Indlela yokuthola i-guarantor yemali mboleko yemoto
Kungakhathaliseki ukuthi usaqala umsebenzi wakho noma amaphuzu akho esikweletu sehle ngaphansi kwamazinga amukelekayo, ukuthola imali mboleko yezinto ezinkulu njengemoto noma ikhaya kungase kubonakale kungenakwenzeka.
Izinkampani azifuni ukudayisa imikhiqizo yazo kubantu abangakwazi ukuzikhokhela. Njengoba amaphuzu akho esikweletu kuyisilinganiso sokuthi wethembeke kangakanani ekwenzeni izinkokhelo, ungase uzithole usesimweni esinzima lapho ufaka isicelo semali mboleko enesikweletu esibi.
Enye indlela yokuthola amaphuzu amabi esikweletu ukuthi othile asayine nawe imali ebolekiwe.
Umnikezeli wesiqinisekiso uthatha umthwalo omningi, kodwa ezimweni eziningi kuyadingeka ukuthi umbolekisi avale isivumelwano nawe. Uma ungakwazi ukukhokha imali ebolekiwe, isiqiniseko sizokhokhiswa inani eliphelele futhi kulindeleke ukuthi akukhokhele.
Ingxenye 1 koku-1: Thola isiqiniseko semalimboleko yemoto yakho
Isinyathelo 1: Nquma ukuthi imalimboleko evikelekile ikulungele yini. Njengomthetho ojwayelekile, kufanele uthenge kuphela futhi/noma uxhase ngezimali lokho ongakwazi ukukukhokhela. Uma ukwazi ukukhokhela imoto ethile, ungakwazi ukuyikhokhela ngaphandle kwe-guarantor.
Nazi ezinye izinto okufanele uzikhumbule ngaphambi kokuthatha imali ebolekiwe kumnikezeli wesikweletu:
Thenga imoto esetshenzisiweIMPENDULO: Ungakwazi ukuthenga imoto eshibhile esetshenzisiwe uma ukwazi ukuthenga imoto entsha. Ngemoto esetshenzisiwe, inani alehli kakhulu ngokusetshenziswa, ngakho-ke mancane amathuba okuthi uzokweleta okungaphezu kokufanele ukubolekwa imoto.
Thatha isikhathi sokwakha isikweletu esihle: Ukuhlehlisa ukuthenga imoto uma kungenzeka futhi uzinike isikhathi sokwakha umlando omuhle wezikweletu. Uma isikolo sakho sesivele siphansi, khuluma nomeluleki wezezimali mayelana nokuthi ungasibuyisela kanjani isikolo sakho.
Isikweletu esibi, nakuba singelona iphutha lomuntu ngaso sonke isikhathi, siyinkomba yokungabi nasibopho sezimali. Cabanga ukuthi ukuthenga imoto kuwumqondo omuhle yini uma ubheka izimali zakho zamanje.
Yenza izinkokhelo ezijwayelekile ukuze wakhe isikweletu: Uma ungenaso isikweletu esiningi kodwa usadinga imoto ethembekile, thenga imoto eshibhile enamamayela aphansi. Isibambiso singadingeka, kodwa inqobo nje uma kwenziwa izinkokhelo ezivamile, leli yithuba elihle lokwakha isikweletu esihle.
Thola imalimboleko ngemibandela engafanele: Kwezinye izimo, abantu abanamaphuzu esikweletu amaphakathi bathola ukugunyazwa imali mboleko enemibandela engemihle noma inzalo ephezulu. Ezimweni ezinjalo, umnikezeli wesiqinisekiso angase acabange ngokunengqondo ukuthi izinkokhelo zizokwenziwa ngoba umuntu ubevele ehlela inkokhelo yemalimboleko yanyanga zonke.
Isinyathelo sesi-2: Lungiselela ukufaka isicelo semalimboleko. Qoqa ulwazi oludingayo ukuze ufake isicelo sokubolekwa imali kuqala.
Sebenzisa isevisi eku-inthanethi oyikhethile ukuze uthole amaphuzu akho esikweletu futhi ubone ukuthi usisebenzisa kuphi leso sikolo.
Amaphuzu angaphansi kuka-700 azokwenza kube nzima ukuxoxisana ngemibandela emihle, futhi amaphuzu angaphansi kuka-350 azokwenza kucishe kungenzeki ukubolekwa imali.
