Ungayithenga kanjani imoto ngaphandle kwesikweletu? . Uma usanda kuthuthela e-United States, ungumfundi wasekolishi, noma awukaze uthathe isikhathi sokwakha i- umlando wesikweletu , ukuthenga imoto akuyona into engenakwenzeka.
Noma kunjalo, kungadinga ezinye ukuqhubeka kophenyo ukuqinisekisa ukuthi uthola ifayela le- ukunikezwa okungcono kakhulu okutholakalayo - okuyi, ngeshwa, okusazobiza kakhulu kunalokho uma ubunomlando wesikweletu osunguliwe nokahle. Yilokhu okudingeka ukwazi.
Ukuthi Ukungabi Nesikweletu Kuthinta Kanjani Inqubo Yokuthenga Izimoto
Ngaphandle kokuthi unemali yokuthenga imoto ngqo, uzodinga imali mboleko yokuxhasa ingxenye noma yonke intengo yokuthengisa.
Kodwa-ke, uma ungenawo umlando wesikweletu Kungaba nzima ukukholisa abanye ababolekisi ukuthi bakunikeze isikweletu. Lokhu kungenxa yokuthi umlando wesikweletu womuntu, kanye nesikweletu esikumele, kukhombisa ukuthi maningi kangakanani amathuba okukhokha izikweletu zabo ngesikhathi.
Uma ungenawo umlando wesikweletu, ababolekisi abanalo ulwazi oludlule lokubasiza ukuthi banqume ukuthi ungumboleki onomthwalo wemfanelo noma cha. Kubabolekisi abaningi, leyo ngozi iphezulu kakhulu, futhi bangasenqaba isicelo sakho.
Kodwa-ke, kunabanye ababolekisi bezimoto abagxile ekusebenzeni nabantu abanesikweletu esincane noma abangenalo nhlobo. Ngenkathi kungenzeka ukuthi uvunyelwe ukubolekwa imali ngabo, ungahlala ulindele ukukhokha imali ye- inzalo ephezulu kwimalimboleko yakho kuze kube yilapho usungazakhela umlando omuhle ngokwanele wesikweletu ukuze uphinde wenze imali mboleko ngokuzayo.
Noma ufanelekile Ungahle ukhawulelwe ezimotweni ezisetshenzisiwe isikhashana, ikakhulukazi ngoba izimoto ezintsha zivamise ukubiza imali ethe xaxa futhi ungahle ungafaneleki ukuthola imali mboleko enkulu ngokwanele ukuhlangabezana nentengo yokuthengisa.
Okokugcina, ukuba nesikweletu esibi kungaba nomthelela omubi emazingeni akho omshuwalense wemoto. Ezifundazweni eziningi, abomshwalense bezimoto basebenzisa lokho okubizwa ngokuthi yisikweletu somshuwalense osuselwa esikweletini ukusiza ukuthola isilinganiso sakho. Yize ingeke inyuse isilinganiso sakho yodwa, kungenzeka ngezinye izizathu. Kunoma ikuphi, ungalahlekelwa imali oyongile.
Uyithenga kanjani imoto ngaphandle kwesikweletu
Thenga imoto ngaphandle kwesikweletu . Uma ufuna imali mboleko yemoto futhi ufuna ukugwema ukusizakala ngayo, kunezinto ezimbalwa ongazenza. Nazi ezinye zezinketho ezinhle kakhulu zokuthenga imoto ngaphandle kwesikweletu.
Thola umuntu ozosayina naye
Uma unelungu lomndeni elithembekile noma umngani ozimisele ukufaka isicelo nawe, ungakwazi ukuthola imalimboleko yemoto ngisho nakwabanye ababolekisi bezimoto bendabuko abangahle bayicishe.
Lokho kungenxa yokuthi umuntu osayina naye unesibopho ngokomthetho sokukhokha isikweletu. Ngakho-ke umbolekisi uyazi ukuthi uma ungakhokhi, omunye umuntu obolekiswe ngemali enkulu amathuba okuthi akhokhe isikweletu ukuvimbela ukuthi isikweletu sakho singonakali.
