Ngaba imoto esandula ukuthengwa ingabuyiselwa?
Kusasa emva kokuba uthenge imoto yakho entsha kwaye uvuka uye iqhina esiswini . Imoto ngequbuliso ibonakala kakhulu kwiimfuno zakho, iintlawulo zenyanga ziphezulu, kwaye uthenge iwaranti ebiza kakhulu . Ibali elifutshane, uyafuna ukubuyisa imoto .
Uninzi lwevenkile likuvumela ukuba ubuyise iimpahla kunye neemveliso zokubuyiselwa imali ukuba uyazisola ngokuthenga. Kodwa akunakwenzeka njalo iimoto ezintsha , apho ukubuyela kunye nokubuyiselwa kwemigaqo-nkqubo kunye nemithetho idume ngokungqongqo. Nangona kunjalo, abantu abanomvandedwa womthengi basibuza ngalo lonke ixesha: Ndingayirhoxisa intengiselwano?
Xa kuziwa kwiimoto ezintsha, iimpendulo zezi hayi kwaye mhlawumbi . (Ukuba ungumthengi we iimoto ezisetyenzisiweyo , unokuba nethamsanqa elingcono xa buyisa imoto , kodwa konke kuxhomekeke kwifayile ye- imeko endihlala kuyo nemigaqo-nkqubo yomthengisi ngamnye).
Kwiimoto ezintsha, amalungelo akho asemthethweni angashwankathelwa kwibinzana elifunyenwe eludongeni lweeofisi ezininzi zentengiso: Akukho xesha lipholileyo.
Umgaqo 'wokupholisa'
Usenokuba uvile ukuba kukho ifayile ye- lawula umanyano lwe ukupholisa ezinye izinto ezithengiweyo. Umthetho onjalo ukhona, kodwa eyona njongo yayo iphambili kukukhusela abathengi kuxinzelelo oluphezulu lokuthengisa indlu ngendlu. Ayisebenzi ngokucacileyo kwiimoto. Ukuba utyikitye isivumelwano sokuthengisa, yeyakho imoto. Kwaye umthetho ukwicala lomthengisi.
Ke unokwenza ntoni ngeqhina esiswini sakho? Kulapho kungena khona mhlawumbi. Ngokusisiseko, kuxhomekeke kumthengisi ukuba isivumelwano sisonjululwe. Ngelixa abanini bamashishini befuna ngokucacileyo abathengi ukuba yaneliseka Ukulungisa ukuthengwa kwemoto yintloko ebiza kakhulu kumthengisi weemoto. Kodwa kukho amaxesha apho kuyinto elungileyo ukuyenza. Leyo ngumbono wombono ochazwe kwi Ukukhulula isivumelwano , inqaku kwisithuba somthengisi, I-F & I y Igumbi lokubonisa , ebhalwe nguMarv Eleazer, iGosa eliyiNtloko kwezeziMali laseLangdale Ford eValdosta, eGeorgia.
Ngaba ungakulungisa ukuthengwa kwemoto entsha? Iimpendulo zalo mbuzo 'hayi' kwaye 'mhlawumbi'.
Ethetha nabanye abaqeqeshi bezentengiso, u-Eleazer ubhala: Kukho iimeko apho kufuneka siginye ikratshi lethu kwaye sinyamezele ubunzima bokuvala isivumelwano. Iyaqhubeka nokujongana neemeko ezithile: ukuba imoto ayenzi njengoko ethembisile, ukuba umthengi uchaze amanqaku akho ngetyala, kwaye ukuba umthengisi uthembise kakhulu wasilela ekuthobeleni isivumelwano.
Ngokucacileyo, ukulungisa isivumelwano yindawo engwevu, kwaye kuya kufuneka uye kumthengisi ngononophelo ngesicelo esinjalo. Nangona zonke iimeko zahlukile, masiqwalasele iimeko ezintathu eziqhelekileyo.
‘Ndizisola ngomthengi’
Uninzi lwabathengisi beemoto abanayo imigaqo-nkqubo ebhaliweyo ekuvumela ukuba usiphelise isivumelwano sokuthenga osisayinileyo. Oku kuthetha ukuba uncedo lwakho kuphela kukukhusela ityala lakho. Ungatsho ukuba ufumanise ukuba awuyithandi imoto okanye izakulolula uhlahlo-lwabiwo mali lwakho kwaye ikubeke engxakini yemali.
Ukuba unesazela somthengi, ungatsalela umninimzi imbeko kuqala, kodwa zilungiselele ukunxibelelana nomntu ophezulu kulawulo lweshishini, njengomphathi wentengiso, umphathi jikelele, okanye umnini. Kuphela kukuqonda komthengisi ukuba ukuthengwa akwenziwanga. Yenza umnxeba wakho ngosuku lweshishini endaweni yempelaveki.
'Ndiqhathiwe'
Ukuba umthengisi wemoto osebenze naye akazange azigcine izithembiso zakhe okanye ukuba ukrokrela ubuqhetseba, unokuba netyala. Kodwa musa ukwenza izityholo zasendle nezingachananga. Endaweni yoko, sebenzisa nawaphi na amaxwebhu onokuwafumana.
Abathengi abagxeka amaxabiso, ubuncinci, banetyala. Ukulungiselela kunye nophando kubalulekile kuthengiso olukhulu kangako, kwaye ukuba usecaleni kwesivumelwano kwigumbi lokubonisa kwaye ucinga ukuba awunalo ulwazi olwaneleyo lokuqhubeka, sukuyenza. Kungcono ungayithengi imoto kunokuphikisana, emva kwenyani, yokuba uhlawule kakhulu. Okona kubheja kwakho kukwenza amaxabiso akho kwi-intanethi kwaye ubambe isivumelwano esibuhlungu kunye nomphathi wentengiso weintanethi.
