Isebenza Kanjani Imali Eyizimele? . NgoJanuwari 2020, izindleko ezijwayelekile zemoto entsha kwaba $ 37,851 Ngokusho kwabahlaziyi bezimboni I-Kelley Blue Book - ngakho-ke uma ufana nabaningi bethu, kuzofanela ukwenze thola imali yokwenza iphupho lakho lifezeke . Ukuxhaswa ngemali kwezimoto kusebenza ngemalimboleko evela esikhungweni sezezimali noma omunye umbolekisi ukumboza izindleko ezigcwele zokuthenga kwakho.
Kuyini ukuxhasa ngezimali okuzenzakalelayo?
Uma uxhasa imoto ngemali, isikhungo sezezimali sikuboleka imali oyidingayo ukukhokhela imoto ngendlela yesikweletu sesitolimende. Imvamisa kuzofanele ukwenze khokha phansi ilingana nephesenti lenani lemalimboleko bese ukhokha imali esele yenani lokuthenga lemoto esikhathini esibekiwe (isikhathi semalimboleko) ukukhokha njalo ngenyanga.
Njenganoma iyiphi imali mboleko, ababolekisi bezimoto benza imali ishaja inzalo mayelana nemalimboleko nezimali ezengeziwe zokucubungula nokukhishwa kwemali mboleko. Imoto uqobo lwayo isebenza njengesibambiso semalimboleko, okusho ukuthi umbolekisi unelungelo lokuthatha (ukuphumula) imoto yakho uma ungakwazi ukuhlangabezana nezinkokhelo zakho.
Ngubani onikela ngemali ezenzakalelayo?
Ungathola ukuxhaswa ngemali ngezikhungo ezahlukahlukene zezezimali. Amabhange nezinyunyana zezikweletu yizindawo ezivamile zokuthola imali mboleko yemoto. Uma unombono ojwayelekile wokuthi imoto oyifunayo izobiza malini, ungaxhumana nebhange lakho noma inyunyana yakho bese uthola imvume ngaphambi kokuthola imali mboleko.
Bazokunikeza incwadi eqinisekisa inani ongaliboleka kanye nezinga lenzalo. Mane ukhumbule ukuthi amanani wenzalo angashintsha kancane lapho uthenga imoto futhi ibhange noma inyunyana yezikweletu yenza isheke eligcwele lesikweletu ukuqedela imvume yakho yemalimboleko.
Ungathola futhi ababolekisi bezimoto abaku-inthanethi abangakufanisa nemalimboleko yemoto ehamba phambili ngezidingo zakho. Lezi zingosi ngokuvamile zikuvumela ukuba uqhathanise okunikezwayo okuvela kubabolekisi abahlukahlukene ukuthola okukusebenzelayo.
Enye indawo yokuthola imali ukuthengisa okuzenzakalelayo uqobo. Abathengisi bangahlelela imali kuwe ngokusebenzisa ababolekisi abavela eceleni; Uzofaka isicelo semalimboleko kumthengisi bese uvunywa khona lapho. Lokhu kungabiza okungaphezulu kokuthola imali mboleko uwedwa, njengoba abathengisi ngokuvamile benza inzuzo ethile ezindlekweni.
Abanye abathengisi banikela ngezimali zabo ezindlini. Eyaziwa ngokuthi ukuthenga lapha khokha lapha imali, lokhu kuyinto okufanele uyigweme uma kungenzeka. Lezi zimali mboleko zenzelwe abantu abanesikweletu esibi, ngakho-ke amazinga wenzalo nezidingo zokukhokha eziphansi zivame ukuba phezulu kakhulu.
Uma ulinda uze uthandane nemoto ethile ukufaka isicelo sezimali zabathengisi, kungenzeka ukuthi uvume imigomo yemalimboleko engaphansi kokufanele. Kungakho ukuthola ukuvunyelwa kwangaphambili kwemali mboleko yemoto uwedwa ngaphambi kokuvakashela indawo oyidayisayo kungaba umqondo ohlakaniphile. Uhlome ngemibandela yemalimboleko yakho evunyelwe ngaphambilini, ungaxoxisana ngamatemu angcono futhi uthole imalimboleko yemoto efanele ngezidingo zakho.
