Kuqhelekile ukuba abantu bathengise emotweni yabo endala xa bethenga imoto entsha, bese ubeka umboleko omdala kuloo mtsha.
Kodwa kufuneka uqikelele ngononophelo lwakho phambi kokuthatha le ndlela. Ngezantsi, sichaza imiba emininzi ekufuneka uyiqwalasele ngaphambi kokuba uqalise umboleko wakho wemali endala ibe yinto entsha.
Iingozi ze-Rolling Your Old Loan kwiNew
Umngcipheko omkhulu wokukhupha imali mboleko yakho endala kukuthi ungagqiba ukufumana ngaphezulu kwemali mboleko kunokuba imoto yakho ifanelekile, ebizwa ngokuba yinto engqongqo phantsi kwemboleko . Oku kungenza ukuthengisa imoto yakho kunzima nakakhulu kwixesha elizayo
Ukuba uthengela imoto entsha, uhlaselwa ngokuzenzekelayo phantsi kwemali mboleko ekubeni imoto iyancipha ngokukhawuleza xa uyiqhubela kwinqanaba. Xa ungeze kwimboleko yakho, ke udibanisa ingxaki. Cinga ukuthenga imoto esetyenziswayo, okanye uhlawule ngemali.
Khumbula ukuba iNjongo yoMthengisi ukuThengisa
Kwakhona kubalulekile ukukhumbula ukuba umsebenzi womthengisi wemoto ukuthetha nawe ekuthengeni imoto kwinqanaba. Xa ukhumbule oko, kuya kukunceda uqaphele ukuba yonke into abayinike yona ingasayi kuba yinkqubo ocinga ukuba uyifumana.
Ngaphambi kokuba uqale ukuyothenga imoto kufuneka unqume ukuba ufuna entsha okanye isetyenzisiweyo .
Zama ukuthengisa imoto yakho kuqala
Unako ukufumana imali engakumbi kwimoto yakho xa wenza ukuthengiswa kwangasese. Oku akuyona inkqubo enzima, kwaye ungasebenzisa imali ukuhlawula umboleko wakho wamanje.
Ukuba usalutyala imali kwimali-mboleko yemoto xa uthengisa, uya kufuneka udibanise nebhanki yakho kwaye usebenzise indlela yokudlulisela imali mboleko kumntu ngamnye okanye ufike ngemali ukuhlawula umahluko.
Emva koko xa uthengisa imoto , uya kudlulisela isihloko kuye kumnini omtsha.
Ezinye iindlela zokuThengisa kwiNqwelo yakho
Okukhethwa kukho xa ufuna ukuthenga imoto kukuhlawula ngokupheleleyo . Nangona kunjalo, loo nto ayinakukwazi ukuyenza rhoqo kumntu wonke.
Kodwa nangona kufuneka uhlawule imoto, unokuqiniseka ukuba wenze ngendlela efanelekileyo. Umzekelo, xa ugqiba ukuthenga imoto entsha, kufuneka uqiniseke ukuba unako ukuhlawula iintlawulo.
Enye yeemeko eziqhelekileyo abantu abangena kuyo xa kuthengwa imoto entsha kukuba batyula kakhulu kwaye bathenga imoto abanako ukuyifumana. Ngenxa yoko, iintlawulo zabo zenyanga zemali zikhulu kwaye zibangela ukuba balwe nezimali.
Ngaphambi kokuba uhambe nokuthengwa kweemoto, kufuneka uqaphele ukuba unako ukuhlawula inyanga ngayiphi na, ukugcina oko umthwalo wakho wesikweletu (kuquka irenti yakho kunye nentlawulo yendlu) ingaphantsi kwe-30% yengeniso yakho yenyanga. Ngokufanelekileyo, kufuneka ube nokukwazi ukuhlawula imoto yakho kwiminyaka emithathu.
Zama Ukufumana Ukuxhaswa Kwezimali NgeNkcazo Yentengo Yengingqi okanye iBhanki
Ukongezelela, unokuba ngcono xa ufumana imali yakho yemoto, kunokusebenzisa imali yokuthengisa. Uyakwazi ukufumana inzala engcono, ngakumbi ukuba uthengisa imoto esetyenziswayo.
Imanyano yematyala kunye neebhanki ezincinci zihlala zinika ixabiso lentlalo engcono kwimali-mboleko yemoto ukuphinda ithengise amakhasimende.
Unokuqhagamshelana nomanyano wekhredithi ukuze ufumane imvume ngaphambi kokuba uqale ukuthenga imoto. Oku kuya kukuxelela ukuba uluhlu luni lwamanani kufuneka abe.
Ukuthetha ngexabiso elihle kakhulu
Ungesabi ukuxoxisana nexabiso kunye nomthengisi wemoto ngaphambi kokuba uthenge imoto. Ixabiso lemoto lithengiswa, kwaye unako ukuxoxisana nomlinganiselo wokuhlawula umrhumo, intlawulo yemali, okanye enye imigaqo.
Ezinye iinkampani zeemoto ziza kuninika inzala engaphantsi xa uthengela imoto entsha, kwaye unokucinga ukuba oku kuyona ndlela ikhethekileyo kuba uya kulondoloza inzala kwimali yemboleko . Nangona kunjalo, imoto ithatha ukuhla kwexabiso elikhulu kwixabiso lokuqala kwiminyaka emithathu yobomi bayo. Ungagqiba ukulahlekelwa ngokukhulu ngokubaluleka kokubuyisela imali njengoko uza kugcina inzala xa uthenge imoto esetyenziswayo, ngoko qi ni sekise ukwenza izibalo phambi kokuba ungene ngemvume kumgca otywebileyo.
Gwema ukuthengwa kwempembelelo
Enye into ebalulekileyo ekufuneka uyiqwalasele xa uthengisa imoto okanye ucinga ngokugqithisa imali yakho yemali yemali emdala ukuba ungabanjwa ngexesha lokuthenga imoto.
Ngaphambi kokuya kumthengisi, iimoto zophando ekhaya ngaphambili, ziqwalasela izinto ezinjengexabiso, ukuthembeka, kwaye ingaba umzekelo omtsha okanye osetyenziswayo uhambelana nokuphila kwakho. Yaye uthathe imini okanye ezimbini emva kokuhamba ngeenqwelo zithuthi ukuze wenze isigqibo sakho sokugqibela.
Ekugqibeleni, qiniseka ukuba unako ukuhlawula intlawulo oyenzayo. Awufuni ukugqiba ukuthengwa ixesha elide okanye unamathele ngemoto yemali ongenakukwazi ukuthenga .
Kwaye ngokuzayo, zama ukulondoloza imali ukuze uthenge imoto yakho ngqo.
Ukuhlaziywa nguRachel Morgan Cautero.