Imali mboleko ngesihloko semoto

Imalimboleko yetayitela lezimoto

Imali mboleko yesiqu semoto eyiCash iyingozi njengoba basebenzisa i imoto njengesibambiso futhi banenzalo ephezulu. Funda ukuthi ungakwenza kanjani ukubolekwa kwetayitela lemoto kukusebenzele.

Uma kukhulunywa ngemali mboleko yetayitela yemoto, kunezinto eziningi odinga ukuzazi ngaphambi kokuqasha eyodwa . Lezi zimali mboleko zibuye zibizwe ngokuthi yimalimboleko yosuku lokukhokha, imali mboleko yemali, noma izimalimboleko zesihloko semoto.

Zonke zisho into efanayo futhi zingasetshenziswa ngokungafani. Zidinga ukusetshenziswa kwefayela lakho le- imoto njengesibambiso sokwenza isipele inani lemalimboleko . Lezi zimali mboleko kufanele zisetshenziswe kuphela ku- icala eliphuthumayo . Nawa amanye amathiphu nolwazi ongalwazi.

Isebenza Kanjani Imalimboleko Yesihloko Esizenzekelayo

Ukuboleka imoto yakho, kufanele ube nokulingana okwanele emotweni yakho ukukhokhela imali mboleko. Ezimweni eziningi, kufanele ngabe ukhokhe noma iyiphi enye imali mboleko esetshenziselwe ukuthenga imoto, kepha abanye ababolekisi bayakuvumela ukuthi uboleke uma usakhokha imalimboleko ejwayelekile yemoto. Ngokwesilinganiso, lezi zimali mboleko zingasuka ku- $ 100 ziye ku- $ 5,500.

Imali ongayiboleka isuselwa kunani lemoto yakho noma imali onayo emotweni. Inani eliphakeme, imali engaphezulu ongayithola. Kepha ungalindeli ukukhama inani eligcwele lemoto kwimalimboleko yetayitela. Ababolekisi bafuna ukwenza kube lula ngabo ukubuyisa imali yabo, ngakho-ke baboleka kuphela lokho abangakuthola ngokushesha futhi kalula uma kufanele baphinde bathole futhi bathengise imoto. Ababolekisi abaningi banikela ngemalimboleko ephakathi kuka-25% no-50% wenani lemoto yakho. Bangakwazi futhi ukufaka idivayisi yokulandelela i-GPS emotweni yakho ukuvimbela umuntu ukuthi afihle imoto esikhundleni sokukhokha imali mboleko.

Ngenkathi ungathola imali mboleko yetayitela lezimoto ezinkampanini zezezimali zesitolo, ungahle ukwazi ukuboleka emotweni yakho ngenhlangano yakho yezikweletu noma ebhange.²

Ukuphenya

Ucwaningo lwemali mboleko yemali ezenzakalelayo ngokuzenzakalela kanye nababolekisi abahlukahlukene laphaya. Imalimboleko yetayitela lezimoto izimalimboleko ezinobungozi obuphansi kubabolekisi, okuhle nakuwe. Lokhu kusho ukuthi kunababolekisi abaningi abenza imali mboleko yetayitela lemoto. Udinga ukubhekisisa kahle indawo efanele, ngoba amanani enzalo kulawa mboleko aphezulu, ngakho-ke kufanele uthathe isikhathi ukuthola umbolekisi ngezinga eliphansi kakhulu.

Amanani wenzalo

Amanani wenzalo kulezi mboleko angamangalisa. Imalimboleko yesihloko semali ezenzakalelayo imalimboleko yesikhashana, ehlala izinsuku ezingekho ngaphezulu kwezingu-30. Ngenxa yalokhu, ababolekisi babiza inani eliphezulu lamaphesenti ukuqinisekisa ukuthi wenza imali. Inani lamaphesenti abakunika lona lizoba isilinganiso sanyanga zonke, esingabukeka sihle ebusweni. Bangasho amaphesenti angama-20, kepha leso yisibalo sanyanga zonke. Udinga ukukuphindaphinda lokho ngo-12 ukuze uthole isilinganiso senzalo sonyaka, esingaba amaphesenti angama-240 APR. Lokhu kungenangqondo futhi kuyingozi yangempela yalezi mboleko. Uma ungakwazi ukukhokha imalimboleko yakho ngesikhathi, uzobona izinga lenzalo yakho likhuphukela ezingeni eliphakeme kakhulu.

