Ngaba Imali YesiKhotyana Ixesha Elifutshane Elifanelekileyo?
Iinkonzo ze-Car-Month Month Loan
Inzala ephantsi
Ngokuqhelekileyo, imfutshane imboleko yemoto, bhetele inzala inomniki -mboleko iya kunika. Ukuboleka imali encinci kubonakala kunomngcipheko omncinci wokungagqibekanga ngumboleki. Umboleki uvuza ababolekisi bemali-mboleko yexesha elifutshane ngokunciphisa inzala. Okubaluleke kakhulu, uya kuhlawula ngokubanzi isithuthi sakho ngokusayinela umboleko wemali eyongezelelweyo.
Bhatala iMali Yakho Imali Ngokukhawuleza
Ubude bemali yemali eqhelekileyo yimizuzu engama-60 okanye iminyaka emihlanu ubude. Ukukhethwa kwemali-mboleko yexesha elifutshane kukukhiya inkokhelo enkulu ngokumalunga nemali-mboleko yemoto engama-60, ungabuyeli kwaye ukhokhe ngaphantsi. Iindaba ezilungileyo wena ungumendo wokuphuma kwetyala ngexesha elithile elifanelekileyo. Ngokukhawuleza uhlawula ityala, ngokukhawuleza unako ukuqhubela phambili kwinto ezayo kwaye into enkulu. Inxalenye engcono kakhulu ngemali-mboleko yexesha elifutshane kukuba lixesha elifutshane.
Awunakuze Ukhohlwe Ngakumbi Kunokuba Imoto Yifanele
Lo uva lonke ixesha kodwa abaninzi abantu abakucingi ngokugqithiseleyo ngemiphumo yokuhlawulwa ngaphezu kwesithuthi.
Ukuba uhlala ehlawula umvuzo wokuhlawula imali, ukuhlawulwa ngaphezu kwesithuthi kuyafaneleka kukucinga. Ukuza kunye nesininzi esikhulu semali kunokuba nzima ukushiya ngaphandle kwesithuthi.
- Ilahleko elipheleleyo lokulahleka liyakushiya uhlawule imali eninzi kwisithuthi ongenakho ukuqhuba.
- I-inshurensi ye-Gap inokunceda, kodwa ayisoloko ihlanganisa yonke into. Ngaba uncedise iwaranti okanye i-rollover imboleko yemoto engaphambili? I-inshurensi ye-Gap ayiyi kubhalwa enye eyongeziweyo kwimboleko yemoto.
- Izithuthi zinciphisa kwaye zikhawuleza. Ingxowa yemali yeminyaka emithathu ingakubeka emva kokuthelekiswa nexabiso lesithuthi sakho.
Imali-mboleko yemali engama-36 iyakwenza ukuba ungabi phantsi kwamanzi kwimboleko yakho yemali. Ukuba ungena kwimali-mboleko yesikhashana kunye nemali ephantsi, kunokwenzeka ukuba uhlawulwe ngaphezu kwexabiso lezithuthi, kodwa akufanele lihlale ixesha elide. Uya kuhlawula phantsi ityala ngokukhawuleza kunokuba isithuthi sithintela. Njalo gcina iliso kwixabiso ngokubhekiselele kwinto omele uyenze. Ukunciphisa imoto kuyinkathazo. Khangela i-KBB.com ukubona ubunani bexabiso lesithuthi sakho.
Qala Ukulondoloza Into Enye
I-perk eyoyikisayo yemboleko yesikhashana, ikhulule imali yakho! Yenza oko okuthandayo, kodwa abaninzi abacebisi bezemali baya kuncoma ukuba bayilondoloze. Yilondoloze ukuthengwa kwezithuthi ezilandelayo ukunciphisa okanye ukusula imali mboleko yemali ezayo. Yibeke kwi-fund yexakeka. Gcina iikholeji yakho yezingane. Gcina kwi-akhawunti yakho yomhlalaphantsi. Kungakhathaliseki ukuba wenza ntoni ngemali eyongezelelweyo, yimali ongeke ufikelele kuyo ukuba wawuthathe imali ebolekileyo yemoto.
Iinqununu zeeNqwelo
Ukuqhawula imboleko yemoto ekuqaleni kushiya ezinye iinketho kwi-inshurensi yemoto yakho. Anditsho ukuba ndiphephe kwaye ndilahle umonakalo owenziwe ngumonakalo, kodwa kulungile ukwazi ukuba unokhetho.
Umzekelo : Iindleko ezinkulu zonyango zivela, kwaye unzima ukufumana iziphumo. Ngenxa yokuba uhlawule umboleko wakho wemoto ngokukhawuleza kunye ne-short-term yemali-mboleko yemoto, unako ukususa ukukhutshwa okubanzi kunye nokudibanisa .