Sesha yonke indawo
Kubalulekile ukuqhathanisa noma yimuphi umkhiqizo wezezimali, kepha kubaluleke kakhulu uma unesikweletu esibi. Kukhona ababolekisi abambalwa abakhokhisa inzalo eyeqile nemali ekhokhwayo, besizakala ngabantu abalangazelela ukuthola isikweletu futhi abazi konke abangakhetha kukho.
Musa ukukhokhela isikweletu sokuqala ositholayo . Hlola izinketho zakho kahle ukuthola imalimboleko yemoto evumelana kangcono nesimo sakho sezezimali, kusho uSean Messier, umhlaziyi wemboni yezikweletu kwaCredit Card Insider.
Ngokuqhathanisa izinhlobo ezahlukene zemalimboleko, uzoba nombono ongcono wokuthi yimiphi imigomo eyamukelekayo nokuthi yini engamukeleki. Amawebhusayithi afana ne-Auto Credit Express akuvumela ukuthi uxhumane nababolekisi abanedumela ngokuya ngesikweletu sakho, okwenza inqubo yocwaningo ibe lula.
Lapho usunababolekisi abambalwa ongaqhathanisa nabo, hlala kulokho okunikeza imigomo engcono kakhulu yesimo sakho.
Into eyodwa okufanele uyinake lapho uthenga imoto ngaphandle kwesikweletu ukuthengisa okunikeza imali ngaphakathi endlini. Lokhu kuthenga lapha, ukukhokha lapha abathengisi kwesinye isikhathi abakhangisi ngokuhlolwa kwesikweletu noma bathambekele ekungakhathaleli ukuthi umlando wakho wesikweletu ubukeka kanjani.
Kodwa-ke, laba badayisi bavame ukukhokhisa inzalo ephakeme kakhulu kunababolekisi ababi kakhulu, futhi ithuba lokululama ngokuvamile liphakeme. Futhi, kungenzeka bangabiki izinkokhelo zakho kuma-ejensi amathathu okubika ngesikweletu, angakusiza ukuthi wakhe umlando wakho wesikweletu futhi ufanelekele amanani angcono ngokuzayo.
Gcina ngenkokhelo enhle kakhulu
Abanye ababolekisi bezimoto abasebenza nababolekisi abangabolekisi ngesikweletu bangadinga inkokhelo enkulu ephansi ukuze banciphise ubungozi ababuthatha kwimalimboleko yabo. Kodwa-ke, uma unesikhathi sokonga okuningi, ungaqhubeka nokunciphisa ubungozi bakho besikweletu futhi wehlise izinga lenzalo yakho.
Futhi, uma ukhokha imali yakho ephansi, kulapho kuzodingeka uboleke okuncane futhi uzokhokha okuncane ngenzalo ngempilo yemalimboleko.
Cabanga ngezimali zomthengisi
Mhlawumbe uke wazibona izikhangiso kuyo yonke indawo: akukho sikweletu, akunankinga. Ngakho-ke uma ungumthengi onekhredithi embi noma ungenalo nelincane isikweletu ongalikhombisa, ungathola imalimboleko kumthengisi wakho wemoto ojwayelekile? Yebo, lokho kuncike kakhulu kumthengisi.
Uma ubhekene nomthengisi ohloniphekile, onophawu oluhle kakhulu onobudlelwano nomthengisi omkhulu wezimoto, kungakuhle kuwe ukuthi ushaye izingcingo ezimbalwa kumphathi wezezimali bese ucela imininingwane ethile mayelana nemalimboleko.
Kepha ungasebenza nomuntu ongenasikweletu? Futhi uma kunjalo, yini abazoyidinga kuwe ukuze unikeze le mboleko? Kungaba umlando womsebenzi wakho, noma mhlawumbe osayine ngokubambisana, kepha uma ungabanika abakucelayo, ungathola okuhle. Umthengisi ofanele angakwazi futhi ukukuqasha ngomshuwalense omuhle wemoto.
Cabanga ngamabhange omphakathi nezinyunyana zezikweletu
I- izinyunyana zezikweletu Noma amabhange amancane omphakathi angahle athambekele ekukubolekiseni uma amabhange amakhulu engenayo. Imfihlo lapha ukwazi ukuthi ubheke kuphi. Isibonelo, ungahle uthande ukusesha ababolekisi abanezinhlelo zokuqala zabathengi ekhaya. Lokhu empeleni kwakenzelwe abantu abanesikweletu esincane.