Inani

Inani lesikweletu setayitela lemoto linqunywa inani lemoto yakho. Umbolekisi ngokujwayelekile uzokuvumela ukuthi uboleke kuze kube uhhafu wenani lemoto. Lokhu kungenxa yokuthi uma wehluleka ukuboleka imali, bazoyibuyisa imoto yakho bazidayise bona. Lokho kushiya indawo kubo ukuze baqiniseke ukuthi bathola okungenani lokho abakukhokhele imali mboleko. Qiniseka ukuthi uthola inani elifanele lemalimboleko yakho. Bangadinga nokuthi ungeze umshwalense omncane emotweni, ngoba bazogcina isihloko ngenkathi usakwazi ukushayela imoto.

Izingozi

Njengoba ukwazi ukubona, kunezingozi ezicacile ngalolu hlobo lwemalimboleko. Uma wenza iphutha ngemuva kwesikhathi, okuvame ukuba yizinsuku ezingama-30, banelungelo lokuthatha imoto yakho kuwe. Kodwa-ke, ungavunyelwa ukwelulwa, lapho-ke uzoba nesikhathi esithe xaxa sokukhokha. Kuzofanela ukhokhe inzalo ephakeme kakhulu, futhi kwesinye isikhathi uzogcina ukhokha kabili noma kathathu lokho obekufanele imali mboleko yokuqala. Uma ungeke ukwazi ukwenza lokho, ungalahlekelwa yimoto yakho.

Sithinteka kanjani isihloko semoto?

Uma ufaka isicelo sale mali mboleko, imoto iyisibambiso futhi itayitela lemoto lizobanjwa ngumbolekisi kuze kukhokhwe yonke imali mboleko. Ukuthola lolu hlobo lwemalimboleko, kufanele ube ngumnikazi wemoto mahhala futhi ngaphandle kwanoma iyiphi enye imali noma imalimboleko yemoto.

Bheka imikhonyovu

Ngoba le mali mboleko inobungozi obukhulu kakhulu, kufanele uqaphele imikhonyovu. Uma uhlala kusuka kumholo wokukhokha kuya ekukhokhelweni futhi isivumelwano ngokuzumayo sifika esihle kakhulu ukuthi singaba yiqiniso, qaphela. Uma ucabanga ngezimali esikhathini esifushane, ungacabanga ukuthi le mboleko iyisivumelwano esihle, kepha ngaphandle kokuthi kuyisimo esiphuthumayo, kufanele uqaphele. Awufuni ukubambeka esikweletini okungathatha iminyaka ukukhokha.

Thola izeluleko ngokubolekwa kwemali ngokheshi

Uma udinga ukheshi ngokushesha futhi ufuna imali mboleko yemoto, khuluma nomeluleki wezezimali bese uthola iseluleko. Ungahle ukwazi ukuza nohlelo oluphuthumayo ukuze uvikele izimpahla zakho kunokuba uzifake engcupheni enkulu. Uma unolwazi oluningi ngangokunokwenzeka mayelana nempahla yakho nemalimboleko, akunamathuba okuthi uthole isivumelwano esibi ngemali mboleko. Uhlobo lwemali ongaluthola ngalezi zimali ezibolekwe kusuka ku- $ 100 kuya ku- $ 1,000.

Thola imali

Uma uthola le mboleko, qiniseka ukuthi uthola kuphela inani lemali olidingayo. Ngamanani nemibandela yemalimboleko, lokhu kufanele kukusize okwamanje. Awufuni ukukhokha imalimboleko eminyakeni embalwa. Cabanga kahle ukuthi udinga malini, bese uhlola ezezimali zakho. Ingabe ikhona indlela yokwehlisa inani noma ukubambezela ukuthenga kuze kufike usuku lokukhokha olulandelayo? Cabanga ngalokho okudingayo ngempela.

Izinkampani Zokubolekwa Kwemali Okuzenzakalelayo

Uma unqume ukuthi udinga imali manje, zama ukuyithola enkampanini enedumela elihle. Ungaphenduli kuzikhangiso ozibonayo ku-intanethi. Kuyafaneleka ukuthatha isikhathi esengeziwe uzama ukuthola isivumelwano esifanele kule mali mboleko.

Izimoto Eziqondiswe Kwezimali

I-CarsDirect isiza amakhasimende amaningi anenselelo yesikweletu ukuthola izimalimboleko zemoto kunanoma iyiphi enye iwebhusayithi ezweni. Le nkampani isebenza nenethiwekhi yabathengisi abagxile kwezimali zemalimboleko ezenzakalelayo. Umthengisi uyakwazi ukufinyelela ezikhungweni zezezimali eziningana futhi uzothenga ezungezile ukuthola isivumelwano esihle kakhulu. Vele ugcwalise uhlelo lokusebenza uzobe usendleleni yokuthola imali mboleko yemoto.

