Indlela yokunquma inkokhelo ephansi yemoto

Uma uthenga imoto entsha noma eke yasetshenziswa, kuvame ukudingeka ukuthi ukhokhe ingxenye yezindleko zemoto ngaphambili uma uyixhasa ngezimali. Kungakhathaliseki ukuthi ukhetha uxhaso lwezimali lwangaphakathi endaweni ethengisa izinto noma uzifunela umbolekisi ngokwakho,…

Uma uthenga imoto entsha noma eke yasetshenziswa, kuvame ukudingeka ukuthi ukhokhe ingxenye yezindleko zemoto ngaphambili uma uyixhasa ngezimali. Kungakhathaliseki ukuthi ukhetha ukuxhasa ngemali endlini endaweni edayisayo noma uzifunele umbolekisi, ngokuvamile kudingeka inkokhelo ephansi.

Ingxenye 1 kwezi-5: Nquma ukuthi uzokuxhasa kanjani ukuthenga imoto yakho

Unezinketho ezimbalwa zokufinyelela uxhaso ukuze uthenge imoto entsha noma esetshenzisiwe. Ngaphambi kokufaka isicelo sezimali, uzofuna ukuqhathanisa amanani enzalo nemibandela yemalimboleko.

Isinyathelo 1: Khetha umbolekisi. Hlola ama-ejensi ahlukahlukene emalimboleko atholakalayo. Ezinye zazo zihlanganisa:

• Ibhange noma inyunyana yezikweletu. Khuluma nomabolekisi ebhange lakho noma inyunyana yezikweletu. Thola ukuthi ungathola yini amanani akhethekile njengelungu. Ngaphandle kwalokho, ungabheka amanye amabhange endawo kanye nezinyunyana zezikweletu ukuze ubone ukuthi zingakunikeza ini.

• Inkampani yezezimali eku-inthanethi. Ungathola futhi inani lababolekisi ku-inthanethi ukuze uthole imali yokuthenga imoto yakho, njenge-MyAutoLoan.com ne-CarsDirect.com. Qiniseka ukuthi uhlola ukubuyekezwa kwamakhasimende ukuze unqume ukuthi ikuphi ukuzizwisa abanye abaye baba nakho ngenkampani.

• Ukuthengisa. Abathengisi abaningi basebenza nezikhungo zezimali zasendaweni ukuze basize abangaba abathengi baqinisekise uxhaso lwezimali. Qaphela izinkokhelo ezengeziwe ngendlela yezindleko uma usebenzisa uxhaso lwezimali zomthengisi, njengoba zengeza kuzo zonke izindleko zemoto.

• ImisebenziIMP: Cabangela ukugunyazwa kusengaphambili ngezimali zemoto ngaphambi kokufuna imoto. Lokhu kuzokwazisa ukuthi unelungelo elingakanani futhi kukuvimbele ukuthi udlule kubhajethi.

Isinyathelo sesi-2. Qhathanisa amanani nezimo. Qhathanisa amanani nemigomo enikezwa ngumbolekisi ngamunye.

Qiniseka ukuthi azikho izinkokhelo ezifihliwe noma amanye amaqhinga asetshenziswa ababolekisi, njengenkokhelo yesikhathi esisodwa ekupheleni kwesikhathi semalimboleko.

Isinyathelo sesi-3: Yenza uhlu lwezinketho. Ungakwazi futhi ukudala ishadi noma uhlu nge-APR, isikhathi semalimboleko, nezinkokhelo zanyanga zonke zazo zonke izinketho zakho zezimali ukuze ukwazi ukuziqhathanisa kalula bese ukhetha okungcono kakhulu.

Kufanele futhi ufake noma iyiphi intela yokuthengisa enqunywa isimo ohlala kuso njengengxenye yenani eliphelele.

Ingxenye 2 kwezi-5: Cela inkokhelo edingekayo

Uma usukhethile umbolekisi, kufanele ufake isicelo sokubolekwa. Lapho usugunyaziwe, uzokwazi kahle ukuthi ingakanani inkokhelo ephansi edingekayo.

