Ungalithola kanjani inani elingcono kakhulu lemalimboleko yemoto

Ngokuvamile, ngeke ube nenkokhelo ephelele uma kufika isikhathi sokuthenga imoto. Izikweletu zemoto zikhona ukuze zikusize uthenge imoto usebenzisa izimali ezibolekwe ngomugqa wesikweletu noma webhange. Ungathola imalimboleko yemoto kungakhathaliseki ukuthi uthenga imoto entsha endaweni ethengisa izimoto, imoto endaweni yemoto esetshenzisiwe, noma imoto eke yasetshenziswa ngokudayiswa kwangasese.

Nakuba kungase kube lula ukumane wamukele noma yimiphi imigomo yezezimali eyethulwa kuwe kuqala ngenxa yokuthi ujabulile ngemoto yakho entsha, ungonga imali eningi uma uqhathanisa inzalo yemalimboleko yemoto kanye nemibandela yokukhokha. Futhi kulabo abanomlando omubi wesikweletu noma cha, kuyasiza ukwazi izinketho zakho zokuboleka.

Ingxenye 1 kwezi-4: Setha ibhajethi yezinkokhelo zemboleko yemoto yakho.

Uma uthenga imoto, udinga ukwazi zisuka nje ukuthi yimalini ongayisebenzisa emotweni.

Isinyathelo 1: Thola ukuthi yimalini okufanele uyikhokhele imoto.. Naka zonke ezinye izibopho zakho zezezimali, okuhlanganisa izinkokhelo zerenti noma indlu, isikweletu sekhadi lesikweletu, izikweletu zefoni kanye nezikweletu zezinsiza.

Umbolekisi wakho angakwazi ukubala isilinganiso sakho sesevisi yesikweletu esiphelele ukuze anqume ukuthi ingakanani imali engenayo ongayifaka ekukhokheni imoto.

Isinyathelo sesi-2: Khetha ishejuli yokukhokha. Nquma ukuthi uyafuna yini ukukhokhela imali mboleko yemoto yakho masonto onke, biweekly, isemi-annual noma nyanga zonke.

Abanye ababolekisi bangase banganikeli ngazo zonke izinketho.

• Imisebenzi: Uma unezinye izinkokhelo zezikweletu ezihlelelwe usuku lokuqala lwenyanga ngayinye, ungase uthande ukucabangela ukukhokha imoto yakho ngomhla ka-15 wenyanga ngayinye ukuze ube nezimo zezezimali.

Isinyathelo sesi-3: Thola ukuthi singakanani isikhathi ozimisele ukukhokhela imoto entsha.. Abanye ababolekisi banikeza izinketho zokuthenga imoto entsha noma eke yasetshenziswa isikhathi esingafika eminyakeni eyisikhombisa noma eyisishiyagalombili.

Uma ukhetha isikhathi eside, uzokhokha inzalo eyengeziwe ngokuhamba kwesikhathi—ngokwesibonelo, ungase ufanelekele ukubolekwa imali engenayo inzalo ngesikhathi seminyaka emithathu, kodwa ihlandla leminyaka eyisithupha noma eyisikhombisa lingase libe. kube ngu-4%.

Ingxenye 2 kwezi-4: Thola inketho yokuxhasa ngezimali imoto yakho entsha

Uma uthenga imoto entsha endaweni ethengisa izinto, unomhlaba wamathuba uma kuziwa ezindlekweni zokuthola imali. Ukuthola indlela yakho ngengxube akumele kudide.

Isinyathelo 1: Thola mayelana nezinketho zakho zokukhokha. Cela eminye imigomo yokukhokha kumdayisi wakho noma umenzeli wezezimali.

Uzonikezwa inketho eyodwa noma ezimbili zemibandela yokukhokha imali mboleko yemoto, kodwa lezi zinketho zingahle zingazuzisi kakhulu isimo sakho.

Cela imigomo emide nezinye izinhlelo zokukhokha.

Isinyathelo sesi-2: Cela izaphulelo nezaphulelo. Buza ngezaphulelo zemali kanye namazinga emalimboleko angaxhasiwe.