Inzuzo yemalimboleko yetayitela yemoto yemali

• Imali elula. Inzuzo enkulu yemalimboleko yetayitela yemoto, noma imalimboleko yetayitela yemoto, ukuthi ungathola imali ngokushesha. Lesi isikhathi esisheshayo esisheshayo semalimboleko. Izikhathi eziningi, ungaba nemali yakho kungakapheli izinsuku zesivumelwano sakho. Lokhu kungenxa yokuthi inqubo yemalimboleko yemoto ilula kakhulu. Umbolekisi kufanele ahlaziye imoto yakho bese ekutshela ukuthi izokunikeza malini. Uma wamukela, yilokho kuphela. Uzoba nemali yakho kungakapheli usuku noma ezimbili kusuka ezindaweni eziningi.
• Ukufaneleka okulula. Noma ngubani onemoto ufanelekile ukubolekwa imali yemali. Imoto yakho isetshenziswa njengesibambiso semalimboleko. Ngokufana nokuboleka ekhaya lakho, uboleka imali enanini lemoto yakho. Ababolekisi bavame ukukuvumela ukuthi uboleke kuze kufike kumaphesenti angama-50 enani. Lokhu kwenzelwa ukuthi bakwazi ukuthola imali yabo uma kwenzeka ungasikhokhi isikweletu.
• Asikho isikweletu esidingekayo. Enye ingxenye enkulu yemali mboleko yemali ukuthi isikweletu sakho asinandaba. Njengoba empeleni wenza isivumelwano se-pawn, aqinisekisiwe uma ungasenzi. Noma ngubani angathola imali mboleko yemali ngale ndlela, ngoba umlando wakho wesikweletu ngeke uthinte amathuba akho okuthola imalimboleko oyidingayo.

Okubi ngokubolekwa kwesihloko semoto yemali

• Ungalahlekelwa yimoto yakho. Uma ungakwenzi, kunethuba langempela lokuthi imoto yakho izothathwa njengenkokhelo. Noma wephuzile ngosuku olulodwa, bangathatha imoto yakho. Uma lokhu sekwenzekile, ngeke uphinde uyibone leyo moto. Njenganoma iyiphi imali ebolekiwe, uhlala ubeka engcupheni yokulahlekelwa yileyo mpahla.
• Amanani enzalo aphezulu. Amanani wenzalo yemalimboleko yemoto yemali, noma imali yemalimboleko yemoto yemali, ayizinkanyezi. Bangase bathi kungamaphesenti angama-20 noma angama-25 kuphela, okuthi ngesikhathi lapho udinga imali ngokushesha, ungahle uzimisele ukukhokha. Kodwa-ke, iningi lemalimboleko yemali eyimali imali mboleko yenyanga eyodwa, yilokho kuphela. Lokho kusho ukuthi ufuna inani elilingana namaphesenti angama-300 wamaphesenti wonyaka (i-APR), okuthukuthelisayo. Cabanga ukubhalisela ikhadi lesikweletu nge-300% APR. Ayikho indlela ongakwenza ngayo. Ezinye izifundazwe zine, noma zizama ukwedlulisa, imithetho eyenza kungabi semthethweni kwababolekisi bemalimboleko yemoto ukuthi babe nama-APR amakhulu. Ezinye izinkampani zinemikhawulo, kepha imali-mboleko yemali yemali igwema imithetho yamanje. Ababolekisi kufanele bakutshele inani lenzalo ngokwe-APR, okuyisilinganiso senzalo sonyaka. Khumbula, uma kuyimali ekhokhwa njalo ngenyanga,
• Ukudluliswa kwemali mboleko. Njengoba kushiwo ngaphambili, lokhu kuvame ukubolekwa inyanga eyodwa. Uma ucabanga ukuthi abantu abaningi abathola lezi zimali mboleko banesikweletu esibi, kungenzeka ukuthi ngeke bakwazi ukusikhokha ngokushesha. Lokhu kudala lokho okubizwa ngokuthi yisikhathi sokuvuselela. Izinga lenzalo lenyuka kakhulu ngalesi sikhathi. Lokhu-ke kuphenduka kube yimoto yangempela engaba yimoto yakho. Uma ucabanga ngale mali mboleko, qiniseka ukuthi ungayikhokha ngesikhathi esivunyelwe. Uma usayina igama labo, ubanikeza isihloko sakho futhi imvamisa ikhophi yokhiye bakho. Uma ungakhokhi, banelungelo lokuthatha imoto yakho. Kokunye, ababolekisi bafaka izinhlelo ze-GPS bese bevala kude izimoto zalabo abangakhokhile ngesikhathi.
• Imali eyengeziwe. Kunezimali eziningi zangaphambili, njengemali yokucubungula nemali ekhokhwayo yamadokhumenti, ehlanganayo. Ezinye ziyimali ekhokhwayo, kungakhathalekile inani lemalimboleko yakho. Uma uboleka okuncane kuphela, kungadingeka ukhokhe amakhulu ngaphambili.
• Ukhohlisiwe. Inkohliso yemalimboleko yemoto eyikheshi ukuthi ungathola imali ngokushesha okukhulu. Kodwa-ke, ngokushesha nje lapho uyithola, udinga ukuyibuyisela. Udinga ukukala ubungozi ngaphambi kokubandakanyeka. Hlela kusengaphambili ukuze uqiniseke ukuthi unayo imali yokuyibuyisa, noma kungenjalo ungahlangabezana nezinkinga ezithile zangempela.

