Indlela yokuqasha imoto uma unesikweletu esibi

Ukuqasha imoto entsha kunzima ngokwanele ngaphandle kwezinkinga ezengeziwe zomlando omubi wesikweletu. Isikweletu esibi singenza ukuqasha imoto entsha kube inselele.

Nakuba umthengisi angase abe nomphetho ngenxa yesilinganiso sakho esingaphansi kwenkanyezi, kubalulekile ukukhumbula ukuthi unezinketho. Isipiliyoni sokuqashisa imoto sizoba yinselele kakhulu ngenxa yesikolo sakho sesikweletu, kodwa akudingekile ukuba singenzeki noma singajabulisi.

Ukwenza umsebenzi wesikole omncane kusenesikhathi kungenza inqubo ibe lula kakhulu futhi kwandise kakhulu amathuba akho okuthola isivumelwano esijabulisa wena nomthengisi.

Ake sibheke izindlela ezimbalwa zokwenza uhambo lwakho lwemoto oyiphupho lube ngokoqobo, kungakhathaliseki ukuthi isikolo sakho sesikweletu.

Ingxenye 1 kwezi-4: Yazi ukuthi ubhekene nani

Ufuna ukuya kumdayisi unolwazi. Ukwazi amaphuzu akho esikweletu ngokunembile kuzokongela lezimanga lapho ufika kumthengisi. Nakhu okudingeka ukwazi mayelana nezikolo ze-FICO:

Umbiko wesikweletu wamahhalaIMP: Wonke umuntu ufaneleka ukuthola umbiko wesikweletu wamahhala ovela kwelinye lama-credit bureau amathathu unyaka ngamunye. Xhumana ne-Experian, Equifax noma i-TransUnion ukuze uthole ikhophi yombiko wakho. Ungathola futhi ikhophi kuwebhusayithi ye-AnnualCreditReport.

Iqukethe iniA: Isikolo sekhredithi noma isikolo se-FICO simane siyisilinganiso sokufaneleka kwakho isikweletu. Zonke izikolo zekhredithi zamanje nezedlule zizochazwa kabanzi embikweni. Lokhu kufaka phakathi ama-akhawunti ekhadi lesikweletu, imali ebolekiwe, nanoma yiziphi izimali mboleko noma ukuqashisa. Izophinde iphawule noma yiziphi izinkokhelo eziphuzile noma ezigejiwe, ukuqothuka, nokuthathwa kwempahla.

• Isikolo sakho sibalwa kusetshenziswa i-algorithm yobunikazi, ngakho-ke singahluka kancane kuye nge-credit bureau. Cabangela ukuthola imibiko kuzo zontathu izikhungo ukuze uqiniseke ukuthi zonke zinedatha efanayo. Buyekeza umbiko wakho wesikweletu ngokucophelela, futhi uma uthola noma yimaphi amaphutha, xhumana ne-ejensi yokubika ngokushesha ukuze uwalungise.

Isilinganiso sekhredithi ye-FICO
Akhawunti	Isilinganiso
760 - 850	Прекрасно
700 - 759	Qhubeka Bhala ukubuyekeza
723	Isilinganiso sesikolo se-FICO
660 - 699	Kuhle
687	Isilinganiso sesikolo se-FICO
620 - 659	Akukuhle
580 - 619	Akukuhle
500 - 579	Очень пcl

Kusho ukuthiniA: Izikolo zekhredithi zisukela ku-500 kuye ku-850. Isilinganiso samaphuzu kubathengi base-US singama-720. Izikolo ezingaphezu kuka-680-700 zibhekwa "njengezinkulu" futhi ziholela kumazinga enzalo angcono. Uma isikolo sakho siwela ngaphansi kuka-660, sizothathwa njenge-"sub-prime", okusho ukuthi uzokhokha inzalo ephezulu yokuqasha imoto. Uma i-akhawunti yakho yehle ibe ngaphansi kuka-500, kuzoba nzima kakhulu ukuthola noma yiluphi uhlobo lokuqasha.

Isikolo sakho kuphela esibalulekile: Abathengisi bezimoto ngeke bahlole umbiko wakho wesikweletu; bazodonsa i-akhawunti yakho kuphela.

Ingxenye 2 kwezi-4: Isikweletu sikuthinta kanjani ukuqashisa imoto

Amaphuzu esikweletu aphansi azothinta ulwazi lokuqashisa imoto ngezindlela ezahlukene. Nazi izindlela ezimbalwa isikolo sakho esisezingeni eliphansi singenza izinto zibe nzima kakhulu:

Umphumela 1: Inkokhelo ephansi ephezulu/idiphozithi. Njengoba uthathwa njengengozi kakhulu, inkampani yezezimali izofuna ukuthi ube nezikhumba eziningi emdlalweni. Zilungiselele ukukhokha inkokhelo ephansi ephezulu kakhulu kunabathengi abanesikolo sesikweletu "esiyinhloko". Ababolekisi abaningi bacela okungenani u-10% noma u-$1,000, kuye ngokuthi yikuphi okuphezulu.