Amathiphu wemalimboleko ezenzakalelayo
Ukuthenga imoto kungenye yezimali ezinkulu kunazo zonke owake wazenza, okwesibili ukuthenga ikhaya. Ngenkathi ukukhokha ngokheshi kungaba kuhle, iqiniso ukuthi abantu abaningi badinga imali mboleko yokukhokhela imoto yabo, noma ngabe yintsha noma isetshenzisiwe. Njengokuthile okuthola inzalo njengoba ukhokha ngokuhamba kwesikhathi, kubalulekile ukuthi uzilungiselele ngaphambi kokufaka isicelo semalimboleko yemoto.
Ngaphambi kokuqala inqubo yakho yokuthenga imoto, kunezinto ezithile ezibalulekile okufanele uzazi ngemalimboleko yemoto.
Yazi isilinganiso esifanele sesikweletu
Amaphuzu akho esikweletu ayinto ebaluleke kakhulu ekunqumeni ukuthi yiluphi uhlobo lwemalimboleko ozokwazi ukuluthola kumbolekisi. Noma ngabe udlula ebhange, umthengisi wemalimboleko yemoto, noma umthengisi uqobo, isilinganiso sizoncika kuso.
Qaphela ukuthi akubona bonke ababolekisi abasebenzisa, noma ababheke, uhlelo olufanayo lokufaka amagoli: Ababolekisi abahlukile banezinqubo ezihlukile, ngakho-ke amaphuzu amancane adingekayo ukuze afaneleke azohluka ngokuya ngenkampani enikeza imali, kuya ngokuthi Buza i-Experian .
Izikolo ezahlukahlukene zifaka phakathi i-FICO Auto Score 8 neVantage Score 3.0. Yazi ukuthi imaphi amaphuzu ababolekisi obakhathalelayo obakhathalelayo futhi bawasebenzise ukuthola ukuthi yimiphi imibiko oyicelile. Uma ungawazi amaphuzu akho esikweletu, ungafinyelela ikhophi yombiko wakho wesikweletu kusuka kumahhovisi amathathu amakhulu okubika mahhala. Bonke abathengi bavunyelwe ikhophi eyodwa ngonyaka ka- lvsangami.co.uk .
Faka isicelo semalimboleko esikhathini esiyizinsuku eziyi-14
Isikweletu sakho sizokwehla kancane lapho ababolekisi behlola umlando wakho wesikweletu, kepha ukugcina inqubo yakho yokufaka isicelo kungakapheli isikhathi samasonto amabili kusiza ukunciphisa umthelela omubi, ngokusho kongoti bezikweletu ku Auto.Loan - Imfihlo iningi lababolekisi ngeke likutshele. Kungani kunjalo? Isikhathi sokuthengwa kwamaphuzu we-FICO siyizinsuku eziyi-14, ngakho-ke yonke imibuzo eyenziwe ngaleso sikhathi izobhekwa njengenye, ukunciphisa umthelela esikolo sakho.
Thola ukuvunywa kwangaphambili, bese uthenge
Kuhlala njalo kungcono ukungena endaweni ethengisa izimoto unikezwa imali evela ebhange noma kumbolekisi ngesandla. Ukunikezwa okuvunyelwe kusengaphambili kuqinisekisa ukuthi unemali mboleko yokukhokhela izindleko zemoto oyifunayo.
Okubaluleke kakhulu, futhi ikunikeza amandla athe xaxa: Ngesheke lakho elingenalutho noma isigqebhezana esivunyelwe ngumbolekisi esandleni, uguqula ube 'ngumthengi wemali', endaweni yokupaka izimoto, futhi uzithole usesimweni sokuxoxisana. Chaza kakhulu uJeanne Lee no UFiliphu Reed ka I-NerdWallet .
Ungavunywa kusengaphambili ngemalimboleko yemoto kusuka ezinyunyaneni zezikweletu, emabhange nakubabolekisi abasebenza online.