Isinyathelo 1: Nquma inkokhelo yakho ephansi. Inkokhelo ephansi ngokuvamile iyiphesenti lesamba sezindleko zemoto ethengwayo futhi ingase ihluke kuye ngeminyaka nemodeli yemoto, kanye nesikolo sakho sesikweletu.

• ImisebenziIMP: Kuyanconywa ukunquma isikolo sakho sesikweletu ngaphambi kokuxhumana nomabolekisi. Ngale ndlela uzokwazi ukuthi yiliphi izinga lenzalo ofanele ukulithola nokuthi ingakanani inkokhelo okufanele uyenze.

Ingxenye 3 kwezi-5: Thola ukuthi unemali engakanani

Lapho kunqunywa inani lenkokhelo ephansi, izici ezithile kufanele zicatshangelwe. Okuphawuleka kakhulu kulokhu ukuthi uhlela ukuhwebelana ngemoto, kodwa futhi kufaka phakathi inani lemali onayo ku-akhawunti yakho yasebhange, isibonelo. Ukunciphisa izindleko zezinkokhelo zakho zanyanga zonke kungenye into ecatshangwayo uma ucabanga ukuthi wonge malini.

• Imisebenzi: Uma usebenzisa into yokuhwebelana, khumbula ukulinda inani lokugcina lemoto ngaphambi kokuba uyinikeze. Uma kungenjalo, uma uthenga kumthengisi futhi umazisa kusenesikhathi, angase angeze izindleko ezengeziwe ukuze abuyisele ukulahlekelwa kwevelu ekuhwebeni.

Isinyathelo 1: Thola inani lemoto yakho yamanje. Bala inani lemoto yakho yamanje, uma unayo. Leli nani lizoba ngaphansi kwentengo yokuthengisa. Bheka ethi What's My Car Worth ye-Kelley Blue Book ebala amanani entengo yezimoto ezintsha nezike zasetshenziswa ngokuhlukana nezintengo zeBlue Book zezimoto ezintsha nezike zasetshenziswa.

Isinyathelo sesi-2: Bala Izimali Zakho. Thola ukuthi yimalini onayo ekongeni noma kwamanye ama-akhawunti okukhokha kancane. Cabangela ukuthi kungakanani ofuna ukukusebenzisa.

Ngisho noma umbolekisi wakho edinga u-10% kuphela, ungakwazi ukukhokha u-20% ukuze uqiniseke ukuthi ukweleta imali engaphansi kwenani lemoto.

Isinyathelo 3. Bala izinkokhelo zakho zanyanga zonke.. Thola ukuthi yimalini okufanele uyikhokhe inyanga ngayinye. Ukwenyusa inkokhelo yakho kuzokwehlisa izinkokhelo zakho zanyanga zonke. Amasayithi afana ne-Bankrate anezibali ezisebenziseka kalula ze-inthanethi.

• UkunakwaIMP: Ukwenyusa inkokhelo yakho ephansi kwehlisa imali yakho yonke, okusho ukuthi izindleko zezimali eziphansi kuwe ngokuhamba kwesikhathi.

Ingxenye 4 kwezingu-5: Nquma ukuthi iyiphi imoto ozoyithenga futhi ngentengo

Manje njengoba usuyazi ibhajethi yakho nokuthi ungakanani imali ongakwazi ukuyikhipha ngaphambili, sekuyisikhathi sokuthenga imoto. Uma uthole ukugunyazwa kwangaphambilini kwenani lemalimboleko, wazi kahle ukuthi yimalini ongakwazi ukuyikhokhela.

Isinyathelo 1: Khetha ukuthi ufuna ukuthenga okusha noma okusetshenzisiwe. Nquma ukuthi uthenga imoto entsha noma eke yasetshenziswa nokuthi iyiphi imodeli oyifunayo.

Abathengisi bavame ukuba nenani eliphezulu lamaphesenti ngonyaka emotweni esetshenzisiwe ngenxa yezinga eliphezulu lokwehla kwentengo yemoto entsha. Ngokungaziwa okuningi okuhlotshaniswa nemoto esetshenzisiwe, kuhlanganise nezinkinga zemishini ezingalindelekile ngenxa yeminyaka yemoto, izinga lenzalo ephakeme liqinisekisa ukuthi umbolekisi usayenza imali ngokuthenga imoto esetshenzisiwe.