Njengoba bazobe bebheka ngale kwamaphuzu akho esikweletu, bangahle babe nentshisekelo kwezinye izinto: ukusimama emsebenzini, ukukhokha imali, izinkokhelo zezinsizakusebenza zanyanga zonke, nokuthi kungani ungenasikweletu ngalesi sikhathi. Uma kuyinto ethola ukuthi yamukelekile, ungakwazi ukuthola imali mboleko.
Izimalimboleko Zezimakethe
Namuhla, ungathola imakethe yakho konke, futhi lokhu kufaka nemalimboleko. Kulokhu, uzobe usebenza nomdayiseli, umuntu ozohlaziya idatha yakho yezezimali bese ethula imigomo yakho kubantu abangahle bakusekele. Bazonquma ukuthi bakunikeze imali mboleko noma cha, ngokuya ngolwazi abaluthole kumthengisi.
Ubuhle nobubi bokuthenga imoto ngaphandle kwesikweletu
Njengoba usuvele ubona, kungenzeka ukuthi uthole imoto engenawo umlando wesikweletu. Kodwa-ke, ngaphambi kokuqala inqubo, kubalulekile ukwazi izinzuzo nobubi bokwenza lokho.
Buhle
- Inzuzo: kungakusiza ukwakha isikweletu sakho Awukwazi ukwakha isikweletu ngaphandle kokuthatha isikweletu, futhi imali mboleko yemoto evela kumbolekisi obika imisebenzi ye-akhawunti kuma-credit bureaus ingaba isiqalo esihle.
- Inzuzo: Thola imoto uma uyidinga Uma ungakwazi ukulinda ukwakha umlando wakho wesikweletu ngenye indlela, ukuthola imalimboleko yemoto yesikweletu manje kungaholela emotweni manje.
- Inzuzo: ungaphinda ucubungule kamuva Ukungaboleki imali mboleko yemoto kuyabiza. Kepha njengoba wakha umlando wakho wesikweletu onyakeni olandelayo noma emibili, ungafaka isicelo sokuphinda ulawule imalimboleko yakho yokuqala, okungahle kube ngamanani wenzalo ephansi kakhulu kanye nemibandela engcono jikelele.
Nebubi
- Ububi: kuyabiza Noma uvikela ukuthenga lapha, Khokha lapha okuthengiswayo, ungagcina unenzalo engaphezu kuka-20% - into engiyibonile ngenkathi ngisebenza ngemali yezimoto. Ngokuya ngenani lemoto yakho nokuthi uboleka malini, ungagcina ukhokha inzalo enkulu njengoba wenza emotweni.
- Ububi: Udinga imali ethe xaxa yokukhokha phansi Kuzoba nzima ukuthola umbolekisi ozokukhokhela imoto ngaphandle kokukhokha phansi. Eqinisweni, isikhathi esiningi badinga inkokhelo ephansi kunejwayelekile ukuthola imali mboleko. Kodwa-ke, awukho umthetho onzima nosheshayo, ngakho xhumana nababolekisi ngaphambi kokufaka isicelo sama-tern.
- Con: Ubungozi bemikhonyovu nababolekisi abadlayo Baningi abakhohlisi nababolekisi abadlayo abasizakala ngabantu abakholwa ukuthi abanakho okunye abangakwenza. Uma ucelwa ukuthi ukhokhe imali ngaphambi kokuya nakubathengisi noma imigomo yemalimboleko ibonakala inzima (amathani wezimali namanani wenzalo ka-30% noma ngaphezulu), lawo amafulegi amakhulu abomvu.
Cabanga ukulinda kuze kube yilapho usungula umlando wesikweletu
Uma ungenakho ukugunyazwa futhi ungakwazi ukulinda isikhashana ngaphambi kokuba udinga imoto, cabanga ukuthatha isikhathi sokwakha isikweletu futhi usungule isikweletu esihle ngaphambi kokufaka isicelo semalimboleko yemoto.
