Isebenza njani i-Auto Financing? . NgoJanuwari 2020, ixabiso eliphakathi lesithuthi esitsha lalikhona $ 37,851 Ngokwabahlalutyi beshishini Incwadi yeKelley Blue -Ngoko ke ukuba ufana noninzi lwethu, kuya kufuneka fumana imali ukuze ufeze iphupha lakho . Ukuxhaswa ngemali kweemoto kusebenza kwimali mboleko evela kwiziko lezemali okanye komnye umbolekisi ukuze ahlawule iindleko ezipheleleyo zokuthenga kwakho.
Yintoni imali ngezemali?
Xa uxhasa imoto ngemali, iziko lemali likuboleka imali oyifunayo ukuze uhlawule isithuthi ngohlobo lweentengo zemboleko. Ngokwesiqhelo kuya kufuneka yenza intlawulo ilingana nepesenti yemali mboleko kwaye uhlawule intsalela yexabiso lokuthenga lesithuthi kwithuba elithile elichaziweyo (ixesha lemali mboleko) usenza intlawulo rhoqo ngenyanga.
Njengayo nayiphi na imali mboleko, ababolekisi bemoto benza imali ukubiza inzala malunga nemali mboleko kunye nemirhumo eyongezelelweyo yokulungiswa kunye nokukhutshwa kwemali mboleko. Imoto ngokwayo isebenza njengesibambiso semali mboleko, oko kuthetha ukuba umbolekisi unelungelo lokuthatha (ukuphumla) imoto yakho ukuba awukwazi ukuhlangabezana neentlawulo zakho.
Ngubani onikezela ngemali ngezemali?
Unokufumana inkxaso mali ngezithuthi ezahlukeneyo ngamaziko emali. Iibhanki kunye neemanyano zabathengi ziindawo eziqhelekileyo zokufumana iimali mboleko zemoto. Ukuba unoluvo ngokubanzi lokuba imoto oyifunayo iya kubiza malini, ungaqhagamshelana nebhanki yakho okanye umbutho wekhredithi kwaye ufumane imvume mboleko kwangaphambili.
Baza kukunika ileta eqinisekisa imali onokuyiboleka kunye nenqanaba lenzala. Gcina nje ukhumbula ukuba amaxabiso wenzala anokutshintsha kancinci xa uthenga imoto kwaye ibhanki okanye umbutho wekhredithi uqhuba itshekhi epheleleyo yokugqibezela imvume yakho yemali mboleko.
Unokufumana ababolekisi bemoto kwi-Intanethi abanokukufanisa neyona mali mboleko ilungileyo yezidingo zakho. Ezi ndawo ngokubanzi zikuvumela ukuba uthelekise izibonelelo ezivela kubabolekisi abohlukeneyo ukuze ufumane ezisebenzelayo.
Enye indawo yokufumana imali kukuthengisa ngokuzenzekelayo. Abathengisi banokucwangcisa imali kuwe ngokusebenzisa ababolekisi besithathu; Uya kufaka isicelo semali mboleko kumthengisi kwaye ufumane ukuvunywa kwangoko. Oku kungadla ngaphezulu kokufumana imali mboleko ngokwakho, njengoko abathengisi ngokubanzi benza inzuzo ethile kwiindleko.
Abanye abathengisi banikezela ngezemali zabo ngaphakathi. Eyaziwa njengokuthenga apha hlawula apha imali, le yinto ekufuneka uyiphephe ukuba kunokwenzeka. Ezi mboleko zenzelwe abantu abanamatyala amabi, ke inzala kunye neemfuno zokuhlawula ezantsi zihlala ziphezulu kakhulu.
Ukuba ulinda de ube sowuthandana nemoto ethile ukufaka isicelo senkxaso mali yomthengisi, kunokwenzeka ukuba uvumelane nemigaqo mboleko engaphantsi kokufanelekileyo. Kungenxa yoko le nto ukufumana imvume kwangaphambili kwimali mboleko yemoto ngokwakho ngaphambi kokundwendwela umthengisi inokuba licebo elihle. Ukuxhotyiswa ngemigaqo yemali mboleko yakho esele ivunyiwe, ungathetha-thethana ngemibandela engcono kwaye ufumane imali mboleko efanelekileyo yemoto kwiimfuno zakho.
