Imali mboleko yetayitile yemoto
Imali mboleko yetayitile yemoto iyingozi njengoko basebenzisa eyabo imoto njengesibambiso kwaye banenzala ephezulu. Funda ukuba ungayenza njani imali mboleko yesihloko semoto ikusebenzele.
Xa kuziwa kwimali mboleko yemoto, kukho izinto ezininzi ekufuneka uzazi ngaphambi kokuqesha enye . Ezi mboleko zikwabizwa ngokuba yimali mboleko yomhla wokuhlawula, imali mboleko yemali, okanye iimali mboleko zetayitile yemoto.
Zonke zithetha into enye kwaye zinokusetyenziswa ngokuchaseneyo. Bafuna ukusetyenziswa kwegama lakho imoto njengesibambiso sokubuyisela ixabiso lemali mboleko . Ezi mboleko-mali kufuneka zisetyenziswe kuphela kwi ityala likaxakeka . Nazi ezinye iingcebiso kunye nolwazi ekufuneka ulufumene.
Isebenza njani iMali mboleko yesihloko esizenzekelayo
Ukuboleka kwisithuthi sakho, kuya kufuneka ubenemali eyaneleyo kwimali yakho yokuxhasa ngemali mboleko. Kwiimeko ezininzi, kuya kufuneka ukuba uhlawule nayiphi na imali mboleko esetyenziselwe ukuthenga isithuthi, kodwa abanye ababolekisi bayakuvumela ukuba uboleke ukuba usahlawula umboleko wemoto oqhelekileyo. Ngokomndilili, ezi mboleko zinokuvela kwi-100 ukuya kwi-5 500 yeedola.
Imali onokuyiboleka isekwe kwixabiso lemoto yakho okanye ulingano onalo kwisithuthi. Ixabiso liphezulu, kokukhona unokufumana imali eninzi. Kodwa musa ukulindela ukucudisa ixabiso elipheleleyo lemoto kwimali mboleko yetayitile. Ababolekisi bafuna ukwenza kube lula kubo ukuba babuyise imali yabo, ke baboleka kuphela abanokufumana ngokukhawuleza kwaye ngokulula ukuba kufuneka baphinde baphinde bathengise isithuthi. Uninzi lwababolekisi lubonelela ngemalimboleko phakathi kwama-25% nama-50% exabiso lemoto yakho. Banokufaka isixhobo sokulandela umkhondo seGPS kwisithuthi sakho ukunqanda umntu ukuba afihle imoto endaweni yokuhlawula imali mboleko.
Ngelixa unokufumana iimali mboleko zetayitile yemoto kwiinkampani zezezimali zevenkile, unokukwazi ukuboleka kwimoto yakho kwimanyano yakho yetyala okanye ebhankini.2
Uphando
Yenza uphando olubanzi malunga nemali mboleko yemoto eyimali kunye nababolekisi abohlukeneyo phaya. Imali mboleko yetayitile yemoto yimali mboleko esezantsi yomngcipheko kubabolekisi, elungileyo nakuwe. Oku kuthetha ukuba baninzi ababolekisi abenza iimali mboleko zetayitile yemoto. Kuya kufuneka ujonge ngononophelo kwindawo elungileyo, kuba iqondo lenzala kwezi mboleko liphezulu, ke kuya kufuneka uthathe ixesha lokufumana umbolekisi ngezinga eliphantsi.
Umgangatho wenzala
Amaxabiso wenzala kwezi mboleko angakholeleki. Itayitile yemali mboleko ezenzekelayo ngokwesiqhelo yimali mboleko yexeshana, ehlala ngaphezulu kweentsuku ezingama-30. Ngenxa yoku, ababolekisi babiza iipesenti eziphezulu zokuqinisekisa ukuba wenza imali. Umyinge wepesenti abakunika wona uya kuba ngumyinge wenyanga, onokubonakala umhle ngaphezulu. Banokuthi ngeepesenti ezingama-20, kodwa lelo linani lenyanga. Kuya kufuneka uyiphindaphinde loo nto nge-12 ukuze ufumane inzala yonyaka, eya kuthi ibe ngama-240% e-APR. Oku akukho ngqiqweni kwaye kuyingozi yokwenene kwezi mboleko. Ukuba awukwazi ukuhlawula imali mboleko yakho ngexesha, uya kubona inzala yakho inyuka iye kwinqanaba eliphezulu.