Enye indlela yokwenza lokhu ngokwengeza njengomsebenzisi ogunyaziwe ku-akhawunti yekhadi lesikweletu yelungu lomndeni noma lomngani. Uma i-akhawunti inomlando omuhle wokukhokha nebhalansi ephansi, ungathola izinzuzo zesikweletu ze-akhawunti ngaphandle komthwalo wokukhokha ibhalansi.
Enye indlela ukuvula i-akhawunti yakho yekhadi lesikweletu. Ikhadi lesikweletu eliphephile liyindlela ejwayelekile kubantu ngaphandle kwesikweletu. Lawa makhadi asebenza ngendlela efanayo namakhadi wesikweletu ajwayelekile, kepha adinga idiphozi yokuphepha engaphambili, ongayibuyisa ngemuva kokubonisa ukusetshenziswa kahle kwekhadi lesikweletu noma lapho uvala i-akhawunti yakho.
Uma ufuna ukugwema idiphozi, kunezinketho ezithile ezingavikelekile ezingezimbi, njengeDeserve Classic Mastercard nekhadi lePetal Visa. Lawa makhadi enzelwe abantu abangenawo umlando wesikweletu futhi angakusiza ukwakha isikweletu ngokuwasebenzisa njalo futhi ukhokhe isikweletu sakho ngesikhathi inyanga ngayinye.
Gcina umlando wokukhokha ngesikhathi ngazo zonke izindlela, kusho uMessier, ngoba lesi yisici esibaluleke kakhulu ekunqumeni amaphuzu akho esikweletu.
Okokugcina, cabanga ukuthola imalimboleko yokwakha isikweletu, engakusiza ukwakha umlando wesikweletu ngaphandle kwamanani wenzalo amabi.
Ngemuva kokuthi wakhe isikweletu okungenani izinyanga eziyisithupha, uzothola amaphuzu esikweletu e-FICO, angasiza ekuthuthukiseni amathuba akho okuthola imali mboleko yemoto ngendlela efanele. Uma isikolo sakho singama-670 noma ngaphezulu , kuzobhekwa njengokuhle, okuzovula izinketho zakho nakakhulu.
Okufanele ukwenze uma ungakwazi ukulinda
Uma ungenasikhathi sokusebenzela ukwakha umlando wakho wesikweletu, cabanga ukuthola imalimboleko yemoto manje kumbolekisi owaziwayo bese ugxila ekwakheni isikweletu sakho ezinyangeni eziyisithupha ezizayo kuze kube unyaka. Lapho amaphuzu akho esikweletu esezingeni elihle, ungafaka isicelo sokuphinda ubolekise imali mboleko, engakongela imali eningi uma iza nenzalo ephansi.
Kodwa-ke, ngenkathi uthenga, zama ukukwenza ngokushesha.
Ngenxa yezinqubomgomo ezithile zokubika ngesikweletu, uma ufaka isicelo semalimboleko eminingi yezimoto ngesikhathi esifushane, kuphela uphenyo olunzima oluzobalwa kumaphuzu akho esikweletu, kusho uMessier.
Le nkathi ivame ukuthatha izinsuku eziyi-14, kepha kwesinye isikhathi iba yinde.
isiphetho
Ukuthola imali mboleko engakhokhi ngesikweletu kungahle kungabi lula futhi kungathatha isikhathi eside. Kodwa-ke, ngokubekezela, ungathola okuhle, noma ngabe awusona isakhamuzi sase-US. Kumele uthole umbolekisi ofanele ozokusiza.
Okuqukethwe
- Uyithenga kanjani imoto ngaphandle kwesikweletu
- Thola umuntu ozosayina naye
- Sesha yonke indawo
- Gcina ngenkokhelo enhle kakhulu
- Cabanga ngezimali zomthengisi
- Cabanga ngamabhange omphakathi nezinyunyana zezikweletu
- Izimalimboleko Zezimakethe
- Ubuhle nobubi bokuthenga imoto ngaphandle kwesikweletu
- Buhle
- Nebubi
- Cabanga ukulinda kuze kube yilapho usungula umlando wesikweletu
- Okufanele ukwenze uma ungakwazi ukulinda