Izimali ezibolekiwe zezimoto ezintsha zivame ukuba nezinga lenzalo yomxhaso, okusho ukuthi umenzi usebenzisa umbolekisi ukuze anikeze amanani enzalo aphansi kunalawo anganikezwa amabhange amaningi, ngisho naphansi ngendlela engu-0%.

Abakhiqizi abaningi—ikakhulukazi njengoba kusondela ukuphela konyaka oyimodeli—banikeza amakhasimende imali enkulu yokukhuthaza ukubakhuthaza ukuthi bathenge imikhiqizo yabo.

Ukuhlanganisa isaphulelo sikakheshi nesilinganiso senzalo esingaxhaswanga kungakunikeza inketho yokukhokha engcono nenani elincane lenzalo elikhokhiwe.

Isithombe: Biz Calcs

Isinyathelo sesi-3: Thola izindleko ezigcwele zemoto yakho entsha. Buza mayelana nesamba semali ekhokhelwe ubude bethemu ngayinye oyicabangayo.

Abathengisi abaningi bayangabaza ukukubonisa lolu lwazi ngoba intengo yokuthenga enenzalo iphezulu kakhulu kunentengo yesitikha.

Qhathanisa inani eliphelele elikhokhelwe ithemu ngayinye. Uma ukwazi ukukhokha, khetha isikhathi esinikeza inani eliphansi lesamba lokukhokha.

Isinyathelo sesi-4: Cabangela Ukusebenzisa Umbolekisi Ngaphandle Kwe-Auto Dealer. Abathengisi bezimoto ngokuvamile basebenzisa ababolekisi abanamanani amahle, kodwa ngokuvamile ungathola amanani angcono ngaphandle komthengisi, ikakhulukazi ngomugqa wesikweletu.

Sebenzisa izinga eliphansi olitholile esikhungweni sakho esibolekisayo esihlanganiswe nesaphulelo semali esivela kumdayisi njengenketho engase ibe nemibandela yokukhokha engcono kakhulu iyonke.

Ingxenye 3 kwezi-4: Thola Isilinganiso Senzalo Esingcono Kakhulu Sokuthenga Imoto Esetshenzisiwe

Ukuthengwa kwezimoto ezisetshenzisiwe akufanelekile ukuthola amanani ancishisiwe ekhredithi yomkhiqizi. Imvamisa, amanani entengo yemoto esetshenzisiwe angaba phezulu kunamazinga amasha emali yemoto, kanye nemibandela yokukhokha emifushane, ngoba amele ukutshalwa kwezimali okuyingozi kancane kombolekisi wakho. Ungathola inani lenzalo elingcono kakhulu lokuthenga imoto esetshenzisiwe, noma uthenga kumthengisi wezimoto noma njengendali yangasese.

Isinyathelo 1: Thola ukugunyazwa kusengaphambili yisikhungo sakho sezezimali ukuze uthole imali ebolekiwe yemoto. Thola ukugunyazwa kusengaphambili ngaphambi kokungena esivumelwaneni sokuthenga imoto esetshenzisiwe.

Uma ugunyazwe kusengaphambili, ungakwazi ukuxoxisana ngokuzethemba ukuze uthole inani elingcono kwenye indawo, wazi ukuthi ungakwazi njalo ukubuyela enanini lakho lemalimboleko eligunyazwe kusengaphambili.

Isinyathelo sesi-2: Thenga ngenzalo engcono kakhulu. Hlola ababolekisi basendaweni namabhange akhangisa imali mboleko enenzalo ephansi.

Ungasifaki isicelo sokubolekwa imali ngaphandle uma imigomo yemalimboleko yamukelekile futhi ingcono kunesigunyazo sakho sokuqala semalimboleko.

• Imisebenzi: Thenga imali mboleko enenzalo ephansi kuphela ezikhungweni ezibolekisayo ezaziwayo nezinedumela elihle. I-Wells Fargo kanye ne-CarMax Auto Finance yizinketho ezinhle zokubolekwa kwezimoto ezithembekile ezisetshenzisiwe.

Isinyathelo 3: Qeda inkontileka yokuthengisa. Uma uthenga imoto ngendali yangasese, thola imali mboleko ngesikhungo esinenzalo engcono kakhulu.