Iingcebiso kwimali mboleko ezenzekelayo
Ukuthenga imoto lolunye lolona tyalo mali lukhulu uya kuze ulwenze, okwesibini kukuthenga indlu. Ngelixa ukuhlawula ngekheshi kuya kufaneleka, inyani kukuba uninzi lwabantu lufuna imali mboleko yokuhlawulela iimoto zabo, nokuba zintsha okanye zisetyenzisiwe. Njengento efumana inzala njengoko uhlawula ngokuhamba kwexesha, kubalulekile ukuba uzilungiselele ngaphambi kokufaka isicelo semali mboleko yemoto.
Ngaphambi kokuba uqalise inkqubo yakho yokuthenga imoto, kukho izinto ezithile ezibalulekileyo ekufuneka uzazi malunga nemali mboleko yemoto.
Lazi inqaku elifanelekileyo letyala
Amanqaku akho etyala yeyona nto ibalulekileyo ekumiseleni ukuba loluphi uhlobo lwemali mboleko oza kukwazi ukuyifumana kumbolekisi. Nokuba uhamba ngebhanki, umthengisi wemali mboleko ngokuzenzekelayo, okanye umthengisi uqobo, izinga liya kuxhomekeka kulo.
Qaphela ukuba ayingabo bonke ababolekisi abasebenzisa, okanye abajonga kuyo, inkqubo efanayo yokufumana amanqaku: Ababolekisi abohlukeneyo baneendlela ezahlukeneyo, ke amanqaku amancinci afunekayo ukuze afaneleke aya kwahluka ngokuxhomekeka kwinkampani ebonelela ngemali, kuxhomekeke Buza amava .
Amanqaku ahlukeneyo afaka i-FICO Auto Score 8 kunye neVantage Score 3.0. Yazi ukuba ngawaphi amanqaku ababolekisi obakhathaleleyo malunga nokukhathalela kwaye bawasebenzise ukumisela ukuba zeziphi iingxelo ozicelayo. Ukuba awuyazi inqaku lakho lekhredithi, unokufikelela kwikopi yengxelo yakho yekhredithi kwii-ofisi ezintathu ezinkulu zokunika ingxelo simahla. Bonke abathengi bavunyelwe ikopi enye ngonyaka ye ycvdgcisa.com .
Faka isicelo semali-mboleko kwisithuba seentsuku ezili-14
Amanqaku akho etyala aya kuncipha kancinci xa ababolekisi bejonga imbali yakho yamatyala, kodwa ukugcina inkqubo yakho yesicelo kwithuba leeveki ezi-2 kunceda ukunciphisa ifuthe elibi, ngokweengcali zeentengo zemboleko Ngokuzenzekelayo - Imfihlo uninzi lwababolekisi abayi kukuxelela. Kutheni le nto? Ixesha lokuthengwa kwamanqaku e-FICO ziintsuku ezili-14, ke yonke imibuzo eyenziweyo ngelo xesha iya kuqwalaselwa njengenye, ukunciphisa ifuthe kumanqaku akho.
Fumana ukuvunywa kwangaphambili, emva koko uthenge
Kuhlala kukulungele ukuhamba kwindawo yokuthengisa iimoto kunye nesibonelelo semali esivela ebhankini okanye kumbolekisi ngesandla. Isithembiso esamkelwe kwangaphambili siqinisekisa ukuba unemali-mboleko yokuhlawula iindleko zemoto oyifunayo.
Okubaluleke ngakumbi kukuba ikunika amandla ongezelelweyo: Ngetsheki yakho engenanto okanye isigqebhezana esivunyiweyo somboleki ngesandla, uguqula ube 'ngumthengi wemali', kwindawo yokupaka iimoto, kwaye uzifumane usendaweni yothethathethwano. UFilipu Reed ka INerdWallet .
Unokufumana kwangaphambili ukwamkelwa kwemali mboleko yemoto kwimibutho yabathengi, kwiibhanki, nakubabolekisi kwi-Intanethi.
Bala iindleko ngaphambi kokuba uthi ewe
Ngaphambi kokuba uthathele ingqalelo ekunciphiseni ukuhlawulwa kwemoto yakho kwisixa esithile, kubalulekile ukuba uqonde izinto eziza kumisela ukuhlawulwa kwemoto yakho yenyanga. I-APR inefuthe elincinci kuphela kwimali oyihlawulayo inyanga nenyanga.
