Kodwa xa uthengela imoto entsha, kubaluleke kakhulu ukuthenga ngeenxa yemali mboleko yemoto . Unokufumana uhlawulelo olungcono kwi-bhanki yasekuhlaleni okanye kwimanyano yesikweletu kunokuba ungayifumana kunye nomthengisi ngemali. Ukongezelela, ukuba awuyikuxhaswa ngemali kumthengisi, unakho ukufumana amandla amaninzi okuthintana nokunciphisa inani lemoto yakho.
Funda kwiingcebiso zethu ezilungileyo malunga nendlela yokuthenga imoto yakho yokuqala.
Qinisekisa ukuba Unokubanceda kangakanani
Into yokuqala omele uyenze kukuqinisekisa ukuba ufuna ukuboleka kangakanani. Kufuneka ubale ukuba uzimisele kangakanani ukuchitha kwimoto entsha esekelwe kwindlela onokukufumana ngayo. Umgaqo omhle wesithupha uchitha kuphela oko unokukuhlawula ngokulula kwiminyaka emithathu.
Ngokwemvelo, ubuninzi obungakwazi ukuchitha kwiimoto ezintsha uza kugqiba uhlobo luni lwemoto oya kuthenga. Yiba neengqiqo malunga noko unokukwazi ukukwenza kwaye ungalulali imali yakho. Kubalulekile ukugcina uhlahlo lwabiwo-mali lwenu xa uthengisa imoto kwaye ungagqithwa yinkxalabo, njengoko kuya kunceda ukuphepha ezinye iimpazamo zabantu xa zithenga imoto .
Ukuthenga iMboleko ngaphambi kokuba uthenge iCar
Xa usuqalile uhlahlo lwabiwo-mali, ungaqala ukukhangela umboleko. Ababolekisi abaninzi abayi kuqinisekisa umyinge de uze usayine amaphepha, kodwa baya kukunika isibonelelo semali-mboleko kunye nezinga langoku.
Kufuneka uqale ngokuqhagamshelana nebhanki yakho. Ukuba unelungelo lokubambisana nombambiswano wesikweletu, kufuneka ukhangele apho. Qiniseka ukuba ubuze malunga neentlawulo ezizenzekelayo kunye namazinga enzala aphantsi . Uninzi lweebhanki luya kunciphisa iintlawulo zakho xa ubeka isilathisi esizenzekelayo. Musa ukuhamba ngokuzenzekelayo ngomthengisi wakho wendawo ukuze uhlawule imali.
Okokuqala, qinisekisa ukuba amazinga angcono atholakala kwenye indawo.
Khangela imoto
Ngoku ukuba ubeke uhlahlo lwabiwo-mali kwaye uxhaswa ngemali, lixesha lokuba uqale ukukhangela imoto. Ungathengisa kubathengisi, kodwa ungesabi ukukhangela kwi-classifieds nakweminye imithombo ye-intanethi. Unokufumana amaqhinga amakhulu ngokusebenzisa le mithombo.
Nangona kunjalo, ukuba uthetha ukuthenga imoto yakho kumthengisi wangasese, kufuneka uhlale unemoto yakho ehlolwe ngumatshini othembela ngaphambi kokuthenga. I-mechanic efanelekileyo inokuxelela ukuba imoto iye yengozi, ukuba iphelele, okanye ukuba kukho naziphi na iingxaki ezinkulu kwizithuthi.
Le nyathelo ibaluleke kakhulu ukuba uthengisa kumthengisi wangasese. Ukuba umthengisi ubonakala engafuni ukukuvumela ukuba uthathe imoto kumatshini, oku kufuneka kube yiflegi ebomvu. Kwakhona, qiniseka ukuba uzifundise ngokwahlukileyo phakathi kokuthenga imoto entsha neyasetyenziswa .
Ukugqiba ukuzalisa iLoan Information
Emva kokuba ukhethe imoto kwaye uxoxisana nexabiso, kuya kufuneka uhlawule imoto yakho. Unokuqhagamshelana nebhanki yakho kunye neenkcukacha zokugqibela. Ngokuqhelekileyo, baya kufuna isihloko okanye inombolo yokuchonga imoto ukulungiselela umboleko. Ukongezelela, kuya kufuneka uwanike isihloko emva kokuba ufumene kumnini wangaphambili wemoto.
Ukuba ufumana inkxaso ngemali kumthengisi, unokwenza zonke iinkcukacha ngexesha lokuthenga. Nangona kunjalo, qiniseka ukuba ufumana inzala enomdla, ungayityiniswanga nayiphi na imali efihliweyo, kwaye ufunde ukushicilelwa okulungileyo.
Bhalisa yakho Imoto kwaye udlulise isihloko
Xa unayo imoto uyakufuna ukufumana isihloko esitsha kunye namathegi (iipleyiti zeelayisti) yakho yemoto. Unokwenza oku kwiofisi yakho ye-DMV yangingqi. Uninzi lwezixeko zine-DMV yamalayisenisi omqhubi kunye ne-DMV eyahlukeneyo yezihloko kunye namathegi.
Enye into omele uyigcine engqondweni: Awuyi kuvunyelwa ukubhalisa imoto yakho uze ufumane kwaye uthenge i- inshurensi yemoto . Uya kufuneka ufumane ubungqina bomshuwalense nawe kwi-DMV.
Iingcebiso:
Ungazithengi ngokuzenzekelayo imoto entsha. Imoto iyimpahla ehlaziyo, oko kuthetha ukuba iyancipha kwixabiso ngelixesha. Inani elikhulu lokunciphisa iyenzeka kwiminyaka emibini okanye emithathu yokuqala yobomi bemoto. Unokugcina imali eninzi ngokuthenga imoto emibini okanye emithathu ubudala.
Masithi uthengisa imoto yakho yesibini. Unokwenza imali ethe xaxa ngokuthengisa imoto yakho endaweni yokuthengisa kuyo. Ukuthengisa imoto ngokuthe ngqo kuya kwenza ukuba ube nemali engaphezulu kunokuba ungayithengisa kuphela kumthengisi.
Musa ukuhlaselwa emotweni yakho. Oku kwenzeka xa uqaqa ibhanki yakho yangaphambili kwi-intanethi yakho kwimali-mboleko yemoto entsha . Oku kubi kuba ukuba uzama ukuthengisa imoto yakho, awukwazi ukuhlawula imali mboleko ngokuthengiswa kwemoto. Ukongezelela, ukuba imoto yakho yayiphelelwe okanye ibiwe, isheke kwi-inshurensi ayiyi kuhlawula inani lemboleko.
Nangona kungekho njalo, kulunge ngakumbi ukugcina kunye nokuhlawula imoto ngemali. Kuya kukhulula umvuzo wakho kuba awuyi kuphinda uhlawule ngenyanga. Ukongezelela, uya kukwazi ukugcina imali kumdla.
Andiqinisekanga ukuba ufuna ngokwenene imoto okanye uzama ukugcina imali enye? Uyakwazi ukufumana ngokujoyina isabelo semoto unyaka okanye ezimbini ukugcina imali eyaneleyo yokuthenga yakho.
Ukuhlaziywa nguRachel Morgan Cautero.