Uyithenga kanjani imoto uma ungenabo ubufakazi bemali engenayo
Okuqukethwe
Uma ufaka isicelo semali mboleko yezimoto, ababolekisi abaningi badinga ubufakazi bemali engenayo. Uma ungakwazi ukunikeza lobu bufakazi ngenxa yokuthi awusebenzi noma uyazisebenza, izinketho zakho zilinganiselwe. Nokho, kusengenzeka…
Uma ufaka isicelo semali mboleko yezimoto, ababolekisi abaningi badinga ubufakazi bemali engenayo. Uma ungakwazi ukunikeza lobu bufakazi ngenxa yokuthi awusebenzi noma uyazisebenza, izinketho zakho zilinganiselwe. Nokho, usengakwazi ukuthenga imoto ngisho noma ungenabo ubufakazi bemali engenayo uma ulandela izinyathelo ezithile eziqondile.
Indlela 1 kwezi-5: Inkokhelo yemali
Ezintweni ezitholakalayo zokuthenga imoto ngaphandle kobufakazi bemali engenayo, ukukhokha ngokheshi kulula kakhulu. Esikhundleni sokubheka umabolekisi ozimisele ukukhokha bese enikeza idiphozithi noma indlela ethile yokuqinisekisa umabolekisi ukuthi unamandla okukhokha, umane uthenge imoto ngokushesha. Yebo, kusafanele usayine wonke amaphepha adingekayo futhi ukhokhe izintela emotweni, kodwa ingxenye enkulu, uma usukhokhele imoto, ingeyakho.
Isinyathelo 1: Yonga imali. Ingxenye enkulu yokukhokha ngokheshi ukonga imali yakho. Indlela elula yokonga imali ukufaka imali eyabelwe ukuthenga imoto ku-akhawunti yokulondoloza.
Isinyathelo sesi-2: Yiya kumdayisi. Uma usunemali eyanele, hamba uye endaweni edayisa izimoto noma kumuntu ozimele futhi uthembise ukuthenga imoto.
Qiniseka ukuthi uqedela zonke ezinye izinyathelo ezidingekayo lapho uthenga imoto, okuhlanganisa ukuhlola umlando wemoto, ukuthatha imoto iyohlolwa, nokuthi ihlolwe umakhenikha.
Isinyathelo 3: Bhala isheke. Lapho konke sekunelisiwe, bhalela umdayisi noma umuntu isheke ukuze ukhokhe zonke izindleko zemoto.
Ngemuva kwalokho udinga ukusayina wonke amadokhumenti adingekayo bese udlulisela ubunikazi bemoto egameni lakho.
Indlela yesi-2 kwezi-5: Bheka imali ebolekiwe ngaphandle kobufakazi bemali engenayo
Ababolekisi abaningi bayatholakala ukuze bakuxhase ngezimali ukuthenga kwakho imoto, kuhlanganise nalabo abangaphandle kwedolobha lakho noma isifunda. Ungathola ababolekisi abaningi ku-inthanethi, okukunikeza izinketho eziningi zokuthola imali.
Isinyathelo 1: Thola imalimboleko yemoto ku-inthanethi. Bheka ababolekisi abahloniphekile abanesilinganiso esihle seBusiness Business Bureau.
Isinyathelo sesi-2: Hlola Izinhlobo Ezihlukene Zemalimboleko. Bheka imikhiqizo ehlukene yemalimboleko kumasayithi afana ne-AutoLoans ukuze ubone ukuthi yimiphi evumelana nezimo futhi ayidingi ubufakazi bemali engenayo. Zivame ukubizwa ngokuthi "imalimboleko ngaphandle kobufakazi bemali engenayo."
Isinyathelo sesi-3: Faka isicelo ku-inthanethi. Faka isicelo usebenzisa noma yimaphi amathuluzi aku-inthanethi ahlinzekwa ngumbolekisi. Eminye yemibhalo edingwa ababolekisi esikhundleni sobufakazi bemali engenayo ihlanganisa:
- Amakhophi ezimbuyiselo zentela zeminyaka emibili edlule
- Ilayisense yokushayela esebenzayo
- Inombolo yakho yezokuphepha komphakathi
- ubufakazi bomshwalense
- Ikhophi yesitatimende sasebhange sakamuva esivela ku-akhawunti yamanje.
Indlela yesi-3 kwezi-5: Yonga ukuze uthole inkokhelo enkulu
Ababolekisi abanemibandela evumelana nezimo ngokuvamile badinga ukuthi ube nenkokhelo ethe xaxa. Lokhu kunciphisa ingcuphe yabo yokuthi ngeke ukwazi ukukhokha imali ebolekiwe. Ngokungeziwe ekusebenziseni ukuhwebelana, unganikeza ukheshi njengenkokhelo ephansi.
Isinyathelo 1: Khokha kakhulu ngemali. Nikeza ngephesenti lenkokhelo ephansi eliphakeme ngemali, njengo-10% noma u-20%. Lokhu kunikeza umbolekisi imali eningi ayibeka phambili ekubolekeni, futhi kusho ukuthi kufanele ukhokhe kancane, okwenza kube lula ukuthi ukhokhe.
