Ngaba ukuhlaziya imoto kufana nokuhlaziya indlu?
Xa abaninzi abantu becinga ngokucoca kwakhona bacinga ukulungiswa kwemali yokuthenga indlu. Ukuxhaswa kwemali kwindlu yokubolekwa kwezindlu kuhlawulelwa ngemirhumo. Ukuhlaziywa kwekhaya, iintlawulo zeetayitile kunye nezinye iindleko zokuvala zingaba lula uhlawulele amawaka eedola xa kuziwa ekufumaneni izinga eliphantsi.
Ngenhlanhla, imoto ayidingi i-appraisals yokuhlaziya. Abathengi abavumi ukufumana imali enkulu kunye neendleko zokuvala kuphela zivela ekutshintsheni isihloko.
Iindleko zokuhlaziya imoto
- Imali yeeLender: malunga ne-$ 10
- Imali yeSihloko: Ngokuqhelekileyo Phantsi kwe-$ 75
Izandi ezilungileyo kakuhle? Ewe, nethemba, ukuba ukhangele ukuhlaziya ukugcina kwakho imali kuya kuba ngaphezu kwama-85. Into enye ukuphinda uqwalasele nangona kunjalo yimigqaliselo yemboleko yakho yangoku. Into yokugqibela oyifunayo ukuyihlawula umboleko onomyalelo onqwenela ukuba ukhokhe yonke inzala. Kwimeko apho, akukho ndawo yokuhlaziya.
Qinisekisa ukuba akukho zihlwayo zokuhlawula umboleko wakho wamanje ngaphambi kokuba ulandele ngokuhlaziya.
Ngubani omele ahlaziye imali yakhe yemali mboleko?
Ingaba i-credit score score has improved since you have bought your vehicle? Ngaba unayo cosigner ozimisele ukuba ungenayo ngaphambili? Ngokuqinisekileyo umlinganiselo wekhredithi olungcono okanye umququzeleli omhle yilokho okubangela ukufumana isantya semali esezantsi.
Ixesha elifanelekileyo lokucocwa ngumnyaka okanye amabini kwiimboleko zeminyaka emine okanye emihlanu ngemali ephuculweyo yamanqaku ngesandla. Khangela imithombo ebolekileyo yemali yemboleko yemoto ukuze ubone apho unokufumana umgangatho ophezulu. Ukugcina imali yakho mboleko kwixesha elifanayo okanye elifutshane kuya kukunceda kakhulu kunye nokugcinwa kwemali mboleko yakho. Ukwandisa ixesha lakho lokuboleka imali kulungile ukunciphisa inkokhelo yakho, kodwa awuyi kusindisa ngokubanzi kwiindleko zemboleko yakho. Kuxhomekeke kwiinjongo zakho zemali. Ukuba uzama ukugcina imali kwiindleko ezipheleleyo zevesi lakho lemali-mboleko ekwazi ukunciphisa intlawulo yakho ukwenzela ukuba ugcine imoto yakho, iya kuba yinto yokuthatha isigqibo malunga naluphi uhlobo lokulungiswa kwemoto ofuna ukukhetha.
Nangona uphuculo oluncinci kumanqaku akho okuthenga ngetyala kungakusindisa imali. Hlola amanqaku akho okwekhredithi ubuncinane kanye ngonyaka. Ukuba umlinganiselo wakho uphucule amaphuzu angaphezulu kwama-50, kulungele umzamo wokujonga ukuhlaziywa. Mhlawumbi unokutshitshisa igolide yegolide yokugcina imali kwaye ufumane intlawulo ephantsi kunye nexesha elifutshane lemboleko. Kunokwenzeka ukuba amanqaku ekrejethi atshintshe ngokukhawuleza. Ukwazi amanqaku akho kunye nokuthatha ixesha lokujonga kwiizinga ezifumanekayo kunokukugcina amawaka ngamanye amaxesha kunye namawaka eedola. Iindleko zokuhlengahlengiswa akufanele zibe nefuthe elikhulu kulondolozo lwakho jikelele.