Izinto ezibaluleke kakhulu zibandakanya isixa semali-mboleko esifunekayo, nokuba unayo intlawulo okanye hayi, ukuba ubeka ixesha elingakanani, kunye nexesha lemali mboleko (ixesha lokuhlawula).
Sebenzisa ikhalityhuleyitha yemali mboleko ukuze udlale ngamanani. Unokuba ungxamile ukukhupha loo moto kwindawo yokupaka, kodwa ukuthatha usuku ukubala amanani kunokukugcinela amawaka ethubeni.
Qonda imali yomthengisi
Ngamanye amaxesha ukuxhaswa ngemali ngumthengisi kunokubonakala ngathi kukubonelela okunomtsalane. Izibonelelo ezinje nge-0% yezemali kunye nokuhlawulwa kwemali enkulu ekubuyiseni imali, enokuthi ekugqibeleni ithobe isixa semali mboleko yakho, kunokubonakala ngathi lolona khetho lulungileyo.
Khumbula ukuba uninzi lweenketho zemali ziyafumaneka kubathengi abafanelekileyo. Ukuba unento engalunganga kwingxelo yakho yamatyala, amanqaku aphantsi e-FICO, okanye amava amancinci ekhredithi, ngekhe ufaneleke kwezi zibonelelo zikhethekileyo.
Ngayiphi na imeko, soloko ujikeleza, ungaze wamkele ukhetho lokuqala lokunika imali, kwaye ungalibali ukwenza ubalo lweendleko ngaphambi kokuba uthi ewe.
Ukuxhasa ngemali imoto yakho entsha yindlela entle yokufumana isithuthi osifunayo kwaye ungasincami. Inkqubo inokuba nzima, ke gcina ezi ngcebiso engqondweni ngaphambi kokuba uthi ewe kuyo nantoni na. Xa usenza uphando, fumana kwangaphambili, kwaye ubaleke ngokwakho, uya kuqhuba uziva ulungile malunga nemoto kunye nemeko yakho yezemali.
Leliphi inqaku lekhredithi endilifunayo ukuxhasa ngemali imoto?
Inkqubo ye- amanqaku etyala afunekayo Uyilungela njani imali-mboleko yemoto eyahluka ngendlela ebolekisayo kunye nohlobo lwemali. Ababolekisi bemoto banokwahluka kwimodeli yokulinganisa ngetyala abafuna ukuyisebenzisa ukuvavanya ukulungela kwakho ukuthenga ngetyala. Ngenxa yoko, akukho ubuncinci benqaku letyala kumiselwe ukuba bonke ababolekisi bafuna. Oko kwathiwa, abantu abanamanqaku aphezulu etyala kunye neembali ezinde zeekhredithi banokufumana imigangatho yemali mboleko engcono kunye namaxabiso enzala asezantsi.
Ukuba amanqaku akho NDINGU ®ilungile okanye ingcono, kuya kufuneka ubenakho ukufumana ilungelo lokufumana iimali mboleko ezifanelekileyo. Amanqaku kuluhlu oluqhelekileyo ngokubanzi awayi kukuthintela ukuba ungapasiswa; Nangona kunjalo, oko kunokuthetha ukuba uya kuhlawula inzala ephezulu okanye kufuneka wenze intlawulo enkulu enkulu. Ukuba unamanqaku aphantsi okuthenga ngetyala okanye ufuna ukufumana eyona migaqo mihle inokwenzeka, thatha ixesha lokusebenza kumanqaku akho etyala ngaphambi kokufaka isicelo semali mboleko yemoto.
Izinto ekufuneka uzigcine engqondweni xa ufaka isicelo semali mboleko yemoto
Ixabiso lethegi yemoto ayisiyiyo kuphela indleko ekufuneka uyiqwalasele xa ufaka isicelo senkxaso mali yemoto. Nazi ezinye amagama aphambili ekufuneka uzigcine engqondweni.
