Yini okufanele uyenze uma ungakwazi ukukhokhela inkokhelo yemoto yakho? Mhlawumbe uke waba noshintsho olungeluhle empilweni. Mhlawumbe ezezimali zakho sezishonile. Noma ngabe siyini isizathu, wesaba ukusilela emuva ekukhokheleni imoto yakho futhi mhlawumbe uze wehluleke ngokuphelele.
Uma uzithola usindwa yimali oyikhokha nyangazonke yemoto ongeke usakwazi ukuyikhokhela, ungethuki. Unezinketho ezimbalwa.
Uma uzithola usindwa yimali oyikhokha nyangazonke yemoto ongeke usakwazi ukuyikhokhela, ungethuki. Nazi ezinye izinto ongazenza ukugwema ukulahlekelwa yimoto yakho futhi konakalise isikweletu sakho.
Ngokulingana: thengisa noma uphinde wenze imali
Unakho ukulingana emotweni? Leyo yinto yokuqala okudingeka uyinqume uma usengozini yokusilela emuva kuzinkokhelo zakho. Thola ukuthi ibiza malini imoto yakho bese uqhathanisa lelo nani nenani elikukweleta imali oyibolekile. Uma ukweleta okungaphansi kwenani lemoto, unokulingana. Uma ukweleta imali eningi kwimalimboleko kunenani langempela lemoto, unokulingana okungalungile. Ebhizinisini lezimoto, lokho kubizwa ngokuthi ukubuyela emuva.
Uma une-equity, thengisa imoto yakho ngqo kumthengisi wezimoto noma ICarMax kuyindlela elula yokuphuma kwimalimboleko yemoto ongasakwazi ukuyiphatha.
Uzokhokha imali yakho futhi yilokho kuphela. Ngeke kube khona ubungozi bokulimaza isikweletu sakho ngenxa yokukhokha sekwephuzile noma sekwephuzile. Ungahle ube nemali ephaketheni lakho yokuthenga enye imoto, enye enezinkokhelo ezilawulekayo.
Ukuthengisa imoto kumthengi wangasese kungakutholela imali ethe xaxa, kepha ukuyithengisela umthengi wangasese lapho ungenalo itayitela esandleni kungaba yinkohliso. Ngakho-ke, kungcono ukuxoxisana nomthengisi noma iCarMax.
Uma udinga ukugcina imoto, ukuba sesimweni semali kufanele kukuvumele ukuthi uphinde wenze imali oyibolekayo. Izinga lenzalo likhuphukile muva nje, ngakho-ke kungenzeka ungakwazi ukuthola isilinganiso esiphansi sokuphinda ukhiphe imali kunesikweletu sakho samanje. Kepha ngokwelula isikhathi semalimboleko ngokuxhasa kabusha imali, uzothola izinkokhelo ezilawuleka kakhudlwana. Cishe uzogcina ukhokha inzalo ethe xaxa, kepha lokho kungokwesibili lapho inhloso yakho ukugcina imoto yakho.
Ungahle ukwazi ukwenza kabusha kumbolekisi wakho wamanje, kepha kungahle kube nengqondo ukubheka inyunyana yezikweletu noma ibhange lakho. Lezi zikhungo zingakunikeza inzalo ephansi kunaleyo umbolekisi wakho wamanje angakunika yona.
Enye inketho uma uqasha
Bheka izingosi zokushintshana zokuqashisa zontanga njenge USwapalease futhi UkuqashisaTrader . Isisekelo silula: umuntu odinga ukuphuma esivumelwaneni sokushicilela ushicilela imoto esizeni. Uma umthengi ebona ukuthi imoto yakho ibhalwe ohlwini futhi uyayithanda imigomo, lowo mthengi angathatha isivumelwano sokuqasha inqobo nje uma ibhange liyivumela futhi umthengi efanelekile. Uma ungakwazi ukwehlisa imoto yakho ngale ndlela, uzobe ukhululekile ekukhokheni okuzayo.
