Imalimboleko yemoto: isilinganiso, isikhathi, ukuqhathanisa

Imali mboleko yemoto ikuvumela ukuthi ukhokhele ukuthengwa kwemoto entsha noma esetshenzisiwe. Lena imali ebolekiwe yomthengi engaba yi-75 euros. Ubukhulu bayo, ubude besikhathi kanye nesilinganiso kuncike ekhonweni lakho lokuboleka kanye nekhono lakho lokukhokha. Kubalulekile ukuqhathanisa izikweletu zemoto kahle ukuze uthole okuthakazelisa kakhulu.

💰 Izikweletu zemoto: isebenza kanjani?

Njengoba igama liphakamisa, imalimboleko yemoto yimalimboleko etholwe ukuxhasa imoto. Kungaba yintsha noma isetshenziswe. Kunezinhlobo ezimbili zokubolekwa kwezimoto:

• Le Imalimboleko yomuntu siqu : Lena imali ebolekiwe yomthengi, inani layo elingasetshenziswa ngokubona kwakho. Izinga libekwe ngokukhululeka yisikhungo sezikweletu.
• Le ikhredithi ethintekile : Lona olunye uhlobo lwemalimboleko yomthengi, lesi sikhathi esihleliwe, okungukuthi, esabelwe ukuthenga okuthile, kulokhu imoto.

Noma ngabe ukhetha yiphi imalimboleko yemoto, yimalimboleko yomthengi. Bangakwazi ukufinyelela inombolo enkulu 75 000 € futhi unelungelo lokuhoxa phakathi kwezinsuku eziyi-14 kusukela osukwini lokusayina inkontileka.

Ukukhokhwa kwemali mboleko yomuntu siqu kuqala ngemuva kwalesi sikhathi sokuhoxa nalapho usunayo imali mboleko onayo.

Uma uboleka imoto, uma ukudayiswa kukhanseliwe, isivumelwano semalimboleko asenziwa ngaphandle kwenkokhiso kuwe. Uqala ukubuyisela imali mboleko yemoto kusukela ngesikhathi ubuyisela imoto.

Ngokunjalo, uma ungakwazi ukubolekwa imali yemoto, ukudayiswa kwemoto kuthathwa njengento eyize.

Imali mboleko yemoto, kungaba imali mboleko yomuntu siqu noma imali ebolekiwe eshintshiwe, iqukethe izinto ezifanayo njenganoma iyiphi enye imali mboleko:

• Enye isikhathi, okuyinkokhelo yemalimboleko futhi edlala indima enkulu ekubaleni inani lezinkokhelo zakho zanyanga zonke;
• Un umnikelo womuntu siqu kungenzeka;
• Un скорость ngendlela yenzalo, ehlanganisa inzalo emalini ebolekiwe, kanye nomshwalense;
• Enye iwarantingqo lokho okungaphoqiwe ngumthetho, kodwa empeleni kudingwa ngokuhlelekile yizikhungo zezikweletu;
• kusuka ku Izinkokhelo zanyanga zonke, noma inani okumelwe ulikhokhe inyanga ngayinye futhi elingeke lidlule ingxenye eyodwa kwezintathu yeholo lakho (lokhu kubizwa ngokuthi umthamo wokuboleka);
• Un inani lezindleko, okubonisa ukuthi imali ebolekiwe ibaluleke kangakanani kuwena, okungukuthi, imali oyibolekile okufanele uyikhokhe, kanye nenzalo.

Khumbula ukuthi izindleko eziphelele zokubolekwa kwemoto zihlala zingaphezu kwezimali ezibolekiwe. Ngoba ekupheleni kwesikhathi sokubolekwa kwemali, akufanele ukhokhe kuphela le mali, kodwa futhi nenzalo kuyo, umshuwalense futhi, ekugcineni, izindleko zokuphatha.

📅 Imalimboleko yemoto: isikhathi esingakanani?

Isikhathi sokufaneleka semali mboleko yemoto siyahlukahluka. Kuya ngesikhungo esibolekisayo, kanye nasendabeni yakho kanye nekhono lakho lokuboleka imali. Nokho, isikhathi esincane semalimboleko ethintekile yizinyanga ezi-3. Lapho uthenga imoto entsha, ayikwazi ukudlula Izinyanga ezingama-84ngokumelene 72 okwemoto esetshenzisiwe.

