Indlela yokuThengisa imoto yam xa ndikhokelela imali kwiYo

Unokufuna ukuthengisa imoto yakho, kodwa qaphela ukuba kufuneka uhlawule umboleko ngaphambi kokuba unako. Oku kubizwa ngokuba yi-downside down in loan. Oku kufuthi kwenzeka xa uthengela imoto entsha, kuba iyanciphisa amawaka eedola ngokukhawuleza xa uyiqhubela kwinqanaba. Kungenzeka kwakhona xa uthengisa imoto kunye nemali mboleko onayo kuyo, ukuthenga imoto entsha. Umthengisi uya kuqulunqa imali mboleko emdala kwixabiso elitsha lomboleko.

Ukuba ufumene ukuba awukwazi ukuhlawula ukuhlawula imoto yakho yangoku , oku kungongeza ukwanda kwengcinezelo kwimeko. Unokuphuma kule meko ngaphandle kokutshabalalisa i-credit yakho. Nazi izicwangciso ezinokukunceda ukuba uphume kwimali-mboleko yemoto.

Thengisa Imoto

Ukuthengisa imoto ngokwakho kuyona ndlela ikhethekileyo, kuba inokukunceda ukuphule umjikelo wokuba uhlawule kakhulu kwimoto yakho. Yithatha umsebenzi omningi, kodwa ingakwazi ukuzigcina imali eninzi kwimali. Nantsi oku kuya kufuneka uyenze ukuthengisa imoto ngokwakho.

1. Qinisekisa ukuba Unokufumana phi i-CarFirst yakho, kufuneka uqaphele ukuba ungayithengisa imoto yakho. Indawo enhle yokujonga ngayo i-Kelly Blue Book. Kufuneka ukhangele inani lemthengisi wabucala, kuba le yindlela efanelekileyo yokufumana eyona nto imoto yakho. Njengoko ujonga phezu kweendlela, qiniseka kwiimeko kunye nexabiso lemoto yakho. Oku kuya kunika indlela efanelekileyo yokujonga ukuba ungakanani uluhlu lwemoto yakho. Unokugqiba ukuluhlula ambalwa ambalwa ngaphezu kwexabiso lakho lokucela ukuze uhlaselwe phantsi.

1. Emva kokuba uzimisele ukuthengisa intengo yakho, kufuneka uqikelele ukuba ungakanani na umboleki. Susa ixabiso lakho lokuthengisa kwimali yakho mboleko. Le yimali oyakuyidinga ukuza nayo ukuze uthengise imoto. Kufanele uqhagamshelane nebhanki yakho kwaye uchaze ukuba uceba ukuthengisa imoto yakho. Kufuneka ufumane ukuba ungayifumana njani isihloko xa uthengisa. Ngokuqhelekileyo iibhanki zinamaxwebhu kwindawo ephakathi, kwaye kungathatha iintsuku ezimbalwa ukufumana isihloko. Ngoko unokuba ufuna ukubona ukuba banokwenza into ukukhawulezisa le nkqubo.

1. Emva koko, kuya kufuneka ufikeleleke umahluko phakathi kwemali mboleko kunye nesixa olilindele ukuthengisa imoto yakho. Unokukhetha ukudibanisa kuyo nayiphi na imali oyigciniweyo, ngaphandle koko, kuya kufuneka ufumane imali mboleko. Unokuthetha kunye nemibutho yamatyala okanye iibhanki kwindawo ukuze ubone ukuba ufanelekile yini ukuba uboleke imali engaphephile . Nangona kubonakala ngathi uboleka imali ukuphuma kwetyala, ngokwenene unciphisa inani olihlawulwayo. Uya kuba nako ukuhlawula le mboleko encinci ngokukhawuleza. Kumele ibe yinto ephambili, kuba imali ebolekelwe ngokubambisa i-interest rates.
2. Emva kokuba uzimisele ukuba uza kuhlawula njani umahluko omele ubeke imoto yakho kwimarike. I-Craigslist yindlela enhle yokwenza oku. Ungayifaka kwiindawo zakho zokuhlaziya okanye uthumela kwi-intanethi kwezinye iisayithi. Unokumangaliswa kwinani leenkonzo ezifumanayo kwimiba yeeyure. Ukuba awufumani naliphi na iimpendulo onokugqiba ukuzithengisa imoto kakhulu, kwaye kufuneka uqikelele ukulungiswa kwesibonelelo sakho.

Qalisa iNgxowa-mali yakho yeMali

Enye inketho kukugqithisa imali yakho yemali mboleko endala kwimali-mboleko yemoto entsha kwaye uthengise imoto yakho yangoku. Akukho okukhethwa kukho, kuba kuya kwenza imeko yakho ibe yimbi ngakumbi kunokuba sele ikhona.

Ukuba unomdla kulolu khetho, kuya kufuneka ufune ukuthetha nomthengisi wakho malunga nokuxhaswa ngemali nabo. Uninzi lweebhanki aluyi kuhlawulwa ngemali mboleko yemoto kuwe ukuba baya kukuboleka imali engaphezulu kwemoto entsha.

Ukuhlaziya imali yakho yeMali yeMali

Enye inketho kukuhlaziya imboleko yakho yemoto ukuze ube nenani eliphantsi lomdla. Ukuba ufuna ukuhlawula xa uhamba ngokukhawuleza, unokufumana ixesha elifutshane kumbolekiso, okanye unokwandisa imali oyihlawula yona ngokwakho ukuhlawula imali ngokukhawuleza. Oku kunokuba lukhetho olufanelekileyo ukuba inkampani okanye ibhanki osebenza ngayo inemiba efana nokulahlekelwa iintlawulo. Ukuba ulahlekelwe iintlawulo, awufaneleki ukufumana imboleko yemoto.

Iingcebiso:

1. Xa ufumene umthengi, uya kufuneka uhambe ebhanki ngemali. Kufanele ube nemali yakho mboleko, kwakunye nemali evela kumthengi (yamkela i- checksheet checks , i- oda yemali okanye imali kuphela). Baza kuzalisa iphepha ukuze isihloko sithunyelwe kumnini omtsha.

1. Ukuba ufuna ukuthenga imoto ukubeka enye indawo oya kuyo, kufuneka ufumane imoto endala ephakathi kweyodwa okanye ezimbini zeedola. Ndiyathemba, kuya kufuneka uqhube umqhubi wonyaka okanye ezimbini njengoko usebenza ukuphuma kwetyala. Unokufumana iimoto ezinokwethenjelwa kula maxabiso. Oku kuyindlela enhle, kuba ungeke ufanelekele imboleko yemoto ukuba i-credit yakho yonakaliswe.
2. Yenza injongo yokuhlawula imali ngemoto yakho elandelayo. Le ngenye yezona zinto zibaluleke kakhulu onokuzenza ukuze uncede uqale ukwakha ubutyebi. Kubalulekile ukuyeka ukufumana iintlawulo zenyanga zonke omele uzenze kubantu. Thatha ixesha lokuphanda ukuze ungenzi iimpazamo xa uthenge imoto yakho elandelayo .
3. Qinisekisa ukuba ubeka le mboleko kwindawo echanekileyo kwisicwangciso sakho sokuhlawula ityala . Uya kufuna ukusebenzela ukuphuma kwetyala ngokukhawuleza, ukwenzela ukuba uqale ukugcina imali ngeemoto ezihamba phambili.