Ingxowa Yemoto Yenzani kwaye Iyasebenza Kanjani?
Ngoko ufuna imoto ngoku, kodwa unayo imali eyaneleyo yokuthenga ngqo. Ukuba nguwe lona, awuyedwa - abaninzi baseMerika abanakho imali eyaneleyo yokuthenga kwanemoto esemgangathweni esetyenziswayo, ingaphantsi entsha. Ngoko bafumana mboleko.
Ihlabathi lemali-mboleko yemoto linokumangalisa xa uqala ukuqala, ngoko kukulungele ukuqala ngokuqonda kakuhle izinto ezisiseko. Ukuqonda indlela umboleko wemoto osebenza ngayo kuyona nyathelo lokuqala lokufumana intsebenzo enhle kwenye.
Imali-mboleko yemoto, ichazwe
Imboleko yemoto ininzi kakhulu into ocinga ukuba yile: Kuyimali-mboleko yomntu siqu, imali eyisebenzisayo ukuthenga imoto. Ngokukodwa, umboleki-mboleko obolekisa (wena) imali efunekayo ukuthenga isithuthi. Ukubuyisela, umboleki uyavuma ukuhlawula umboleki imali yemali mboleko kunye nentlalo, ngokuqhelekileyo kwiintlawulo zenyanga, ade ihlawulwe imali ehlawulwa ngokupheleleyo. Yilula elula, kude kube ngoku.
Ngokuqhelekileyo, mboleko mboleko ngumboleko ongaqinisekisiwe. Okokuthi, umboleko owenziwe kuphela ngokusekelwe kwintembeko yomboleki, kwaye akaqinisekanga ngenye indlela yokubambisa. Imali-mboleko yemoto iyahluke kuba zihlala zihlala zibolekwe ngemali-mboleko , eyona nto iyimoto ngokwayo. Kwaye oko kuthetha ukuba xa umntu obolekayo ehluleka ukwenza iintlawulo zakhe, isithuthi siya kuhlutha kwaye sithengiswe ukuhlawula ityala le mboleko.
Iziseko ezine zeZiseko zoKwakha zeMali yeMali
1. Inkcitho yeMali
Kukho iinxalenye ezimbini ezibalulekileyo kwiindleko zemboleko yemoto: inqununu kunye nomdla. Inqununu yindleko ekuthethwa ngayo yesithuthi ngokwazo.
Inzala ibhekisela kwisixa-mali seendleko ezifunyenwe ngaphezu kobomi bemali-mboleko esekelwe kwisixa-mali esinqununu kunye nenani lentengo echazwe.
2. Inzala yeMali
Inqanaba lesenzalo ngumlinganiselo osisiseko ohlawulwe kumbolekayo ngemali ebolekelwe. Umyinge wenzalo ubonakaliswe njengepesenti yexesha elilodwa leminyaka kwaye ubizwa ngokuba yi-percentage rate rate (APR).
3. Ukuhlawula phantsi
Inkokhelo engezantsi yintlawulo ehlawulwa phambili ngemali ehlawulwa ngumbolekeki ngexesha lokuthengwa kwesithuthi. Ngokuqhelekileyo kuboniswe ngokwepesenti yexabiso elipheleleyo. Akuyimfuneko yomthetho xa uthabatha imboleko yemoto, kodwa uhlala ufunwa ngumthengi.
4. Imiqathango kunye neemeko
Oku kubhekisela kuzo zonke izinto ezenza umboleko wemoto, kubandakanywa nexesha lokubolekwa kwemali mboleko, ngokuqhelekileyo kuchazwe kwiinyanga okanye iminyaka; iinshurensi neemfuno zokubhalisa; ukuhlawulwa kwemali mboleko kunye nokubuyisela imigaqo; iimfuno zokugcina; iimeko malunga nobusela okanye ingozi; kunye nemiqathango yokungahlawulwanga kwemali mboleko kunye nokuhlaziywa . Kukho ezinye iimeko ezininzi, kwaye umntu obolekayo ucebisekile ukuba afunde ngokucophelela kwaye abe nokuqonda okucacileyo koko bathetha ngaphambi kokusayina.
Inkqubo yeMboleko yeMoto
Nazi iindlela ezinhlanu ezisisiseko oza kulandelwayo kwinkqubo yokufumana imboleko yesithuthi sakho esitsha:
1. Qinisekisa into enokuyenza
Phuma isiqwenga samaphepha uze usebenze uhlahlo lwabiwo-mali oluqulathekileyo olukuxelela oko unokukwazi ukukwenza ngokumalunga nentlawulo yenyanga. Emva koko unqume ukuba uzimisele kangakanani ukubolekisa ngemali yakho mboleko - ixesha lakho lemboleko. Emva koko, misela inani lokuhlawula phantsi oceba ukuyenza. Isiphumo siya kukuxelela ukuba imoto enokukwazi ukuyithenga.