Ngokwesilinganiso, imali mboleko yemoto ihlala Eminyakeni 5... Kodwa uma imali mboleko isifushane, ishibhile: ngempela, imali ende idinga inzalo eyengeziwe kanye nezinkokhelo zanyanga zonke. Kodwa-ke, imali ebolekiwe yemoto emfushane inezinkokhelo eziphakeme zenyanga ngoba ukubuyiselwa kwemali mboleko akusakazeki kancane ngokuhamba kwesikhathi.

Ngamafuphi, ubude besikhathi sokubolekwa kwemoto yakho kufanele buhambisane nesabelomali sakho. Eyakho isilinganiso sezikweletu akufanele yeqe 33%Lokhu kusho ukuthi awukwazi ukusebenzisa ngaphezu kwengxenye yesithathu yomholo wakho wanyanga zonke ukukhokha imali ebolekiwe.

Ngakho-ke, kubalulekile ukwenza ukulingisa okuzenzakalelayo kwemalimboleko ekhuphuka nomfula. Ngeke uhlanganise imali engenayo kuphela, kodwa nezindleko zakho, kuhlanganisa nezinye izimali mboleko okungenzeka ukuthi usunazo kakade ohlelweni (njengemali ebolekiwe). Ukusuka lapho uzothola eyakho amandla okuboleka, okungukuthi, inani ongalindela ukuliboleka kanye nesilinganiso sezinkokhelo zakho zanyanga zonke.

📍 Ngingayithola kuphi imali mboleko yemoto?

Ngokuya ngohlobo lwemali mboleko oyikhethile, unezinketho ezintathu zokuthola imali mboleko yemoto:

• Ibhange noma isikhungo sezikweletu ;
• Inkampani Yomshwalense ;
• Un umthengisi.

Uma unquma ngemalimboleko ethintekayo, uzokwazi ukufinyelela kunoma iyiphi yalezi zinketho. Amabhange amaningi ayaziboleka izimoto, njengoba kwenza nezinkampani zomshwalense ezinkulu njenge-MAAF noma i-MACIF. Okokugcina, ungathatha imalimboleko yemoto khona kanye lapho othenge khona, endaweni edayisa izimoto.

Uma ukhetha imali mboleko yomuntu siqu, kuzodingeka uthinte ibhange noma isikhungo sezikweletu. Kunoma yikuphi, sikweluleka ukuba wenze ukumbumbuluzwa kwemalimboleko yemoto ukuthola isilinganiso esingcono kakhulu. Ngempela, lokhu kwehluka kakhulu izikhungo ngezikhungo.

Futhi nomahluko omncane enanini lenzalo elisetshenziswa ngesikhathi sokubolekwa kwemoto yakho kungaba nomthelela omkhulu ezindlekweni eziphelele zemali mboleko yakho!

🔍 Imalimboleko yemoto: ibhange noma umuntu onemvume?

Isixazululo esivame kakhulu semalimboleko yemoto isabelo semalimboleko. Ungakwazi ukwenza isivumelwano ebhange noma ngqo ku umthengisi othenga kuye imoto yakho entsha. Umthengisi ube esesebenza njengomxhumanisi futhi inani lemalimboleko lizokhokhwa kuye yibhange lapho kulethwa imoto.

Ngakho-ke inzuzo ukuthi awunayo azikho izinyathelo ezengeziwe yenza. Umnikezeli wemvume anganikeza namafomula anenzuzo. Ekugcineni, kuzoba lula kuwe ukuxoxisana ngokuthenga imoto yakho.

Kodwa-ke, imali ebolekiwe yemoto ethathwe ngokuqondile kumthengisi ayiyona into ethakazelisa kakhulu ngenani. Ngokuvamile, ukhokhela imali mboleko yemoto eshibhile uyadlula ibhange.

Ngakho-ke, iseluleko sethu lapho ufuna imali ebolekiwe yemoto eshibhile ukwenza ukulingisa. Ungaphasa futhi isifanisi sokubolekwa kwemoto thola imali mboleko enenzuzo enkulu kuwe. Ungakhohlwa ukuqhathanisa nomshwalense.

Ngempela, uma kungabophezeli ngokomthethoqinisekisa imalimboleko yakho, amabhange ngokuvamile enqaba imali ebolekiwe ngaphandle komshuwalense. Lokhu kuzokuvikela wena nabahlomuli bakho uma uzithola ungakwazi ukukhokha imali ebolekiwe yemoto (ukulahlekelwa umsebenzi, ukukhubazeka, ukufa, njll.). Umshwalense uzokhokha imali ebolekiwe.

