Izinto Ezifanele Uyazi Ngaphambi kokuba Uthenge le Nqwelo entsha
Kodwa akukona nje ngophando olungundoqo kunye nokufumana ixabiso elifanelekileyo. Kukho neminye imibuzo omele uzibuze yona ngokulungiselela ukuthenga imoto entsha.
Ukuze ufumane i-intle yeyona nto ilapha, yile mibuzo ephakamileyo ezintandathu ozozibuza yona (kunye namanyathelo omele uwathathe) ngaphambi kokuba uthenge imoto entsha.
1. Ngaba ungekho phantsi kweNkxaso yakho yeMoto yangoku?
Unokwazi abantu abaye bathetha ukuthenga imoto entsha, kuphela ukuba bafumane ukuba abanako ukufikelela ngenxa yokuba " babekwe ngaphantsi" kwimboleko yabo yangoku. Wamkelekile kwiinyanga ezi-60 (okanye ngaphezulu).
Kwakukho ixesha apho iimali-mboleko zemoto zaziyiinyanga ezingama-36 eziqhelekileyo. Kancinci, loo migaqo yaba yinto ende ukwenzela ukuba abantu abaninzi bakwazi ukufumana iimali-mboleko abazange bakwazi ukuzenza ngokunciphisa intlawulo yenyanga. Kodwa ngelixa ihlawulwa yenyanga nganye inokuba yinto efikeleleka kakhulu kwixesha elifutshane, ixesha elide libolekisa ngokugqithiseleyo ekuhlawuleleni enye inzala ngaphezu kwexesha elide.
Ngeendlela ezininzi, intlawulo engaphantsi kwenyanga ayiyena umhlobo wakho ekuhambeni kwexesha, ngokukodwa kwixabiso elihlawulezayo elinjengemoto.
Ukuba uzama ukuthengisa imoto yakho ngaphambi kokuba ixesha lemboleko liphelile, unokufumanisa ukuba imoto ixabisekile kakhulu kunokuba unetyala kulo. Ukuthenga imoto entsha, kufuneka uhlawule imali ekubolekeni kwemali yokuqala okanye uyiqhubele kwimboleko emitsha, edala imoto entsha eninzi xa kuthethwa konke kwaye kwenziwa.
Ukuthenga imoto ehlawule ngokukhawuleza yinto enye enokubangela ukuba "uphelelwe phantsi" ngemboleko yakho. Unokwenza uphando oluthe xaxa malunga nokunciphisa kwi-Edmunds.com.
2. Ngaba Uphando lwe-Value-In Value of Car yakho yangoku?
Nangona ukulinganisa ukulinganisela enye, kufuneka ugcine ukuthengiswa kwemoto yakho endala kunye nokuthengwa kwemoto yakho entsha njengento yokuthengisana eyahlukeneyo ngokufumana umrhumo wokuhweba ngaphambi kokuba uxoxe ngexabiso lemoto entsha. Abanye abathengisi baza kukunika inzuzo efanelekileyo yokuthengisa kodwa baya kuphakamisa intlawulo yemoto oyithengayo ukuhlawula. Ukuze ugweme le nto enokuyenza kwaye utshintshele, kufuneka ukwazi ukubaluleka kwezorhwebo yemoto yakho yangoku kwaye unqume ukuba ngaba ungayithengisa wena okanye uyayithengisa.
3. Ngaba Uphando lweeNkcazo zemali kwiMali yeMali?
Musa ukuvavanya i-deal ngokusekelwe kwintlawulo yenyanga. Lo ngumgibe oqhelekileyo kunye neendlela eziqhelekileyo zokuthengisa. Inzala yenzalo apho iindleko zemali-mboleko yemoto zihlala khona. Yazi ukuba uza kulihlawula phi ubomi bomboleko kwinqununu kunye nomdla. Ukuba umthengisi unika inzala enomdla, fumana ukuba yeyiphi imilinganiselo yekhredithi oyifunayo ukuze ufanele ukufikelela kuloo nqanaba. Akuqhelekanga ukuba abathengi bemoto abatsha bacatshulwe umyinge, bazalise iphepha, baze baqhube emotweni yabo entsha ukuba bafumane ifowuni emva kweentsuku emva kokuba bathi abafanelekanga kwizinga elicatshulwayo kwaye inkokhelo yabo iya kunyuswa ngokufanelekileyo .
