Uza Kulahleka Kangakanani Xa Uthenga I-Car entsha?
Nangona kunjalo, kubalulekile ukuqaphela ukuba imoto iyimpahla ehlaziyo . Abantu abaninzi bacinga iimoto ekutyalomali ngenxa yentengo enkulu yokuthenga, kodwa utyalo-mali lokwenene kufuneka kukulethe izinga lokubuyisela imali oyisebenzisayo, kwaye imoto ayiyi kuyenza. Ukuthetha ngokuqhelekileyo, imoto iya kulahleka nayiphi na i-$ 1600.00 ukuya kwi-$ 2500.00 idola ngeminyaka yokuqala yobunini. Uninzi lweemoto ziya kuhlawulela ukusuka kwi-$ 6500.00 ukuya kwi-10,000,000.00 kwiminyaka emihlanu yokuqala yobomi bemoto. Ukuba ucinga ngokukwakha umthamo wakho okanye ukunciphisa ityala lakho, akunangqiqo ukuchitha imali eninzi kwixabiso eliphantsi.
Ndingayihlawula phi inzala kwiCar esetyenziswayo?
Ukuba uqaphela ukuba imoto iya kuhlahla ixabiso ngelixesha, umbuzo olandelayo kukujonga ukuba unomdla onjani oza kuhlawuliswa ngayo ngobomi bemboleko yakho ukuze ubone ukuba uza kuphuma phambili ngokuthenga imoto esetyenziswayo xabiso eliphantsi.
Ngexabiso lentengo ye-$ 12,000.00 kunye nenani lentengo yesithandathu kwipesenti uza kugqiba ukuhlawula umdla malunga ne-$ 1160.00 ngaphezu kwemali yemboleko yeminyaka emithathu. Uyakwazi ukufumana umlinganiselo wenzalo engcono ngokuthenga ngemboleko .
Kwakhona kubalulekile ukuqaphela ukuba ixabiso lemoto lihlawule kakhulu ngokukhawuleza kwiminyaka emithathu yokuqala yobomi beemoto kwaye iqala ukuthoba phantsi ngexesha elineminyaka emihlanu ubudala.
Ngoko nangona imoto iya kuqhubeka iyancipha kwixabiso liya kwenza njalo ngezinga eliphantsi kakhulu. Ukuba ufuna ixabiso elifanelekileyo, ufanele uqikelele imoto esetyenziswayo malunga neminyaka emihlanu ubudala. Qiniseka ukuba wenze uphando lwakho ukuqinisekisa ukuba uthengisa imoto ngxelo yengxelo yomthengi kwaye inembali entle eneemfuno ezimbalwa ezilungiswayo.
Ukujonga kumanani amanani athengwa ngeminyaka emithathu ubudala okanye imoto eneminyaka emihlanu ubudala iya kukugcina imali ngokuthelekiswa kwemali ehlawulwayo (i-$ 1160.00 yemali-mboleko yeminyaka emithathu) kwixabiso eliqhelekileyo lokunciphisa umnyaka wokuqala ($ 1600.00- $ 2500.00 ), engathathi ingqalelo kwiindleko ezongezelelweyo zokunciphisa kwiminyaka emibini okanye emithathu ezayo. Ukuba ukhangele ukhetho apho uza kulahleka khona imali ephantsi kakhulu, ngoko isigqibo sakho sifanele sibe lula ukwenza.
Ngaba kulungile ukuthenga i-Car Car esetyenzisiweyo kunye neNgxowa-mali okanye iNqwelo entsha kunye neMali-mboleko engenakunomdla?
Nangona ukuthenga imoto entsha kunye nomboleko ongenalo umdla kungabonakala ngathi yinto efanelekileyo ebusweni, uya kulahlekelwa yimali ngaphezu kokuba uthenge imoto esetyenziswayo ngemboleko enomdla. Ukulahleka kuya kuba ngakumbi xa uqhubela imali yakho yemali yemali emdala . Ukuba ungathenga imoto yakho ngemali uza kugqiba ukulahlekelwa yimali eninzi xa kuthelekiswa nokuthenga imoto entsha.
Ukongezelela, ezininzi iimoto ezisetyenziswayo ziza kunye neziqinisekiso kwaye zithembekile.
Kungakuzama ukuthenga imoto entsha, ngakumbi ukuba iyimoto yakho yokuqala okanye ukuba unokulungiswa kwemoto yakho endala. Khawukhumbule ngokuhamba kwexesha, kusengabizi kakhulu ukuthenga imoto esetyenziswayo kunokuba imoto entsha, nangona iindleko zokulungiswa kwemoto. Unokufuna ukumisa isikhwama sokuhlamba ukulungiselela ukulungiswa kwemoto. Unokuqala ukugcina ukuze ukwazi ukuthenga imoto yakho elandelayo ngemali kunokuba ukhathazeke ngokufumana umboleko.