Kuzo zonke iimeko, unokuba uzibuza: ngaba umntu unokuthatha imali yemboleko yemoto?
Umfutshane kunye nobuhlungu
Impendulo emfutshane ongeyithandi: Hayi.
"Kwiimeko ezininzi, iimali-mboleko zemoto ayinakucingeka," u-Edmunds.com Umhleli wezeNtengiso zabathengi abaphezulu uFilime Reed wathi ku-Credit.com. "Xa ubhaliso kunye nesihloko zidluliselwa kumnini omtsha, umboleki-mali ufuna ukukwaziswa. Umboleki uya kuhamba kwaye afune ukuhlolwa kwekhredithi ukuqinisekisa ukuba umnini omtsha unako ukwenza iintlawulo. Oku kukhokelela ekuqalisweni kwemboleko emitsha kwinqanaba lekhredithi lomnini omtsha. "
Ezinye iibhanki ziya kuqinisekisa oku, ngelixa abanye bangakwazi ukusebenzisana nabanikazi bamandulo kunye nabatshintshi ukuba babone okuthile. Kwimeko yokugqibela, umrhumo omtsha weentlawulo zeemoto, ngoko kuthetha, kuya kufuneka ukuba ahambe kuzo zonke iipopu njengokungathi bafumana imali yemboleko yemoto egameni labo ukususela ekuqaleni.
Ukubavumela Ukuyiqhuba, Njalo
Yinto enye ukuvumela umhlobo okanye ilungu lentsapho ukuba lifihla iintlawulo zakho kwiinyanga ezimbalwa xa ufika kunyawo oluchanekileyo - unokukwazi ukukwenza oku ngaphandle kwengxaki enkulu.
Kodwa kuthekani ukuba unomdla wokuba nomnye umntu emva kwesivili sesithuthi sakho?
Ukuthembela kwisithuthi sakho, kunye nazo zonke iindleko kunye nolondolozo oluhambelana nalo, kumntu ongeyena mntu uyimashishini enobungozi obuhle.
Nangona ufanele uthengise isithuthi sakho komnye umntu endaweni yokwenza nje isivumelwano sokubavumela ukuba baqhube imoto baze bahlawule iintlawulo zembolekiso, ukuba unemali-mboleko yemoto, awuyiyo yedwa umnikazi wesithuthi : kufuneka ufumane imvume yomboleki wakho ngaphambi kokuba uthengise imoto yakho.
Uya kuqhubeka, nangona kunjalo, mhlawumbi uvela phambili xa uthengisa isithuthi ngokwakho kunokuvumela ukuhlawulwa kwakho kwexesha elide kunye nokuvumela ukuba imoto yakho ibuyele . Khumbula: ukunyaniseka kwimali-mboleko yakho okanye ukufumana imoto yakho eyayibuyiselwayo ayiyiyo nje ingxaki yakho kunye nomlinganiselo wakho wekhredithi-yintlekele kumntu-mboleko kunye nokuba ngubani onokukugxotha! Amaxesha angama-99 kwikhulu, umboleki-mboleko angathanda ukuxoxa ngezinye iindlela zokwenza intlawulo kunokuba ube ngumntu ongekho emthethweni.
Ngaba Awukwazi Ukulibala nje iBhanki uze uhambe kwiRogue?
Unokwenza nje isivumelwano somnumzana (okanye somnumzana) kunye nokuvumela ukuba baqhube imoto ukuba bayavuma ukuba bahlawule njalo kwaye uya kuqhuba ukuhlawula imali kwi-moto ngemali. Kodwa kwenzekani xa bengayikhokheli?
Ngokwenene, uya kuba yindoda enokuzimela emotweni yakho, kungabi namandla omthetho ukukubuyisela. Ukuba umqhubi usengozini kwaye abafakwe njengomqhubi ogunyazisiweyo kwipolisi yakho, unokuphuma ngaphandle kwithoni yemali ukuba yingozi engozini. Uya kuba noxanduva lwalo nawaphi na amathikithi okupaka angakhokhelwa kunye nama-tolls anokuthi adibanise kwisithuthi sakho.
Indlela yokuTyikitya ngaphezu kweMboleko yakho komnye umntu, indlela efanelekileyo
Ukuba unqwenela ukuqhubela phambili ngesicwangciso sakho sokuba umntu athathe imali mboleko yakho yemoto, kukho amanyathelo athile okumelwe uyithathe:
Funda Ukushicilelwa Kokuhle KweMboleko
Kubalulekile ukuba uhlasele izibakala phambi kokuba uhlale etafileni kumcebisi omkhulu okanye umcebisi-mboleko. Funda isivumelwano sakho semali mboleko. Funda kwakhona. Mhlawumbi qhagamshelana nomcebisi wezomthetho othembekileyo ojolise kumthetho wesivumelwano. Kungaba lula kwiimeko ezininzi ukuthengisa imoto yakho okanye ukuyithengisa kwisithuthi esincinci kwaye ulungele umboleko kwisayizi ehlawulwayo yokuhlawula.
Fumana iNqaku leNkcazo yeMatyala eNtsha
Kubalulekile ukuba uyazi into osebenza ngayo ngaphambi kokuba uqhagamshelane neziko lakho lemali. Amanqaku ekwereti yinto ebaluleke kakhulu ukuba amaziko emali asetyenzise ukubeka umngcipheko wezemali kunye nokubolekwa kwemali-mboleko ngesizathu esihle-esi sixhobo esihle kakhulu esilunayo ukufumana amathuba abo baya kufumana imali ababolekisile ngayo omnye umntu .
Ukuba umqeshi omtsha unokuba netyala elibi, kuya kuba nzima ukuthengisa kwibhanki yakho.
Qhagamshelana neLender yakho
Umntu ogama lakhe okwangoku kwimali-mboleko yemoto kufuneka adibanise nebhanki okanye elinye iziko lemali ngaphambi kokuba nantoni na enye inokwenzeka. Buza malunga nemigaqo-nkqubo yokudluliselwa kwemali mboleko. Le nyathelo apho amaninzi amabhanki aya kukuxelela ngokuchasene nesivumelwano sakho sokwenza njalo. Ukuba kunjalo, buza malunga nokuhlaziya umboleko wesikolo ngegama lomntu onomdla.
Lindela Ukuvunyelwa Kwemali
Ukuba unenhlanhla, ibhanki yakho okanye abanye ababolekisi baya kukuvumela ukuba ufake isicelo sokufumana imboleko . Oku kungathatha naphi na imizuzu embalwa ngelixa ulinde eofisini ukuya kwiiveki ezimbalwa.
Ukuba ukufunyanwa kwemali mboleko kuvunyiwe, ungaqhubeka kunye namanyathelo alandelayo. Ukuba akunjalo, ubuyela kwisikwere esinye.
Tyikitye a maphepha!
Ukuba isivumelwano sakho sokuthengiswa kwemali mboleko sivunyiwe, kuya kufuneka usayine amanqaku amaninzi. Oku kuya kubandakanya ifom zokungena kwi-link kunye nesihloko sezimoto kwiimeko ezininzi. Uya kufuneka kwakhona ukususa isithuthi kwi-auto auto insurance yakho. Unokufuna ukudibanisa ne-DMV ukuncedwa ngesihloko kunye nemigaqo-nkqubo yokudlulisa. Umnini omtsha weemoto uya kufuna ukukhupha i-inshurensi yemoto ngokusekelwe kwiimfuneko zabo zombuso.