2. Hlola amanqaku akho kwiNgxowa-mali
Kubalulekile ukwazi kakuhle apho uma khona malunga nomlinganiselo wakho wekhredithi ngaphambi kokuthetha nababolekisi. Ababolekisi bathembela kwiingxelo zemboleko kunye namanqaku xa kuqikelelwe iirhafu zemali mboleko kunye nemigomo. Okuphakamileyo kwinqanaba lakho lekhredithi, isikhundla esilungileyo oya kubakho ukuvalela kwisilinganiso esezantsi.
3. Zithengeza ngeendlela ezilungileyo zokuthenga imali
Oku kubalulekile ekubeni amaxabiso kunye nemigomo iyahluka, ngamanye amaxesha, phakathi kwababolekisi. Kwakhona kubalulekile ukukhangela umthengiso ogqwesileyo kakhulu ngaphambi kokuba uphume ukuyothenga imoto.
4. Fumana imvume
Ukufumana i-mboleko yakho kwangaphambi kokuvunywa kuthetha ukuba ubeke imida phambi kokuba ubeke unyawo kwindawo yokubonakalisa umthengisi apho iimvakalelo zakho zinokufumana okusemandleni akho nakwi-pocketbookbook yakho. Iindawo ezifanelekileyo zokujonga iimboleko ezivunyiwe kwangaphambili zibhanki kunye neemanyano zemboleko.
5. Yithengela Imoto Yakho
Ngoku yisihlandlo sokutyelela abathengisi bakho beendawo. Fumana imoto oyifunayo. Emva koko mayeke umnini-mali wakho umnyaka, wenze, imodeli, kunye neNombolo yeNgcaciso yeMoto. Uya kufuneka kwakhona ukuthenga inshuwalense yemoto ngokukhawuleza.
Abathengisi abaninzi abanakukuvumela ukuba uhambe ngaphandle kokubonisa ubungqina bomshuwalense wemoto.
Iindlela ezimbini zokuphucula amathuba akho okufumana iMali yeNgxowa-mali yemvume
1. Fumana i- Co-Signer
Ingaba umlinganiselo wakho wekredithi uphantsi kakhulu (okanye awukho) ukufumana imboleko yemoto efanelekileyo? Umnxibelelwano-cosi unokutshintsha konke oko. Umnxibelelwano-cosi ubeka igama labo kunye namanqaku ekhredithi kumgca wokuthenga kwakho. Ukuba awuyi kuhlawula, i-credit yabo iya kuthinteka ngendlela efanayo nokuba umboleko wawungowona kuphela egameni labo. Ngokuqhelekileyo umnxibelelwano-mnxibelelwano ungumhlobo osondelene kakhulu njengomzali. Yindlela enhle yokuba uzuze i-credit kunye nokwakha amanqaku amakhulu ekwereti.
2. Intsapho yoTyala lokuThengisa iMoto
Ayikwazi ukufumana umnxibelelwano wokubuyisela? Iontanga eziliqela ukuya kwiiwebhsayithi zokubolekisa ngeemoto ezizenzekelayo zifumaneke ukunceda ukuxhuma ababolekisi nabathengi. Amanqaku akho okuthenga ngetyala aya kuqhutywa, kwaye uya kuhlonyelwa "umngcipheko ophezulu" ukuba unomlinganiselo ophantsi okanye ongekho. Ephakamileyo umngcipheko wemboleko, iphakamileyo inzala. Enye imvelaphi yokubolekisa ukuba ingahlawulwanga okanye ayiyiyo.
Iingcebiso zorhwebo ezimbalwa
Qiniseka ukuba uhlolisise idumela lomboleki wakho kwaye ufunde ukushicilelwa kakuhle kwesivumelwano somboleko ngaphambi kokuba usayine nayiphi na into.
Uze ungalibali ukuhlola izibalo. Qinisekisa ukuba amanani ayongeza kwaye adibanise nalawo wena kunye nomboleki.
Enye into: Hlala kude "nemimiselo" okanye "imali-mboleko". Yilapho ubhalisela isivumelwano somboleko kunye nomthengisi kwaye uqhube nemoto yakho entsha phambi kokuba yonke imiqathango yemboleko igqitywe. Izinto ezibalulekileyo ezifana nesantya somyinge, ixesha lokubolekwa kwemali, ukuhlawula intlawulo kunye nenani lentlawulo yenyanga ingatshintshwa (ngokuqinisekileyo kuya kuphazamiseka), kwaye unokuba unamathele ukuhlawula okungaphezulu kunokuba ufuna.