Ixabiso
Isixa semali mboleko yetayitile yemoto sigqitywa lixabiso lemoto yakho. Umbolekisi uhlala ekuvumela ukuba uboleke ukuya kuthi ga kwisiqingatha sexabiso lemoto. Kungenxa yokuba ukuba uyasilela kwimali mboleko, baya kuyibuyisa imoto yakho bayithengise ngokwabo. Oko kushiya igumbi kubo ukuze baqiniseke ukuba bayabuya noko bahlawule imali mboleko. Qiniseka ukuba ufumana ixabiso elifanelekileyo lemali mboleko yakho. Banokufuna ukuba ukongeze i-inshurensi encinci emotweni, kuba baya kuyigcina isihloko ngelixa uqhuba imoto.
Iingozi
Njengoko ubona, kukho iingozi ezicacileyo ngolu hlobo lwemali mboleko. Ukuba uyasilela emva kwexesha, elihlala liintsuku ezingama-30, banelungelo lokuthatha imoto yakho. Nangona kunjalo, unokuvunyelwa ukongezwa, kwimeko apho uya kuba nexesha elininzi lokuhlawula. Uya kuthi emva koko uhlawule inzala ephezulu nangakumbi, kwaye ngamanye amaxesha uyakugcina uhlawule iphindwe kabini okanye kathathu into ebifanele ukubolekwa yona. Ukuba awukwazi ukuyenza loo nto, ungaphulukana nemoto yakho.
Ibandakanyeka njani itayitile yemoto?
Xa usenza isicelo sale mali-mboleko, imoto sisibambiso kwaye itayitile yemoto iya kugcinwa ngumbolekisi de ihlawulwe yonke imali mboleko. Ukufumana olu hlobo lwemali mboleko, kuya kufuneka ube nesithuthi sakho simahla ngaphandle kwayo nayiphi na enye imali okanye imali mboleko yemoto.
Jonga ukukhwabanisa
Kuba ezi mboleko zinomngcipheko omkhulu kakhulu, kuya kufuneka ulumkele ubuqhetseba. Ukuba uhlala emrholweni ukuya kuhlawulwa kwaye isivumelwano ngequbuliso siza esona silunge kakhulu ukuba singanyani, lumka. Ukuba ucinga ngezemali kuphela okwethutyana, unokucinga ukuba le mali-mboleko sisivumelwano esihle, kodwa ngaphandle kokuba ingxamisekile, kufuneka ulumke. Awufuni kuxinga ematyaleni anokuthatha iminyaka ukuhlawula.
Fumana iingcebiso kwimali mboleko yemali ezinkozo
Ukuba ufuna imali ngokukhawuleza kwaye ujonge imali mboleko yemoto, thetha nomcebisi ngezezimali kwaye ufumane iingcebiso. Unokwazi ukuza nesicwangciso esingxamisekileyo ukuze ukhusele iiasethi zakho kunokuba uzibeke emngciphekweni omkhulu. Ukuba unolwazi oluninzi kangangoko onakho malunga nezinto onazo kunye neemali-mboleko, akunakufane ufumane isivumelwano esibi kwimali mboleko. Uhlobo lwemali onokulufumana ngezi mboleko zisusela kwi- $ 100 ukuya kwi-1, 000 yeedola.
Fumana imali
Ukuba ufumana le mboleko, qiniseka ukuba ufumana kuphela isixa semali osifunayo. Ngamaxabiso kunye nemigaqo yemali mboleko, oku kuya kukunceda okwangoku. Awufuni kuhlawula imali mboleko kwiminyaka embalwa. Cinga malunga nokuba ufuna kangakanani, emva koko uphonononge ezakho iimali. Ngaba ikhona indlela yokunciphisa ubungakanani okanye ukulibazisa ukuthengwa kude kube ngumhla wokuhlawula olandelayo? Cinga ngento oyifunayo ngokwenene.
Iinkampani zeMali mboleko yeMali
Ukuba uzimisele ukuba ufuna imali ngoku, zama ukuyifumana kwinkampani eyaziwayo. Sukuphendula kwiintengiso ozibonayo kwi-intanethi. Kufanelekile ukuthatha ixesha elongezelelweyo uzama ukufumana isivumelwano esifanelekileyo kule mboleko.
IiNkxaso zeMoto ngqo
I-CarsDirect inceda abathengi abanengxaki yokuthenga ngetyala ukuba bafumane iimali-mboleko ezizenzekelayo kunayo nayiphi na iwebhusayithi elizweni. Inkampani isebenza nenethiwekhi yabathengisi abagxile kwimali mboleko yemoto. Umthengisi unakho ukufikelela kumaziko aliqela ezemali kwaye uza kuthengisa ngeenxa zonke ukuze afumane eyona nto intle. Gcwalisa nje a isicelo uya kuba usendleleni eya kufumana imali mboleko yemoto.
