Ingxaki enjalo ukuzinikela yile ngethuba ngamanye amaxesha inokufumana okusemandleni akho, njengokuba uthenge ibhayisikili lamaphupha akho.
Ukubeka imali kumatshini omtsha okanye osetyenziswayo akusikho ixesha lokushiya ingcamango engqiqo. Ngoko ke, ngaphambi kokutyelela umthengisi wendawo okanye ukhangele iintengiso ezifunayo, chitha ixesha elithile ukuba uqikelele ukuba ungakanani ukukwazi ukuchitha kunye nokufumanisa konke ongakwenzayo kwindlela efanelekileyo kunye neyona ndlela yokonga imali yakho ngesithuthuthu.
Ukuxhaswa ngeSithuthuthu kufana nokuxhaswa kweMoto
Ukuba uke wakha imali ngemoto, uya kuqonda into eninzi ukuyifunda. Kukho ukungafani phakathi kokuxhaswa kwemoto kunye nesithuthuthu, kodwa kukho ukufana okunye, okungafanelekile ukuba kungabonakali. Kuzo zombini iimeko, uthengisa isithuthi ukuza kuwe. Kwimeko zombini, isisombululo esihle kakhulu. Kwaye kumabini omabini, ukubolekwa kwemali mboleko mboleko, oku kuthetha ukuba umboleki-mali ubeka ingozi kuwe. Ngoko baya kufuna ukwazi izinto ezimbalwa ngawe, ingakumbi imbali yakho yematyala.
Cwangcisa kwi-Check Check
Kuphi ixesha lokugqibela uhlolisisa umlinganiselo wakho wekhredithi? Unokufuna ukwenza oko ngaphambi kokuba ufake isicelo sakho semboleko. Kukho akukho nto enokuyenza xa unetyala elibi, kodwa ukuba kukho, kuya kubandakanya impazamo kwingxelo yakho yekhredithi . Oku kuyinto enokumnyamekela phambi kokufaka isicelo semboleko yakho.
Kwakhona, ukuba uthetha ityala elininzi lamatyala ekhredithi, cinga ukulinda de ukuba uhlawulwe okanye ubuncinane indlela phambi kokuba ufumane ibhayisikili. Njengoko kubonisiwe, ukubolekisa imali kuninzi ukuyenza ngokuthatha umngcipheko kwaye oko kuyinyaniso yemali-mboleko yemoto. Ababolekisi bayazi ukuba ukugibela isithuthuthu kuyingozi kakhulu, ngoko ke kusemngciphekweni kunokuba uqhube imoto, ngoko lindela ukuba ibe nzima kakhulu kunokuba uthengisa ngemoto.
Ukuthengwa kweMali yokuThuthukiswa kweThithuthuthu eyona nto ibalulekileyo njengokuba kuthengwa kwi-Bike ehamba phambili
Ikheshi yindlela yokuhamba ukuba unayo, kodwa ndiya kucinga ukuba ufunda oku ngenxa yokuhlawula imali ayikho inketho. Kukho inani leemoto zokuthenga ngemoto, nangona kunjalo. Abanye bangcono kunabanye, kwaye bambalwa abalungile. Masiqwalasele:
U Mlawuli
Phantse bonke abathengisi beekhithuthuthu banikela ngemali kubathengi babo. Ukubamba apha, kunjalo, kukuba kufuneka uthenge i-bike yakho kwi-dealership. Ngamanye amagama, akukho bhasi esetyenzisiweyo evela kumthengisi wangasese. Baya kujonga ikhredithi yakho, njengoko kuya kuba njalo kubo bonke ababolekisi, kunye noluphi uhlobo lwaloo mama. Kodwa banokuba nabo bazimisele kakhulu ukusebenza nawe. Kodwa ungalindeli amaxabiso angcono, nangona kunjalo, kwaye uqiniseke ukuba uyayifunda kwaye uyayiqonda ngokupheleleyo imiqathango yesivumelwano sakho semali mboleko.
Umenzi
Abenzi bee-Motorcycle nenye imithombo yokuxhasa imali. Zihlala zibonelela ngeenkqubo ezizodwa zemali njengenxalenye yemizamo yabo yokukhuthaza ukuthengisa, ngokukodwa kwimimodeli esanda kuveliswa okanye kwiimodeli ezincitshiswa ekuthengiseni. Njalo ubuze umthengisi wakho ukuba kukho nayiphi na i-OEM (umenzi wezakhiwo zangaphambili) obolekayo kwiimodeli onomdla kuzo.
Amabhanki kunye neManyano yeMatyala
Enye yezona ndawo ezifanelekileyo zokufuna iimboleko zivela kwibhanki yendawo okanye umanyano wesikweletu . Iirhafu kunye nemigaqo ekhoyo ihlala ilungile kunokuba uya kufumana kwezinye iindawo, ngakumbi xa kuziwa kwiimanyano zesikweletu. Ngokuqhelekileyo akumele ube ngumthengi wamanje ukuze uthole imali mboleko yebhanki, kodwa uya kufuneka ube ilungu le-credit union ukuze ufumane inkxaso-mali apho.
Ukufumana amazinga angcono, ukujoyina inyunyana yemboleko mhlawumbi kuyafaneleka.
Ababoleki be-Intanethi
Kukho abathengi abaninzi abasebenza ngokusisiseko kwi-intanethi, abanye ngamagama oya kuwamkela kwiintengiso kumabonwakude, abanye ongenakho. Aba babolekisi bafanelekile ukuba bahlole, kodwa qiniseka ukwenza umsebenzi ophantsi wesikolo kwi-intanethi ukuze ubone indlela abathembekileyo ngayo kunye nendlela abaxabisa ngayo abathengi babo.
Yintoni ekufuneka uyigweme
Ukuthatha imali-mboleko yokuba ikhaya lakho libe yinto yokubambisa kufuneka uqwalaselwe ngokucophelela. Le nto kwakhona apho imvakalelo yokuba nebhayisikili yamaphupha akho ingafakela isizathu sakho. Ngaba ufuna ngokwenene ukubeka ikhaya lakho engozini yebhayisikili entsha? Mhlawumbi akunjalo. Yaye ucinge ngako, ukuba awukwazi ukufumana mboleko yesikolo esivamile, mhlawumbi isizathu esihle. Kungesizathu esifanayo sokuba ukuzithengisa imali ngemali yakho yinto engalunganga.
Enye ingcinga embi: ukuthenga ibhayisikili kwikhadi lakho lesikweletu . Ukuba unomlinganiselo ophezulu, ingcamango iyilingo. Kulula ukwenza, phantse kulula. Kwaye akukho khredithi yokujonga ukuba sele unayo ikhadi. Into emele ikuvimbele ukuba ungayenza, nangona kunjalo, iirhafu eziphezulu zenzalo uza kuba uhlawule kunye nezohlwayo ezimbi uza kuzinyanisa xa ufumana emva kweentlawulo zakho.