Uma uthenga ngomdayisi wezimoto, qhathanisa amanani abangakunikeza wona kanye nenzalo osuvele uyitholile kwenye indawo.

Khetha inketho enezinkokhelo eziphansi kanye nenani eliphansi lesamba lokukhokha imali mboleko.

Ingxenye yesi-4 kwezi-4: Thola Izinketho Ngokwezifiso Zokubolekwa Kwezimoto

Uma ungazange ube nekhadi lesikweletu noma imalimboleko ngaphambilini, uzodinga ukuqala ukwakha isikweletu sakho ngaphambi kokuthi uthole inani lenzalo eliyinhloko elinikezwayo. Uma unesikweletu esibi ngenxa yokuqothuka, ukukhokha sekwephuzile, noma ukudliwa, uthathwa njengekhasimende elisengozini enkulu futhi ngeke uthole amanani aphambili.

Ngenxa yokuthi awukwazi ukuthola izilinganiso zenzalo eziyinhloko akusho ukuthi awukwazi ukuthola amanani enzalo ancintisanayo ekuthengeni kwakho imoto. Ungathintana nababolekisi abambalwa ukuze uthole imigomo engcono kakhulu yesimo sakho.

Isinyathelo 1: Faka isicelo semalimboleko yemoto esikhungweni sakho sezimali esiyinhloko.. Kuhle kakhulu ukuqala ngombolekisi owazi umlando wakho, noma unomkhawulo noma unephutha.

Thola ukugunyazwa kusengaphambili wazi ukuthi izinga lakho lenzalo lizoba phezulu kakhulu kunezilinganiso zabo ezikhangisiwe.

Isinyathelo sesi-2: Thola mayelana nabanye ababolekisi abangajwayelekile..

• Ukunakwa: I-Non-Prime isho ikhasimende elisengozini enkulu noma ikhasimende elingabhalisiwe elibeka engcupheni enkulu yokungakhokhi imali ebolekiwe. Izilinganiso zokuboleka eziyinhloko ziyatholakala kulabo abanomlando oqinisekisiwe wokukhokha okungaguquguquki nangesikhathi abangabhekwa njengengcuphe yokuhluleka ukukhokha izinkokhelo zabo.

Sesha ku-inthanethi "imalimboleko yemoto yosuku olufanayo" noma "imalimboleko yemoto yesikweletu embi" endaweni yakini futhi ubone imiphumela ephezulu.

Thola futhi uxhumane nababolekisi ngamanani angcono kakhulu noma ugcwalise isicelo sokugunyazwa kusengaphambili ku-inthanethi.

Uma isilinganiso esicashuniwe singcono kunesigunyazo sakho sangaphambilini futhi ufanelekela ukubolekwa imali, faka isicelo.

• Imisebenzi: Gwema ukuhambisa izicelo eziningi zokubolekwa imoto. Uhlelo lokusebenza ngalunye luhlola isikolo sakho sekhredithi nge-credit bureau efana ne-Experian, futhi izingoma eziningi esikhathini esifushane zingaphakamisa amafulege abomvu azophumela ekubeni isicelo sakho senqatshwe.

Sebenzisa kuphela kubabolekisi abangcono kakhulu obuza kubo.

Isinyathelo sesi-3: Hlola umdayisi wakho wezimoto ukuze uthole uxhaso lwezimali lwangaphakathi.. Uma uthenga imoto kumthengisi, ungakwazi ukukhokhela imali mboleko yemoto ngokwakho kunokusebenzisa umabolekisi.

Kulolu hlobo lokukhokha imali mboleko, umthengisi usebenza njengebhange labo. Lokhu kungase kube inketho yakho kuphela uma wenqatshelwe ukubolekwa imoto yonke indawo.

Ukuthenga isikweletu semoto akuyona ingxenye ejabulisa kakhulu yokuthenga imoto, kodwa kubalulekile ukuqiniseka ukuthi awuyikhokhi imali eyengeziwe kunesidingo. Ukwenza ucwaningo nokuzilungiselela kungakusiza ukuthi uthole inketho engcono kakhulu yokubuyisela futhi kungakusiza wenze inkokhelo encane ekuthengeni imoto yakho, kugqugquzele umbolekisi ukuthi asebenze kanzima nakakhulu nawe.