Awudingi ukulinda nayiphi na ixabiso elincinci lexesha ngaphambi kokuba ulungelelanise imboleko yakho yemoto. Enyanisweni, unokuhlaziya ngokukhawuleza emva kokuthenga - nangaphambi kokuba wenze intlawulo yakho yokuqala yenyanga.
Nceda uqiniseke ukuba ngokuqinisekileyo uqukumbela ngokubhekiselele kwintsebenzo engcono kwaye awupheli ukuhlawula ngaphezulu isithuthi sakho.
Ukuhlaziywa, uya kufuneka:
- Imboleko emitsha ngemigangatho engcono okanye intengo ngaphezu kwemali mboleko ekhoyo.
- Ulwazi malunga nemboleko yakho ekhoyo, kubandakanywa nomthengisi wamanje kunye ne-balance balance.
- Ulwazi malunga nesithuthi sakho.
- Ixwebhu lokukwazi ukubuyisela.
Ukuhlaziya kwakhona akusoloko kunengqiqo - nokuba uya kuphelisa ngentlawulo ephantsi. Kodwa kukho iimeko ezininzi xa ukuhlengahlengisa kulungile.
Inzala Eyona Mdla
Ukuba unako ukuboleka ngesantya somyinge esezantsi, kunokuba kunengqiqo ukucoca. Le nqanaba elingaphantsi (ukuthatha zonke ezinye izinto zilinganayo) kuthetha ukuba uza kuhlawula encinane imoto yakho emva kokuba uthathe iindleko zenzalo. Ngenxa yokuba inzala yomyinge iyingxenye yokubala kwakho kwenyanga, ukuhlawulwa kwakho okufunekayo kufuneka kuhla. Ngenxa yoko, uya kuba nokuhamba kwemali engcono kwinyanga nganye.
Ukuba ungayifaka umboleko wakho okhoyo kunye nomboleko olinganayo kwisilinganiso esincinane, kukulungele ukulungiswa ngokukhawuleza. Uninzi lwemali mboleko mboleko mboleko mboleko , oku kuthetha ukuba uhlawule intlawulo yenyanga nganye kunye neendleko zenzalo ezakhiwe kwinkokhelo.
Uya kuhlawula ityala lakho ngexesha, kodwa ininzi yemali inomdla ihlawulelwa ekuqaleni kombolekiso-ke ukuba uhlawule ngokukhawuleza emva kwexesha ukuqala ukuhlawula iindleko.
Itheyibhile yokwenza imali ingakubonisa ukuba uza kulondoloza phi.
Iingxelo eziNgcono
Ukuba i-credit yakho iphuculwe ekubeni ufumana imali mboleko yakho ekhoyo, unethuba lokufumana mboleko engcono. Unako ukufumana isantya esezantsi, ukhiye kwizinga eliphantsi elingaphantsi , okanye ukwazi ukufumana umxhasi-mveliso osuswe kwimali mboleko.
Xa uhlawula ngexesha (okanye izinto ezimbi ziwa phantsi iingxelo zakho zemali emva kweeminyaka ezisixhenxe okanye ngaphezulu), i-credit yakho iyathuthuka. Ezi ntlawulo eziphumeleleyo zinokuphakamisa amanqaku akho ekhredithi kwindawo apho unokhetho oluninzi. Nangona unyaka okanye kunjalo ixesha elaneleyo lokubona uphuculo - ngoko kukufanele ukufumanisa ukuba izikolo zakho ziphuculwe ngokwaneleyo ukukufumana umboleko ongcono.
Iintlawulo Zenyanga zantsi?
Ukuhlaziya kwakhona kunokubangela ukuhlawulwa kweenyanga eziphantsi, kodwa akusoloko kulungile. Ukuba ufumana iintlawulo ezisezantsi ngenxa yesantya somyinge ophantsi, ungagqiba ukugcina imali (ixesha elide xa uhlaziya ekuqaleni kwexesha lakho lemboleko). Ukuba uthe wongeza iminyaka kwimboleko yakho, uya kuhlawula ngaphezulu.
Indlela yokuRhafisa
Ukufumana imali mboleko entsha, kuya kufuneka usebenze kunye nekhredithi entsha. Kwiimeko ezininzi, le nkqubo ayibuhlungu - ababolekisi bakho baya kusebenzisana ukuze baphathe yonke into esemva kwesiqalo, kwaye kufuneka nje uthumele isicelo.
Ukulungiselela:
- Hlanganisa ulwazi malunga nemboleko yakho ekhoyo. Ingxelo yakho yakutshanje kwikhorenti yakho iya kuba nayo yonke into efunekayo.
- Fumana ulwazi malunga nesithuthi sakho (ukuba awuyi kuba nesithuthi nawe). I-VIN yakho, yenza, imodeli, kunye nomnyaka kuya kuba luncedo ukufumana.
- Fumana ubungqina bemivuzo ukwenzela ukuba ababolekisi baqinisekise ukuba unako ukubuyisela imali mboleko yakho entsha. Iintlawulo ezinokukhawuleza ezikufutshane kufuneka zanele, kodwa khangela ngetyala lakho elitsha ngeenkcukacha.