Bala izindleko ngaphambi kokuthi yebo
Ngaphambi kokuba ukhathazeke ngokunciphisa ukukhokha imoto yakho kunani elithile, kubalulekile ukuthi uqonde izinto eziqala ukusetha inkokhelo yakho yanyanga zonke yemoto. I-APR inomthelela omncane kuphela emalini oyikhokhayo inyanga ngayinye.
Izici ezibaluleke kakhulu zifaka inani eliphelele lemalimboleko oyidingayo, noma ngabe unemali oyikhokhile noma cha, ubamba malini, nesikhathi semalimboleko (isikhathi sokukhokha).
Sebenzisa umshini wokubala wemalimboleko wemoto ukuze udlale ngezinombolo. Ungahle ube sejaheni ukukhipha leyo moto endaweni yokupaka, kepha ukuthatha usuku ukubala izinombolo kungakongela izinkulungwane ngokuhamba kwesikhathi.
Qonda imali yomthengisi
Kwesinye isikhathi ukuxhaswa ngezimali komthengisi kungabonakala njengokunikezwa okuheha kakhulu. Ukunikezwa okufana nokuxhaswa ngezimali okungu-0% nokukhokhelwa kwemali enkulu emuva, okungagcina kwehlise inani lemalimboleko yakho, kungabonakala njengokukhetha okuhle kakhulu.
Khumbula ukuthi izinketho eziningi zezimali zitholakala kuphela kubathengi abafaneleka kakhulu. Uma unokuthile okungahambi kahle kumbiko wakho wesikweletu, amaphuzu aphansi e-FICO, noma ulwazi olulinganiselwe lwesikweletu, cishe ngeke ufanelekele lokhu kunikezwa okukhethekile.
Kunoma ikuphi, hlala uthengisa, ungalokothi wamukele inketho yokuqala yezimali oyinikwa wena, futhi ungakhohlwa ukwenza izibalo zezindleko ngaphambi kokuthi yebo.
Ukuxhasa ngemali imoto yakho entsha kuyindlela enhle yokuthola imoto oyifunayo noyidingayo ngaphandle kokuyidela. Inqubo ingaba yinkimbinkimbi, ngakho-ke gcina lawa macebiso engqondweni ngaphambi kokuthi yebo kunoma yini. Lapho wenza ucwaningo lwakho, vunywa kuqala, bese uzenzela izibalo ngokwakho, uzoshayela uzizwe uhle ngemoto nangesimo sakho sezezimali.
Yimaphi amaphuzu esikweletu engiwadingayo ukukhokhela imoto?
I- amaphuzu wesikweletu ayadingeka Ungayifanelekela kanjani imalimboleko yemoto ehlukahluka kumbolekisi nohlobo lwezezimali. Ababolekisi bezimoto bangahluka ngisho kwimodeli yokulinganisa ngesikweletu abafuna ukuyisebenzisa ukuhlola ukufaneleka kwakho kwesikweletu. Ngenxa yalokho, ayikho amaphuzu amancane esikweletu kusungulwe ukuthi bonke ababolekisi badinga. Lokho kusho ukuthi abantu abanezibalo eziphakeme zezikweletu nemilando emide yezikweletu bangafanelekela ukuthola imigomo yemalimboleko engcono namazinga entengo aphansi.
Uma isikolo sakho NGINGUYE ®okuhle noma okungcono, kufanele ukwazi ukufanelekela ukuthola imali mboleko ezenzakalelayo. Amaphuzu ebangeni elijwayelekile ngokuvamile ngeke akuvikele ekudlulisweni; kodwa-ke, kungasho ukuthi uzokhokha inzalo ephezulu noma kufanele ukhokhe imali enkulu. Uma unesilinganiso esiphansi sesikweletu noma ufuna nje ukuthola imigomo engcono kakhulu, zinike isikhathi sokusebenza kumaphuzu akho esikweletu ngaphambi kokufaka isicelo semalimboleko yemoto.
Izinto okufanele uzigcine engqondweni lapho ufaka isicelo semalimboleko yemoto
Intengo yethegi yemoto akuyona ukuphela kwezindleko okufanele uzicabangele lapho ufaka isicelo soxhaso lwemoto. Nawa amanye amagama ayisihluthulelo okufanele uwagcine engqondweni.
