Ungenza ntoni ukuba awukwazi ukuhlawula intlawulo yemoto yakho? Mhlawumbi uye wafumana utshintsho olubi ebomini. Mhlawumbi iimali zakho zobuqu zitshonile. Nokuba siyintoni na isizathu, woyika ukubuyela emva kwiintlawulo zakho zemoto kwaye mhlawumbi usilele ngokupheleleyo.
Ukuba uzibona unzima kwintlawulo yemoto yenyanga ongasakwaziyo ukuyihlawula, ungothuki. Unokukhetha ezimbalwa.
Ukuba uzibona unzima kwintlawulo yemoto yenyanga ongasakwaziyo ukuyihlawula, ungothuki. Nazi ezinye zezinto onokuzenza ukuthintela ukuphulukana nemoto yakho kunye nokonakalisa ityala lakho.
Ngokulingana: thengisa okanye uhlaziye
Unayo imali yokulingana emotweni? Yinto yokuqala ekufuneka uyenzile ukuba usemngciphekweni wokubuyela emva kwiintlawulo zakho. Fumanisa ukuba ixabisa malini imoto yakho uze uthelekise elo xabiso kunye nemali osatyalwa yona kwimali mboleko. Ukuba unetyala elingaphantsi kwexabiso lemoto, unokulingana. Ukuba unetyala elingaphezulu kwimali mboleko kunexabiso leyona moto, unokulingana. Kwishishini lezemoto, oko kubizwa ngokuba ngasemva.
Ukuba unobulungisa, thengisa imoto yakho ngqo kumthengisi weemoto okanye ICarMax yeyona ndlela ilula yokuphuma kwimali mboleko yemoto ongasenakuyiphatha.
Uya kuyibhatala imali-mboleko yakho kwaye iphelele apho. Akuyi kubakho bungozi bonakalisa ikhredithi yakho ngenxa yokuhlawulwa kade okanye emva kwexesha kweentlawulo zemoto. Unokuba nemali epokothweni yakho yokuthenga enye imoto, enye eneentlawulo ezilawulekayo.
Ukuthengisa imoto kumthengi wabucala kuya kukufumanela imali ethe kratya, kodwa ukuyithengisa kumthengi wabucala xa ungenayo itayitile esandleni kunokuba lucelomngeni. Ke ngoko, kungcono ukubonisana nomthengisi okanye iCarMax.
Ukuba ufuna ukugcina imoto, ukuba kwisikhundla semali kufuneka kukuvumele ukuba uphinde uhlawule imali mboleko yakho yangoku. Inzala inyukile kutshanje, ngenxa yoko ngekhe ufumane umyinge ophantsi wokuhlawulwa kwemali mboleko kunemali mboleko yakho yangoku. Kodwa ngokwandisa ixesha lemali mboleko ngokuxhasa kwakhona, uya kufumana iintlawulo ezilawulekayo ngakumbi. Uya kuphelisa ukuhlawula inzala ethe kratya, ewe, kodwa loo nto yesibini xa injongo yakho kukugcina imoto yakho.
Unokwazi ukuphinda uhlaziye umbolekisi wakho wangoku, kodwa kunokuba sengqiqweni ngakumbi ukujonga umanyano lwamatyala okanye ibhanki yakho. La maziko anokubonelela ngamazinga enzala asezantsi kunalawo unokunikwa ngumbolekisi wakho wangoku.
Olunye ukhetho ukuba uyarenta
Jonga iisayithi zotshintshiselwano zokuqeshisa oontanga Swapalease kwaye UkuqeshisaTrader . Isiseko silula: umntu ofuna ukuphuma kwindawo yoqeshiso upapasha isithuthi kwindawo leyo. Ukuba umthengi ubona isithuthi sakho sidwelisiwe kwaye uyayithanda imigaqo, loo mthengi angathatha indawo yoqeshiso logama ibhanki ikuvumela oko kwaye umthengi ufanelekile. Ukuba ungothula imoto yakho ngale ndlela, uya kuba ukhululekile kwiintlawulo ezizayo.