Akukho ukulingana, izinketho ezimbalwa
Kuyinselele enkulu uma uthenga futhi ungenayo imali. Uma, ngemuva kokuthola inani lemoto yakho, uthola ukuthi ukweleta ngaphezu kwenani lemoto yakho, ukuthengisa imoto yakho ukuqeda inkokhelo ngeke kwanele. Uzodinga ukheshi esandleni ukuze ukhokhe umehluko phakathi kokukweletayo nenani lemali langempela lemoto.
Ukuxhasa kabusha imoto yakho kusengaba inketho Kepha kuya ngokuthi ubuyela emuva kangakanani, ukuthola umbolekisi ozimisele ukukhipha inani elibi kusuka kwimalimboleko eqinisekisiwe kungaba yinselele. Isikhathi sokuxhumana nebhange lakho.
Yiba phambili nombolekisi
Ukuxhumana nombolekisi wakho kubalulekile futhi kungenza umehluko phakathi kokugcina imoto yakho nokuyithatha kabusha.
Uma umthengi engakwazi ukukhokha imalimboleko yakhe, kufanele abize umbolekisi wakhe ngokushesha kusho uNatalie M. Brown, iphini likamongameli ka-Wells Fargo wezokuxhumana ngemalimboleko yabathengi. Amaqembu ezinsizakalo zamakhasimende akulungele ukusebenza namakhasimende ukuqonda isimo sawo futhi azame ukuthola izinketho ezingasiza.
Ibhange lizofuna ukwazi izimo ezikuvimbela ukuthi ukhokhe. Uma ilungu lomndeni lishonile, ukudilizwa emsebenzini, ukugula okungathi sína noma esinye isenzakalo esikhulu empilweni yakho esithinte ezezimali zakho, tshela umbolekisi wakho.
Abanye ababolekisi bazokuvumela ukubekezela, noma isikhathi lapho ungalahlekelwa noma ukhokhe imali ephansi kuze kube yilapho isimo sakho sesingcono. Amanye amabhange angaze azimisele ukuhlela kabusha imigomo yemalimboleko ibe yinkokhelo okulula ukuyiphatha. Khumbula ukuthi ababolekisi abafuni ukuthi imoto yakho ibuyiselwe kuwe futhi imvamisa bazoyithola kuphela lapho sebekhathele ezinye izindlela.
Kepha ngemuva kwezinyanga ezintathu zokukhokha sekwedlule isikhathi futhi uma ungaxhumani nombolekisi wakho, iloli elibuyayo kungenzeka ukuthi lifuna imoto yakho.
Uma kwenzeka kubuyiselwa umhlaba
Uma uvuka futhi imoto yakho ingekho esendweni lakho, konke akukalahleka.
Lapho imoto isidliwe, umbolekisi angakuvumela ukuthi uyithole. Lokhu kubizwa ngokuhlenga noma ukubuyisa ukutakula kwakho. Uma unale ndlela, kuzodingeka uhambe ngokushesha. Iwindi lokubuyisa imoto yakho lifushane - imvamisa lingaphansi kwamasonto amabili.
Noma kunjalo, ukubuyisa imoto yakho ngeke kushibhile. Ababolekisi abaningi bazokucela ukuthi ukhokhe inani eliletha imali oyibolekile (noma eduze nayo), kanye nezimali.
Uma ungeke ukwazi ukuhweba noma ukubuyisela impahla yakho, umbolekisi ekugcineni uzothumela imoto endalini ezothengiswa. Noma kunjalo, ukuxhumana kwakho kwezezimali nemoto ngeke kuphele endalini. Uzoba nesibopho sokwenza umehluko phakathi kwenani elithengiswe ngalo kanye nengxenye esele yemalimboleko, kanye nezindleko zokubuyiselwa.
Ngakho-ke uma ukweleta u- $ 15,000 emotweni ethengiswa endalini ngama- $ 11,000, uzothola imali embikweni wakho wesikweletu futhi ukweleta u- $ 4,000, kanye nemali yokuthola kabusha imoto ongasayishayeli. Ngenkathi ababolekisi bengakhokha ibhalansi, ungathembeli kuyo. Banelungelo lokukumangalela futhi, uma bephumelela, bangaqoqa imali ngokungena kwi-akhawunti yakho yasebhange noma ngokuhlobisa umholo wakho. Indawo yokwaziswa esemthethweni UNolo ine-athikili mayelana nezinketho zakho uma ukweleta imali ngemuva kokululama .