Umphumela 2: izinga lenzalo eliphezulu. Izinga lenzalo elingcono kakhulu libekelwe abathengi abanezikolo ezingcono, ngakho abathengi be-"subprime" bazokhokha inani eliphakeme. Inhlawulo yezinga lenzalo izohluka kuye ngombolekisi, futhi yilapho ukuthenga imali yakho kungenza umehluko omkhulu.

Bhekana namaqiniso. Amaphuzu esikweletu aphansi angathinta inani lezimoto ongaziqasha. Yiba neqiniso lapho uthenga imoto futhi uqiniseke ukuthi imoto ethengekayo. Izinkokhelo eziphuthelwe zizomane zenze isimo sakho sekhredithi sibe sibi.

Imoto ogunyazwe ukuthi uyiqashise ingase ingabi uhambo lwamaphupho akho, kodwa uma imali oyibolekile isilungisiwe, ungathenga imoto entsha noma uyixhase ngenzalo ephansi.

Ingxenye 3 kwezingu-4: Thola Uxhaso, Bese Uthola Imoto

Iqiniso liwukuthi ukuthola imali ethengekayo kungenzeka kube nzima kunokulandelela ukugibela okufanelekile. Cabangela zonke izinketho lapho ufuna uxhaso.

Isinyathelo 1: ShayelaIMP: Nakuba abathengisi abaningi bezozama ukukunqoba, abaningi bazothembeka kuwe mayelana namathuba akho okugunyazwa.

Ukuze uthole umbono wokuthi isimo sakho sibi kangakanani, shayela abadayisi abambalwa, uchaze isimo sakho, ubatshele ukuthi intengo izofanelana nani, bese uvele ubabuze ukuthi angakanani amathuba akho okugunyazwa.

Isinyathelo sesi-2: Hlela amaphepha akho: Isikolo sakho sekhredithi sizophakamisa ukukhathazeka okuthile, ngakho-ke thatha amadokhumenti amaningi kanye nawe njengesipele:

• Eminye yemibhalo okudingeka uyilethe ukuze ufakazele imali engenayo ihlanganisa ama-pay stubs, Ifomu W-2, noma Ifomu 1099.

• Letha izitatimende zasebhange, izikweletu zezinsiza, izivumelwano zokuqashisa, noma isitatimende semali yezindlu njengobufakazi bendawo yokuhlala. Uma uhlala isikhathi eside ekhelini lakho lamanje, kuba ngcono.

Isinyathelo sesi-3: Thenga kuma-DealshipsIMP: Izinkampani zezezimali zihlola ubungozi ngendlela ehlukile, ngakho-ke inhloso yakho ukuthola inkampani yezezimali efanele izici zakho zobungozi.

Abathengisi bazovame ukusebenza nababolekisi "abancane" abazimisele ukuxhasa ngezimali amadili okuqasha kumakhasimende anekhredithi embi.

• Imisebenzi: Uma uthenga ezindaweni ezidayisayo, letha owakho umbiko wezikweletu. Njalo uma umthengisi ekukhipha esikweletini, wenza isikolo sakho sibe sibi kancane. Ngeshwa, lezi zingcingo zingadala umonakalo omkhulu uma ushaya inani elikhulu labathengisi. Vumela kuphela umdayisi akukhiphe esikweletini uma uzimisele mayelana nedili.

Isinyathelo 4. Sebenzisa umnyango we-inthanethi womthengisi.IMP: Ungathenga futhi ku-inthanethi endaweni ethengisa izinto.

Usebenzisa isayithi elifana ne-Edmunds.com, ungathumela izicelo zezingcaphuno ezivela kubaphathi abaku-inthanethi kumadeli ahlukahlukene asendaweni ngesikhathi esisodwa.

Ngemva kokuthola ukunikezwa kwentengo, thumela i-imeyili enesicelo somnikelo wokuqashisa.

Lokhu kwenza kube lula ukuqhathanisa izintengo eziqashisayo kumadeli ahlukene.

Isinyathelo sesi-5: LungelaIMP: Kungakhathaliseki isikolo sakho sesikweletu, kuhlale kuwumqondo omuhle ukuzilungiselela ukuqasha imoto.

Cwaninga imoto oyithandayo futhi ubuyekeze izincazelo ze-Kelley Blue Book ukuze wazi ukuthi iyiphi intengo okufanele uyikhokhe.

• Imisebenzi: Ngaphambi kokuvala isivumelwano ngemoto eke yasetshenziswa, kufanelekile ukuthola umakhenikha othembekile ukuze ayihlole ukuze kungabikho okumangalisayo ngemva kokushiya indawo. Uma unokungabaza mayelana nesimo semoto noma isivumelwano, qhubeka ubheka.

