Ukubuyisela imoto yakho kumboleki wakho, owaziwa nangokuthi ukuzibuyisela ngokuzithandela, unokukhetha okulungileyo. Kodwa kubalulekile ukuqonda indlela inkqubo isebenza ngayo ngaphambi kokuba uchithe izitshixo.
Yintoni Ukuzibuyisela Ngokuzithandela?
Ngokuziphindaphinda ngokuzithandela, ubuyisela imoto yakho kumboleki wakho xa ungeke ukwazi ukuhlawula.
Ukwazisa umnini-mboleko wakho ukuba awuyi kuyenza iintlawulo eziya phambili kwaye ufuna ukunikela imoto. Emva koko, ubeka ixesha kunye nendawo, uzisa isithuthi (kunye nokukhwela ekhaya), kwaye uvula izitshixo.
Le nkqubo inokuzithandela kuba ucela kwaye ulungisa yonke into kunokulinda umboleki wakho ukuba eze kwaye athathe isithuthi.
Xa ufumana umqeshiso okanye umbolekiso wemoto, isithuthi othengayo sibeka umboleko .
Ngamanye amazwi, umnini-mboleko wakho unokuthatha (okanye "ukubuyisela kwakhona") isithuthi kwaye uthengise ukuba uyeka ukuhlawula. Intengiso iya kuhlawula umboleko wakho, kwaye unokuyeka ukwenza iintlawulo, kodwa umboleko ungahlawulwa ngokupheleleyo. Ukuba kusekho ibhajethi engakhokhelwa, usoloko unetyala ngemali mboleko.
Kutheni uhamba ngokuzithandela?
Ngokuzibuyisela ngokuzithandela, uphelisa uxinzelelo kunye neendleko zokusebenzisana nomntu ongenamandla.
Amava anzima: Kwi-standard standard (non-voluntary) repossession, ababolekisi bathumela i-agent reossession ukuqokelela isithuthi-kwaye awukwazi ukuba kuya kwenzeka nini.
I-arhente inokufumana isithuthi ukusuka ekhayeni lakho, umsebenzi wakho, okanye apho uhamba khona. Ama-Agent Repossession angakulandela, okanye angasebenzisa i-GPS ukufumana isithuthi. Ukuba awukulungele ukuhambisa imoto yakho, oku kungabangela ukuxhalabisa kunye nesimo esingathandekiyo: Kuthekani ukuba bathatha imoto yakho xa ude kude nekhaya kwaye kufuneka uwathabathe abantwana bakho?
Iindleko: Ukuhlaziywa kwemveli kuyabiza. Kodwa unokuzixelela ngokuzithandela umnini-mboleko wakho ukuba awuyi kuyenza iintlawulo ngokuya phambili, kwaye wenze amalungiselelo okunikezela imoto yakho. Ubeka ixesha kunye nendawo, uzisa isithuthi (kunye nokukhwela ekhaya), kwaye uvula izitshixo.
Umlando weNkcitho? Enye impembelelo eqhubekayo yokuphumula-ingaba ngokuzithandela okanye kungekhona-umonakalo wakho wekhredithi. Nangona kunjalo, ukunikezela ngesithuthi sakho ngokuzithandela kungenako ukulimaza.
Ngaba Ukubuyiselwa Kuza Kukutshabalalisa Imali Yakho?
Ikhredithi yakho iya kubandezeleka nayiphi na ixesha xa ungagqibekanga ngemboleko . Amanqaku okuthenga ngetyala azama ukukhetha ukuba ngaba uya kuyeka ukuhlawula okanye awuyi kubeka iintlawulo , kwaye basekela ubungqina ngokubhekiselele ukuba ngaba ukwenzile oko ngaphambili. Kodwa akukho nto isigxina: Ukungaguquki ngokuphindaphindiweyo kuvela kwiingxelo zakho zemali emva kweeminyaka ezisixhenxe, kwaye amanqaku akho kufuneka aqale ukuphucula kwiminyaka embalwa yokubuyisela. Unokwakha kwakhona i-credit yakho emva kokuhlaziya ngokufumana iimali-mboleko ezintsha kwaye uzihlawule kwiminyaka ezayo.