- Intlawulo yokuqala -Isixa semali ekufuneka usifake ukuze wenze isicelo semali mboleko. Ukuba unetyala elilungileyo okanye eligqwesileyo, unokulungela ukufumana izibonelelo zokuhlawula ezantsi. Xa usenza isigqibo ngemali oyihlawuleyo, khumbula ukuba okukhona uhlawula ngakumbi, imali encinci ekufuneka uyibolekile, kunye nemali mboleko encinci kuthetha ukuba uya kuhlawula inzala encinci ngokuhamba kwexesha.
- Umyinge wepesenti wonyaka ( APR ) - I-APR yakho yemali mboleko iya kubandakanya inqanaba lenzala kwimali mboleko, kunye nayo nayiphi na imirhumo okanye ezinye iintlawulo ukubonisa indleko iyonke yokuboleka imali. Ukuba ulinganisa ukunikezelwa kwemali mboleko emibini, ukuthelekisa i-APR yindlela elungileyo yokuvavanya ukuba yeyiphi na imali mboleko eya kukuhlawula ngaphezulu ekuhambeni kwexesha.
- Irhafu : i irhafu Ukuthengiswa kwezithuthi zikarhulumente kufuneka kuhlawulwe ngexesha lokuthenga. Kuxhomekeka ekubeni uyithenga phi imoto kwaye ixabisa malini, oku kungongeza amawaka eedola kwiindleko zakho.
- Amaxabiso Ukongeza kwimirhumo yokubhalisa imoto yakho entsha kwisebe lakho likarhulumente lezithuthi, kuya kufuneka uhlawule ezinye iirhafu ezibizwa ngumthengisi, ezinje ngeefizi zokuya kwindawo okanye amaxwebhu.
- Imimmisele yenkonzo Ixesha: kukude kangakanani ukuhlawula imali mboleko. Imigaqo yemali mboleko ngokuzenzekelayo iqala ukusuka kwiinyanga ezingama-36 ukuya kwezingama-72; Unokufumana iinyanga ezingama-84 zemali mboleko yemoto. Ukukhetha ixesha elide lemali mboleko kuya kunciphisa intlawulo yakho yenyanga, kodwa ngeendleko zokuhlawula inzala ngaphezulu kwexesha. Ixesha elifutshane lemali mboleko lithetha ukuhlawulwa okuphezulu kwenyanga, kodwa intlawulo encinci yenzala iyonke; Kwakhona ababolekisi bahlala benikezela ngenzala ephantsi kwimali mboleko yexeshana.
- Iintlawulo zarhoqo ngenyanga -Ukuhlawula imali mboleko yakho yemoto, uya kuseta iintlawulo zenyanga nenyanga ezibandakanya inqununu kunye nenzala. Iingcali zicebisa ukugcina intlawulo yemoto yakho yenyanga nge-10% okanye ngaphantsi komvuzo wakho wokugoduka. Kubalulekile ukugcina intlawulo yakho yenyanga ilawulwa, kuba ukuba unengxaki yokuhlawula imali mboleko yakho yemoto, inokulimaza amanqaku akho etyala, kwaye ukuba uphulukene neentlawulo ezininzi, inokuphinda ifumaneke imoto yakho. Ngokufanelekileyo, jonga elona xesha lifutshane lemali mboleko ngentlawulo efikelelekayo.
Iindidi ezizezinye zenkxaso mali yemoto
Imboleko-mali yemveli yemoto ayisiyiyo kuphela kwendlela yokuqinisekisa kunye nokuhlawulela imoto. Nazi ezinye iindlela ezinokuthi zikusebenzele.
- Ukuqeshisa imoto -Ukuqeshisa kunika indlela yokuqhuba imoto entsha ngaphandle kokuyithenga. Ukuqeshisa kubalulekile ukuba kuqeshwe ixesha elide, ke uya kuyibuyisela imoto kumthengisi okanye kwinkampani yokuqeshisa emva kokuyiqhuba iminyaka embalwa. Iintlawulo zoqeshiso zarhoqo ngenyanga ziphantsi kunentlawulo yemali-mboleko kwimoto enye. Ukurenta imoto ngokubanzi kufuna ukuhlawulelwa kunye nemirhumo, kwaye kuya kufuneka unyamezele ezinye izithintelo; umzekelo, kunokubakho umda kwinani leemayile onokuziqhuba ngonyaka. Nangona kunjalo, ukuba injongo yakho kukuqhuba isithuthi samva nje ngaphandle kokwenza utyalomali olukhulu, ukuqeshisa kunokuba yinto onokukhetha kuyo. Gcina nje ukhumbula ukuba uyakufuna okuhle kwityala elifanelekileyo ukuze ufanelekele ukuqeshisa.