Isinyathelo sesi-6: Thola Uxhaso: Izinkampani ezithengisa izimoto kanye nozakwethu bokuxhasa ngezimali akuyona ukuphela kwemithombo yokubolekwa kwezimoto.

Lokhu kuyiqiniso ikakhulukazi kubaqashi bezimoto abanezikolo ezingezinhle. Ababolekisi abasebenza ngokukhethekile ekubolekweni kwe-"subprime" bangase babe yisixazululo esithengekayo. Thenga imalimboleko yakho kulaba babolekisi ukuze ubone ukuthi yini etholakalayo kuwe.

• ImisebenziA: Khumbula ukuthi kukhona ezinye izinketho. Umdayisi wezimoto osebenzisa umlando wakho wezikweletu ukuze akutholele imali embi akuyena umuntu ofuna ukwenza naye ibhizinisi. Ungalokothi wamukele okunikezwayo ongajabule ngakho noma ongakwazi ukukukhokhela.

Ingxenye 4 kwezi-4. Cabangela ezinye izindlela

Uma nje ungakwazi ukuthola isivumelwano esinengqondo yezezimali, ungase uthande ukucabangela ezinye izinketho. Kungakhathaliseki ukuthi ukuqasha imoto, ukuthenga imoto kumngane noma ilungu lomndeni, noma ukuthatha izinto zokuhamba zomphakathi isikhashana eside, ukucabanga ngaphandle kwebhokisi kungadingeka.

Inketho 1: thola isiqinisekoA: Lokhu kungaba inketho enzima.

I-guarantor ngumuntu onamaphuzu esikweletu ahloniphekile futhi ozimisele ukusayina imali oyibolekile. Umxhasi kungaba umngane noma ilungu lomndeni.

Khumbula ukuthi lokhu kuzobabeka odongeni ukuze bakhokhe uma ungazenzi. Ngakho-ke, lesi akusona isivumelwano okumele singenwe kalula yinoma yiliphi iqembu.

Ukuze ube ngumaboleka ngokubambisana wemoto eqashiwe, kufanele:

• Isikolo sekhredithi okungenani esingu-700 noma ngaphezulu.

• Ubufakazi bekhono labo lokudlala, okuhlanganisa ama-pay stubs noma amavawusha e-payroll, noma izimbuyiselo zentela zababoleka kanye nabo abazisebenzelayo.

• Indawo yokuhlala ezinzile nolwazi lomsebenzi. Njengomuntu osayinela isivumelwano sokuqashisa, ababolekisi bakhetha iziqinisekiso ezihlale futhi zasebenza endaweni efanayo isikhathi eside.

Okunye 2: Cabanga ngokuqasha: Ungathatha indawo yokuqashisa ekhona.

Lokhu kubizwa ngokuthi ukudluliswa kwesivumelwano sokuqashisa noma ukuqagela kokuqashisa.

Empeleni, uthatha izinkokhelo zokuqashisa zomuntu odinga ukuphuma ekuqashisweni kwemoto.

Nakuba isikweletu sakho sizohlolwa, izidingo aziqinile njengemali mboleko yemoto noma ukuqashisa okusha. Vakashela i-Swapalease.com ukuze uthole mayelana nezindawo eziqashiswayo ezitholakala endaweni yangakini.

Okunye 3: Thuthukisa Isikolo Sakho Sesikweletu: Iqiniso liwukuthi ukuthuthukisa isikolo sakho sesikweletu akuyona inqubo esheshayo nelula, kodwa kungenziwa.

Ukukhokha izikweletu zakho ngesikhathi kufanele kube yinto ehamba phambili yakho.

Nazi ezinye izindlela zokuthuthukisa izinga lakho:

• Khokha amabhalansi amakhulu ekhadi lesikweletu. Umehluko phakathi kwebhalansi yakho nomkhawulo wekhadi uyisici esibalulekile esikolweni sakho.

• Ukuvula i-akhawunti entsha yekhadi lesikweletu futhi ukhokhe ibhalansi nyanga zonke. Lokhu kukhombisa ukuthi ungaba nesibopho ngesikweletu futhi uthuthukise isikolo sakho.

• ImisebenziIMP: Uma unesikolo esiphansi kakhulu, cabanga ngekhadi lesikweletu elivikelekile. Lawa makhadi adinga isibambiso, kodwa angasiza kakhulu ekulungiseni isikweletu esilimele kakhulu.

Ukuqasha imoto enesikweletu esibi kunzima, kodwa kungenzeka. Kuzodinga ucwaningo, ukuthenga, kanye nesineke ukuthola isivumelwano esisebenzela wena nesabelomali sakho. Uma ususivalile isivumelwano futhi usungene emgwaqeni, wonke umsebenzi uzokufanelekela.