Ngaba imoto esandula ukuthengwa ingabuyiselwa? . Ndifuna ukutshintsha imoto yam enye. Wonke umntu wenza iimpazamo. Ukuthenga imoto sisigqibo esikhulu, kwaye kubalulekile Cinga ngotyalo-mali lwakho ngononophelo . Ukuba uthenge imoto ngelo xesha okanye unayo utshintsho olukhulu kwiimeko Emva kokuba ufumane imoto, usenokuphinda ucinge ngokuthenga kwakho. Ukuba uyazisola ngesigqibo sakho, unokubuyisela imoto kumthengisi . Ukuba imoto ineengxaki ezibonakalayo zoomatshini, isenokuba lilungelo lakho ukuyibuyisa .
Ungayibuyisa imoto esandula ukuthengwa?
Ndingayitshintshisa enye imoto yam? Ukuba uthenge imoto kutshanje, ungayibuyisela kumthengisi. Nangona kunjalo, kuxhomekeke kumthengisi. Jonga ukuba umthengisi unayo umthetho WOKUBUYISA . Ukuba iyenzeka, landela imigaqo-nkqubo yokubuya xa ubuyisa imoto. Ukuba umthengisi akanamgaqo-nkqubo wokubuyisa, kuxhomekeke kubo ukuba bayayamkela na imbuyekezo okanye hayi.
Qala ngokunxibelelana nomntu obusebenza naye xa uthenga imoto. Chaza ukuba ungathanda ukusibuyisa njani isithuthi. Kusenokufuneka thetha nomphathi okanye umnini wevenkile . Yenza ityala lakho kwaye ubone ukuba bayakwamkela ukubuya. Ukuba unako ukuhlawula imoto encinci, thetha nabo malunga tshintshela kwimoto enexabiso eliphantsi . Banokusebenza nawe njengoko beya kuba nokuthenga imoto ezincwadini.
Ukuba uthengise ngemoto xa uthenga isithuthi sakho, ngekhe ubenakho ukuyifumana kwakhona. Ukutshintshiselana kuhlala kuthengiswa kwifandesi, kwaye inokuba yenzekile ngexesha ubuyisa imoto entsha.
Imithetho yeelamuni
Inkqubo ye- imithetho yelamuni khusela abathengi abathenga isithuthi esineziphene ezibonakalayo . Ukuba imoto yakho inesiphene, inyathelo lokuqala kukunxibelelana nomthengisi. Baza kuzama ukulungisa isithuthi. Kuxhomekeke kwimithetho ekwilizwe lakho, banokufuna ukulungiswa enye okanye ngaphezulu kwamaxesha Phambi kokuba sinyanzelekile ukuba siyithathe okanye sikubuyisele imali . Ingxaki ngemoto nayo kufuneka ibekhona ebalulekileyo . Ingxaki encinci, enje ngesiphatho somnyango esaphukileyo, ayisayi kuba sisizathu sokutshintsha okanye ukubuyiselwa imali phantsi komthetho welamuni.
Olunye ukhetho
Ukuba umthengisi akazimiselanga kuyamkela imbuyekezo kwaye imoto ixhaswa ngemali , unokukhetha ezimbalwa. Inye kukwenza ifayile ye- ngokuzithandela ukutshintshwa kwesithuthi . Oku kuthetha ukuba ubuyisela imoto kwinkampani eyayixhasayo . Inkampani yezezimali Siza kuyithengisa imoto kwifandesi . Ukuba isixa semoto esithengiselwe sona singaphantsi kwebhalansi yakho yemali mboleko, uya kuba noxanduva lokwahluka . Ukongeza, umbolekisi uyakuthi anike ingxelo yokuthinjwa kwakhona kumaziko agcina ityala, kwaye oku iya kuba nefuthe elibi kumanqaku akho etyala kunye nembali yakho yekhredithi .
Ungayithengisa nemoto . Nangona kunjalo, kunzima ukuthengisa imoto ngemali mboleko engekahlawulwa. Ngaphambi kokuqhubeka, Nxibelelana nombolekisi wakho ukuze ubone ukuba akukho manyathelo athile ekufuneka uwathathile . Kunokuba nzima ngakumbi ukuthengisa imoto ngaphandle kwesihloko esicacileyo, kodwa unokufumana umthengi ozimisele ukusebenza nawe. Nangona kunjalo, iimoto ezintsha zehla ngokukhawuleza , kunganzima ke ukuthengisa imoto ngemali eyoneleyo ukukhusela ibhalansi yemali-mboleko .
Ukubuyisa imoto esele isetyenzisiwe kwiintsuku ezingama-30
Ngokubanzi, abathengisi abanomgaqo-nkqubo wokubuyisa baya kukuvumela ukuba ubuyise imoto esele isetyenzisiwe kwiintsuku ezingama-30 . Nangona kunjalo, ayingabo bonke abasasazi abaya kuba nomhla obekiweyo wokubuya. Umzekelo, iVal-U-Line® inePolisi yokuBuya yeMibuzo ekuvumela ukuba ubuyisele imoto oyisebenzisileyo oyithengileyo kuthi ngeentsuku ezintathu okanye iimayile ezingama-300.