- Inkokhelo yokuqala - Inani lemali okufanele ulifake ukufaka isicelo semalimboleko. Uma unesikweletu esihle noma esihle kakhulu, ungahle ufanelekele ukuthola izipesheli zokukhokha. Lapho uthatha isinqumo ngemali oyikhokhayo, khumbula ukuthi lapho ukhokha kakhulu, imali encane oyidingayo yokuboleka, nemalimboleko encane kusho ukuthi uzokhokha inzalo encane ngokuhamba kwesikhathi.
- Izinga lamaphesenti lonyaka ( APR ) - I-APR yakho yemalimboleko izobandakanya inani lenzalo yemalimboleko, kanye nanoma yiziphi izimali noma ezinye izindleko ukukhombisa izindleko eziphelele zokuboleka imali. Uma ulinganisela ukunikezwa kwemali mboleko emibili, ukuqhathanisa i-APR kuyindlela enhle yokuhlola ukuthi iyiphi imali mboleko ezokubiza kakhulu ngokuhamba kwesikhathi.
- Izintela : i izintela Ukuthengiswa kwezimoto zombuso kufanele kukhokhwe ngesikhathi sokuthenga. Kuya ngokuthi uyithenga kuphi imoto nokuthi ibiza malini, lokhu kungangeza izinkulungwane ezimbalwa zamaRandi ezindlekweni zakho.
- Amanani - Ngaphezu kwemali ekhokhwayo yokubhalisa imoto yakho entsha emnyangweni wezwe wezimoto, kungadingeka ukhokhe ezinye izimali ezikhokhiswa ngumthengisi, njengezimali zokuya noma imibhalo.
- Imibandela Yokusebenza : Ithemu ukuthi kufanele ukhokhe isikhathi esingakanani imali mboleko. Imigomo yemalimboleko ezenzakalelayo ngokuvamile isukela ezinyangeni ezingama-36 kuye kwezingu-72; Ungathola ngisho nezimalimboleko zezinyanga ezingama-84 ezizenzakalelayo. Ukukhetha isikhathi eside semalimboleko kuzokwehlisa izinkokhelo zakho zanyanga zonke, kepha ngezindleko zokukhokha inzalo ethe xaxa ngokuhamba kwesikhathi. Isikhathi esifushane semalimboleko sisho izinkokhelo eziphakeme zanyanga zonke, kepha izinkokhelo eziphansi zenzalo zizonke; Futhi, ababolekisi bavame ukunikela ngamanani wenzalo aphansi wemalimboleko yesikhashana.
- Izinkokhelo zanyanga zonke - Ukuze ukhokhe imali oyiboleke imali oyisebenzele, uzokhokha izinkokhelo zanyanga zonke ezibandakanya inhloko nenzalo. Ochwepheshe beluleka ukugcina inkokhelo yakho yanyanga zonke yemoto ku-10% noma ngaphansi kwemali oyikhokhela ekhaya. Kubalulekile ukugcina inkokhelo yakho yanyanga zonke iphethwe, ngoba uma unenkinga yokukhokha imali mboleko yakho yemoto, kungalimaza amaphuzu akho esikweletu, futhi uma uphuthelwa izinkokhelo eziningi kakhulu, imoto yakho ingathathwa. Okufanelekile, funa isikhathi semalimboleko esifushane kakhulu ngezinkokhelo ezingabizi.
Izinhlobo ezihlukile zokuxhaswa kwezimoto
Izimalimboleko zendabuko zezimoto akuyona ukuphela kwendlela yokuqinisekisa nokukhokhela imoto. Nazi ezinye izinketho ezingakusebenzela.
