Umhlobo wakho (okanye umkhwenkwe-mkhwenkwe) uyakuqinisekisa ukuba yindlela kuphela kunye nezithembiso azange zifike emva kweentlawulo. Uyamthanda kwaye uyamthemba umhlobo wakho (umkhwenkwe-mkhwenkwe) kwaye bathambekele ekuhambeni. Ngaphambi kokuba ungene, nangona kunjalo, kufuneka ukwazi oko ufumana khona.
Ukuqulunqwa kwemali-mboleko ngokuzenzekelayo: Kuthetha ukuthini?
Masicacise oko ukwenzayo xa ubhawula imali mboleko yemoto . Ukubeka ngokucacileyo, uyazibophelela ngokusemthethweni ukuba uhlawule umboleko, ngokugcwele, ukuba umboleki oyintloko ukhulelwa ukwenza iintlawulo zakhe. Awukho, ndiphinda, ungasayineli nje ngokubhekiselele kumlingiswa. Ukuqhawulwa kwemboleko kuthetha ukuba uxanduva olupheleleyo lokuhlawulwa kwayo ngendlela efana neyokuba uyenzile imali.
Uza kuthintela njani imali yokubolekisa imoto?
Kukho iindlela ezimbini eziphambili zokuqhawulwa kwemboleko zingathintela i-credit yakho:
Ikhredithi yakho yekhredithi kunye nerekhodi. Ekubeni unyanzelekile kwi-matyala, imali ebolekisiweyo iya kuboniswa kwingxelo yakho yekhredithi njengokuba umboleko wawungowakho.
Oku kuthetha ukuba, umzekelo, ukuba umhlobo wakho (okanye umyeni womyeni) wenza inkokhelo yokukhawuleza, inqaku elibi liya kuvela kwingxelo yakho yekhredithi kunye nokulinganiswa kwesikweletu sakho kuya kuhla. Gcina ukhumbule ukuba ekubeni awuyena umboleki oyintloko kwaye ngoko awufumani izitatimende zenyanga, awukwazi ukuba umlinganiselo wakho wekhredithi uye wehla kwadlula ixesha elithile emva koko.
Njengoko ufaka isicelo sekhadi lesikweletu okanye uya kuthenga indlu okanye imoto. Kwaye, njengokuba ungalindela ngoku, enye inkokhelo okanye ezininzi iintlawulo ezilahlekelwe ngokupheleleyo zingachaza ukutshintsha okukhulu kwinqanaba lakho lekhredithi.
Ukukwazi kwakho ukufumana mboleko. Ukuthetha ngokufaka isicelo semboleko yakho, ukuxelanisa umhlobo (okanye umyeni womyeni) unokudala iingxaki nangona umhlobo wakho (okanye, uyazi) uphelele kwiintlawulo zakhe. Kungenxa yokuba ukubonakala nje kwemboleko echanekileyo kwingxelo yakho yemali-mboleko inokuchaphazela kakubi inqanaba lakho lemali-ngeniso , okwenze kube nzima ukufumana nayiphi na imali mboleko. Ngoko ke, kubaluleke kakhulu ukuba uqwalasele iimfuno zakho zemali-mboleko, ngoku kunye nakwixesha elizayo, ngaphambi kokuba uvume ukuboleka imali mboleko.
Izinto ezimbalwa zokuCamngca ngaphambi kokuba Utyonge.
Gcina iirekhodi. Qinisekisa ukuba ufumana iikopi zazo zonke iimpepha zemboleko. Ungaphinda ufune ukugxininisa ukuba umboleki oyintloko uyakunika iikopi zazo zonke iirisithi zokuhlawula kunye neenkcukacha ezilandelayo kunye ne-insurer. Khumbula, umlinganiselo wakho wekhredithi uphantsi komgca nje ngoboleki bokuqala, ke qiniseka ukuba uhlala unolwazi.
Yilungiselele ngakumbi. Ekubeni uya kuba noxanduva ngokupheleleyo kwiintlawulo zemboleko ukuba umboleki-mali oyintloko uhluleka ukwenza iintlawulo, qi ni sekise ukuba unempahla ekhoyo ekhoyo ukuze uhlawule iindleko zenyanga ezongezelelweyo ezingabangela.
Imvume evela kumboleki. Unako ukukwazi ukufumana iimvume ezimbalwa kwi-mboleko ngaphambi kokuba uvume ukukhetha. Ngokomzekelo, umnini-mboleko unokuthi uzimisele ukubeka kuphela uxanduva lokubuyisela inqununu ngemboleko, kwaye kungekhona nayiphi na iindleko zokuhlawula emva kwexesha okanye ezinye iirhafu. Unokucela ukuba umnini-mboleko azisixelele ngokuthe ngqo ukuba umboleki oyintloko ufike emva okanye uhlaselwa kwiintlawulo zakhe zenyanga. Umboleki-mali angakuphika izicelo zakho, kodwa akubanga buhlungu ukubuza.
Isikhathi Esingaqhelekanga Xa Ukubambisana Kungabalungela Wonke umntu
Ukuba awunayo amanqaku okuthenga ngetyala kunye nesondlo esisisondelene nesixa-mali, nina bobabini banokuzuza kwilungiselelo lokulungelelanisa.
Kwimeko echazwe ngenye yemali enkulu yemali yokunika ingxelo yokuthenga ngetyala yase-United States, umntu onenhlanhla angenazo iitaliti (ayikho ngetyala elibi, elilibali elifaniyo) wakwazi ukufumana umboleko wemoto ngoku-0%. igama lohlobo kunye naye njengombhalo.
Kulo mzekelo, umntu onenhlanhla wakwazi ukuqala ukwakha amanqaku ekhredithi ngenxa yoncedo lwesihlobo esithembekileyo. Ukuba ufumana imeko efanayo, kunokufanelekile ukuxoxa ngesicwangciso esinjalo kunye nezihlobo kunokuphelelwa lithemba kwi-prospect of being unable to take a loan.
Ukuqhawulwa kwemali mboleko kunobungozi kwaye kunokubangela uxinzelelo oluninzi. Nangona konke kuhamba kakuhle, kunjalo, ingaba namava amahle anokuqinisa izibophelelo zomntu. Qiniseka ukuba uqonda ngokucacileyo iingcipheko ezinokwenzeka ngaphambi kokuba uvume ukukhetha. Yaye khumbula, ukuba awunakho konke ukulungelelanisa nelo lungiselelo, ungesabi ukusho "hayi." Unokugqiba ukugcina ubudlelwane obubalulekileyo.