Bala iholo lakho lanyanga zonke kanye nezindleko. Ngokusebenzisa lokhu, kufanele ukwazi ukubala ukuthi ingakanani imali ongayibekela eceleni inyanga ngayinye ukuze ukhokhele imali oyibolekile.
Thola amamodeli ezimoto amaningana ahlukene azoholela ezinkokhelweni ezisebangeni ongakwazi ukulikhokhela. Lokhu kuzokonga isikhathi namandla uma usendalini ufuna imoto.
Isinyathelo sesi-3: Thola isiqiniseko. Nakuba lokhu kungase kubonakale njengesinye sezinyathelo ezilula kule nqubo, kubalulekile ukuthi wehlise ijubane futhi ufunde ngempela zonke izinombolo ezihilelekile ngaphambi kokwenza isinqumo sokugcina nesiqiniseko sakho.
Ungakwazi yini ukukhokhela lezi zinkokhelo ngokuhamba kwesikhathi? Uma usemncane, ungase uphuthelwe amathuba esikhathini esizayo ngoba awukwazi ukuncishiselwa amaholo noma uyeke umsebenzi wakho ukuze uye esikoleni ngaphandle kokukhokha imali oyibolekile.
Cabanga ngemali esetshenziswe njengesamba esikhulu. Ake sithi $15,000. Kuzokuthatha isikhathi esingakanani ukuthi uqale manje ukuze uthole imali engaka? Manje engeza kulokho ukuthi inzalo izokhula ngokuhamba kwesikhathi.
Cabanga ukuthi kwenzekani uma ungasakwazi ukukhokha imali oyibolekiwe futhi isiqiniseko kufanele sithathe izinkokhelo. Kuyobathinta kanjani? Bazokwazi yini ukukhokha yonke imali ngokwabo?
Abantu osondelene nabo imvamisa yibona abagcina sebesayina nawe imali ebolekiwe, ngakho-ke kungaba nengozi enkulu kunomphumela omubi wesikweletu uma imali mboleko ingakhokhelwa. Ukungezwani okungathi sína kanye nedrama yomndeni kwaphakama ngenxa yokusayinwa ngokuhlanganyela kwemali mboleko.
Hlala phansi ukhulume nesiqiniseko bese ubeka isabelomali esingeke sisebenzele wena kuphela, kodwa nesabelomali sabo uma kwenzeka begcina sebethatha izinkokhelo. Lokhu kungase kunciphise imali okufanele uyisebenzise emotweni, kodwa kungcono kunokusayina isivumelwano sokubolekwa kwezilwane.
Isinyathelo sesi-4: Thola Ibanga Lakho Lamanani. Khetha imoto esebangeni lakho lentengo uma intela ifakiwe enanini. Bheka isamba semali ebolekiwe bese ucabanga ukuthi lezo zindleko ezengeziwe zingaba njani nyanga zonke.
Uma izindleko zakho zingu-$900 ngenyanga futhi uhola u-$1,600 ngenyanga, khona-ke ukukhokha u-$300 wemoto kungase kukuphoqe ukuthi ukhethe phakathi kwempilo yomphakathi esebenzayo kanye ne-akhawunti yokonga.
Umsebenzi wakho kufanele uzinze ngokwanele ukuze ukhokhe le mali kuze kube yilapho imoto isikhokha ngokugcwele. Kulula ukushintsha imisebenzi noma imisebenzi eminyakeni emine noma emihlanu, ngakho gcina lokho engqondweni lapho ucabanga ukuboleka imali.
Uma wena nowakho okuqinisekisayo senivumelene ngemali okufanele ikhokhwe kanye nemibandela yokubolekwa imali, sayinani amaphepha bese ningena emgwaqeni!
Ungase udinge usizo lwe-guarantor ukuze ufanelekele ukubolekwa imali edingekayo. Kubaluleke kakhulu ukuphatha i-akhawunti yakho esayinwe ngokuhlanganyela ngokuhlakanipha. Qiniseka ukuthi ukhokha nyanga zonke njengoba kuvunyelwene.
Khumbula ukuthi isiqiniseko sakho sikwenzela umusa omkhulu, futhi uma usasele ngemuva ezinkokhelweni, ukubambezeleka kuzobonakala embikweni wesikweletu somnikezeli wakho wesikweletu kanye nowakho.