Isinyathelo sesi-2: Qhathanisa ama-dealship. Qhathanisa abathengisi ukuze unqume inani lemodeli oyifunayo. U-Edmunds unekhasi lezinga lomthengisi eliwusizo.

Isinyathelo sesi-3: Cabangela Okungeziwe. Faka noma yikuphi okungeziwe emotweni entsha ngentengo. Ezinye izinketho namaphakheji afakiwe, kuyilapho amanye angangezwa ngezindleko ezengeziwe.

Isinyathelo sesi-4: Xoxisana ngentengo. Xoxisana ngentengo nomthengisi ukuze wonge imali. Lokhu kulula ukukwenza ngemoto esetshenzisiwe, njengoba ungasebenzisa noma yiziphi izinkinga zemishini ukuze uzuze ngokuzama ukuxoxisana ngentengo ephansi.

Ingxenye yesi-5 koku-5: Bala iphesenti elidingekayo ukuze uthole inkokhelo ephansi

Uma usunentengo, bala iphesenti elidingwa umbolekisi omkhethile ukuze uthole inkokhelo ephansi. Iphesenti lesamba sezindleko okufanele uzikhokhe njengenkokhelo ephansi lincike kakhulu ekutheni uthenga imoto entsha noma esetshenzisiwe. Ukuhweba kwakho kuphinde kuthinte ukuthi yimalini okufanele uyifake futhi ingasebenza njengenkokhelo ephansi uma kufaneleka ngokwanele noma uma inani lemoto ofuna ukuyithenga liphansi ngokwanele.

Isinyathelo 1: Bala inkokhelo ephansi. Emotweni esetshenzisiwe, isilinganiso sokukhokha sicishe sibe ngu-10%.

Ukufakwa kwe-GAP (umehluko phakathi kwevelu yemoto kanye nebhalansi okufanele ikhokhelwe yona), kuyilapho kubiza noma yikuphi ukusuka emakhulwini ambalwa amadola ukuya ezinkulungwaneni zamaRandi, kufanele kunikeze okwanele ukwenza umehluko phakathi kwalokho okukweletayo nalokho okunikezwa inkampani yakho yomshwalense. uma imoto ivuka ekuseni.

Uma usesimweni sokuthola imoto entsha, inkokhelo ephansi engu-10% cishe ayanele ukukunikeza imali oyidingayo ukuze ukhokhele yonke imali oyibolekile. Ngenhlanhla, ungathola imbuyiselo yemoto entsha uma imoto yakho entsha yonakala noma yebiwa phakathi neminyaka emibili yokuqala yobunikazi.

Ukuze ubale inkokhelo ephansi oyidingayo, phinda inani eliphelele ngephesenti elidingwa ngumbolekisi ukhiphe izindleko zanoma iyiphi into onayo ukuze uthole inani odinga ukulifaka.

Isibonelo, uma utshelwa ukuthi udinga inkokhelo ephansi engu-10% futhi uthenga imoto ebiza u-$20,000, inkokhelo yakho ephansi izoba ngu-$2,000-500. Uma inani lemoto yakho yamanje lingu-$1,500, uzodinga imali engu-$XNUMX. Ungathola isibali senkokhelo ephansi esizeni esifana ne-Bankrate esikwazisa ukuthi ukhokha malini ngenyanga ngokusekelwe enanini oyifakile, izinga lenzalo, nesikhathi semalimboleko.

Kubaluleke kakhulu ukuthola imoto oyifunayo ngentengo evumelana nesabelomali sakho. Lapho uthenga imoto entsha noma esetshenzisiwe, kufanele ugcine inani liphansi ngangokunokwenzeka. Futhi, thola ukubaluleka kwento ohweba ngayo ngokuvakashela amawebhusayithi ku-inthanethi. Uma kunesidingo, cela omunye womakhenika bethu abanolwazi ukuthi ahlole imoto ngaphambi kokuthenga ukuze abone ukuthi kukhona yini okudingeka kulungiswe emotweni yakho okuzonyusa inani layo.