Ziyintoni Ukubuyiswa?
Kwi-repossession, inkampani yebhanki okanye yokuqeshisa ithatha isithuthi kude nomboleki, kaninzi ngaphandle kwesilumkiso.
Ababolekisi bangathumela umqhubi ukuba aqoke imoto, okanye bangayisusa ngeloli ye-tow. Kwezinye iimeko, imoto yakho iya kukhutshazwa ngumlawuli odeleyo ukuze ungeke uyigxilise uze udibanise izinto.
Kuphi na ukuhlaziya kuvunyelwe? Ukuboleka imali okanye ukuqeshisa imoto, kufuneka uvumelane nemimiselo ethile. Umzekelo, uyavuma ukwenza iintlawulo ngexesha kwaye ugcine inshuwalense efanelekileyo kwisithuthi. Ukuba awuhlangabezani nale mfuneko, ibhanki (okanye inkampani yokuqeshisa) inelungelo lokuthabatha imoto .
Iingxaki zokubangela: Ukongeza kokulahlekelwa yimoto, i- credit yakho iya kuba neengxaki, kwaye uya kuba neerhafu ezibalulekileyo. Ukubuyiswa kwakhona, nokuba ugqityiwe imoto okanye awukho, ubonisa kwiirekhodi zakho zekredithi iminyaka eyisixhenxe kwaye kunokukhokelela kwizikolo ezincinci zematyala. Siza kuxubusha ezo ngxaki ngokubanzi ngezantsi.
Akho Amalungelo
Umboleki wakho unokuba nelungelo lokuthatha imoto yakho, kodwa unamalungelo. Iinkcukacha ziyahluka ukusuka kummandla ukuya kutsho kwaye zibolekisa ukuboleka imali, ngoko qi niqiniseke ukuba ufunda izivumelwano zakho ngokucophelela kwaye ukhangele nabameli beendawo.
Ukuba wena okanye usapho lwakho usemkhosini, imigaqo eyongezelelweyo ingasebenza.
Ipropati yangasese: Ababolekisi banokuphinda bathathe isithuthi esimiswe kwipropati yabucala, kodwa imithetho yomgaqo-nkqubo iwanqanda ukuba "bangcolise uxolo" ngelixa besenza njalo. Ngokomzekelo, ama-agent ahlaziyo awanakonakalisa ipropati ukufikelela kwisithuthi sakho.
Ngokuqhelekileyo abakwazi ukutshabalalisa ukukhiya ukungena kwigaraji lakho, kwaye abanakuyisebenzisa okanye besongela ukusebenzisa amandla emzimbeni xa bethatha imoto yakho.
Intengo yokuthengisa: Ukuba imoto yakho ithathwa kwaye ithengiswa, umboleki uyafuna ukuyithengisa ngexabiso "lentengiso". Akufuneki ukuba yintengo efanelekileyo, kodwa umboleki makenze umgudu wokufumana ixabiso lemarike elungileyo ngaphandle kwemoto. Ngoba? Imali yokuthengisa iya kuhlawula ukuhlawula ityala lakho , ngoko bekungekho sikweni ukubuyisela isithuthi kwaye "uyinike" omnye umntu.
Thetha nommeli wengingqi ukuba ukubuyiswa kwexesha kukuphumela kumalungelo akho aphulwa. Unokuba nelungelo lokuthatha isenzo somthetho kumbolekisi wakho (kubenze bahlawule ipropati eyonakalisiweyo, umzekelo), kwaye umboleki wakho unokulahlekelwa yikhono lokuqokelela imali eyaneleyo evela kuwe.
Ukusilela
Izinto azipheli emva kokuhlaziya. Ukuba umnini-mboleko wakho uthengisa imoto yakho, ukuthengiswa kuqhubeka kuya kwi- balance balance . Kwiimeko ezininzi, imoto iyathengisa ngaphantsi kweentlawulo zakho, ngoko ke umboleko wakho awukahlawulwa. Isixa osikweleta emva kwesithuthi sithengisa kuthiwa siswele .
Iindleko ezongeziweyo: Ukongeza kwi-balance balance yakho, kufuneka uhlawule iindleko ezinxulumene nokubuyisela imali. Iintlawulo zingabandakanya iindleko zokuthumela i-agent reossession, ukugcina imoto, ukulungiselela isithuthi, kunye nokunye.
Ezi zindleko zongezelelwe kwi-balance balance.
