Imboleko yemoto enye yezivumelwano ezinkulu zemali umntu angangena ngaphandle kwemali mboleko, ngoko kubalulekile ukuqwalasela ngokucophelela ukhetho lwakho kwaye wazi ukuba uzifumana njani phambi kokuba ubhalise umgca.
Qonda ukuba uya kuvuma nini xa usayina imali yemboleko yemoto, kwaye uthathe uluhlu olubalulekileyo lwezinto zokuqwalasela xa uthelekisa ukuthengwa kwemboleko.
Yintoni Eyenza Imali?
Imali-mboleko yemoto iya kuzo zonke iimoko kunye nobukhulu, kodwa zonke zizinto ezintathu eziyinhloko: ixabiso lemali, ubude, kunye nenzala.
Inani lemali liza kuthiwa liqinisekiswe yimalini imali oyifunayo ukuxhasa imali ukuthengwa kwe sithuthi, ngelixa ixesha elimiselwe nguwe linike amandla akho okuhlawula kwaye inzala yenzalo ibonelelwe ngamanqaku akho. Umyinge wenzalo uza kuthiwa u- APR , omele umyinge wepesenti wonyaka, kwaye amaxesha amanqaku okuthenga ngetyala afunekayo ukufaka isicelo aya kubalwa.
Nangona uthelekisa ukuthenga, qhathanisa ukuba luphi uhlobo lokuhlanganiswa kwezi zinto zintathu lubangela ingqiqo kakhulu kuwe kunye nebhajethi yakho.
Uluhlu olukhethiweyo lokukhangela imali
Awufuni ukuphosakela into xa kuziwa ekuthengeni imoto. Ukusebenzisa uluhlu lwemboleko yemoto kuya kukunceda uqhathanise umboleko omnye kwenye.
Yenza iBhanki yakho yokuQala yokuqala: Izihlandlo ezithoba kwishumi, uya kufumana inqanaba lomdla wemali-mboleko ehamba phambili ngokuya kwibhanki yakho okanye kwimanyano yekhredithi ngaphambi kokuya kumthengisi. Ngelixa iibhanki zifuna i-credit ephezulu , ukuba unokuzibopha ngemboleko ngaphambi kokuba uphumelele kwinqanaba, uza kuba kwindawo engcono yokuthetha-kwaye uzisindise imali eninzi ngexesha elide.
Yenza uMthengisi onikwe ilayisenisi yakho yeSibini yesiThi: Iimpawu ezinkulu ezifana neToyota, Honda, Ford kunye namanye amagama owaziyo nokuthembayo ahlala eneziko lawo lemali. Ukuze uthabathe kule mikha nangona kunjalo, uza kufuneka uthengele isithuthi sakho nomntu oyingxenye yale nethiwekhi enkulu. Qinisekisa ukuba ucele umboleko ngqo kwiinkampani zenkxaso, njenge-Ford Credit, kwaye ucacise ukuba awufuni ukucinga ngabathengisi benkampani yangaphandle.
Yazi Iindleko ezipheleleyo zeNgxowa-mali: Masithi uthatha imali-mboleko eyi-$ 10,000. Ukuba ufuna i-mboleko yeenyanga ezingama-36 kunye neepesenti ezingama-4 u-APR kwaye uyayithelekisa kwi-mboleko yeenyanga ezingama-48 kunye ne-3.5 yeepesenti i-APR, ngubani na ongcono?
Kuxhomekeke kulokho "bhetele" kuthetha kuwe. Imali-mboleko yokuqala iya kuza ne-$ 295.24 yokuhlawulwa kwenyanga kwaye ixabise i-$ 628.63 ngenzala, oku kuthetha ukuba "iindleko ezipheleleyo" ziya kuba yi-$ 10,628.63. Imboleko yesibini ingavakala ingcono kuba inomyinge wezinga eliphantsi, kodwa ngenxa yokuba ixesha elide lemali-mboleko lide, uya kugqiba ukuhlawula ngaphezulu. Intlawulo yakho yanyanga zonke iya kuba ngaphantsi kwe-$ 223.56. Uza kuhlawula i-$ 730.88 ngemali ngaphezu kwekota eli-4, ukuzisa ixabiso elipheleleyo kwi-10,730,88. Ukuba inkokhelo yenyanga ephantsi ixabisa ngakumbi kuwe kunokuhlawula ubuncinane ubuncinane, ke uye kunye nemboleko yesibini.
Buza malunga Nezohlwayo Zokuhlawula Ngaphambili
Ukuba inzuzo yakho iyitshintsha kwaye uqala ukwenza imali eninzi, unokufuna ukucinga ngokuhlawula imali yakho mboleko kwangaphambili ukwenzela ukuba ulondoloze inzala kwaye unqande ukuhlaselwa kweentlawulo zenyanga. Kodwa ukuba wenza njalo ngaphandle kokukhangela ukushicilela okulungileyo, unokuthi uthatyathwe izigwebo eziya kwenza ukuba kungabi nako ukwenza njalo. Kukulungele ukujonga ngetyala lakho ngaphambi kokuba uvumelane nantoni na.
Ukuthengwa Konke NgeNkanye Kanye okanye Kungekho Konke
Ukuba uthatha ixesha lakho elimnandi xa uthelekisa ukuthenga iimboleko, i-credit yakho iya kuba neengxaki.
Njalo xa umnini-mboleko onokubheka i-credit yakho, i-credit yakho iya kuthi kube nzima ukufumana umboleko ohlukile xa ukhetha ukwenza njalo. Oku kungenxa yokuba ukuthenga ngeentengo zemboleko emininzi ngumqondiso kubani-mboleko onqwenela imali, nangona ukuba akukho konke.
Hlola nge-Business Business Bureau
Ngaphambi kokuba ungene kumanyano omanyano onyaka-mali kunye nenkampani, kufuneka uqwalasele kwaye uqiniseke ukuba abanalo isibalo esikhulu sezikhalazo okanye imbali yabasebenzi bamatyala abahluphekileyo! Kwiinkampani ezinkulu kunye namancinci ngokufanayo, ungabiza iBusiness Business Bureau (BBB) okanye khangela kwi-intanethi.