Uncedo lweemali-mboleko zetayitile yemoto
- Imali elula. Olona loncedo lukhulu kwimali mboleko yemoto, okanye isihloko semoto, kukuba unokufumana imali ngokukhawuleza. Eli lelona xesha likhawulezayo lokutshintsha imali mboleko. Amaxesha ngamaxesha, unokuba nemali yakho kwiintsuku zesivumelwano sakho. Kungenxa yokuba inkqubo yemali mboleko yemali ilula kakhulu. Umbolekisi kufuneka nje avavanye imoto yakho emva koko akuxelele ukuba uza kukunika malini. Ukuba uyayamkela, kuphelele apho. Uya kuba nemali yakho ngaphakathi kosuku okanye ezimbini kwiindawo ezininzi.
- Ukufaneleka ngokulula. Nabani na onemoto unelungelo lokubolekwa imali yemali. Imoto yakho isetyenziswa njengesibambiso semali mboleko. Kuyafana nokuboleka ekhayeni lakho, uboleka imali kwixabiso lemoto yakho. Ababolekisi bayakuvumela ukuba uboleke ukuya kuthi ga kwiipesenti ezingama-50 zexabiso. Oku kwenzelwa ukuba babenakho ukubuyisa imali yabo kwimeko apho ungayibuyisi imali mboleko.
- Akukho tyala liyafuneka. Elinye icandelo elikhulu lemali mboleko yemali eziinkozo kukuba ikhredithi yakho ayinamsebenzi. Kuba ngokwenyani usenza isivumelwano se-pawn, baqinisekisiwe kwimeko yokuba ungasenzi. Nabani na onokufumana imali-mboleko yemoto ezinkozo ngale ndlela, kuba imbali yakho yetyala ayizukuchaphazela amathuba okufumana imali mboleko oyifunayo.
Ukungancedi kwemali mboleko yetayitile yemoto
- Ungaphulukana nemoto yakho. Ukuba akwenzi njalo, kukho ithuba lokwenyani lokuba imoto yakho iyakuthathwa njengentlawulo. Nokuba ufike emva kwexesha ngolunye usuku, bangayithatha imoto yakho. Nje ukuba oku kwenzeke, ngekhe uphinde uyibone loo moto. Njengakuyo nayiphi na imali mboleko ebambiseneyo, uhlala usengozini yokuphulukana nale asethi.
- Inzala ephezulu. Iirhafu zenzala kwimali mboleko yemoto ezinkozo, okanye imali mboleko yesihloko semoto ezinkozo, ziinkwenkwezi. Banokuthi kuphela ngama-20 okanye ama-25 eepesenti, ngexesha apho ufuna imali ngokukhawuleza, unokuzimisela ukuhlawula. Nangona kunjalo, uninzi lwemali mboleko yemoto ezinkozo yimali mboleko yenyanga enye, yiyo loo nto. Oko kuthetha ukuba ujonge ukulingana neepesenti ezingama-300 zepesenti yonyaka (APR), ecekisekayo. Khawufane ucinge ukubhalisela ikhadi lamatyala nge-300 yeepesenti ye-APR. Akukho ndlela unokuyenza ngayo. Amanye amazwe athe, okanye azama ukudlulisa, imithetho eyenza ukuba kungabikho semthethweni kubabolekisi bemali-mboleko yemoto ukuba babe nekhulu leepesenti ze-APR. Ezinye iinkampani zinemida, kodwa imali mboleko yemali ezinkozo iyayiphepha imithetho yangoku. Ababolekisi kulindeleke ukuba bakuxelele ngenqanaba lenzala ngokwe-APR, nqanaba lenzala lonyaka. Khumbula, ukuba yintlawulo yenyanga,
- Ukuqengqeleka kwemali mboleko. Njengoko bekutshiwo ngaphambili, ezi zihlala zihlawulwa inyanga enye. Ukuthathela ingqalelo ukuba abantu abaninzi abafumana ezi mboleko banamatyala amabi, kunokwenzeka ukuba bangabinakho ukuyihlawula ngokukhawuleza. Oku kubangela oko kubizwa ngokuba lixesha lokuhlaziya. Inzala inyuka ngeli xesha. Oku kuguquka kube yinto ekhoyo okanye enokubakho kwimoto yakho. Ukuba ucinga ngale mali mboleko, qiniseka ukuba ungayihlawula ngexesha elivunyelweyo. Xa utyikitya igama labo, ubanika isihloko sakho kwaye uhlala ukhuphela izitshixo zakho. Ukuba awuhlawuli, banelungelo lokuthatha imoto yakho kuwe. Ngamanye amaxesha, ababolekisi bafaka iinkqubo zeGPS emva koko bazicima kude iimoto zabo bangahlawulanga ngexesha.
