Ukuba awunakho ezinye iindlela-ngokomzekelo, unokufuna iimali ngokukhawuleza unyango lwezonyango-umboleko wesihloko ungenza uqikelele. Kwiimeko ezininzi, ke, ziphela zixabisa ngakumbi kunokuba zifanelekile, kwaye uzibeka engozini yokulahlekelwa imoto yakho.
Indlela Imali-mboleko Yesihloko Sezimoto Isebenza
Ukuboleka kwisithuthi sakho, kufuneka ube nobungakanani ubuncinane kwimoto yakho. Kwiimeko ezininzi, kufuneka uhlawule nayiphi na enye imali ebolekileyo ekuthengeni isithuthi, kodwa abanye ababolekisi bakuvumela ukuba ubolekise ukuba usabhawula umboleko othengiweyo wokuthenga ngemoto. Ngokomyinge, le mboleko ingabuka kwi $ 100 ukuya kwii-5 500 zamaRandi.
Isixa onokuboleka sisekelwe kwixabiso lemoto yakho okanye ukulingana kwakho kwisithuthi. Eyona nto ibaluleke kakhulu, xa unako ukuboleka, kodwa ungalindelanga ukucima ixabiso lemoto elipheleleyo ngaphandle kwemboleko yesihloko. Ababolekisi bafuna ukwenza kube lula kubo ukuba babuyiselwe imali yabo, ngoko baya kuboleka kuphela oko banako ukufumana ngokukhawuleza kwaye bakwazi ukufumana imoto ukuba bahlawule kwaye bathengise isithuthi . Abaninzi ababolekayo baya kukunika imali mboleko phakathi kwama-25 ne-50 ekhulwini lexabiso lemoto yakho. Basenokufaka ifowuni yokulandelela i-GPS kwimoto yakho, xa ucinga ukufihla imoto endaweni yokuhlawula umboleko.
Ukuhlawula iMali
Imboleko mboleko yesikweletu sexesha elifutshane, rhoqo ngenxa yeentsuku ezili-15 ukuya kwi-30. Oko kuthetha ukuba kufuneka ufike ngokukhawuleza ngemali yokuhlawula ngokupheleleyo, eyaziwa njengentlawulo yebhaloli , kwaye oko akunakwenzeka lula njengoko unethemba. Kwezinye iimeko, unokwandisa intlawulo ngokugqithisa "umboleko.
Esikhundleni sokuhlawula imali mboleko, ufumana umboleko omtsha weentsuku ezingama-30.
Nangona kunjalo, ukugqithisa kuba yindlela ebiza kakhulu yokuboleka kuba kufuneka uhlawule imali entsha yokubolekisa ngemali mboleko rhoqo. Imithetho kaRhulumente ngamanye amaxesha inciphisa ukuba ukuguqulwa kukukhetha.
Unokufumanisa ukuba umnini-mboleko wakho uhlawula inzala yeepesenti ezingama-25 kwinyanga enye, engathi ingabonakali into embi. Nangona kunjalo, ukuba ufanele uphathe loo mboleko kunyaka opheleleyo, umyinge wepesenti wonyaka (APR) wenzala ngokwenene ulingana nama-300 ekhulwini.
Iindleko ziphezulu kunye neentengo zemali. Ababolekisi ngokubanzi bahlawula irhafu yemali ephezulu kunokuba ungayihlawula ngamakhadi-mboleko. Imithetho kaRhulumente isoloko iyanciphisa ixabiso lentengo, kodwa loo mida iphezulu kakhulu. Ingakumbi, kufuneka uhlawule iimali zokufumana umboleko wesikiti, kwaye ezo ntlawulo zonyusa iindleko zakho zokuboleka. Nangona umrhumo awuthiwa "umdla," usalubhawula ngenxa yokuba umbolekisi uyifake kwimali-mboleko yakho. Njengemali-mboleko ye-payday , izibopho zetyala zingakhokelela ekuhlawuleleni amaxesha amaninzi into obolekisileyo, eyongeza kwixabiso elinomdla kakhulu.
Ukulahlekelwa Imoto Yakho
Enye yeengxaki ezinkulu zeetyala zemali ngumngcipheko wokulahleka imoto yakho. Ukuba awukwazi ukuqhubeka kunye neentlawulo, umboleki-mali angayithatha imoto, ayithengise, kwaye agcine isabelo sayo semali, enokubakho ixabiso elithengiswa kuyo imoto.
Ukuba imoto yakho iyabuyiselwa, izinto ziyakwazi ukuhla ngokukhawuleza. Unokuthi ungakwazi ukufikelela emsebenzini kwaye uqhubeke ufumana umvuzo, okanye ufike emsebenzini kwaye ubuya kuthatha ixesha elide. Oku kuya kuba nomthelela kumgangatho wobomi, kuba kuya kuba nzima kuwe nakwintsapho yakho ukugqiba imisebenzi yansuku zonke njengokuthenga nokuya esikolweni. Ukuba awuyi kubeka imoto yakho kumgca, ungenzi.
Ezinye iindlela
Ngaphambi kokuba ufumane umboleko wesikiti, qiniseka ukuba uzame yonke into. Ezi zikhetho zingenakuchukumisa, kodwa zibe zikhetho ezingcono.
- Imboleko yakho yinto ekhethekileyo xa ufuna ukuboleka. Buza ibhanki yakho okanye inkontileka yekhredithi ngokuboleka ngemali-mboleko yexesha elide kumaxabiso angcono.
- Amakhadi enkoleko awanakwenzeka ngendlela ehlakaniphile yokuboleka, kodwa ayimali-mboleko engakhuselekanga engenawo umngcipheko wokuhlaziya.
- Ingeniso eyongezelelweyo inokukufumana ngendawo ekhohlakeleyo. Ukuba unako ukuthatha omnye umsebenzi, nangona okwethutyana, uya kuphuma phambili. Umsebenzi owongezelelweyo unokungabi mnandi, kwaye akunakwenzeka, kodwa kuyafaneleka ukuvavanya.
- Iindleko zokukhawula zithethwa lula kunokuba zenzeke, kodwa ukuba imihlatshelo yesikhashana ingakuthola iqhosha elinzima, mhlawumbi kungcono ukhetho.
- Nciphisa imoto yakho, ukuba unemoto ebiza ngakumbi kunokuba uyifunayo. Usenokukwazi ukugubha imali ngokuthengisa leyo moto , ukuthenga into engabizi kakhulu, nokugcina umehluko.
Ukuba kufuneka uqwalasele ngokukodwa umboleko wesikiti, cwangcisa indlela oza kuwuhlawula ngayo ngaphambi kokuba uthathe umboleko ukuze ungashiyi nto ngethuba.