Ukuba awukwazi ukuhlawula ibhalansi, lindela umboleki wakho ukuba athumele i-akhawunti yakho kwi- arhente yokuqokelela . Ngelo xesha, unokuxoxisana nokuhlawula, ungahlawuli nto, okanye usethe isicwangciso sokubuyisela. Kwezinye iimeko, ityala lakho liya kuxolelwa okanye lihlawuliswe (mhlawumbi kubangelwe ukuhlawulwa kweerhafu ngokuxolelwa ngamatyala ).
Indlela Yokugcina Imoto Yakho
Ukuba ufuna ukuyeka inkqubo yokubuyisela nokugcina imoto yakho, kukho iindlela ezininzi ezikhoyo (kuxhomekeke kwimeko yakho kunye nemimiselo yesivumelwano sakho). Inkampani yakho yokubolekisa okanye yokuqeshisa kufuneka icacise ukuba zeziphi izinto ozikhethayo, kunye neemfuno kunye nexesha elikhethiweyo lokukhetha ngalinye.
Phindela kwakhona: Ufuna ukubetha iqhosha "Hlaziya"? Enye inketho kukuhlawula zonke iindleko zakho ezidlulileyo kunye neendleko zokubuyisela, okuya kufumana kwakhona imali mboleko yakho.
Uza kufumana imoto, kwaye uza kubuyela kwindawo efana nawe ngaphambi kokuba uhlaziywe (nangona i-credit yakho iyakubonisa ukusilela ).
Nangona uqhubeka uhlangabezana nemimiselo yesivumelwano sakho esiya phambili, imoto iyakho.
Ukukhulula: Ukubeka zonke izinto emva kwakho, ukuhlenga kunokuba yinto ekhangayo. Oku kubandakanya ukuhlawula ngokupheleleyo kwiimboleko (zonke iintlawulo ezidlulileyo-mali, kunye ne-balance balance loan) kunye nezo zonke iindleko ezinxulumene nokubuyisela. Ngamanye amagama, uthengela imoto kwaye uhlawula iirhafu zomthetho. Oku akulula kubantu abaninzi-ukuba unayo imali oya kwenza iintlawulo-kodwa kungenangqiqo ukuba uyenzile isithuthi okanye wenza uphuculo oluthile.
Ukuphazamiseka: Ukuba ufaka i-bankruptcy , unokuyeka inkqubo yokubuyisela-ubuncinane okwethutyana. Iziphumo zakho zokufakela "ukuhlala ngokuzenzekelayo" eziyeka ukuqokelela imizamo ngabathengi bakho. Nangona kunjalo, le nkqubo iyinkimbinkimbi, kwaye ukuphindaphinda kusekhona ngokuvunyelwa kwijaji. Hlola nommeli wengingqi ngaphambi kokuba uyeke ukwenza iintlawulo okanye uthembele ekukhuselweni kwi-bankruptcy.
Ibhidi kwintengiso: Ababolekisi bangayithengisa imoto yakho ngokuthengisa ngasese okanye kwintengiso yomntu. Umboleki kufanele akuxelele malunga nento eyenzekayo kwisithuthi emva kokuhlaziya. Ukuba imoto iya kuthungelwano, ungazama ukuza kwaye ubhade emotweni. Ukuba uyaphumelela, uya kufumana kwaye awudingi ukuqhubeka uhlawula, kodwa usenokuba ne-balance balance.
Iipropati zomntu
Mhlawumbi ngeke ukwazi ngokucacileyo xa i-agent repossession iza kwi-car yakho. Unokumane uhambe ngaphandle uze ubone ukuba isithuthi asikho. Ukuba ixesha liyamangalisa, kukho ithuba elithile lokuba ezinye zezinto zakho ziza kuba semotweni (isethi yezixhobo kwi-trunk okanye kwiingubo kwisitulo sokugqibela, umzekelo). Ekubeni ezo zinto zazingekho inkontileka yasekuqaleni, umnini-mboleko wakho akanalo ilungelo lokuzigcina. Emva kokuhlaziya, kufuneka uxelelwe ngendlela yokubamba izinto zakho. Kodwa yenza ngokukhawuleza-unokuba neentsuku ezingama-30 okanye njalo.
Kuthiwani malunga neengxenye ze-postmarket kunye nokuphuculwa? Umtyholi uhlale eenkcukacha (ngoko funda ukuprintwa okulungileyo kwaye ukhangele kunye nommeli wendawo), kodwa mhlawumbi ukhuselekile ukucinga ukuba nantoni na enamathele kwisithuthi ayiyi kubuyiselwa kuwe. Ukuba unamavili anqabileyo, ukumiswa, kunye nezixhobo zomsindo, zitshintshe ezo zinto ngeengxenye zempahla ngaphambi kokuba imoto yakho ibuyele.