Nangona kunjalo, abaninzi abantu, i-bag mix. Bonwabela ezinye iinjongo zenkqubo ngelixa ezinye iindawo, kungekhona. Enye inxalenye engabonwa nandiphayo ihlolisiswa ngemboleko yemoto. Oku kuyinyani ngokukhethekileyo kulabo bantu abanekhredithi embi .
Oko Uya Kufuna Ukufumana Imali yeMali
Ukuba nekhredithi engalunganga okanye akukho khredithi ayithethi ukuba umbolekisi uya kukunika mboleko ngaphandle kobungqina bokuba ulungile ukuyibuyisela. Kuthetha nje ukuba bazimisele ukuthatha ithuba kuwe ngokusekelwe kwimiba ngaphandle kwezinye izikolo zakho zemali. Le ngcaciso iya kuba ngokuqinisekileyo ibandakanya ubungqina bentsebenzo eqinileyo. Yilungiselele ukubonakalisa i-stubs yakho yokuhlawula i-lender yakho evela kumsebenzi wakho ekubuyiseleni. Ukuba sele uqeshiwe emsebenzini wakho wamanje, bhetele. Ubuninzi kangakanani oya kuzuza luya kubangela. Kwakhona, ngokubhetele ngakumbi, kodwa kubalo kwinani elincinci lokufumana ubuncinane ubuncinane be-$ 1,000 ngenyanga.
Kwakhona kuya kufuneka ukuba uhlawule intlawulo .
Ubukhulu bayo buyahluka ngohlobo lwezinto ezibandakanya umboleki-mboleko, imoto ethile oyithengayo, kunye neemeko zengqesho. Inkokhelo enkulu kakhulu ihlala ilungile kuwe, nangona kunjalo. Umboleki-mboleko unakho ukuvuma ukubolekisa imali mboleko encinci kwintsebenzo enokulingana ngaphezulu.
Ukongezelela, ukuhlawula okukhudlwana kubonisa ubunzulu bakho malunga nenkqubo yemboleko.
Ezinye iindlela zokubonakalisa ukuthembeka kwakho
Naluphina kunye nobungqina bokuba ungumboleki othembekileyo kuya kunceda isizathu sakho. Ukuba uthe wathatha imali mboleko yangaphambili kwezinye izinto (ifenitshala, ezinye izithuthi, njl.) Kwaye uzihlawule ngokukhawuleza, uqokelele amaphepha afakazelayo aze awazise. Kwakhona, hlawule kunye neendleko zakho ezisebenzayo (ezisegama lakho) ukubonisa ukuba uhlale uzihlawula ngexesha. Kwaye ukuba kwenzeka ukuba ube neyiphi enye impahla yexabiso, buzisa ubungqina bumnini nawe. Basenokuthi bangathatyathwa njengobuncwane okanye ubuncinci bacinge ubungqina bokuthi unokuthenjwa ukuba ubuyisele imali mboleko yakho.
Yizisa i Cosigner
Ukuba ne- cosigner akuyona inketho kubaninzi. Nangona kunjalo, ukuba unokufumana umntu ukuba angene ngemvume, unokufumana ithuba elingcono lokufumana mboleko yakho. Khumbula, nokuba kunjalo, ukuba ungaphumeleli ukwenza iintlawulo zakho, umthwalo uya kuwela kumcwangcisi wakho. Ngoko qiniseka ukuba uyawuhlonipha inkqubo yokuboleka imali kwaye wenze iintlawulo zakho ngexesha. Ukuba akunjalo, ubeka ingozi ekulahlekeni kuphela imoto yakho kodwa ubuhlobo obuthile obubalulekileyo.
Iingcebiso
Ungesabi ukuthenga. Qala ngebhanki yakho ukuba unayo i-akhawunti yokujonga okanye yokulondoloza.
Kwakhona, khangela nge-insurer yakho. Ngokuphindaphindiweyo bobabini kwishishini lokwenza imali-mboleko yemoto kwaye banokukulungele ukunika imiqathango engcono kunokuba umthengisi wemoto uza. Ungesabi ukuxoxisana. Masibhekane nalo, awuyiboleki ophelileyo kwaye kuya kufuneka ukuba ukhokhe izinga lentengo ephakamileyo. Gcina ukhumbule ukuba ababolekisi benza iimali-mboleko zokuphila kwaye bafuna ishishini lakho. Akumangalisi ukuba ucele ixabiso eliphantsi okanye amagama angcono.
Akungabazeki ukuba uthengisa ngemboleko yemoto ngokungafanelekanga okanye akukho khredithi ingaba nzima kwaye ihlazise. Ukuba kunceda, khumbula ukuba awunabo. Kuqikelelwa ukuba i-25% okanye ngaphezulu yabantu abafuna iimali-mboleko zemizi-mboleko ye-auto bahlala bengenasiphelo okanye kungekho nkonzo. Qinisekisa ukuba wenze uphando kwaye ulungele ngokusemandleni, uze uphume apho uze ufumane imboleko yemoto yakho.