Akukho equity, zimbalwa iindlela onokukhetha kuzo
Kungumceli mngeni ngakumbi ukuba uthenga kwaye awunayo imali. Ukuba, emva kokufumana ixabiso lemoto yakho, ufumanisa ukuba unetyala elingaphezulu kwesithuthi sakho, ukuthengisa imoto yakho ukuphelisa intlawulo akunakwanela. Uya kufuna imali ngesandla ukuze uhlawule umahluko phakathi kwetyala lakho kunye nexabiso eliyimali yemoto.
Ukuxhasa kwakhona imoto yakho isenokukhetha Kodwa kuxhomekeke ekubeni ubuye umva kangakanani, ukufumana umbolekisi okulungeleyo ukuhlawula ngaphezulu kwesixa semali mboleko esihlaziyiweyo kunokuba ngumceli mngeni. Lixesha lokuba unxibelelane nebhanki yakho.
Yiba phambili nombolekisi
Unxibelelwano nombolekisi wakho lubalulekile kwaye lungenza umahluko phakathi kokugcina imoto yakho nokuyiqhuba kwakhona.
Ukuba umboleki akakwazi ukwenza intlawulo yemali mboleko, kufuneka abize umbolekisi wakhe ngokukhawuleza Utsho uNatalie M. Brown, usekela-mongameli ka-Wells Fargo kunxibelelwano lwemali mboleko. Amaqela enkonzo yabathengi akulungele ukusebenza nabathengi ukuze baqonde imeko yabo kwaye bazame ukufumana iindlela ezinokunceda.
Ibhanki iya kufuna ukwazi iimeko ezikuthintelayo ekuhlawuleni. Ukuba ilungu losapho liswelekile, ukudendwa emsebenzini, ukugula okanye esinye isiganeko sobomi esichaphazele imali yakho, xelela umbolekisi wakho.
Abanye ababolekisi baya kuvumela unyamezelo, okanye ixesha apho ungaphulukana khona okanye wenze iintlawulo eziphantsi de imeko yakho ibe ngcono. Ezinye iibhanki zinokude zikulungele ukuhlengahlengisa imigaqo yemali mboleko kwintlawulo ekulula ukuyilawula. Gcina ukhumbula ukuba ababolekisi abafuni ukuba imoto yakho ibuyiselwe kuwe kwaye baya kuyifumana kwakhona xa begqibile ezinye iindlela.
Kodwa emva kweenyanga ezintathu zokuhlawulwa kade kwaye ukuba awuqhagamshelani nombolekisi wakho, ilori ebuyayo inokuba ifuna imoto yakho.
Kwimeko yokuphangwa
Ukuba uvuka kwaye imoto yakho ayikho kwindlela yakho, konke akukalahleki.
Nje ukuba iphinde yahluthwa imoto, umbolekisi angakuvumela ukuba uyibuyise. Oku kubizwa ngokuba kukuhlangula okanye ukubuyisela ukubuyela kwimeko yesiqhelo. Ukuba unolu khetho, kuya kufuneka uhambe ngokukhawuleza. Ifestile yokubuyisela imoto yakho imfutshane-ihlala ingaphantsi kweeveki ezimbini.
Nangona kunjalo, ukubuyisa imoto yakho ngekhe kubize. Uninzi lwababolekisi luyakukucela ukuba uhlawule imali ezisa imali-mboleko yakho yangoku (okanye kufutshane nayo), kunye nemirhumo.
Ukuba awunakho ukurhweba okanye ukubuyisela kwakhona ekubuyiseni kwakho, umbolekisi uya kuthi ekugqibeleni athumele imoto kwifandesi iyathengiswa. Nangona kunjalo, ikhonkco lakho lemali aliyi kuphelela kwifandesi. Uya kuba noxanduva lokwahlula phakathi kwemali ebithengiselwe yona kunye nentsalela yemali-mboleko, kunye neendleko zokufumana kwakhona.
Ke ukuba unetyala le- $ 15,000 kwimoto ethengiswa kwifandesi nge-11,000 yeedola, uya kufumana kwakhona kwingxelo yakho yamatyala kwaye unetyala le- $ 4,000, kunye nemirhumo yokubuyisa isithuthi ongasaqhubekiyo. Ngelixa ababolekisi banokuhlawula imali eseleyo, musa ukuthembela kuyo. Banelungelo lokukumangalela, kwaye ukuba bayaphumelela, banokuqokelela imali ngokungena kwiakhawunti yakho yebhanki okanye ngokuhombisa umvuzo wakho. Indawo yolwazi esemthethweni Nolo Inqaku malunga nokhetho lwakho ukuba unetyala lemali emva kokufumana kwakhona .