Hambisa isicelo sakho, kunye nawaphi na amaxwebhu afunekayo, kwaye uphendule kuyo nayiphi na imibuzo engumthengisi. Abaninzi banamalini banokukuphendula impendulo ngosuku olufanayo owenza ngalo, kodwa amanye amaziko angadinga usuku okanye ezimbini ukuphonononga isicelo sakho.
Iingcamango Zokugwema
Ukuhlaziywa kwemali kunokusilingela, kodwa kulula ukugqiba ukuchitha imali engakumbi kunokuba uyifunayo.
Gwema iifolo eziqhelekileyo - ingakumbi ukuba uneminyaka embalwa nje ekhohliweyo ngemali mboleko yakho.
Ukuyithengisa: Imali-mboleko yexesha elide ithetha ukuba uya kugqiba ukuhlawula enye imoto yakho. Kungase kube nzima ukutshintsha imali-mboleko yeenyanga ezingama-48 ukuya kwiinyanga ezi-72 zemboleko, kodwa mhlawumbi uya kuhlawula umdla ngaphezu kobomi bemali mboleko engaphezulu kunokuba ushiya izinto njengoko zikhona. Ixesha elide likhokelela kwiintlawulo ezisezantsi-ezinokunika uncedo olusisiseko kwiimeko zakho zokuhamba kwemali. Kodwa iindleko ezipheleleyo zale mboleko ziphezulu (ezingenakuphikisana nazo kuba ubona intlawulo ephantsi). Kwakhona, itafile yentengiso ingakubonisa indlela iindleko zomdla wakho zongeza ngayo ixesha.
Ukuhlaselwa phantsi: Ukwandisa ubomi bombolekisi bakho kukhokelela ekubolekeni kwemali mboleko . Faka enye indlela, uya kuhlawulwa ngakumbi kwimoto yakho kunokuba ufanelekile. Ukukrazula imoto, kufuneka ubhale isheke kumboleki wakho okanye uqhubeke uhlawula imoto ongeyisebenzisi kwakhona, kwaye akuyiyo indawo efanelekileyo ukuba ibe yindawo.
Uyafuneka ukuba uqhubeke neentlawulo (ukukhusela umonakalo kwi-credit yakho) nangona ukuba imoto iyahlula kwaye ingenakusetyenziswa. Kungcono ukuhlawula imali ngokukhawuleza ukwenzela ukuba uthengise ngokulula (kwaye mhlawumbi uthenge imoto eyahlukileyo, engabizi) ukuba kuyimfuneko.
Izigwebo zokuhlawulwa kwangaphambili: Nangona zinqabile ngeentengo zemboleko zemihla ngemihla, izigwebo zokuhlawulwa kwangaphambili zikhoyo . Qinisekisa ukuba akuyi kubabiza ukuba uhlawule imali yakho ekhoyo. Izigwebo ziyakudla naluphi na imali oyilondolozayo ukusuka kumyinge ophantsi.
Ukulinda ixesha elide ukuhlaziywa: Ukuba usebenze amanani kwaye uyazi ukuba kunengqondo ukuhlaziya umboleko wemoto, ukulinda kunokukuhlawula. Iimali zihamba phambili kwizithuthi ezintsha, kwaye abanye ababolekisi abayi kuhlaziya imali-mboleko ngemoto kwiminyaka ethile (iminyaka eyisixhenxe, umzekelo). Unokufumana ixabiso "lemoto elitsha" xa uhlaziywa ngokukhawuleza emva kokuthengwa kumthengisi kwaye usebenzise inzuzo yokuthengisa. Iirhafu zemali-mboleko zemoto ziphezulu kunamazinga emoto emitsha.
Iintlawulo ezingabikhoyo: Hlalani nibandakanyeka kwinkqubo yokuhlengahlengisa, kwaye ningacingi nantoni na egqityiweyo. Unokucinga ukuba umboleko wakho okhoyo uhlawulwe, kwaye unokuyeka ukuthumela iintlawulo, kodwa nayiphi na ukulibazisa kwinkqubo kunokubangela ukuhlawulwa "okulahlekisiwe" okuya kubonakalisa i-credit yakho kunye nokukwazi kwakho ukuhlaziya. Qinisekisa kubo bobabini ababolekisi ngaphambi kokuba uyeke ukuthumela imali.
Kuphi Ukuhlaziya
Naliphi na umboleki kunye namaxabiso okukhuphisana kunye nemirhumo ifaneleke ukujonga. Kwabaninzi ababolekayo, ibhanki yendawo okanye incinci yemanyano yekhredithi yinto enhle . Lawo maziko atya ukunikela ngexabiso eliphantsi, kwaye ahlala eguquguqukayo malunga nobukhulu bemali mboleko kunye neengxaki zemboleko. Ababolekisi be-Intanethi bayomnye umthombo omuhle - unokuyinyamekela yonke into xa ikulungele kwaye ufumane inqanaba elikhulu kwi-Intanethi.
Fumana amaxabiso ukusuka kubancinci abathathu, kwaye wenze zonke iintengiso zakho kwiiveki ezimbalwa. Xa ababolekisi benza imibuzo kwi-credit yakho, izikolo zakho zesikweletu ziwa kancane. Imibuzo emininzi ibe yingxaki ngokuhamba kwesikhathi, kodwa awuhlawulwanga kwiirhafu zokuthengwa - ngenisa nje zonke izicelo zakho ezinsukwini ezili-14 ukuya kwi-30.