Yintoni yokuqashisa imoto, ngokwenene?
Ukuqeshisa imoto kufana nokuqeshisa indlu: usayine isivumelwano kwaye uyavuma ukuphatha isithuthi njengexesha lakho elide. Ngokungafaniyo xa uthengisa imoto, ukuqeshiswa kukuxanduva lwexesha elifutshane. Ewe, kuya kufuneka ugcine isithuthi sakho kwaye ugweme ukubangela ukuba unxibe kwaye unqabise. Kodwa ekupheleni kosuku, isithuthi asikho sakho, kuba ngcono nakakhulu. Iintlawulo zakho aziyi kuhambelana nokwakha ubulungisa kwisithuthi, kodwa nawe awuyi kuba noxanduva lwexesha elizayo kwixesha elizayo okanye nayiphi na imfuno yokugcina esondayo ephakamileyo ngelixa likukho (ngaphandle kokuba ubangele umonakalo, kunjalo). Ubunzima bomntu, ukuqeshisa imoto kuyandila njengengcamango ecacileyo: uhamba ukuhamba ngeenxa yemoto yomntu osetshenziselwa ukuyibuyisela kuyo kwaye ungayibuyisela kuyo ngaphandle kweemichilo eziqhotyoshelwe xa uqeshiso lwakho lukhulile. Kodwa khumbula, njengawo nayiphi na into efanelekileyo, uya kuhlawula ilungelo lokwenza njalo-kwaye uza kuhlawula nangakumbi ukuba unayo amanqaku amanqaku amakhulu .
Yintoni eyenza iCredit Score Score?
Amanqaku okuthenga ngetyala angabalwa ukusuka ku-300-850, kwaye nantoni na ngaphezu kwe-740 ngokuqhelekileyo ithathwa njengelona "lihle kakhulu" amanqaku. Kodwa oko kuthetha ukuthini ngokusebenza? Ukuba unemboleko ekhethekileyo, ngamanqaku angama-800+, oko kuthetha ukuba unobumba obuncipheko bomntu ebhankini okanye kwiziko lezemali lingakhokhela imali.
Mhlawumbi unomlando omdala wokusebenzisa iitaliti ngokufanelekileyo: oko kuthetha ukugcina ibhalansi ephantsi kwiakhadi zekredithi kwaye uhlala uhlawula iintlawulo ngexesha. Kodwa kuthekani ukuba usebenzisa ityala ngokufanelekileyo kodwa ungayisebenzisi ixesha elide? Okanye kuthekani ukuba ngokuqhelekileyo ugcina ibhalansi ephantsi kwaye uhlawule ngexesha, kodwa ngezinye izikhathi ulahlekelwa ibhola?
Ukuba unjengabantu abaninzi, umlinganiselo wakho wekhredithi mhlawumbi awukho kuma-800s (kuphela ama-20 ekhulwini kuwo wonke amaMerika angabanga amanqaku apheleleyo!). Kodwa musa ukuphelelwa yithemba: ukugqibelela akuyiyo imfuneko yokuqeshisa isithuthi.
I-Leasee efanelekileyo
Ukuba ungumntu otshatileyo kunye nosapho, hlala kwindawo yangasemdeni, ube nerekhodi enkulu yokuqhubela phambili kunye nomlinganiselo wekhredithi ngaphezulu kwe-740, kwaye ufuna ukuqeshisa imoto ekhuselekileyo neyithembekileyo ngaphandle kwazo zonke iintsimbi kunye neengcingo. akukho nkathazo yokufumana imigangatho yokuqeshisa ngokufanelekileyo kumthengisi. Kodwa kufuneka uzame ukuxoxisana-ingakumbi kuba ungohlobo lomthengi abaza kulugcina.
I-Prime "Leasees
Ukuba amanqaku akho angaphantsi kwe-740 kodwa ngaphaya kwe-680, ungaphelelwa lithemba-awukwazi ukufumana imigqaliselo yokuqeshisa ukhilimu wesityalo, kodwa usabonwa nje ngokuba ngumboleki "oyinhloko", oku kuthetha ukuba awubonakali nje umngcipheko, kwaye kuya kufuneka ukuba isicelo sakho sokuqeshisa sivunywe.
"Kufuphi neNdunankulu" yeeLaeses
Yiloo nto ithetha ngathi: ukuba ungumntu oyimali-mboleko "elisondeleyo", oko kuthetha ukuba phantse ukubheja ngokukhuselekileyo kwibhanki-kodwa kungekhona. Ukuba amanqaku akho aphakathi ko-620 no-680, mhlawumbi uwela kulolu hlobo. Nokuba uchithe iinyanga ezimbalwa ukuhlawula izilinganiso kumakhadi wakho ekhredithi okanye ulungele ukuphakama kwamazinga aqeshisayo. Uza kuvunywa ukuba uvunyiwe, kodwa ngenxa yokuba uthathwa "umngcipheko," uya kuhlawula ixabiso.
I-"Subprime" Leasees
Masithembeke: ukuba umlinganiselo wakho wekhredithi ungaphantsi kwe-620, mhlawumbi awukho ishishini lokuqeshisa imoto. Kodwa ukuba unquma ukwenza njalo, kwaye ukuba ufumana i-lender ekulungele ukukuqeshisa isithuthi, uya kuhlawulisa ngaphezu kweyure okanye mhlawumbi "umthengi osondelene".
Ayikho into enokuthi yeyiphi inqaku lakho, uxoxisane!
Nangona ucinga ukuba ufumene i-intsebenziswano epheleleyo, zama ukuqhuba i-bargain.
Ekupheleni kosuku, ungumnikelo owodwa wokuhlawula elinye iqela inani elibhaliweyo lentlawulo yenyanga ngenani elimiselweyo lexesha, oku kuthetha ukuba nguwe wonke amandla. Ukuba imiqathango abayiphakamisayo yokwenza ukuba kube lula ukuba uthenge imoto esetyenziswayo ngokucacileyo, khankanya njalo: banokuba bazimisele ukutshintsha i-tune yabo.
Ekupheleni kosuku, qiniseka ukuba unolwazi kwaye wenze isigqibo esona sikhulu kuwe nakwikusasa lakho lemali. Ukuba awufumananga nayiphi na imigqaliselo yokuqeshisa eyamkelekileyo kuwe, kungcono ukuba uthathe ibhasi ngelixa usebenza ekuphuculeni amanqaku akho ekhredithi.