Iimbali zakho zemali zidlala indima enkulu ekufumaneni imvume yemboleko yemoto kwakunye neendleko zenzalo ozihlawulayo ukuze uhlawule imali. Ngelishwa, ukuthenga imoto ngekhredithi embi kunzima, nangona unayo ingeniso kunye nembali yomsebenzi ozinzile. Imbali yokuhlawulwa kwexesha, ukuhlawulwa kwetyala, ukutshatyalaliswa, okanye ukubuyisela isisayiniso kumbolekisi osengozini yokuhlawula imali yakho mboleko, kwaye ababolekisi bafuna ukuphepha inkqubo eninzi yokubuyisela imoto yakho .
Iingxowa-mali ezingalunganga akumele zimi endleleni yevili lakho elitsha, kodwa uya kufuneka uthengise ngokungafaniyo kwaye uzilungiselele iindleko eziphezulu. Yiya kwinkqubo njengoko unolwazi olunokwenzeka ukuze ugweme ukuthatyathwa.
1. Yisebenze ngetyala lakho ngaphambi kokuhamba ngeenqwelo zentengiso.
Hlola ingxelo yakho yekhredithi ngokukhawuleza xa uqala ukucinga ngokuthenga imoto entsha, nokuba ngaba iinyanga okanye iminyaka ngaphambili. Ngokucoca i-credit yakho ngaphambi kokufaka isicelo sembolekiso, uphucula amathuba akho okuvunywa ngemigangatho emihle. Ukucoca i-credit yakho kubandakanya ukuhlawula i-akhawunti ezidlulileyo, ukuphikisana neziphene ze-credit card, kunye nokongeza ulwazi oluchanekileyo kwingxelo yakho yekhredithi.
2. Gweba izinto ezongezelelweyo zemali zekhredithi.
Kwiinyanga ezikhokelela kwisicelo sakho sembolekiso, makube kusebenze kakuhle. Bhatala yonke into ngexesha. Musa ukuthatha nayiphi na imbopheleleko enkulu yemboleko, kuquka namakhadi amatyala amatsha. Iifowuni ezibomvu ezibonakalayo zomntu obolekisa ngemali zibandakanya iintlawulo zerhafu, ukuhlawula imali, ukuqokelela amatyala, ukuchithwa kwemali, izibambiso zerhafu kunye nezigwebo zokugweba.
3. Khangela iintlawulo zemali zangoku phambi kokuthenga imoto ngekhredithi embi.
Unokukhangela i-intanethi kwimilinganiselo yemboleko yemoto yokugqibela ukuqonda kakuhle ukuba yeyiphi izinga omele ulindele. Ngekhredithi enhle , uya kufumana umlinganiselo kwizinga okanye ngaphantsi komyinge. Ngetyala elibi, uya kuba nenani lemali eliphezulu, kodwa ungaqiniseki naluphi na umyinge wokuboleka imali ngaphezu kokuphindwe kabini umyinge.
Imilinganiselo yakho yemboleko iya kubachaphazela kuphela ukuhlawulwa kwakho kwenyanga kodwa kwakhona iteksi yentengo yeemoto onokuyithenga.
4. Yenza inkokhelo enkulu.
Imbali yakho yematyala iya kunciphisa ubungakanani bemali-mboleko yemoto onokuyifumana, kwaye izinga lentengo ephezulu liza kwenza loo mali ingaphantsi. Ukuhlawula inkokhelo kunokunciphisa inzala, irhafu, kunye neentlawulo kunye nokwandisa ukhetho lwezithuthi ozikhethile.
5. Yazi oko unokukwazi ukuhlawula.
Unokulingwa ukuba ukhangele oko unokukwazi ukukufumana ukuze ungene kwimoto engcono. Cinga ukuba ungakanani imali eyongezelelweyo oshiye emva kokuhlawula iindleko nganye ngenyanga. Yiloo mali okwazi ukuyizuza. Hlola uhlahlo lwabiwo-mali ukuze ubone ukuba unako ukuhlawula kwaye unamathela kuloo mali, nangona uvunyiwe ngemboleko ngemali enkulu.
6. Fumana kuqala ukuvunywa.
Ungayithengisa ngokuthe xaxa xa unemali-mboleko evunyiwe ngaphambili. Thetha kwibhanki yakho okanye umanyano weentengo zemali malunga nokubolekwa kwemoto kunye nokufumanisa inkqubo yokuvunywa kwangaphambili. Ukuba awukwazi ukuvunyelwa kunye nebhanki yakho, umnini-mthengisi wakho wemoto unokukwazi ukukunxibelelana nomboleki-mboleko obamba abathengi bemoto ngekhredithi embi .
