Indlela yokuqeda isikweletu semoto
Okuqukethwe
Uma uthenga imoto kodwa ungenayo imali yenani eliphelele lokuthenga, ungathatha imali ebolekiwe ngebhange noma umbolekisi. Wenza izinkokhelo zenani elifunekayo ngaphansi kwenkontileka yokuthengisa okuvunyelwene ngayo. Isivumelwano semalimboleko siqukethe...
Uma uthenga imoto kodwa ungenayo imali yenani eliphelele lokuthenga, ungathatha imali ebolekiwe ngebhange noma umbolekisi. Wenza izinkokhelo zenani elifunekayo ngaphansi kwenkontileka yokuthengisa okuvunyelwene ngayo.
Isivumelwano semalimboleko siqukethe imibandela eminingi yokuthengisa, okuhlanganisa:
- Isikhathi sesikweletu
- Inani lezinkokhelo zakho
- Isheduli yokukhokha (ngeviki, biweekly noma nyanga zonke)
Kunezimo eziningana ezingase ziphakame lapho ungase ufune ukukhokha imali ebolekiwe yemoto yakho noma ube nomunye umuntu ophatha izinkokhelo zemoto yakho. Izimo ezinjalo zihlanganisa:
- Awusakwazi ukukhokhela inkokhelo yemoto yakho.
- Ukufisa enye imoto
- Ukuthuthela endaweni lapho ongayidingi khona imoto
- Ukungakwazi ukushayela ngezizathu zezempilo
Kungakhathaliseki ukuthi kungani ufuna ukuqeda inkokhelo yakho yemali mboleko yemoto, kunezindlela eziningana zokubhekana nesimo.
Indlela 1 kwezi-3: buyisela imali ebolekiwe
Lokhu kungase kubonakale kuyisixazululo esilula kakhulu, kodwa abantu abaningi abanesikweletu abayazi imininingwane eminingi. Ukuthenga imoto kuyamangaza, futhi kungenzeka ukuthi imininingwane izokhohlakala noma ingachazwa ngokugcwele ngesasasa lokuthenga imoto.
Isinyathelo 1: Xhumana nombolekisi wakho. Thola ukuthi yimalini osakweleta emalini ebolekiwe yemoto yakho.
Izikweletu eziningi zezimoto ziyimalimboleko evulekile futhi zingabuyiselwa noma nini.
Uma unemali yokukhokha imoto yakho, kungakhathaliseki ukuthi ibhonasi yomsebenzi noma ifa, ngokuvamile ungathintana nombolekisi wakho bese nixoxisana ngokukhokha ngokugcwele okusele kwesikweletu.
Isinyathelo sesi-2: Khokha imali oyibolekile. Uma usuyilungisile imali, yenza i-aphoyintimenti nombolekisi bese ukhokha imoto.
Ukukhokha kusenesikhathi kwesikweletu semoto kukuvumela ukuthi wonge inzalo enanini elixhasiwe. Iphinde ikukhulule umholo wakho, okuwusizo uma ufaka isicelo sokubolekwa imali.
Isilinganiso sakho sesikweletu-kuya-sesevisi sinciphe kakhulu, okwenza ubukeke kangcono kulowo ongase abe umbolekisi.
Indlela yesi-2 koku-3: thola umthengi
Imali mboleko yemoto isuselwa kumphumela wesikweletu somthengi kanye nekhono labo lokubuyisela imali ebolekiwe. Ababolekisi ngeke badlulisele imali ebolekiwe yemoto komunye umuntu ngaphandle kokunquma ukufaneleka kwabo ukuthola uxhaso.
Ibhange lizodinga:
- Qinisekisa ubunikazi bomthengi
- Yenza isheke lesikweletu
- Qinisekisa imali engenayo yomthengi
- Phetha isivumelwano semalimboleko nomthengi
- Susa isixhumanisi esihlokweni semoto yakho.
Okuzodingeka ukwenze:
Isinyathelo 1: Nquma ibhalansi yakho esele yemalimboleko yezimoto. Shayela umbolekisi wakho bese ucela inani lamanje lokubuyisela imali mboleko yakho. Lena imali esele osadinga ukuyikhokha.
- Imisebenzi: Uma ukweleta ngaphezu kwalokho okulindele ukukuthola ngokudayiswa kwemoto, ungakwazi ukwengeza izimali ezivela ku-akhawunti yakho yasebhange ngemva kokuba imoto idayiswe ukuze ukhokhe imali ebolekiwe ngokugcwele. Ukuba nesikweletu semali mboleko yezimoto esingaphezu kwenani lemoto yakho kubizwa ngokuthi "i-negative equity."
Isinyathelo sesi-2: Khangisa imoto yakho ethengiswayo. Uzodinga ukufaka kuhlu imoto yakho ezothengiswa ngokuthumela izikhangiso eziqondiswe kulabo abangase babe abathengi.
- Imisebenzi: Ungasebenzisa amawebhusayithi aku-inthanethi njenge-Craigslist, i-AutoTrader, phrinta izikhangiso esigabeni se-classified sephephandaba lakho lendawo, noma uphrinte amaflaya kumaphosta emabhodini ezaziso zomphakathi.
Isinyathelo sesi-3: Xoxa ngentengo yokuthenga nomuntu ongase abe umthengi. Khumbula ukuthi udinga ukuthola inani elithile ukuze ukhokhe isikweletu.