📝 Ungayithola kanjani imali ebolekiwe yemoto?

Ukuze uthole isikweletu semoto, isinyathelo sokuqala ukufaka isicelo ukuqhathaniswa kwezilinganiso kanye nokumodela amandla akho okuboleka. Uzodinga ngempela ukukhetha isikhungo sokuboleka ngenani elingcono kakhulu ongakhona bese wenza ngendlela oyifisayo ifayela lakho.

Lokhu kuhlanganisa inqwaba yamadokhumenti asekelayo:

• Ukuhlonza : umazisi, ubufakazi bekheli;
• Ubufakazi bemali engenayo : ama-payroll amathathu okugcina, i-RIB, njll.;
• Isiqinisekiso semalimboleko : ifomu loku-oda lemoto entsha.

Le ngxenye yokugcina ayidingeki uma ukhetha ukusebenzisa imali ebolekiwe yomuntu siqu esikhundleni semali mboleko ethintekayo. Leli fayela lisetshenziselwa ukuvikela isicelo sakho sokubolekwa imali ebhange ngokuqinisekisa isikweletu sakho.

Kumane kuyindaba yokuhlola iholo lakho, izindleko zakho kanye nokunikeza imali ebolekiwe efanelana nesimo sakho. Ngakho-ke, ibhange lingase likucele imibhalo eyengeziwe. Qaphela ukuthi ungacela umdayisi ukuthi akusize uqhathanise amanani ezikhungo ezibolekisayo ezihlukene, nokuthi angakusiza ukuhlanganisa ifayela.

Lapho isikhungo sezikweletu sihlola icala lakho futhi i-solvency, uyasamukela noma uyasichitha isicelo sakho semalimboleko yemoto. Uma wamukelwe, uzokunika umnikelo wesikweletut, okuhlanganisa ukuvuthwa kwemali mboleko, inani lazo kanye isilinganiso samaphesenti wonyaka wezindleko (APR).

Uma wenqaba, ungase wenze isicelo kwelinye ibhange. Ukudayiswa kwemoto kukhanseliwe ngaphandle kwesijeziso.

Uma wamukela okunikezwayo futhi ukusayinda, uzoba nesikhathi sokucabanga ngezinsuku eziyi-14 ngemuva kokusayina. Unganciphisa lesi sikhathi ngokuthintana nomdayisi wezimoto ngokubhala.

⏱️ Imali ebolekwayo yemoto: isikhathi esingakanani ukuba nemali?

Isikhathi esisithathayo ukukhipha imali ngemuva kokuthola imali mboleko yemoto siyahluka. Kuya emalini, kodwa ikakhulukazi kumbolekisi. Ngokuvamile izimali ziyakhokhwa otya 1 semaine et al. 2 ngemuva kokusayina imali ebolekiwe.

Isikhathi esincane sokukhishwa kwezimali ngu Izinsuku ze-7... Kodwa njengoba isikhathi sokuhoxa siyizinsuku eziyi-14, izikhungo eziningi zezikweletu zikhetha ukulinda kuze kuqedwe ngaphambi kokubuyisela imali ebolekiwe yemoto.

Kodwa ungethuki: ngesikweletu esilimele, ngeke uqale ukubuyisela imali oyibolekile kuze kufike umkhiqizo. Ayikho inkokhelo engadingeka kuze kube yilapho isikweletu sisayinwa futhi isikhathi sokuhoxa siphela, ngisho noma ungase ucelwe ukuthi ufake idiphozi ekuphumeni. Izobuyiselwa kuwe uma imalimboleko yenqatshwa noma uma ukhansela ukuthengisa.

Ngemalimboleko yomuntu siqu, ukukhokha kungase kungadingeki kuze kuphele isikhathi sokuhoxiswa kanye nokukhululwa kwezimali. Ngakho-ke akukho okufanele ukhathazeke ngakho!

Yilokho kuphela, wazi konke mayelana nokubolekwa kwezimoto! Njengoba kungenzeka ukuthi usubonile manje, kubalulekile ukuqhathanisa amanani ngokucophelela ukuze uthole imali mboleko yezimoto ehamba phambili. Lungiselela ifayela kahle ukuze ufakazele ikhono lakho lokukhokha, ikakhulukazi njengoba amafayela angcono kakhulu yilawo abolekwe ngemibandela engcono kakhulu.