- Ukuqashisa imoto - Ukuqashisa kunikeza indlela yokushayela imoto entsha ngaphandle kokuyithenga. Ukuqashisa empeleni kuqashwa isikhathi eside, ngakho-ke uzobuyisela imoto kubathengisi noma inkampani yokuqashisa ngemuva kokuyishayela iminyaka embalwa. Izinkokhelo zokuqashisa zanyanga zonke ziphansi kunenkokhelo yemalimboleko yemoto efanayo. Ukuqasha imoto ngokuvamile kudinga ukukhokhelwa phansi nemali ekhokhwayo, futhi kungadingeka ukuthi ubekezelele imingcele ethile; isibonelo, kungahle kube nomkhawulo enanini lamamayela ongashayela unyaka nonyaka. Kodwa-ke, uma inhloso yakho ukushayela imoto yakamuva ngaphandle kokwenza imali enkulu, ukuqasha kungaba yindlela. Mane ukhumbule ukuthi uzodinga okuhle kwisikweletu esihle kakhulu ukuze ufanelekele ukuqashiswa okuningi.
- Khokha imali - Ukukhokhela ukheshi wemoto akunakwenzeka kubantu abaningi, ikakhulukazi uma unenhliziyo ezimisele ngemodeli entsha. Kepha kulabo abangakwazi ukuyiphatha, ukukhokha ngokheshi kuqeda isidingo sokufaka isicelo semalimboleko yemoto. Kuzofanele ukuthi ugcine imali eyizinkulungwane ezimbalwa ukukhokhela phansi noma kunjalo. Uma ungayidingi imoto khona manjalo, zinike isikhathi sokonga okuthe xaxa. Uma nje ungazidingi zonke izinsimbi namakhwela futhi ufuna nje izinto zokuhamba eziyisisekelo, ungathola izimoto ezisetshenzisiwe ezinokwethenjelwa zama- $ 5,000 noma ngaphansi.
- Izimalimboleko zontanga : i imalimboleko elinganayo kontanga (P2P) abanikezwa ngamabhange noma abathengisi bezimoto, kepha banikezwa kusuka komunye umuntu kuya komunye. Lezi yizimalimboleko zomuntu siqu ongazisebenzisela noma iyiphi injongo, kufaka phakathi ukuthenga imoto. Ungathola imali mboleko ye-P2P kuzingxenyekazi eziku-inthanethi, njengeProsper, iLending Club, nePeerform, ezikufanisa nabantu abazimisele ukukhipha imali mboleko. Izinga lenzalo kwimalimboleko ye-P2P lingahluka kakhulu, futhi ngokuvamile uzodinga isikweletu esihle ukuze uvunyelwe; kodwa-ke, kulula ukufaka isicelo ku-inthanethi bese uqhathanisa amazinga wenzalo namagama ahlukile ukuthola imalimboleko engcono kontanga.
Indlela engcono yokuxhasa imoto
Njengoba ukwazi ukubona, kunezindlela eziningi zokuxhasa ngemali imoto yakho entsha. Ukuthola imali mboleko ezenzakalelayo engcono kakhulu, qala ngokubuyekeza i- bika isikweletu futhi amaphuzu esikweletu . Ukuthola amaphuzu amahle wesikweletu kukunikeza izinketho eziningi futhi kungakusiza uthole imigomo yemalimboleko engcono. Ukucwaninga ngemalimboleko yezimoto ebhange lakho, inyunyana yezikweletu, nakubabolekisi abasebenza online ngaphambi kokuvakashela indawo edayisa izimoto kuzokunikeza umbono ocacile wezinketho zakho, kukubeka ethubeni elihle lokuxoxisana ngemali enhle ngamasondo akho amasha.
Okuqukethwe
- Kuyini ukuxhasa ngezimali okuzenzakalelayo?
- Ngubani onikela ngemali ezenzakalelayo?
- Amathiphu wemalimboleko ezenzakalelayo
- Yazi isilinganiso esifanele sesikweletu
- Faka isicelo semalimboleko esikhathini esiyizinsuku eziyi-14
- Thola ukuvunywa kwangaphambili, bese uthenge
- Bala izindleko ngaphambi kokuthi yebo
- Qonda imali yomthengisi
- Yimaphi amaphuzu esikweletu engiwadingayo ukukhokhela imoto?
- Izinto okufanele uzigcine engqondweni lapho ufaka isicelo semalimboleko yemoto
- Izinhlobo ezihlukile zokuxhaswa kwezimoto
- Indlela engcono yokuxhasa imoto
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