngokuthe ngqo, uyakufuna imboleko mali yokuxhasa inxenye okanye lonke ixabiso lentengiso.
Nangona kunjalo, ukuba awunayo imbali yekhredithi Kunokuba nzima ukweyisela abanye ababolekisi ukuba bakunike ikhredithi. Kungenxa yokuba imbali yekhredithi yomntu, kunye nenqaku lekhredithi elimeleyo, libonisa ukuba kunokwenzeka njani ukuba ahlawule amatyala abo ngexesha.
Ukuba awunayo imbali yekhredithi, ababolekisi abanalo naluphi na ulwazi oludlulileyo lokubanceda babone ukuba ingaba ungomboleki onoxanduva okanye hayi. Kubabolekisi abaninzi, loo mngcipheko uphezulu kakhulu, kwaye banokusikhanyela isicelo sakho.
Nangona kunjalo, kukho abanye ababolekisi bemoto abagxile ekusebenzeni nabantu abanamatyala amancinci okanye abanalo kwaphela. Ngelixa kunokwenzeka ukuba uvunyiwe kwimali mboleko ngabo, unokuhlala ulindele ukuhlawula umrhumo inzala ephezulu kwimali mboleko yakho de ube unakho ukufumana imbali eyoneleyo yokuthenga ngetyala ukulungisa imali mboleko yakho kwixa elizayo.
Nokuba uyafaneleka Unokuthintelwa kwiimoto esele zisetyenzisiwe kangangexesha, ikakhulu kuba iimoto ezintsha zihlala zibiza ngaphezulu kwaye awunakulungela imali mboleko enkulu ngokwaneleyo ukuhlangabezana nexabiso lentengiso.
Okokugqibela, ukuba nekhredithi embi kunokuba nefuthe elibi kumaxabiso einshurensi yemoto yakho. Kwiinkoliso ezininzi, i-inshurensi ezizenzekelayo zisebenzisa oko kubizwa ngokuba ngamanqaku einshurensi esekwe kwikhredithi ukukunceda ukumisela inqanaba lakho. Nangona ayizukunyusa izinga lakho ngokwakho, inokuba ngenxa yezinye izizathu. Nokuba yeyiphi indlela, ungaphulukana nolondolozo lwakho.
Uyithenga njani imoto ngaphandle kwekhredithi
Thenga imoto ngaphandle kwekhredithi . Ukuba ujonge imali mboleko yemoto kwaye ufuna ukunqanda ukuxhamla, zikhona izinto ezimbalwa onokuzenza. Nazi ezinye zeendlela ezilungileyo zokuthenga imoto ngaphandle kwetyala.
Fumana umsayini-kunye
Ukuba unelungu losapho elinelungelo lokuthenga ngetyala okanye umhlobo ozimisele ukufaka isicelo nawe, unokukwazi ukufumana isiqinisekiso semali mboleko yemoto nkqu nabanye ababolekisi bemoto bemveli abanokuthi bayicime.
Kungenxa yokuba umtyikityo naye unoxanduva ngokusemthethweni lokuhlawula ityala. Ke umbolekisi uyazi ukuba ukuba awuhlawuli, omnye umntu kwimali mboleko kunokwenzeka ukuba ahlawule ityala ukukhusela ukuba ityala lakho lingonakali.
Khangela kuyo yonke indawo
Kubalulekile ukuthelekisa nayiphi na imveliso yezemali, kodwa kubaluleke ngakumbi xa unetyala elibi. Baninzi ababolekisi ababiza inzala ephezulu kunye nemirhumo, bethatha ithuba labantu abanqwenela ikhredithi kwaye bengazazi zonke iindlela abanokukhetha kuzo.
Musa ukuhlawula imali mboleko oyifumanayo kuqala . Jonga ukhetho lwakho ngokuchanekileyo ukuze ufumane imali mboleko yemoto efanele imeko yakho yangoku yezemali, utshilo uSean Messier, umhlalutyi wecandelo letyala kwiCredit Card Insider.