Abanye banokunikela ixesha elide okanye elifutshane lokubuya kwezithuthi. Kwakhona, abanye abanakho nokubonelela ngomgaqo-nkqubo konke konke. Ke ngoko, ukuba ufuna imoto esele isetyenzisiwe, kungcono ujonge kumthengisi wakho wasekhaya ngolwazi oluthe kratya malunga nokubuyisa isithuthi sakho, ukuba sikhona.
Uyibuyisela njani imoto esetyenzisiweyo kumthengisi wakho wasekuhlaleni
Ukuba uthenge isithuthi kwindawo ebuyisa imbuyekezo, inkqubo yokubuyisa okanye yokutshintsha isithuthi sakho ilula. Nangona kunjalo, kukho izinto ezimbalwa ekufuneka uzazi ngaphambi kokubuyela kumthengisi.
Umzekelo, kubalulekile ukuba uqiniseke ukuba unawo onke amaxwebhu owanikiweyo ukususela kwixesha lokuqala uthenge imoto oyisebenzisileyo. Ukuba namaxwebhu akho xa sele ukulungele ukubuya kuyakwenza ukuba inkqubo ikhawuleze kwaye ibelula.
Kufuneka uthathe ixesha lokuqinisekisa ukuba imoto yakho ikwimeko entle ngaphambi kokubuya. Ukuba kukho ibala, isifotho, okanye ukukrwela kwimoto yakho ebingekho xa uyithengile, licebo elilungileyo ukuyilungisa ukunqanda iingxaki ezinokubakho ngexesha lokubuya.
Okokugqibela, ukuba unemibuzo malunga nendlela yokubuyisela imoto esetyenzisiweyo kumthengisi, ungathandabuzi ukubuza. Nokuba unomdla wokufumana into oyifunayo ukwenza imbuyekezo okanye ufuna ukuthatha esinye isithuthi kuvavanyo lokuqhuba.
Iingcebiso zokubuyisa imoto esele isetyenzisiwe
Ngelixa inkqubo yokubuya kwemoto esetyenzisiweyo ilula ngokulula, kukho iingcebiso ezimbalwa zokugcina engqondweni ukwenza amava akho alula kwaye abe lula ngakumbi. Ezi zezinye zeengcebiso ezibalulekileyo ekufuneka uzigcine engqondweni:
1. Yiza namaphepha akho. Xa ubuyisela imoto oyisebenzisileyo kumthengisi, qiniseka ukuba unawo onke amaxwebhu ukusukela xa wawuyithengile. Oku kuya kulungiselela ukukhutshwa kolwazi lwakho kunye nenkqubo yokubuyisa.
2. Qiniseka ukuba imoto ikwimeko entle. Ukwenza imbuyekezo, isithuthi kufuneka sibe kwimeko obukuso xa usithenge. Ukuba ikrwitshiwe okanye ikrwitshiwe okanye ukuba ingaphakathi ibonakele ukusukela oko uyithengile, nceda ulungise loo micimbi ngaphambi kokuba uyibuyise.
3. Cinga ngotshintsho. Nokuba kutheni uthathe isigqibo sokuyibuyisela kumthengisi imoto yakho, kuhlala kungumbono olungileyo ukujonga uluhlu lomthengisi. Ukuba sikhona esinye isithuthi esikulungele ngakumbi, unokukwazi ukuqhubekeka nembuyekezo njengotshintshiselwano. Kule meko, uya kuba nakho ukuqhubela ekhaya emotweni ekulungeleyo. Into ekufuneka uyenzile kukuhlawula umahluko xa kukho imfuneko.
Ingcebiso yokugqibela
- Imithetho yelamuni yelizwe ikhusela abathengi kwiziphumo zokuthenga imoto ngeengxaki ezinkulu zoomatshini. Nxibelelana neofisi yommeli jikelele ukuze ufumane ulwazi ngemithetho yelamuni.
- UChrysler ubonelela abathengi ngeentsuku ezingama-60 zokuthenga ngaphandle komngcipheko. Ngexesha leentsuku zokuqala ezingama-60 emva kokuthenga uninzi lwezithuthi zakwaChrysler, abathengi banokubuyisela isithuthi kumthengisi. Umboleki akazukufumana mbuyiselo yelayisensi, itayitile, ubhaliso, iirhafu, i-inshurensi, iifizi zomthengisi, iiwaranti ezandisiweyo, iintlawulo zezemali, kunye nokulingana okungalunganga kwisithuthi. Ukongeza, abathengi kufuneka bahlawule iisenti ezingama-40 ngeyure kwimayile nganye eqhutywa ukuya kuthi ga kumawaka angama-4,000 eemayile. Izithuthi ezibuyisiweyo azinakuba nomonakalo ongaphezulu kwe- $ 200.
Izalathiso
- Investopedia: Ukhetho xa ungekhe uhlawule kwimoto yakho kwakhona
- NOLO: andinakukwazi ukuhlawula intlawulo yemoto yam. Ndingayibuyisela imoto ebhankini?
- Edmunds: Ungayibuyisa imoto oyithengileyo?
- ICredit.com: Imoto yam entsha sisiqwenga se-junk. Ndingayibuyisela kumthengisi?
- NOLO: Umthetho weLemon yeLemon
Iziqulatho