Njengazo ezininzi izigqibo zemali ebomini, impendulo iyinkimbinkimbi-kodwa silapha ukunceda.
I-Car iyinto ehlaziyiweyo
Ngaphambi kokuba uthathe isigqibo sokuba ingaba uthengise kwisithuthi sakho, kufuneka uqonde ukuba yinto ehlaziyekileyo okuthetha ukuba, ngokungafani nendlu okanye isitokisi, iyancipha kuphela kwixabiso elingasenayo.
Ukuba unomboleko kwisithuthi sakho kwaye imoto yakho iyancipha ngexabiso, unokuzifumanisa kwiimeko apho uhlawulwa ngaphezu kwemali-mboleko yemoto kunokuba imoto ifanelekile nayiphi na indawo. Oku kuya kukubeka kwisikhundla sokuba nokulingana okungafanelekanga, okanye uhlawulwe ngaphezulu kwemali mboleko yakho kunokuba unako ukulingana, okulingana nexabiso le-asethi yakho (kulo mzekelo, imoto yakho).
Ukuba uthengisa kwisithuthi sakho xa unobulungisa obungalunganga, oku kuya kukubeka kwindawo apho ugqirha owawusebenzisa khona ukukhusela imali-mboleko yakho-ayikho ekhoyo. Oku kuya kuthetha ukuba uya kuhlawulwa ixabiso elipheleleyo leleyo mboleko yakho ngokukhawuleza xa uthengisa kwisithuthi sakho esitsha.
Ukuba awukwazi ukuhlawula intsalela yale mboleko, kuya kugqitywa ukunyuswa kwixabiso lemboleko emitsha kwisithuthi sakho esitsha. Oku kuya kukwenza i- loan yakho entsha ixesha elide okanye iintlawulo zakho zinkulu kunokuba zazibe zilindele ukuba uhlawule isithuthi sakho ngaphambi kokuba uthengise.
Ixesha Xa Iyona Imbono Efanelekileyo kwi-Trade-In
Xa unayo iguzzler yegesi. Ukuba unayo isithuthi esidinga amaninzi amaninzi, ungasindisa imali eninzi kwixesha elide ngokuyithengisa kwimoto enokufumana i-gas engcono, ngakumbi xa uqhuba ezininzi njengenxalenye yesicwangciso sakho rhoqo .
Xa umthengisi wekhredithi ngokwenene ungumqondo omuhle. Ukuba ufumana imali engama-3 000 kwi-mboleko yakho kwaye umthengisi wakho unikezela ibhonasi ye-$ 2,000 yokungena ngemvume, inokuba yinto efanelekileyo yokuhamba ngemali kwizorhwebo yakho entsha kunokuba uhlawule i-$ 3,000 eseleyo kwiinyanga eziliqela.
Amaxesha Xa Umele Ulindele Ukungena Kwezoqoqosho
Xa uthenge imoto entsha kutshanje. Ngokukhawuleza ukuba uqhube isithuthi esitsha kwiqashiso, ilahlekelwa ngeepesenti ezili-10 zexabiso layo kunye nama-20 ekhulwini wexabiso layo kunyaka wokuqala! Ukuba uthenge entsha, engasetyenzisiweyo, imoto kunyaka odlulileyo kwaye ucinga ngokuthengisa, musa nje. Nantoni na into enomdla okanye uhambo olumnandi olusandula ukuhlangabezana nalo lunokulinda. Akufanelekile ukuphazamisa ikusasa lakho lemali kwisethi esitsha samasondo.
Xa uhlawuliswe izigwebo. Xa umboleki-mali evumelana nemboleko yemoto, babala ukuba banomdla kwixesha elimisiweyo. Xa uhlawula umboleko kwangoko, ulahla umboleki wale mali-kwaye ngenxa yoko, uya kuhlawulwa ihlawuliso sokuhlawulwa kwangaphambili kwiimeko ezininzi ukuba uhlawula umboleko kwangaphambili.
Xa ixesha lisekho. Ukuba unayo imoto entsha, unako ukurhweba emva koko okanye ukuyithengisa kwelinye iqela labucala, oko kuya kuthetha ukuba uza kwenza imali engaphezulu kwintengiso
Ukuba Uthatha Isigqibo Sokuthengisa Kwezithuthi Zakho
Qinisekisa ukuba uyaqonda kwaye ubhala ngokubhaliweyo, ngokuqinisekileyo oko uza kuvela kumthengisi xa uthenge imoto yakho entsha . Qinisekisa ukuba ubuze, kwaye uhlawule ingqalelo ekhethekileyo, njani ukulingana okungekho emgangathweni kuya kunyangwa kwi-mboleko yakho entsha.
Kuya kuba lula ukufumana umthengisi oza kuthenga imali yakho, kodwa umbuzo obaluleke ngakumbi uya kuba ngaba ufanelekile oko.