Ngokuthelekisa iintlobo ezahlukeneyo zemboleko-mali, uya kuba nombono ongcono malunga nokuba yeyiphi imigaqo eyamkelekileyo kunye nengamkelekanga. Iiwebhusayithi ezinje ngeAuto Credit Express zikuvumela ukuba unxibelelane nababolekisi abanesidima ngokusekwe kumanqaku akho etyala, ukwenza lula inkqubo yophando.
Nje ukuba unababolekisi abambalwa ukuba uthelekise, hlala kulowo unikezela eyona migaqo mihle kwimeko yakho.
Inye into ekufuneka uyihoye xa uthenga imoto ngaphandle kwetyala kukuthengisa okubonelela ngemali ngaphakathi endlwini. Oku kuthenga apha, hlawula apha abathengisi ngamanye amaxesha ababhengezi naluphi na uhlolo lwekhredithi okanye bathambekele ekubeni bangakhathali malunga nembali yakho yetyala.
Nangona kunjalo, ezi dealership zihlala zibiza amaxabiso aphezulu kakhulu kunababolekisi ababi, kwaye ithuba lokufumana kwakhona liphezulu ngokubanzi. Kananjalo, abanakho ukunika ingxelo ngeentlawulo zakho kwiiarhente zesizwe zokunika ingxelo ngetyala, ezinokukunceda ukuba umisele imbali yakho yekhredithi kwaye ulungele ukufumana amaxabiso angcono kwixesha elizayo.
Gcina ngentlawulo enkulu esezantsi
Abanye ababolekisi bemoto abasebenza nabangabolekisi ngetyala banokufuna intlawulo enkulu ephantsi nje ukunciphisa umngcipheko abathathe kuwo kwimali mboleko yabo. Nangona kunjalo, ukuba unexesha lokugcina ngaphezulu, unokuwunciphisa ngakumbi umngcipheko wakho wokuthenga ngetyala kwaye unokunciphisa inzala yakho.
Kananjalo, kokukhona intlawulo yakho iphantsi, kokuncinci kuya kufuneka uboleke kwaye ungaphantsi uya kuhlawula inzala kubomi bemali mboleko.
Cinga ngemali yomthengisi
Mhlawumbi uzibonile iintengiso kuyo yonke indawo: akukho tyala, akukho ngxaki. Ke ukuba ungumthengi onetyala elibi okanye awunakubonisa naliphi na ityala onokubonisa, ngaba ungafumana imali mboleko kumthengisi ophakathi wegama lemoto? Ewe ixhomekeke ikakhulu kumthengisi.
Ukuba ujongene nomthengisi ohloniphekileyo, onophawu oluqinisekileyo olunonxibelelwano nomthengisi omkhulu weemoto, kunokuba ngumdla wakho ukwenza iifowuni ezimbalwa kumphathi wezemali kwaye ucele iinkcukacha malunga nemali mboleko.
Kodwa ungasebenza nomntu ongenakhredithi? Kwaye ukuba kunjalo, yintoni abaya kuyidinga kuwe ukuze ubonelele ngale mboleko? Isenokuba yimbali yakho yomsebenzi, okanye mhlawumbi umntu osayine kunye, kodwa ukuba ungabanika oko bakucelayo, unokufumana into elungileyo. Umthengisi ofanelekileyo usenokuba nakho ukukuqesha ngeinshurensi yemoto elungileyo.
Cinga ngeebhanki zabahlali kunye nemibutho yabasebenzi yamatyala
Inkqubo ye- imibutho yamatyala Okanye iibhanki ezincinci zoluntu zinokuba nemfesane ngakumbi ekukubolekeni imali xa iibhanki ezinkulu zingenjalo. Imfihlo apha kukwazi apho ujonge khona. Umzekelo, unokufuna ukukhangela ababolekisi abaneenkqubo zokuqala zabathengi. Ngokwenyani ezi ziyilelwe abantu abanamatyala amancinci.
Kuba baya kujonga ngaphaya kwamanqaku akho etyala, banokuba nomdla kwezinye izinto: uzinzo lomsebenzi, ukubhatala, iintlawulo zenyanga zesevisi, kwaye kutheni ungenatyala ngeli xesha. Ukuba yinto abayamkelekileyo, unokukwazi ukufumana imali mboleko.