Isixazululo esibi: buyisela imoto
Uma imoto yakho idonswa kude, lokho kuthathwa njengamanga. Uma uhlela ukushiya imoto kumbolekisi, lokho kuthathwa njengokuzinikela ngokuzithandela.
Uma ukhetha ukunikela ngemoto yakho ngokuzithandela, uzokonga izindleko ezenziwe yibhange ngokuthumela iloli lokudonsa nokugcina imoto yakho ize ikhuphukele endalini. Kepha ababolekisi babheka ukuthathwa kabusha nokuzinikela ngokuzithandela njengokufanayo: ukwehluleka ukuhlonipha ukuphela kwesivumelwano semalimboleko. Yize zizovela ngokuhlukile kumbiko wakho wesikweletu, womabili azokonakalisa isikweletu sakho.
Asikho isixazululo: fihla imoto
Lokhu ngeke kusebenze. Nayi indaba ukufakazela iphuzu:
Ngithengise izimoto isikhathi esingaphezu kweminyaka eyishumi nambili eSouth California, kanti ikhasimende elilodwa bekungowesifazane ongazange akhokhele ngisho nenyanga yakhe yokuqala. Akaphendulanga nasemizameni yombolekisi yokuxhumana naye.
Ibhange liyithathe njengenkokhelo yokuqala enqunywe kusengaphambili, ebibonisa ukuthi imoto yakhe izobuyiselwa. Cishe ubucabanga ukuthi ukukhipha imoto ekhaya lakho kuzokwenza ungabonakali ebhange, ngakho-ke uthathe isinqumo sokweqa idolobha. Kungakapheli nenyanga, inkampani ye-repo yabona iMitsubishi Montero yakhe endaweni yokupaka izitolo ezinkulu e-Atlanta yaphinde yayithatha.
Kwenzeka kanjani lokho? Ubuchwepheshe. Amaloli eRepo anamakhamera afunda amapuleti ezilayisensi futhi athatha izithombe cishe wonke umuntu odlula ngendlela yakhe. Lawo mapuleti elayisensi abhekiswa ngohlu lwezimoto ezimakwe ukuthi zingasindiswa, kuthi lapho umshayeli weloli elihamba phambili ethola umentshisi, imoto ibe isisulu.
Ukuziphatha kwendaba: ngisho nokushayela ezweni lonke ngeke kukusize ukweqa indoda yokugcina izinto.
Iseluleko esihle kakhulu
Indlela engcono kakhulu yokubhekana nenkinga yokungakwazi ukukhokha akusilo isu lokudlula iloli eligcina izimpahla noma ukwazi nokuhlela kabusha imigomo yemalimboleko yakho. Izenzo ozenzayo ngaphambi kokuthenga imoto yakho ezingaba yindlela ebaluleke kakhulu yokugwema izinkinga.
Iseluleko sokuqala esingasinikeza abathengi ukuzama ukugwema isimo ngokuphelele, uma bekwazi. Kusho uBrown. Hlela kusengaphambili ukunciphisa umthelela wobunzima bokwenza izinkokhelo zemalimboleko. Isibonelo, ukuba nesikhwama esiphuthumayo okungenani esinezinyanga ezintathu kuya kweziyisithupha zezindleko kungumbono omuhle.
Nazi izinyathelo ezimbalwa ezisebenzayo: Thenga imoto elungele izidingo zakho, uqaphele ukuthi kungenzeka ukuthi akuyona imoto yamaphupho akho. Ukucabangela izindleko ezingeziwe zokuba nemoto ngaphambi kwesikhathi. Hlala ngaphakathi kwesabelomali sakho kunokuba usikhiphe.
Uma ukwenza konke lokho, kepha usenenkinga yezezimali ngemoto yakho, siyethemba ukuthi la macebiso - kanye nenhlanhla encane - kuzosindisa usuku.
Okuqukethwe