Isinyathelo sesi-4: Gcwalisa ibhili yentengiso. Gcwalisa ibhili yokuthengisa nomthengi ngentengo okuvunyelwene ngayo.
- Ukunakwa: Qiniseka ukuthi ibhili yentengiso iqukethe imininingwane yokuxhumana yazo zombili izinhlangothi, incazelo yemoto, kanye nenombolo ye-VIN yemoto.
Isinyathelo 5: Xhumana nombolekisi wakho. Bazise ukuthi uthengisa imoto yakho futhi udinga ukwenza izinhlelo zokususa i-link emotweni yakho.
Izikweletu ziyitayitela yemoto yomboleki ngesikhathi kusakhokhwa imali ebolekiwe.
Isiphathimandla semalimboleko sizobuyekeza imininingwane yokudayiswa futhi sikhulule isikweletu lapho umthethosivivinywa wokuthengisa usuqediwe.
Isinyathelo sesi-6: Thola inkokhelo ephelele evela kumthengi. Uma umthengi ezokhokha emotweni yakho, uzodinga ukuthola uxhaso lwezimali esikhungweni esibolekisayo.
Uma sebethole imali mboleko, bazoba nesibopho sokukhokha leyo mali mboleko endaweni yakho.
Inkokhelo yabo yemoto ingase yehluke kakhulu enkokhelweni yakho kuye ngemibandela eminingi, okuhlanganisa:
- Isikhathi abasikhethile
- Izinga lenzalo abalitholile kubabolekisi babo
- Usayizi wenkokhelo yabo ephansi
Isinyathelo sesi-7: Khokha imali oyibolekile. Letha inkokhelo ephelele yemali mboleko kumbolekisi wakho, oyobe eseyikhansela imali ebolekiwe uma isikhokhelwe ngokugcwele.
Uma imali ebolekiwe isikhokhelwe ngokugcwele, ngeke usadinga ukukhokhela imoto!
Indlela yesi-3 koku-3: Uhweba ngemoto yakho
Uma unokulingana okwanele emotweni yakho, ungayihweba ukuze uthole imoto enenani eliphansi bese uhamba ngaphandle kokukhokha.
Isinyathelo 1: Thola inani lokuhlengwa kwemoto yakho. Xhumana nombolekisi wakho futhi ucele inani lesamba sokuhlengwa kanye nenkokhelo yenkokhelo.
Isinyathelo sesi-2: Thola inani lokuhwebelana lemoto yakho. Thola isilinganiso senani lokuhwebelana kwemoto yakho kuwebhusayithi ye-Kelley Blue Book.
Faka ngokunembile imininingwane yemoto yakho ngamapharamitha alungile nemayela elinembile. Iwebhusayithi izokhiqiza inani elilinganisiwe ngokusekelwe kumodeli, unyaka, imayela kanye nesimo semoto.
Phrinta imiphumela bese uhamba nayo uma uya endaweni edayisayo.
Isinyathelo sesi-3. Khuluma nomthengisi noma umphathi. Cacisa mayelana nenhloso yakho yokuqasha imoto yakho endaweni edayisayo futhi uthole imoto ngaphandle kokubolekwa imali.
Isinyathelo sesi-4: Yenza imoto yakho ihlolwe ngumphathi wezokuthengisa. Uma uletha imoto yakho endaweni ofuna ukudayisa kuyo imoto yakho, umphathi wezentengiso uzolinganisela inani lemoto yakho.
- Imisebenzi: Okwamanje, kufanele uzame ukuxoxisana ngentengo engcono kakhulu yemoto yakho. Kufanele usebenzise ukuphrinta kwe-Kelley Blue Book yakho ukuze usekele isikhundla sakho enanini lemoto.
Umehluko phakathi kwevelu elinganiselwe yemoto yakho kanye nesamba senani lakho lemali ebolekiwe yokukhokha imele ukulingana okufanele ukusebenzise kwenye imoto.
Isibonelo, uma inani lenkokhelo yemalimboleko yakho lingu-$5,000 futhi imoto yakho ibiza u-$14,000, ungase ubheke imoto ebiza u-$9,000 okuhlanganisa izintela nezinkokhelo.
Isinyathelo sesi-5: Khetha imoto. Khetha imoto ongathanda ukuyishintsha.
Izinketho zakho cishe zizokhawulelwa, futhi kungase kudingeke ukhethe imoto endala ngeminyaka embalwa noma enamamayela aphakeme.
Isinyathelo sesi-6: Gcwalisa amaphepha. Gcwalisa amaphepha nomthengisi ukuze wenze ukuthengiswa kwemoto yakho kube ngokusemthethweni.
Esivumelwaneni sakho sokuthenga, umthengisi uzokhokha imali oyibolekiwe futhi akuthathele imoto yakho ukuyohwebelana, futhi uzothola imoto yakho entsha mahhala.
Ngokulandela noma iyiphi yalezi zindlela ezingenhla, ungazikhulula ekukhokheleni okwengeziwe ngemalimboleko yemoto yakho. Uma ufuna ukwenza isiqiniseko sokuthi imoto yakho inenani eliphezulu ngesikhathi sokuthengisa noma ukuhwebelana, ungenza imoto yakho ihlolwe umakhenikha oqinisekisiwe we-AvtoTachki. Bangeza kuwe ukuze baqinisekise ukuthi konke ukunakekelwa kwemoto yakho kuqediwe nokuthi imoto ihamba kahle kumnikazi wayo omusha lapho idayiswa noma idayiswa.
