Abafundi badinga Imali Yemoto Yemoto!
Njengomfundi, ukufumana imboleko yemoto akulula ngaso sonke isikhathi. Iimeko ziyahlukileyo kubo bonke abafundi. Imithombo yakho yengeniso ingashintsha, kwaye ungenakho ityala , ityala eliphantsi okanye i-credit-negative - kunye nemithombo embalwa yengeniso yokwenza iintlawulo zenyanga naphezu kokuba ufumene umboleki ozimisele ukuboleka kuwe. Amabhanki angabakhokelela ekubolekiseni abafundi, kodwa into enhle isithuthi siyabakhokelela kangangokuthi phantse kunokwenzeka, nangona unokuba nenani eliphezulu kakhulu. Ukuba ungumfundi ofuna ukufumana mboleko yakho yokuqala, lungiselela ngaphambi kwexesha ukwenzela ukuba ungabethelwa phezulu kwiirhafu zentshisekelo-okanye ubuncinane uyazi ukuba uza kungena.
Gcina i-Pay Down
Ukulondoloza imfumba yemali xa usemncinci ungase ube yinto yezona zinto zinzima kakhulu. Kuthatha uqeqesho. Ukujonga bonke abahlobo bakho kunye ne-tech gear kunye nefashoni kunokukhawuleza ukuphazamisa iinjongo zakho zemali.
Izigqibo zemali ozenzayo ebusweni bakho zingakuthintela ixesha elide. Ukuba iyimoto oyifunayo kakhulu, kufuneka kwenziwe imibingelelo.
Ukutsala ukuhlawula kwe-5 ukuya kwi-10 ekhulwini lexabiso lezithuthi. Ukubeka imali phantsi kwemali-mboleko yemoto ayiyi kunciphisa kuphela intlawulo yakho yenyanga , inokunciphisa izinga lakho lomdla.
Bonke ababolekisi bajonga kakuhle umntu osebenzele ukugcina intlawulo.
Fumana iNgeniso eQinisekayo
Ukufumana ingeniso ebonakalayo kubalulekile ekufumaneni imali mboleko yemoto. Ingeniso engqongqo yintsilelo yabaninzi beekholeji abafuna imboleko yemoto. Kunzima ukufumana umsebenzi ohlawulekayo wokuhlawula kakuhle kunye neklasi yegqeba ngexesha elifanayo. Ukuba ingeniso engenakwenzekayo kuwe nantoni na ngokukhawuleza, jonga ukhetho olungezantsi.
Thola i-Co-Signer
Indlela elula yokufumana imboleko yemoto xa ungumfundi ukufumana umphathintelwano. Umnxibelelwano womnye umntu unethemba lokuba nomsebenzi wesikhathi esigcwele kunye nekhredithi efanelekileyo ekulungele ukufakazela ukuba unakho ukuhlawula imali mboleko ngexesha. Umnxibelelwano-mlingane uthatha uxanduva malunga nemboleko yemoto ukuba unako. Akunjalo kuphela ukuba uvumelekile ukuba uvumeleke umboleko wemoto yemoto kunye nomninimzi-cosa, kodwa ngokuqhelekileyo uza kufumana inzala engcono.
Thengisa i-Credit Union yakho, iBhanki, i-Dealership, okanye ye-Intanethi
Zininzi zeendawo ezahlukeneyo zinikela ngemali mboleko yemoto. Kubalulekile ukuthenga ngeenxa zonke. Hlola kunye ne-credit union kunye nebhanki okwangoku wenza ishishini. Iimanyano zetyala zihlala zinikela kwi-1% yentlawulo ephantsi emotweni yemali kuneebhanki. Ababolekisi be-intanethi bavame ukusebenza ngezinga elikhulu kwaye banokufumana ixabiso eliphantsi.
Enye imvelaphi ayifuni ngaphezu kwayo yonke into kuwo wonke umntu. Kufuneka uhlolisise ukuze ubone ukuba imvelaphi yemoto yemali iyona nto ibhetele kwiimeko zakho.
Cinga ngokuhlaziya emva konyaka okanye ezimbini
Ngokuqinisekileyo, cinga ukuhlaziya imali yakho yemali mboleko ngeminyaka emibini ukuya kwimibini. Ukuba uye wenza iintlawulo zakho ngexesha, uqinisekisile ukuba unako ukwenza iintlawulo zakho. Ngaphezulu, umlinganiselo wakho wekhredithi mhlawumbi uya kusekwa okanye uphuculwe. Buza i-lender yakho yangoku xa kunokwenzeka ukunciphisa izinga lakho langoku okanye uqale ukuthenga enye yemboleko yemoto. Kungenzeka ukunciphisa umlinganiselo wakho wenzala kwisiqingatha emva komnyaka okanye ezimbini kwiintlawulo zenyanga ngenyanga.
Cinga ngezinye iindleko zemoto
Njengomfundi kwi-bhajethi eqinile, kubalulekile ukucinga malunga neendleko ezibophelelwe ekuthengeni imoto. Inkcitho yomshuwalense wenqwelo-mali imele ifuneke kwisithuthi ngemboleko.
Qinisekisa ukuba u-inshurensi yemoto yakho icatshulwe ngaphambi kokusayina imboleko yakho yemoto. Ngokuxhomekeke kwiminyaka yakho, imbali yokuqhuba, kunye ne-inshurensi yangaphambili, indleko yomshuwalense ingaba yinyani. Kwakhona, qwa lasela iindleko zokusetyenziswa kwamanzi kunye nokugcinwa kwezithuthi. Akuyi kuba nantoni na enokuzibekela iisondo zakho xa ungeke ukwazi ukuyiqhuba apho.
Ngamanye amaxesha umboleko wemoto yemoto yindlela yakho kuphela. Awufuni ukuqhuba ukujikeleza kwinqanaba eliza kukushiya elisezantsi kwicala rhoqo. Musa ukucinga ukuba awufanelanga ukuhlawulwa kwemoto. Abafundi banokufumana ulunge olungcono kunabo ababolekayo ngetyala elibi. Abafundi basebenza kanzima kwaye ngokuqhelekileyo kuqwalaselwe ngumthengisi ongenakho xa kuthengwa ukuthenga isithuthi.