‘Ndinelamuni’
Kuthatha ixesha kunye nokuphindwaphindwa ukutyelela ibhegi yenkonzo ukumisela ngokusemthethweni ukuba imoto yi ilamuni yesithuthi esiya kuqwalaselwa phantsi kwe Umthetho weLamuni . Qiniseka ukuba uphonononge imithetho yelamuni kwimeko yakho ukunceda ukumisela ukuba le yeyona nto kufanelekileyo. Kodwa ngamanye amaxesha umthengi ugqibe ngokukhawuleza ukuba imoto inesiphene kwaye ufuna ukuyitshintshela kwenye okanye ayirhoxise.
Kwiimeko apho kukho ingxaki ecacileyo ngemoto entsha, umthengisi uya kuhlala eyilungisa phantsi kwewaranti. Ukuba akukho waranti, njengoko kunjalo ngeemoto ezininzi esele zisetyenzisiwe, usengatyhala ukuba imoto ilungiswe. Inkuthazo yomthengisi yokwenza ulungiso olunje kukwakha ukuthanda okuhle kunye nokutsala abathengi abaphindayo.
Umbono womthengisi
Kuyanceda ukuqonda indawo yomthengisi ukufikelela kwisisombululo esamkelekileyo kule ngxaki. U-Eleazer uxelele uEdmunds: Akukho ngxaki ayinakusonjululwa xa abantu bethatha indlela yabantu abadala. Abathengisi bafuna ngokwenene ukuphinda ishishini kwaye baye kubude obude ukudala imeko ekhuthaza ubudlelwane bexesha elide kunye nabathengi babo.
Yongezwe: Eyona ndlela yokusombulula oku kungavisisani kukuba ubuyele kumthengisi kwaye ucele ukuthetha nomphathi ngelizwi elizolileyo. Umdlalo kunye nokukhwaza akunangqondo. Cela uncedo ewe.
Kwiimeko zokuzisola komthengi, mhlawumbi ukuba umntu uthenge imoto eninzi kakhulu kuhlahlo-lwabiwo mali, u-Eleazer uthe umthengisi unokuzimisela ukuyifaka kwisithuthi esinexabiso eliphantsi lokuthenga. Kodwa abasasazi abanyanzelekanga ukuba benze njalo ngokusemthethweni okanye ngokuziphatha.
Ukuba awufumani ukwaneliseka
Ukuba izikhalazo zakho zibaleka nzulu, okanye ukhalaze kumthengisi akukho nto, zisekhona izinto ezimbalwa onokuzenza. Ngokucacileyo, unokuqesha igqwetha kwaye umangalele umthengisi. Kodwa oku kuyabiza kwaye kudla ixesha. Ke makhe sijonge kwezinye iindlela.
Ungasifaka isikhalazo ngokuchasene nomthengisi ngokusebenzisa iiarhente zikarhulumente nezasekhaya. Yiya kwiwebhusayithi yeSebe lezeMoto zikarhulumente wakho ukuze ubone ukuba ikhona na indlela yokufaka isikhalazo.
Iofisi yommeli jikelele wakho yenye indawo yokujonga ulwazi ngokugcwalisa isikhalazo ngokuchasene nomthengisi weemoto. Umbutho weSizwe wamaGqwetha Jikelele udwelisa amagqwetha karhulumente kunye newebhusayithi kwiiofisi zabo. Ukusuka apho unokufumana ulwazi malunga nemithetho kunye nenkqubo yesikhalazo.
Enye indlela yiBusiness Business Bureau. Ngokufanelekileyo, ixesha lokuqinisekisa izikhalazo zabathengi kwindawo yokuthengisa ngaphambi kokuthenga imoto. Okufanayo kuya kumanqanaba omthengisi kunye nokuphononongwa kunye nokunye ukuphononongwa kwi-Intanethi njengalezo zithunyelwe kuGoogle okanye kuYelp. Kodwa emva kwenyani, unokufumana i-BBB ukubeka uxinzelelo kumthengisi ukusombulula imbambano. Ngaphezulu kwelo, isoyikisela ukunika umthengisi ireyithingi embi okanye ukuphononongwa kwi-Intanethi, okanye kuvavanyo lokuvelisa emva kokuthenga, kunokuthatha ubunzima.
Phepha ingxaki
Ngelixa usenokukwazi ukunyanzela umthengisi ukuba abuyise imoto, kungcono kakhulu ukubuphepha obu bunzima kwasekuqaleni. Ukuba awuqhelananga nekhontrakthi yokuthengisa, nceda ucele ukuba ithunyelwe nge-imeyile ngaphambi kokuba ufumane ukuhanjiswa. Nokuba umphathi wezezimali uthatha ifoto yephepha lesivumelwano kunye nokuthumela kuwe nge-imeyile okanye ngombhalo njengomfanekiso, ikunika ithuba lokuyijonga kwakhona nawo onke amaxabiso.
Xa iimpendulo zesicelo sakho sokuvala isivumelwano zinokuthi hayi okanye mhlawumbi, kungcono ungaze uzibeke kwindawo yokubuza. Kuphephe ukunqamka ekubeni ngumthengi wemoto olungeleyo owaziyo amaxabiso eemoto, ofunda ikhontrakthi yentengiso ngononophelo, kwaye ayihlole kakuhle imoto ngaphambi kokuthatha ubunini.
Iziqulatho