Yazi ngaphambi kwexesha ukuba ingaba ibhanki yakho (okanye nayiphi na ibhanki okanye inkontileka yekhredithi oyikhethayo) iya kukunika imali mboleko emotweni ngaphambi kokuba wenze isigqibo phakathi kwebhanki kunye nomthengisi. Inqaku: ibhanki okanye inyunyana yekhredithi iya kuphelisa ukuba ibe bhetele kwezi zimbini.
4. Ngaba Ucinga Njongo Zokuthenga Imoto Eyisebenzisiweyo?
Akukho nto enjengomvakalelo wokuthenga imoto entsha yemoto, kodwa njengoko kunjalo, kufuneka uqwalasele iindleko. Iimoto zinciphisa ngokugqithisileyo kwiminyaka emibili yokuqala - malunga nama-30 ukuya kuma-40 ekhulwini. Cinga ngala manani: imoto ohlawula ngayo ii-25,000 zamawaka namhlanje ingaba i-$ 15,000 kuphela nje emibini emfutshane nje ukususela ngoku. Ngethuba nje xa ugcina imoto iminyaka eyisibhozo okanye ngaphezulu, ukwehla kwexabiso kuyinto encinci ye-moot point. Kodwa ukuba uthengisa imoto yakho ngaphambili, uya kugqiba ukuhlawula imali eninzi kwimoto kunokuba kufuneka ube nayo.
5. Ngaba Uyazi Iindleko Zinyani zobunini beCar?
Ungazifumani ixesha elide ukuba unokukwazi ukuthenga imoto, kodwa awukwazi ukukwazi ukuyifumana ngenxa yeendleko zokusebenza, i-inshorensi, i-gas mileage, irhafu yentlawulo yonyaka, kunye nezinye iindleko zobunini. Awunakulungele ukuthenga imoto entsha uze uphande kwaye uqwalasele olu lwazi.
Ngokuqhelekileyo abathengi bemoto abatsha abanakucinga ngeendleko eziphezulu zokulungiswa kunye nokugcinwa kwemodeli ethile, amathayi axabisa kabini nakwezinye iimoto, iindleko zegesi eziphezulu kunye ne-inshurensi ephakamileyo (kuxhomekeke kwenziwe, imodeli kunye nombala).
Enye yezona zinto zibaluleke kakhulu kukubhaliweyo kwirekhodi kunye nokwenza imodeli. Ingaba inembali yeengxaki ezithunyelwayo? I Brake? Izixhobo zombane? Ziyintoni indleko zokulungiswa rhoqo kunye nokugcinwa? Ngokuqhelekileyo unokufumana yonke le ngcaciso kwi-Edmunds.com. Le yindawo enkulu enokukunceda ukuba ugcine imali kwaye ugweme ukuxhatshazwa xa kuziwa ekuthengeni imoto.
6. Ngaba Uhlolisise nawuphi na uMthengisi okanye uMenzi weeMveliso ezifana neRhafu okanye iRhafu yeNzala?
Isaphulelo se-$ 2,000 kwimoto yakho entsha inokuvakala kakuhle, kodwa ngaba uqinisekile ukuba uyabetha i-interest-rate rate-rate ukuba umthengisi anganikela ngenye indlela? Musa ukukhohliswa ngumkhwa we-cash front. Akunjalo ngaso sonke isikhathi. Ku-Edmunds.com unokufumana indlela yokuvavanya ezi zinikezelo ukuze uphume phambili. Unokufumana kwakhona malunga nezaphulelo kunye neentengo abavelisi abazinikeleyo kodwa umthengisi akakutshilo malunga (kunokuba baxake imali yokugcina imali kuwe, umthengi).
Ukuthengwa Kweenqwelo Zothutho
Yenza umsebenzi wakho wasekhaya. Ungagqithisi ibhalansi yomboleko ophantsi kumyinge-mboleko omtsha nje ngenxa yokuba ukhathele imoto yakho endala. Fumana umnikelo wokuthengisa ngaphakathi ngaphambi kokuxoxa ngexabiso lemoto entsha. Emva koko sebenzisa lonke ulwazi kunye nolwazi oluqokelele ukuthetha ngolu hlobo. Ungaphinda ufune ukujonga iimpazamo ezi - 5 ezikhulu ukukhusela xa uthengisa i-Ca r kwaye ukuba unewokuthengwa kwemoto, Indlela yokuthenga yakho Imoto yokuqala .