Ukuzibuyisela ngokuzithandela ngokufanayo kuyinto efanayo nokungazibandakanyeki: mboleko engapheliyo. Eminye iya kubetha phantsi izikolo zakho zemali. Kodwa kukho umehluko omncinane : Ukuzinikela ngokuzithandela kubonisa ngokuhlukileyo kwiingxelo zakho zeentengo zemali, kwaye oko kunokubaluleka kumntu ofunda ngxelo yakho ngesandla.
Ngokomzekelo, igosa le mboleko kwiziko elincinci lemali-mboleko linokufunda nganye ngento kwingxelo yakho. Ngamanye amanqaku omatshini wekhompyutha, ngakwelinye icala, mhlawumbi akayi kunyanga ngokuzithandela kunikezela ngokungafaniyo.
Ukuba nabani na onokuxelela ukuba ukuzimela ngokuzithandela akuyi kukulimaza ikhredithi yakho, ukuvavanya ukuba yiyiphi inzuzo umntu anayo. Ngaba baya kuxhamla ngemali (ngokukuthengisa ngemveliso okanye inkonzo, umzekelo) ukuba unqumle ukuthatha imoto yakho? Ukuba kunjalo, fumana iingcebiso kwenye indawo.
UNxibelelwano luyintloko
Kubulumko ukuthetha nabathengisi xa unenkathazo ngeentlawulo. Ukwenza njalo kuvula umnyango kwezinye iindlela, kunye nokuzimela ngokuzithandela yindlela enye ekhoyo. Ukuba usebenza, unokufumanisa ukuba umboleki wakho uzimisele ukusebenza nawe. Baya kufumana ngaphezulu xa ugcina imoto, nangona kufuneka aguqule imboleko ngokunciphisa iintlawulo zakho okanye inzala.
Sekunjalo, unokuba luncedo ngakumbi ngokunika imoto kwakhona.
Ukuba uyeka ukumenza iintlawulo, umnini-mboleko wakho uya kuthatha ukuba uzimisele ukugcina imoto ngokude nje ukukuvumela. Ekugqibeleni baya kuthumela umntu we-repo (kunye noMthetho kaMurphy uthi uya kufika ngexesha elibi kakhulu kunokwenzeka, kwaye uya kubamba zonke iindleko. Nangona ukuhlaziya kukukhetha kwakho kuphela, kungcono ukunxibelelana.
Kuthiwani ngeenkampani ezinikezela ukuthetha ngetyala lakho? Lumnka. Okukhethileyo kukusebenza ngokuthe ngqo kunye nomboleki wakho. Iingubo zenkampani yesithathu ezithembisa ukuguqulwa kwemboleko ngamanye amaxesha zingenza izinto zibe zibi nakakhulu.
Ngaba Awukwazi Ukuthengisa Imoto?
Xa umnini-mboleko wakho uthengisa imoto ebuyisiwe, mhlawumbi ayiyi kuthengiswa ngexabiso elifanelekileyo. Ababolekisi bafunwa ngumthetho ukuba bafumane ixabiso elifanelekileyo okanye "elithengisayo", kodwa mhlawumbi ngaphantsi kokuba ufumane ukuba uthengise imoto wena. Ngelishwa, kunokuba nzima ukuthengisa imoto.
Umngeni kukuba umnini-mboleko wakho unobungozi kwisithuthi, ngoko awukwazi ukudlulisela isihloko kuye kumthengi ade ufumane ikhonkco. Ukuze uthengise imoto ngokwakho, kuya kufuneka uhlawule umboleko wokuqala- oko kwenzeka njengenxalenye yentengiso. Ewe, ukuba unayo imali eyaneleyo yokuhlawula imali mboleko, mhlawumbi uya kuhlala uhlawula. Ukuthengisa imoto ngokwakho kunokukhetha ukuba unayo imali (okanye umthengi oguquguqukayo) kwaye ufuna nje ukuphuma embolekweni.
Indlela Yokugcina Imoto
Xa ujongene nokuhlaziya, kukho iindlela ezininzi. Ungagcina imoto yakho (okanye uyifumane kwakhona) ukuba uyayikhupha isithuthi okanye ubuyisele imali mboleko, kwaye unokuthintela ukuhlaziywa ngokufakela i-bankruptcy kunye nokukhuselwa phantsi kokuhlala ngokuzenzekelayo. Funda kabanzi malunga nezo zikhetho kwi- summary of repossession yethu .