Imikhonyovu engase ikumangaze ngaphambi kokuqasha imoto
Okuqukethwe
Kubantu abaningi, ukuthenga imoto ngokuqashisa kungase kukhululeke kakhulu futhi kube lula kunokuthenga eyodwa, kodwa ngaphambi kwalokho, kubalulekile ukwazi ukuthi yiziphi izigebengu ezivame kakhulu ezihlobene nalolu hlobo lwenqubo.
Ukushayela imoto entsha kungaba okuhlangenwe nakho okujabulisa ngempela, futhi lokhu kusabisa kungase kubangele ukuba singayihlaziyi kahle inkontileka noma singazitholi izinzuzo ezigcwele zesivumelwano.
Ukuqashisa kufanele kufundwe ngokucophelela, kuqashelwe ukuphrinta okuhle, njengoba abanye abadayisi bezimoto bengabona umthengi othukuthele kakhulu futhi ongaqaphile. Ngakho-ke, ngaphambi kokusayina igama lakho, kubalulekile ukunquma ukuthi bazama ukukukhohlisa.
Ngakho-ke, lapha sizokutshela mayelana neminye imikhonyovu okungenzeka ukuthi uyitholile ekuqashisweni kwezimoto.
1.- Izinkokhelo zesikhathi esisodwa ziphindaphinda
Enye indlela abathengisi abenza ngayo imali eningi ukusabalalisa izinkokhelo zesamba phakathi nesikhathi semalimboleko (lokhu kubizwa ngokuthi i-amortization). Isibonelo, esikhundleni senkokhelo yesikhathi esisodwa yediphozi yesibambiso engu-$500, umdayisi uyayixhasa ngezimali futhi wenza kanjalo phakathi nokuphila kwesikweletu. Uma lehla, ithola inzalo futhi, kunjalo, ukhokha ngaphezulu.
2.- Izinga lenzalo lihle kakhulu ukuthi lingabi yiqiniso
Ukusebenza nanoma yiluphi uhlobo lwenkontileka kungase kudideke. Ngaphambi kokuthi usayine inkontileka yemoto entsha, hlola kabili ukuthi izinga lenzalo elithenjisiwe lifana nalokho okutholayo. Abathengisi bangase bakwenze ucabange ukuthi uthola inzalo enhle, kodwa uma ufunda imibhalo emihle, empeleni bakukhokhisa inani eliphezulu.
3.- Izijeziso zokunqanyulwa ngaphambi kwesikhathi
Ungathola nezijeziso ezivumelwaneni zokuqashisa uma ufuna ukunqamula isivumelwano ngaphambi kwesikhathi futhi uzokhokha izinkulungwane zamadola.
Ngaphambi kokusayina isivumelwano sokuqasha imoto, qiniseka ukuthi ufuna ngempela ukugcina imoto isikhathi esishiwo esivumelwaneni sokuqasha. Ukuqashisa kuyabiza.
4.- Mahhala
Qiniseka ukuthi ufunda isivumelwano sokuqashisa ngokucophelela. Ngokuvamile bangase bashintshe ukubheja bafake omunye ukubheja ngegama elihlukile; eqinisweni ziyefana.
5.- Isikhathi sokuqasha
Abantu abaningi bagxila ekuxoxisaneni ngenkokhelo yanyanga zonke. Lena ingxenye nje yendaba. Kufanele futhi ucabangele isikhathi sokuqashisa: inani lezinyanga. Inani layo eliphelele liyinhlanganisela yalokhu okubili.
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