- Imirhumo eyongezelelweyo. Zininzi iifizi eziphambili, njengemali yokuqhubekeka kunye nemirhumo yamaxwebhu, eyongezayo. Eminye yimirhumo emiselweyo, nokuba ungakanani na imali mboleko yakho. Ukuba uboleka nje kancinci, kuya kufuneka uhlawule amakhulu ngaphambili.
- Ukhohlisiwe. Inkohliso yemali mboleko yemoto ezinkozo kukuba unokufumana imali ngokukhawuleza. Nangona kunjalo, nje ukuba uyifumane, kuya kufuneka uyibuyisele. Kufuneka ubulinganise ubungozi ngaphambi kokubandakanyeka. Cwangcisa kwangaphambili ukuze uqiniseke ukuba unemali yokuyibuyisa, kungenjalo unokuya kwimicimbi ethile yokwenyani.
Ezinye iindlela zetayitile mboleko
Jonga ezinye iindlela ngaphambi kokufumana imali mboleko. Olukhetho lungezantsi alunakuba nomtsalane, kodwa kunokuba ngcono kunokufumana ikheshi kwisihloko sakho.3
- Imali mboleko yomntu isenokuba lolona khetho lwakho ukuba ufuna imali-mboleko. Awudingi ukwenza isibambiso kwaye ungafumana ixabiso eliphantsi. Buza ibhanki yakho okanye umbutho wekhredithi malunga nemali mboleko enexesha elide.
- Amakhadi etyala Ayifane ibe yindlela efanelekileyo yokuboleka, kodwa ziimali-mboleko ezingakhuselwanga ezingenawo umngcipheko wokuhlawula.
- Ingeniso eyongezelelweyo Banokukunceda ukuba udlule kwimeko enzima. Ukuba ungathatha omnye umsebenzi, nokuba okwethutyana, amathuba uya kuwufumana. Umsebenzi owongezelelweyo usenokungabi mnandi kwaye ungenakwenzeka, kodwa kufanelekile ukuvavanya.
- Nciphisa iindleko Kulula ukutsho kunokuba kwenziwe, kodwa ukuba ukuzincama okwethutyana kunokukunceda uphume kwistake esilahlekileyo esingakhange sonakaliswe, mhlawumbi lolona khetho lubhetele.
- Hlisa udidi lwe imoto yakho ukuba unemoto ebiza kakhulu kunokuba ufuna. Unokwazi ukuqokelela imali ngokuthengisa loo moto, uthenga into engabizi kakhulu, kwaye ugcine umahluko.
Ukuba kuya kufuneka usebenzise imali mboleko yetayitile, cwangcisa indlela oza kuyibuyisa ngayo ngaphambi kokuthatha imali mboleko ukuze kungabikho nto ishiyekileyo. Ukuphelisa elo tyala kufanele kube yeyona njongo yakho iphambili yezemali.
Imithombo yenqaku
- Ulwazi loMthengi kwiKhomishini yoRhwebo kaRhulumente. Imali mboleko yesihloko esizenzekelayo . Ukufikelela kokugqibela: Disemba 17, 2019.
- Umanyano lwamatyala omkhosi wasemanzini. Imali mboleko yesihloko seMoto: Into ekufuneka uyazi . Ukufikelela kokugqibela: Disemba 17, 2019.
- Umthengi.gov. Imali mboleko yesihloko seMoto: Into ekufuneka uyazi , Ifikeleleke ngoDisemba 17, 2019.
- IOfisi yoKhuseleko lwezeMali zabaThengi. Ixesha elinye lokuhlawula imali mboleko yetayitile . Ukufikelela kokugqibela: Disemba 17, 2019.
- IOfisi yoKhuseleko lwezeMali zabaThengi. Imoto yam ithathiwe kwaye bandixelele ukuba izothengiswa , Ifikeleleke ngoDisemba 17, 2019.
Iziqulatho
- Imali mboleko yetayitile yemoto
- Isebenza njani iMali mboleko yesihloko esizenzekelayo
- Uphando
- Umgangatho wenzala
- Ixabiso
- Iingozi
- Ibandakanyeka njani itayitile yemoto?
- Jonga ukukhwabanisa
- Fumana iingcebiso kwimali mboleko yemali ezinkozo
- Fumana imali
- Iinkampani zeMali mboleko yeMali
- Uncedo lweemali-mboleko zetayitile yemoto
- Ukungancedi kwemali mboleko yetayitile yemoto
- Ezinye iindlela zetayitile mboleko