Ezinye izindlela zemalimboleko yetayitela

Hlola ezinye izindlela ngaphambi kokuthola imali mboleko yesihloko. Izinketho ezingezansi kungenzeka zingakhangi, kepha zingangcono kunokuthola imali yesihloko sakho.³

• Imalimboleko yomuntu siqu kungaba yindlela engcono kakhulu uma udinga imali mboleko. Awudingi ukwenza isiqinisekiso sesiqinisekiso futhi ungathola isilinganiso esiphansi. Buza ibhange lakho noma inyunyana yakho ngesikweletu mayelana nemalimboleko yesikhathi eside.
• Amakhadi esikweletu Akuvamile ukuthi kube yindlela ehlakaniphile yokuboleka, kepha ziyimali mboleko engavikelekile engenabo ubungozi bokuyikhokha.
• Imali engenayo eyengeziwe Bangakusiza nokuthi udlule esimeni esinzima. Uma ungathatha omunye umsebenzi, noma okwesikhashana, maningi amathuba ozowathola. Umsebenzi owengeziwe kungenzeka ungathandeki futhi ungakhonakali, kepha kufanelekile ukuwuhlola.
• Nciphisa izindleko Kulula ukushiwo kunokukwenza, kepha uma ukuzidela kwesikhashana kungakusiza ukuthi uphume kumzila wokulahlekelwa ungalimele, mhlawumbe kuyindlela engcono.
• Yehlisa isigaba se imoto yakho uma unemoto ebiza kakhulu kunaleyo oyidingayo. Ungahle ukwazi ukuthola imali ngokuthengisa leyo moto, uthenge okuthile okungabizi kakhulu, futhi ugcine umehluko.

Uma kufanele usebenzise imali mboleko yetayitela ukheshi, hlela ukuthi uzoyikhokha kanjani ngaphambi kokuthatha imalimboleko ukuze kungasali lutho ngengozi. Ukuqeda leso sikweletu kufanele kube umgomo wakho oyinhloko wezezimali.

Imithombo ye-athikili

1. Imininingwane yabathengi evela kuFederal Trade Commission. Imalimboleko yesihloko esizenzakalelayo . Ukufinyelela kokugcina: Disemba 17, 2019.
2. I-Federal Navy Credit Union. Imalimboleko yetayitela lezimoto: okudingeka ukwazi . Ukufinyelela kokugcina: Disemba 17, 2019.
3. Umthengi.gov. Imali mboleko yesihloko semoto: Okufanele Ukwazi , ifinyelelwe ngoDisemba 17, 2019.
4. Ihhovisi Lokuvikelwa Kwezimali Zabathengi. Imalimboleko yetayitela yemoto yesikhathi esisodwa . Ukufinyelela kokugcina: Disemba 17, 2019.
5. Ihhovisi Lokuvikelwa Kwezimali Zabathengi. Imoto yami ithathiwe futhi bangitshela ukuthi izothengiswa , ifinyelelwe ngoDisemba 17, 2019.

Okuqukethwe

• Imalimboleko yetayitela lezimoto
• Isebenza Kanjani Imalimboleko Yesihloko Esizenzekelayo
• Ukuphenya
• Amanani wenzalo
• Inani
• Izingozi
• Sithinteka kanjani isihloko semoto?
• Bheka imikhonyovu
• Thola izeluleko ngemali mboleko yemali
• Thola imali
• Izinkampani Zokubolekwa Kwemali Okuzenzakalelayo
• Inzuzo yemalimboleko yetayitela yemoto yemali
• Okubi ngokubolekwa kwesihloko semoto yemali
• Ezinye izindlela zemalimboleko yetayitela

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