Imali mboleko zeNtengiso
Namhlanje ungafumana intengiso kuyo yonke into, kwaye oku kubandakanya nemali mboleko. Kule meko, uya kusebenza nomrhwebi, umntu oza kuhlalutya idatha yakho yezemali kwaye anike imigaqo yakho kubaxhasi abanokubakho. Baza kuthatha isigqibo sokuba bakunike imali mboleko okanye hayi, ngokusekwe kulwazi abalufumene kumrhwebi.
Ukulunga kunye neengozi zokuthenga imoto ngaphandle kwetyala
Njengoko sele ubona, kunokwenzeka ukuba ufumane imoto ngaphandle kwembali yetyala. Nangona kunjalo, ngaphambi kokuqala inkqubo, kubalulekile ukuba wazi izibonelelo kunye nezinto ezingalunganga ngokwenza oko.
Iinkonzo
- Isibonelelo: inokukunceda wakhe ikhredithi Awunakwakha ikhredithi ngaphandle kokuthatha ikhredithi, kwaye imali mboleko yemoto evela kumbolekisi onika ingxelo yomsebenzi weakhawunti kwii-bureau zekhredithi inokuba sisiqalo esihle.
- Ubuhle: Fumana imoto xa uyifuna Ukuba awukwazi ukulinda ukwakha imbali yakho yamatyala ngenye indlela, ukungafumani mali mboleko yemoto ngoku kungakhokelela kwimoto ngoku.
- Isibonelelo: unokuphinda uhlaziye kamva Ukungafumani mboleko mboleko yemoto kuyabiza. Kodwa njengoko usakha imbali yakho yamatyala kunyaka olandelayo okanye emibini, unokufaka isicelo sokuphinda uhlawule imali mboleko yakho yokuqala, ngokunokwenzeka kwinqanaba eliphantsi kakhulu lenzala kunye nemigqaliselo engcono.
Bendlela
- Ukungancedi: kuyabiza Nokuba uyakuphepha Thenga apha, Hlawula apha okuthengisa, ungaphela ngenqanaba lenzala elingaphezulu kwe-20% -into endiyibonileyo xa ndisebenza kwimali-mboleko yemoto. Kuxhomekeka kwixabiso lemoto yakho kwaye uboleka malini, ungaphela uhlawula inzala eninzi njengoko wenzayo emotweni.
- Ukungancedi: Ufuna imali eninzi yokuhlawula Kuya kuba nzima ukufumana umbolekisi oza kukuhlawulela imoto ngaphandle kwentlawulo. Ngapha koko, uninzi lwamaxesha bafuna ukuhlawulwa okuphezulu kunesiqhelo ukuze bafumane imali mboleko. Nangona kunjalo, akukho mthetho unzima kwaye ukhawulezayo, ke nxibelelana nababolekisi ngaphambi kokufaka isicelo se-terns.
- Con: Umngcipheko wobuqhetseba kunye nababolekisi Baninzi abakhohlisi kunye nababolekisi abadlayo abathatha ithuba labantu abakholelwa ukuba abanandlela yimbi. Ukuba uceliwe ukuba uhlawule imali ngaphambi kokuya kumthengisi okanye imigaqo yemali mboleko ibonakala imbi (iitoni zemirhumo kunye nexabiso lenzala le-30% okanye nangaphezulu), ezo ziiflegi ezinkulu ezibomvu.
Cinga ukulinda de ube nakho ukwenza imbali yekhredithi
Ukuba awunayo i-endorsement kwaye unokulinda ithutyana ngaphambi kokuba ufumane imoto, cinga ngokuthatha ixesha lokwakha ikhredithi kunye nokuseka ityala elifanelekileyo ngaphambi kokufaka isicelo semali mboleko yemoto.
Enye indlela yokwenza oku kukongeza njengomsebenzisi ogunyazisiweyo kwiakhawunti yekhadi letyala lelungu losapho okanye lomhlobo. Ukuba iakhawunti inembali elungileyo yokuhlawula kunye nebhalansi esezantsi, unokufumana izibonelelo zekhredithi zeakhawunti ngaphandle koxanduva lokuhlawula imali eseleyo.