- Hlawula imali -Ukuhlawula imali kwimoto akunakwenzeka kubantu abaninzi, ngakumbi ukuba unentliziyo emiselweyo kwimodeli entsha. Kodwa kwabo banakho ukuyilawula, ukuhlawula ngemali ezinkozo kususa isidingo sokwenza isicelo semali mboleko yemoto. Amathuba kukuba, kuya kufuneka ugcine amawaka ambalwa eedola kwintlawulo esezantsi nangona kunjalo. Ukuba awuyidingi imoto kwangoko, thatha ixesha lakho ukonga ngakumbi. Logama nje ungazifuni zonke iintsimbi kunye neempempe kwaye ufuna nje uthutho olusisiseko, unokufumana iimoto ezinokuthenjwa ezisetyenzisiweyo ze- $ 5,000 okanye ngaphantsi.
- Imali-mboleko yoontanga : i mboleko ezilinganayo Oontanga (P2P) abanikwa ziibhanki okanye abathengisi beemoto, kodwa basuka komnye umntu ukuya komnye. Ezi mboleko zobuqu onokuzisebenzisa kuyo nayiphi na injongo, kubandakanya ukuthenga imoto. Unokufumana iimali-mboleko ze-P2P kumaqonga akwi-intanethi, anje ngeProsper, iklabhu yokuBoleka imali, kunye nePeerform, ezikudibanisa nabantu abazimisele ukukhupha imali mboleko. Iirhafu zenzala kwimali mboleko ye-P2P zinokwahluka ngokubanzi, kwaye uya kufuna ngokubanzi ikhredithi elungileyo ukuze wamkelwe; Nangona kunjalo, kulula ukufaka isicelo kwi-Intanethi kwaye uthelekise amaqondo enzala awahlukeneyo kunye nemigaqo yokufumana eyona mali-mboleko yoontanga.
Eyona ndlela ifanelekileyo yokuxhasa ngemali imoto
Njengoko ubona, zininzi iindlela zokuxhasa ngemali imoto yakho entsha. Ukufumana eyona mali mboleko izenzekelayo, qala ngokujonga eyakho ingxelo ityala kwaye amanqaku etyala . Amanqaku amahle etyala anokunika ukhetho oluninzi kwaye anokukunceda ufumane imigaqo-mboleko engcono. Ukuphanda ngeemali-mboleko zemoto kwibhanki yakho, kwimanyano yabathengi, nakubabolekisi kwi-Intanethi ngaphambi kokundwendwela indawo ekuthengiswa kuyo iimoto kuya kukunika umbono ocacileyo wokhetho lwakho, zikubeke kwisikhundla esomeleleyo sokuthethathethana ngemali efanelekileyo yamavili akho amatsha.
Iziqulatho
- Yintoni imali ngezemali?
- Ngubani onikezela ngemali ngezemali?
- Iingcebiso kwimali mboleko ezenzekelayo
- Lazi inqaku elifanelekileyo letyala
- Faka isicelo semali-mboleko kwisithuba seentsuku ezili-14
- Fumana ukuvunywa kwangaphambili, emva koko uthenge
- Bala iindleko ngaphambi kokuba uthi ewe
- Qonda imali yomthengisi
- Leliphi inqaku lekhredithi endilifunayo ukuxhasa ngemali imoto?
- Izinto ekufuneka uzigcine engqondweni xa ufaka isicelo semali mboleko yemoto
- Iindidi ezizezinye zenkxaso mali yemoto
- Eyona ndlela ifanelekileyo yokuxhasa ngemali imoto
- Ulihlawula njani ikhadi elikhawulezayo letyala
- Ungayicoca njani isilivere kwaye uyigcine kungcoliswa ...
- Ndazi njani ukuba ndinomyalelo wokugxothwa?
- Ungalinyusa njani inqaku lakho letyala elikhawulezileyo
- Ungasifaka njani isicelo sekhadi letyala leWalmart
- Uzifumana njani iiNcwadi zeSitampu sokutya simahla ngePosi