Isisombululo esibi: buyisela imoto
Ukuba imoto yakho itsaliwe, oko kuthathwa njengendawo yokulala. Ukuba ulungiselela ukusishiya isithuthi kunye nombolekisi, oko kuthathwa njengokuzinikela ngokuzithandela.
Ukuba ukhetha ukunikezela ngokuzithandela kwimoto yakho, uya konga iindleko ezenziwe yibhanki yokuhambisa itraki kunye nokugcina imoto yakho ide inyukele kwifandesi. Kodwa ababolekisi bajonga ukuphinda bahlawule kwaye bazinikezele ngokuzithandela njengoko kunjalo: ukusilela ukuhlonipha ukuphela kwesivumelwano semali mboleko. Nangona ziya kuvela ngokwahlukileyo kwingxelo yakho yamatyala, zombini ziya kuyitshabalalisa ikhredithi yakho.
Akukho sisombululo: fihla imoto
Oku akuyi kusebenza. Nali ibali ukungqina inqaku:
Ndithengise iimoto ngaphezulu kweminyaka elishumi elinambini eSouthern California, kwaye umthengi omnye ibingumfazi ongakhange enze nentlawulo yakhe yenyanga yokuqala. Akaphendulanga kwiinzame zombolekisi zokunxibelelana naye.
Ibhanki ithathe intlawulo yokuqala emiselwe kwangaphambili, ephawula isithuthi sayo ukubuyiselwa. Mhlawumbi ucinga ukuba ukuthatha imoto ekhayeni lakho kuya kukwenza ungabonakali ebhankini, ke uthathe isigqibo sokutsiba idolophu. Kungaphelanga nenyanga, inkampani repo yabona iMitsubishi Montero yakhe kwindawo yokupaka ivenkile enkulu eAtlanta yaza yayithimba.
Yenzeka njani lonto? Itekhnoloji. Iilori zeReph zineekhamera ezifunda iipleyiti zamaphepha-mvume kwaye zifota phantse wonke umntu ogqitha indlela yakhe. La macwecwe amaphepha-mvume abhekiswa kuluhlu lwezithuthi eziphawulwe ukuba ziphinde zibuye, kwaye xa umqhubi wetroli ehambayo efumana umdlalo, isithuthi siba kukujoliswa.
Ukuziphatha kwebali: Nokuba uqhuba kwilizwe lonke akuyi kukunceda ukuba ubaleke indoda yokugcina izinto.
Iingcebiso ezilungileyo
Eyona ndlela yokujongana nengxaki yokungakwazi ukuhlawula ayisosicwangciso sokudlula kwilori yogcino okanye ukwazi nokuhlengahlengisa imigaqo-mboleko yakho. Zizenzo ozithathayo ngaphambi kokuba uthenge imoto yakho enokuba yeyona ndlela ibaluleke kakhulu yokuphepha iingxaki.
Ingcebiso yokuqala esiza kuyinika abathengi kukuzama ukuyiphepha le meko ngokupheleleyo, ukuba banako. Utshilo uBrown. Cwangcisa kwangaphambili ukunciphisa ifuthe lobunzima ekwenzeni iintlawulo zemali mboleko. Umzekelo, ukuba nengxowa-mali engxamisekileyo eneenyanga ezintathu ukuya kwezintandathu zeendleko ngumbono olungileyo.
Nanga amanyathelo athile asebenzayo: Thenga imoto efanelekileyo kwiimfuno zakho, uqaphela ukuba isenokungabi yimoto yamaphupha akho. Ukuthatha iindleko ezongezelelweyo zokuba nemoto kwangaphambili. Hlala ngaphakathi kuhlahlo-lwabiwo mali lwakho kunokuba ulukhuphe.
Ukuba uyayenza yonke loo nto, kodwa usengxakini yemali ngemoto yakho, siyathemba ukuba ezi ngcebiso- kunye nentlahla- ziya kuyigcina imini.
Iziqulatho