Nguwuphi umzekelo weemeko ezimbi kakhulu. Kuthemba ukuba, ukuba isithuthi sinexabiso elininzi, uza kuthatha amanyathelo okulungisa kwaye unciphise ukuqhuba kwe sithuthi ngelixa uhlahlo lwexabiso lusehla. Umonakalo ongokwenyama ungaphinda ungene kwixesha xa unako ukuwufumana. Ingongoma apha kukuba ukuba usenayo mboleko kwi sithuthi, awuyi kukwazi ukuyeka ukukhutshwa komonakalo emzimbeni kuba umboleki ufuna ukuba kube ngumgaqo-nkqubo. Ukuba umboleki-mali uyaziswa malunga ne-coverage yehlisiwe, baya kukwenza ukuba bathathe ipolisi yomshuwalense wenkampani yesithathu ebiza kakhulu kwaye ithumele ibhilikhwe kuwe.
Umthwalo weNgxowa-mali yeeNyanga ezingama-36
Ubophe imali yakho
Ukuzibophelela kwintlawulo ephezulu yenyanga yokuhlawula isigqibo esikhulu. Okubaluleke kakhulu, imali ayiyi kubakho kwiindleko zongxamiseko. Kubaluleke kakhulu ukufumanisa uhlahlo lwabiwo-mali phambi kokuba uvumelane nemigomo yemboleko yemoto. Qinisekisa ukuba amathuba okuba uzinze kwiimali ziphantsi kakhulu kwikhosi yakho yonke. Akunakuvakala ukuba avume ukukhawulezisa inkqubo yokubuyisela ngokukhawuleza kwaye ibe nesithuthi esabuyiselwe.
Eminye Imali-mboleko yeeMoto Iingqwalasela zekota
Hlola zonke iinketho zakho! Sebenzisa i- calculator yemali yemali-mboleko ukukunceda uhambe kuzo zonke iinombolo. Okokuqala, fu manisa ukuba yintoni inqanaba lomyinge lomyinge malunga nobude bemboleko yemoto. Emva koko ufaka ubude bemboleko yemoto kunye nomyinge wenqanaba lokubambisa kwisixhobo sokubala kwemali yemali. Bhala yonke imali yokuhlawula imali.
- Imali-mboleko yeeNyanga ezingama-48: Ngamanye amaxesha umboleki-mali uhlawula inzala efanayo kwimizi-mboleko yemali engama-36 kunye nemali-mboleko yemali engama-48. Cinga ukuthatha inkokhelo engaphantsi kwenyanga kunye nemali mboleko, uhlawule ngaphezu kobuncinci. Umehluko omkhulu apha ukuba ungena kwi-jam yezemali, unokukwazi ukuqala ukuhlawula ubuncinane ngenxa yokukhulula imali yongxamiseko.
- Imali-mboleko yemali yeeNyanga ezingama-60: Nangona i-mboleko yemoto engama-60 ihamba ne-interest rate ephezulu, kusenokwenzeka ukuba uhlawule umboleko kwangoko. (Kucinga ukuba akukho mali eprintiweyo encinci yokuhlawulwa kwemali mboleko kwangaphambili.) Kwakhona, uhlawule ngaphezu kokuncinci ngenxa yobuncinane. Ekupheleni kwemboleko, ukungafani kokugqibela kungenakho konke oku. Ngaphezu koko, unenkululeko yokunciphisa intlawulo yakho kubuncinane ngenxa yantoni naxa ubona kufanelekile.
- Imali engaphezulu kwama-60-Inyanga Imali-mboleko yemoto : Ukuhamba iinyanga ezingaphezu kwe-60 kwimali-mboleko yemoto ayikhuthazwa. Ngokuqhelekileyo isibonakaliso awukwazi ukufumana isithuthi. Phindela emuva kwinqanaba malunga nokuhlawulwa ngaphezu kwesithuthi. Ixabiso lentlawulo ephezulu lidibaniswe nobude bemboleko ephantse yenza ukuba uhlale phambi kokunciphisa.
Ukuhlawula okungekho kwimali-mboleko yemoto ayisebenzi kuwo wonke umntu. Kwabanye, ukulingwa kwemali efikelelekayo kuninzi kakhulu. Ukuzibophelela kwimali-mboleko yesikhashana kunye nokuzibophezela ekuphuculeni ikusasa lakho lemali lisebenza kuphela ukuba unamathele kuyo. Ukuhlaziywa kwakhona kwakhona kunokwenzeka, kodwa kungabangela ukuphazamiseka. Ukubheja phambili kukukhetha imboleko efanelekileyo okokuqala ngqa.
Kulula ukubona ukuba kukho ezininzi iinkqubo ezihlawulwayo kwixesha elifutshane lemali mboleko kunokuba unengxaki. Nceda ugcine engqondweni akukho mboleko yemoto epheleleyo kumntu wonke. Wonke umntu unembali eyahlukileyo kunye neemeko ezahlukeneyo. Imboleko mboleko ye-auto ekhoyo ngoku isithuba esingaphezu kweenyanga ezili-60. Iimoto ziya kuba zibiza ngokugqithiseleyo ukwenzela ukuba kunzima ukuthenga imali mboleko emfutshane. Uhlahlo lwabiwo-mali lungaba ngumtshintshi wezemidlalo kwixesha lakho elizayo. Ukukhetha ubude bentengo yemali yemali-mboleko kunokukunceda ukuba ube nenkululeko yemali.