Ngaphambi kokuba Ufumane iMali-mboleko ye-Auto

Indlela Yokufumana I-Great Deal

Ukuze uphumelele ngokuzenzekelayo, kufuneka ufumane izinto ezininzi ngokufanelekileyo: khetha imoto efanelekileyo, fumana ixabiso elifanelekileyo, kwaye uhlawule ukuthenga ngendlela enokuthengeka. Ukuba uya kuboleka ukuthenga kwakho, ukhetho olwenzayo ngemali mboleko yakho lubaluleke kakhulu.

Imboleko yemoto iyanceda ukuthenga imoto ebiza imali engaphezulu kunokuba unako ukuyifumana ngemali. Ngaphandle kokuba unayo imali eninzi yokonga, uya kubaleka kwaye uhlawule isithuthi sakho ngeentlawulo zenyanga.

Ukuba uboleka ngokuhlakanipha, unandipha inzuzo ebalulekileyo:

1. Uya kuchitha ngaphantsi (mhlawumbi amawaka eedola ngaphantsi) kwisithuthi sakho
2. Uya kuba nokuguquguquka kokutshintsha izithuthi uze uhlawule ezinye iinjongo kwiminyaka embalwa emfutshane

Qala ukucwangcisa umbolekisi wakho ngaphambi kokuba uqale ukukhangela imoto. Ukufumana amadada akho ngokulandelelana ngaphambi kwexesha kuphucula amathuba okuba ufumane mboleko (kunye nemoto) ehambelana nendlela yokuphila. Ngaphezu koko, xa lixesha lokwenza isivumelwano, uza kuba ulungele ukuqhubeka nokuzithemba.

Isisiseko kwiMali-mboleko enkulu ye-Auto # 1: Lawula i-Credit yakho

Ikhredithi yakho ( inxulumene nengeniso yakho ) inquma ukuba ngaba uya kuvunywa okanye awuyi kuvunywa . Ikhredithi yakho yimbali yakho yokuboleka kwabanye ababolekisi-ngaba ubolekelwe ngaphambili, kwaye ngaba ubuyisela imali leyo mboleko ngexesha? Ngomlinganiselo omhle wesikweletu , uya kufumana inzala engaphantsi, oko kuthetha ukuba uza kuhlawula encinane kwisithuthi sakho (zombini ngokweendleko zenzalo, kunye nentlawulo yenyanga, esekelwe kwinqanaba lakho lemali ).

Hlola ikhredithi yakho: ubuyekeze iingxelo zakho zekredithi ngaphambi kokuba ufake isicelo semali mboleko okanye u tyelele umthengisi. Bonke abathengi base-US banelungelo lokunika ingxelo yekhredithi yamahhala phantsi komthetho we-federal, ngoko sebenzisa amalungelo akho . Qinisekisa ukuba i-credit yakho ibonakala iyilungile njengoko inokwenzeka. Ababolekisi bakho baya kukwenza ngokubanzi isinqumo sabo sokubolekisa ngamanqaku akho esikweletu.

Funda ngxelo ngenyameko kwaye ulungise naziphi na iimpazamo eziza kudonsa amanqaku akho - ziqheleke kakhulu kunokuba ucinga.

Isisiseko kwiMali yeMali ephezulu yeMali yokuThengisa ngeMali eSebenza ngokuBanzi: Yazi ukuba unokuchitha phi

Fumana ingcamango ecacileyo yokuba ungayisebenzisa kangakanani (ukuhlawula iintlawulo kunye nentlawulo yenyanga) ngaphambi kokuba uqale ukujonga iimoto. Ukuba uya kuthandana nesithuthi ngaphambi kokuba wazi ukuba okanye kungengabhajethi yakho, abanye abathengisi banokukwenza ukuba kubonakale ngathi imoto ifikeleleka ngeematriki ezimnandi kunye neemali-mboleko zexesha elide .

Ukuhlawula kwakho ukuhlawula ngentlawulo -phambili -enkulu inkokhelo yakho, inkokhelo yakho encinci (kunye neentlawulo zenyanga nganye). Kubuhlungu ukuba ubhale ikhonkco enkulu phambili, kodwa uya kufumana ukuguquguquka kamva xa ukwenza njalo.

Iintlawulo zakho zenyanga zihlawulelo eziqhelekileyo ozenzile iminyaka ezayo. Gcina ezi nqanaba elincinci ngoba ungazi ukuba izinto ziya kutshintsha. Ingeniso yakho ingawa, okanye unokuhlangabezana neendleko ezingalindelekanga kwiminyaka ezayo. Ukuba usichitha kangangoko unako namhlanje, ubeka ikamva lakho engozini.