7. Yeka i-extras.
Xa uthengisa imoto ngekhredithi engalunganga, awuvumelekanga ukuba ufumane imali ephezulu yemali mboleko, oku kuthetha ukuba kufuneka uhlawulele ezinye zezinto ozifunayo.
Izihlalo zesikhumba, i-sunroof, kunye nenkqubo yesithethi se-premium ayinakukhetha xa uzama ukuthenga imoto ngetyala elibi. Usuvele ujongene nentlawulo ephezulu yokubolekisa ngemali ngenxa yenani lentlawulo. Musa ukuyenza ibe yanda ngokufaka iinkalo kwimoto yakho.
8. Hlola i-arhente ezingenzi nzuzo.
Ngaphambi kokuba uthathe imboleko yemali ebiza imali, khangela ukuba urhulumente wakho unayo i-arhente engenzi-nzuzo ehlinzeka ngemali-mboleko okanye izithuthi kubathengi abangezantsi. Khangela olu luhlu lwe-PDF uludwe lwenkqubo yobunini bemoto ngobuso . Ngelishwa, akukho nkqubo kwilizwe lonke.
9. Yinyathele ngokuthe ngqalelo ukuthenga apha, hlawula apha.
Thenga apha, hlawula apha iinqwelo zemoto enikezela ngezimali nge-site kunye neziqinisekiso ezingaphantsi kwezikolo zemali (ngezinye iinkcukacha ezingenakucingwa ngetyala), kodwa zikwaziwa ngokuba zikhulu kakhulu, zithengisa izithuthi ezingekho emgangathweni, kwaye zisetyenziselwa abathengi abanekhredithi embi.
Buza iingcebiso kumthengisi, kwaye ujonge ukubaluleka kwesithuthi kunye nembali yesithuthi. Ukuba unako, thabatha umatshini othengayo kunye nawe ukujonga imoto ukuqinisekisa ukuba imeko efanelekileyo.
10. Funda onke amaphepha.
Iimpepha zokubolekisa zingadideka, kodwa imali yakho kunye nekhredithi yakho kumgca, ngoko kubalulekile ukuthatha ixesha ukuqonda imimiselo yomboleko. Qinisekisa ukuba iphepha lilingana noko umthengisi avumile ngokuthetha. Ukuba uyavumelana nemimiselo, tyikitye amaxwebhu omboleko ngaphambi kokuba uqhube imoto kwinqanaba. Abanye abathengisi abanomthunzi bakuvumela ukuba ugijime ngaphandle kokusayinwa, ngoko kukubiza kwakhona ukuba usayine amaphepha ngemigangatho eyahluke kakhulu kulabo owamkele ngokusemthethweni.
11. Musa ukuthenga ngokulindela ukuthengiswa kwesithuthi esitsha kwiminyaka embalwa.
Enye yeendlela iindlela abathengisi bemoto abakufaka ngayo imoto kukudala izithemba zakho zokuthengisa ngonyaka ozayo. Uvakala njengento eninzi, kodwa xa wenza oku, ibhalansi yemali-mboleko endala ifakwe kwingxowa-mboleko entsha kwaye ukongezwa kweentlawulo zakho okanye ixesha lakho lokubuyiselwa liyakwandisa. Musa ukuthengisa ngaphandle kokuba uphucule i-credit yakho kwaye unako ukulungele ukuhlaziywa kwinqanaba lesenzalo esincinane.
12. Qaphela izikhwama.
Abantu abanekhredithi embi bajoliswe kwizikhwama ezingenakubalwa. Musa ukuxhamla kwiimali-mboleko zangaphambili, kungakhathaliseki ukuba uninzi kangakanani ufuna ukuhamba emotweni entsha. Ngokuqhelekileyo ezi mboleko ziphela ngokungekho kakuhle kumthengi weemoto kwaye zenze kubekho esinye isiphako kwiirekhodi zekredithi ezisele zikhohliwe. Kungakhathaliseki ukuba unzima kangakanani kwisithuthi esitsha, thatha ixesha lakho, fumana zonke iinkcukacha, kwaye wenze isigqibo esisisigxina sezimali onokukwazi.