Enye indlela kukuvula iakhawunti yakho yekhadi letyala. Ikhadi elikhuselekileyo lekhredithi lukhetho oluqhelekileyo kubantu ngaphandle kwekhredithi. La makhadi asebenza ngendlela efanayo kumakhadi etyala rhoqo, kodwa afuna idipozithi yokhuseleko lwangaphambili, onokuyifumana emva kokubonisa ukusetyenziswa ngokufanelekileyo kwekhadi letyala okanye xa uvale iakhawunti yakho.
Ukuba ufuna ukunqanda idiphozithi, kukho ezinye iindlela ezingakhuselekanga ezingoyikiyo, ezinje ngeDeserve Classic Mastercard kunye nekhadi lePetal Visa. La makhadi enzelwe ngokukodwa abantu abangenayo imbali yamatyala kwaye banokukunceda wakhe ikhredithi ngokuwasebenzisa rhoqo kwaye uhlawule ityala lakho kwangexesha inyanga nenyanga.
Gcina imbali yeentlawulo ngexesha kuzo zonke iindleko, utshilo uMessier, kuba le yeyona nto ibalulekileyo ekumiseleni amanqaku akho etyala.
Okokugqibela, cinga ngokufumana imali-mboleko yokwakha ngetyala, enokukunceda ukuba wakhe imbali ngetyala ngaphandle kwexabiso lenzala.
Emva kokuba wakhe ikhredithi ubuncinci iinyanga ezintandathu, uza kufumana amanqaku ekhredithi e-FICO, anokunceda ekuphuculeni amathuba akho okufumana imali mboleko yemoto ngendlela efanelekileyo. Emva kokuba amanqaku akho angama-670 okanye ngaphezulu , iya kuqwalaselwa ilungile, eya kuthi ivule ukhetho lwakho ngakumbi.
Kufuneka wenze ntoni xa ungakwazi ukulinda
Ukuba awunalo ixesha lokusebenza ekwakheni imbali yakho yamatyala, cinga ngokufumana imali mboleko yemoto ngoku kumbolekisi owaziwayo kwaye ujonge ekwakheni ityala lakho kwiinyanga ezintandathu ezizayo ukuya kunyaka. Nje ukuba amanqaku akho etyala abe kuluhlu olulungileyo, unokufaka isicelo sokuphinda uhlawule imali mboleko, enokukugcinela imali eninzi ukuba iza nomgangatho wenzala osezantsi.
Nangona kunjalo, ngelixa uthenga ezivenkileni, zama ukukwenza ngokukhawuleza.
Enkosi kwimigaqo-nkqubo ethile yokunika ingxelo ngetyala, ukuba ufaka isicelo semali-mboleko emininzi yemoto ngexesha elifutshane, luphando olungqongqo kuphela luya kubalwa kumanqaku akho etyala, utshilo uMessier.
Eli xesha lihlala lithatha iintsuku ezili-14, kodwa ngamanye amaxesha lide.
isiphelo
Ukufumana imali mboleko yemoto engenatyala unokungabi lula kwaye kungathatha ixesha elide. Nangona kunjalo, ngomonde, unokufumana into elungileyo, nokuba awunguye ummi wase-US. Kuya kufuneka ufumane umbolekisi olungileyo wokukunceda.
Iziqulatho
- Uyithenga njani imoto ngaphandle kwekhredithi
- Fumana umsayini-kunye
- Khangela kuyo yonke indawo
- Gcina ngentlawulo enkulu esezantsi
- Cinga ngemali yomthengisi
- Cinga ngeebhanki zabahlali kunye nemibutho yabasebenzi yamatyala
- Imali mboleko zeNtengiso
- Ukulunga kunye neengozi zokuthenga imoto ngaphandle kwetyala
- Iinkonzo
- Bendlela
- Cinga ukulinda de ube nakho ukwenza imbali yekhredithi
- Kufuneka wenze ntoni xa ungakwazi ukulinda