Isisiseko kwiMali-mboleko eninzi yeMoto # 3: Jonga i-Big Picture

Qondisisa indlela uboleka ngayo imali , kwaye ulungele ngakumbi ukuba wenze izigqibo ezifanelekileyo malunga nomboleko wakho. Xa abathengi bemoto belahlekelwa ngombono, bavame ukungena kwiimbatha ezimbini eziyingozi:

1. Ukugxininisa kwintlawulo yenyanga (ngokuchasene nexabiso lokuthenga kunye neendleko ezipheleleyo kuquka inzala)
2. Umbono weTunnel ( imfuneko yokuthenga imoto ethile okanye iimpawu ezithile, nokuba ngaba abo abafanelanga iimali zakho)

Kuzama ukugxila kwinkokhelo yenyanga nganye xa unquma ukuba unako ukufikelela phi. Enyanisweni, abanye abathengisi bezithuthi bakhuthaza oku. Ngelishwa, inkokhelo yenyanga yinto elula ukutshintsha: yenza umbolekiso uhlale ixesha elide. Ukubolekisa ngemboleko iminyaka emininzi (umzekelo, ukuhamba ngemali-mboleko yemali eyiminyaka emixhenxe esikhundleni semali-mboleko yeminyaka emine) kwenza iintlawulo eziphantsi - kodwa kubangele neendleko eziphezulu kakhulu zenzalo. Ingakumbi, unokufumana ithuba elingcono lokufumana umda-mboleko kwimali-mboleko yakho (xa unetyala elingaphezulu kwisithuthi kunokuba lifanele).

Ukwenza intlawulo encinci ivale kakuhle namhlanje, kodwa oko kuthetha ukuba uboleka ngaphezulu (oko, kwakhona, kwenza kube lula ukuhlaselwa phantsi).

Qinisekisa ukuba uthengisa imoto onokuyithengisa ngokwenene kwaye ugweme ukuthatha imali-mboleko eya kubuya ikuhlasele.

Iphulo: ngaphandle kokuba uhlawule imali, kungcono ukubeka phantsi ubuncinane i-20% yokuhlawula imali kwaye ufumane imali mboleko iminyaka emihlanu okanye ngaphantsi.

Isisiseko kwiMali-mboleko enkulu yeMali e-Auto #

Oku kuyilula kodwa ngokuqhelekileyo ayikhohliwe. Ingongoma ebalulekileyo apha kukuba akudingeki ukuba ufumane imali mboleko yakho kumthengisi. Hlola kunye ne-credit union , ibhanki, umboleki we-intanethi okanye umthombo we-P2P. Kwiimeko ezininzi, umthengisi wakho wemoto akayi kuba nemali mboleko yemoto engcono kakhulu (kodwa ngamanye amaxesha isipho somthengisi asikwazi ukubetha). Ngokubonisana nomnye umboleki-mali ngaphambi kokuba unyuke kwiqashiso, uya kuxhoba ngolwazi olufumaneka kuwe - kwaye linikeza amandla okusebenzisana.

Isibalulekileyo kwiMali-mboleko eninzi yeMoto # 6: Gweba izigwebo zokuhlawulwa kwangaphambili

Izinto ziguquka ebomini kwaye ukuguquguquka kubalulekile. Imboleko yakho yemoto kufuneka iguquke . Fumana umboleki-mali oza kukuvumela ukuba wenze iintlawulo ezongezelelweyo okanye uhlawule ngokupheleleyo loo mboleko ngaphandle kwezohlwayo. Kubalulekile ukufunda ukushicilelwa okulungileyo - ezinye "izigwebo" azibizwa ngokuthi "izigwebo," kunye nezohlwayo zokuhlawulwa kwangaphambili ziye zahlanjululwa kwamanye amazwe (ukuze abo baboleka imali bafumane ezinye iindlela zokudambisa intlawulo).

Isisiseko kwiMali-mboleko enkulu yeMali-mboleko # 7: Hlola i-Intshurensi

Ngamanye amaxesha ababoleki babuza malunga ne-inshorensi yobomi kunye nokukhubazeka xa uthenge imoto. Abaceli ngobubele - bangathanda ukuthengisa i-inshurensi eyongezelelweyo ngemboleko yakho. I-inshorensi yemali-mboleko inceda ukuhlawula iintlawulo zakho zemali mboleko, kodwa akunqabile into enhle yokufumana i-inshorensi yemboleko kunye nomboleki wakho. Hlaziya imigaqo-nkqubo yobomi bakho kunye nokukhubazeka onakho njengomntu okanye ukuba ufumane umqeshi wakho.

Kwakhona, qokelela ulwazi ngaphambi kokuba uhambe ukuyothenga imoto, njengoko ufuna ukuba ezi nkcukacha zifumaneke. Ngaphezulu, kulungile ukuba wazi ukuba wena kunye nentsapho yakho ukhuselwe njani ukuba kwenzeka okuthile. Ukuba uvakalelwa kukuba ufuna ukukhutshwa, qhathanisa ukunikezelwa kwimihlaba emininzi eyahlukeneyo, kuquka ne-inshenti yomshuwalense ongabambisene nomboleki wakho.

Xa uboleka imali ukuthenga imoto, umbolekisi wakho sele ukhuselekile: banokuphinda bahluthe isithuthi xa beka ukuhlawula iintlawulo - gxininisa ekuzikhuseleni kunye nabathandekayo bakho. Khangela i-Wells yeprogram yokubolekisa ngokuzenzekelayo .