Isinyathelo sesi-2: Bheka ithegi yenani elingaphansi kuka-$10,000.. Bheka imoto eshibhile noma imoto esetshenzisiwe engaphansi kuka-$10,000.
Ukwenza lokhu, ungavakashela amawebhusayithi amaningi okuthengisa izimoto ku-inthanethi, noma amasayithi afana ne-cars.com noma i-auto.com.
Uma ukhetha uhlobo lwemoto olufunayo, khetha intengo ephezulu engu-$10,000. Lokhu kusetha kungasebenza kahle ngoba kufanele ukhokhe kancane, okwenza kube mancane amathuba okuthi uzohluleka ukukhokha imali ebolekiwe.
Isinyathelo sesi-3: Yamukela inani lenzalo eliphezulu. Zilungiselele ukwamukela inzalo ephezulu noma isikhathi semalimboleko esifushane.
- UkunakwaIMPENDULO: Imali mboleko enenani lenzalo ephezulu isho imbuyiselo enkulu ekutshalweni kwezimali komboleki wemali mboleko.
Imali mboleko yesikhashana isho ukuthi kufanele uyikhokhe ngokushesha.
Indlela yesi-4 kwezi-5: ukusebenzisa isibambiso
Ababolekisi abaningi bacela ama-pay stubs ukufakazela umholo wakho. Ezimweni ezinjalo, ungakwazi ukunikeza idiphozi ngesimo sezinto ezifanele eduze noma ezingaphezu kwenani lemoto ofuna ukuyithenga.
Isinyathelo 1: Lungiselela idiphozithi yakho. Ukuze usebenzise isibambiso, udinga kuqala ubonise ubunikazi bezinye izimpahla ongazisebenzisa njengesibambiso. Izinto ongazisebenzisa njengesibambiso zihlanganisa:
- Izihloko zezimoto
- Ukuthengiselana kwezindlu
- Izitatimende ze-akhawunti yemali
- Amarisidi emishini nemishini
- Imibiko yokutshalwa kwezimali
- Izinqubomgomo zomshwalense
- Izinto eziyigugu neziqoqwayo
Noma yiziphi izinkokhelo zesikhathi esizayo ezivela kumakhasimende akho uma unebhizinisi
ImisebenziIMP: Uma ungenawo umsebenzi kodwa ungakwazi ukukhokha imali ebolekiwe ngezinye izindlela, njengezinkokhelo zesondlo noma zokukhubazeka, udinga futhi ukuthi uqinisekise la madokhumenti. Ngokuvamile kuyasiza ukuba nezinyanga ezimbalwa zokukhokha imoto ebhange noma i-akhawunti yokonga enebhalansi enkulu.
Uma uhlela ukusebenzisa ingxenye yendawo noma enye imoto njengesibambiso, umbolekisi uzothatha isikweletu. Lokhu kunikeza umebolekisi ilungelo lokugcina impahla yakho uma uhluleka ukuboleka imali.
- UkuvimbelaIMP: Khumbula ukuthi, ngaphansi komthetho wenhlangano, unezinsuku ezifika kwezintathu zokukhansela imali ebolekiwe ngaphandle kwenhlawulo. Lapho ukhansela imali ebolekiwe, khumbula ukuthi izinsuku zebhizinisi zihlanganisa iMigqibelo, hhayi amaSonto noma amaholide omphakathi.
Indlela yesi-5 kwezi-5: Thola isiqiniseko
Isiqinisekiso singenye indlela yokuthola imali ebolekiwe ngaphandle kobufakazi bemali engenayo. Kodwa qiniseka ukuthi uyayikhokha noma iyiphi imali oyibolekiwe onesiqinisekiso sayo, noma bazoba nesibopho salokho okukweletayo ngesikweletu.
Isinyathelo 1: Thola isiqiniseko esinomthwalo wemfanelo. Cela ilungu lomndeni ukuthi lisayine nawe imali ebolekiwe yemoto. Qinisekisa ukuthi banobufakazi bemali engenayo futhi bazimisele ukuba ngabaqinisekisi. I-guarantor ngumuntu onesibopho sokuboleka imali yakho uma ngesizathu esithile ungakhokhi.
Qiniseka ukuthi umxhasi wakho uyazi ngezibopho zabo. Abanye abanikezeli besiqinisekiso bangase bangazi ukuthi bazoba nesibopho semali oyibolekile uma ungakhokhi ngesikhathi.
Isinyathelo 2: Thola umbolekisi. Thola umbolekisi ozimisele ukwamukela isiqiniseko njengokuphela komthombo wemali mboleko yakho. Khumbula ukuthi umbolekisi uzohlola ukufaneleka kwesikweletu somnikezeli, ngakho thola umuntu onekhredithi enhle ukuze akusayinele.
Ukuthola umbolekisi ozokunikeza isikweletu semoto uma ungenabo ubufakazi bemali engenayo kungase kubonakale kungenakwenzeka, kodwa ngenhlanhla unezinketho ezimbalwa ongabuyela kuzo. Lezi zindlela zokubuyela emuva zihlanganisa ukuthola isiqiniseko, ukusebenzisa isibambiso, ukukhokha inkokhelo ephansi, noma ukukhokhela imoto ngaphambili. Khumbula ukuhlola imoto ngaphambi kokuthenga.
