Funda apho Unokufumana Imali Yemali Yesiqhelo
Imali-mboleko yemoto yeklasi ingaba yimpendulo kwimoto yakho yokubonisa umlutha. Ukuba uthanda iimoto zakudala okanye ezingaqhelekanga, unakho ukuphupha okungakumbi. Mhlawumbi uyazi inyaniso enzima: iimoto zakudala zingabiza kakhulu - zibiza kakhulu.
Nanku umbuzo obamangalisayo ukuba abambalwa abaphupha imoto beklasi bazibuze: Kutheni ungabakho imali ngemali mboleko? Ilungile lo nto. Kuthekani ngokuqwalasela imali mboleko yemoto? Kukho ininzi yabathengi ngaphandle. Uninzi lwabantu luhlawulela isethi sa mavili ngale ndlela. Kutheni ungafaneleki?
Nantsi into yokuba mhlawumbi akuyi kukumangalela: Ukufumana imali mboleko kwimoto yeklasi kunokuba nzima. Unokuzama ibhanki yakho yendawo okanye inkontileka yekhredithi, lowo unayo imali yakho yokuhlala, okanye umbolekisi oye waxhaswa yonke i-autos yakho rhoqo. Kwaye unokufumana inhlanhla. Enyanisweni, ndiza kubonisa ukuqala apho. Kodwa mhlawumbi ufumanisa ukuba abazange babhalele imboleko ekuthengeni imoto yeklasi kunye nolwazi olunzulu lweemakethe zakudala kunye neengqungquthela.
Fumana iLender Specialist
Ngethamsanqa, njenga-inshurensi, kukho abathengi abaninzi apho apho baxhomekeke ekuxhaseni ngeemoto zakudala kunye nezinye izithuthi ezingaqhelekanga.
Kwaye, ukunyaniseka, nokuba yiyo yodwa inketho. Iinkampani ezifana neJJ Best Banc & Co., I-Woodside Credit, kunye ne-Dupage Credit Union bonke abaxhomekeke kwimali-mboleko ye-classic, ye-antitique kunye neyodwa. Kukho nabanye abaninzi, nabo. Hlola kwi-intanethi okanye ubuze abahlobo bakho abaye baxhasa iimoto zabo zephupha. Iinkampani zemali-mboleko zemidlalo yindlela ehamba phambili zihamba ngeendlela ezininzi.
Okokuqala nangakumbi, bayaqonda ukuba into oyithengayo akuyona nje "imoto esetyenziswayo." Bayayixabisa iimeko ezininzi ezibonisa ukuba zixabisa imoto yeklasi kunye nolwazi olunzulu lweemarike. Kwaye ukugqiba ixabiso elichanekileyo kubaluleke kakhulu kubini kunye nomboleki.
Iimfuno zeMali zeMali zeMoto
Ngokuthakazelisayo, ezininzi zeemigaqo kunye neenkqubo zokufumana imboleko yemoto yeklasi zifana nezo ziboleko eziqhelekileyo. Kodwa kukho izinto ezichaseneyo ezibalulekileyo. Kuya kufuneka ukuba ungenise isicelo kwaye, njengokuba kukho nayiphi na imali mboleko , ngokuqhelekileyo okanye ngenye indlela, umnini-mboleko uya kuhlola ubungakanani bemali yakho kunye nembali ukujonga ukuba unako ukuthenga ukuthenga kunye nentlawulo. Zonke iinkampani zezemali ziseshishini ukwenza imali kunye nokunciphisa ubungozi babo, ke qiniseka ukuba uye wakhathalela nayiphi na ingxaki yomlando wekhredithi ngaphambi kokufaka isicelo semboleko yakho. Ngaphandle koko, uya kujonga kwizinga eliphezulu (mhlawumbi liphezulu) okanye uguqulwa ngokupheleleyo.
Nazi ezinye izinto ezimbalwa zokuqwalasela. Uya kufuneka ubeke ubuncinane be-10% (kunye no-20%) kwixabiso lokuthenga kwezithuthi. Gcina ukhumbule ukuba xa unako ukukwazi ukuhlawula phambili, umlinganiselo wakho wezantsi uza kuba.
Kwakhona, i-classic lemali yemali yokubolekisa imoto iqhubela iminyaka ukuya kweyishumi xa kuthelekiswa nemboleko yemoto emiselweyo emihlanu ukuya kwiminyaka esixhenxe. Ukuba unakho ukukwazi ukwenza iintlawulo zexesha lemali elifutshane, eliyiminyaka emithathu okanye emihlanu, qwalasela ithuba elifutshane elifutshane. Ngokuqinisekileyo uza kuxhamla kwingxowa-mboleko emfutshane emfutshane, njengoko ngokuqhelekileyo iza ngenani lentsha.
Ukuqeshisa i-Car Car Classic kunokuthenga
Kanye njengemoto eqhelekileyo, ukuqeshisa imoto yeklasi yindlela enye yokuthenga ngokuthe ngqo. Ngoqeshiso, wena kunye nomboleki wakho uya kugqiba okokuthiwa yi "xabiso elisele" ekuthengeni kwakho. Ixabiso lokunciphisa lixabiso elincinci lakho eliqhelekileyo liya kulungela ekupheleni kwexesha lokuqeshisa. Umboleki uya kukubolekisa umahluko phakathi kweendleko zesithuthi kunye nexabiso layo lokuhlala.
Ekupheleni kwexesha lokuqeshisa, umnini-mboleko uyayifumana imoto kwakhona kwaye uya kujika aze ayithengise ngexabiso elisele. Ukuba unomdla wokugcina imoto ngelo xesha, ungayithenga kumboleki okanye mhlawumbi uxoxisane nolunye uqeshiso. Ukuqeshisa ingaba yinto efanelekileyo yokuthenga, ngakumbi ukuba uyayithanda ingcamango yokutshintsha imoto yamandulo kwiminyaka embalwa. Khawukhumbule ukuba kuya kufuneka ukuba uthenge i-inshurensi ye-top-ifch xa imoto yakho yeklasi ixhaswa ngabani na ngaphandle kwakho - kwaye ukuba uqeshisa imoto yeklasi, ngakumbi nangakumbi.
Ingaba uqeshisa, uboleka okanye uthenge imoto yakho yeklasi ngokuthe ngqo, uya kuthatha uxanduva olunzulu lwemali. Abantu abanomdla bemidlalo ye-Classic banomdla ngezithuthi zabo, kodwa awukwazi ukuvumela ukuba iimvakalelo zakho zibe ngcono kuwe xa uthenga loo moto yamaphupha akho. Qinisekisa ukuba wena okanye uyingcali uhlola isithuthi ngaphambi kokuba uthenge ukuqinisekisa ukuba ufumene imoto ocinga ukuba uyiyo. Futhi ungalokothi uhlawule ngemoto yeklasi ongenakukwazi ukuyifumana ngokuqinisekileyo, kungakhathaliseki ukuba kunzima kangakanani ukuthanda. Uthando luya kupheleka kwi-blink yeso xa ufumana emva kweentlawulo zakho - kwaye unako ukukhangela iifoto zemoto yamaphupha akho, mahhala, kwi-intanethi - okwangoku, mhlawumbi ugcine imali ukuya kwelinye ilanga ukufezekisa eli phupha.
Qaphela: Eli nqaku linikezelwa ngeenjongo zolwazi kuphela kwaye akufuneki ukuba lithathwe njengegunya okanye isincomo saliphi na iinkampani ezikhankanywe ngasentla.