Ungayithola kanjani imali mboleko yemoto uma unesikweletu esibi

Amaphutha ambalwa ezezimali angathinta kakhulu amaphuzu akho esikweletu, futhi ukulungisa isikweletu esibi kunzima kakhulu kunokusithola.

Uma unesikweletu esibi, ungalahli ithemba uma kufika isikhathi sokuthenga imoto entsha noma esetshenziswe kancane. Ngokulungiselela kahle nangesu, nalabo abanezikweletu ezimbi bangathola imali mboleko yemoto.

Ngaphambi kokufaka isicelo semali mboleko yezimoto, kufanele ube nombono wokuthi ungabheka kanjani ephepheni phambi kwababolekisi nabangase babe ngababolekisi. Kubalulekile ukuthi uzethule ngendlela engcono kakhulu ukuze ucatshangelwe ukubolekwa imali. Ukuze uthole imiphumela ehamba phambili namazinga enzalo esikhathi eside, hlela ukuchitha kufika ezinyangeni eziyisithupha ulungiselela futhi ulandele lezi zinyathelo ukuze wenze umbono omuhle wokuqala:

Indlela 1 koku-1: Ukuthenga Imoto Ngesikweletu Esibi

Isinyathelo 1: Thola umbiko wakho wesikweletu. Oda imibiko yakho yezikweletu kwa-Equifax, Experian kanye neTransunion. Lawa ama-ejensi amakhulu abika ngezikweletu futhi amaphuzu akho esikweletu ekugcineni anqunywa yilokho anakho efayilini mayelana nemikhuba yakho yezezimali.

Khumbula ukuthi imibiko ingahluka phakathi kwama-ejensi.

• ImisebenziIMP: Unelungelo lombiko owodwa wamahhala unyaka ngamunye; ngaphandle kwalokho, uzodinga ukukhokha imali encane.

Isinyathelo sesi-2: Zama ukuthuthukisa isikolo sakho sekhredithi. Hlola ukuthi yini ongayilungisa emibikweni yakho yezikweletu ukuze uthuthukise isikolo sakho.

Khokha noma uxoxisane ngezinkokhelo nganoma yini ongakwazi ukuyiphatha ngokunengqondo. Uma kukhona amaphutha, bhala ingxabano. Uma kusebenza, cabanga ukuhlanganisa izinto ezifana nemali mboleko yabafundi.

Isinyathelo sesi-3. Engeza umlando omuhle wesikweletu emibikweni yakho.. Ngokuvamile imibiko yezikweletu ayibonisi umlando wakho omuhle wokukhokha, onganikezi abangaba ababolekisi isithombe esiphelele semikhuba yakho yezezimali. Nokho, ezimweni eziningi kungenzeka ukwengeza isikweletu sakho esihle, nakuba kubiza kancane.

Isinyathelo sesi-4: Qala ukudala imali mboleko entsha. Faka isicelo sekhadi lesikweletu elivikelekile, okuyikhadi osuvele ukhokhe ngalo ibhalansi.

Futhi qaphela ukuthi ukuba nemephu akwenzi lutho ngemibiko yakho; kufanele uyisebenzise futhi ukhokhe izikweletu zakho ngesikhathi ukuze uthole umsebenzi omuhle ukuze ubonise amaphuzu akho esikweletu.

Isinyathelo sesi-5: Qoqa Amadokhumenti. Qoqa noma imaphi amadokhumenti angeyona ingxenye yomlando wakho wesikweletu somphakathi, njengezikweletu zezinsiza noma ama-afidavithi aqinisekisiwe avela kubantu ngabanye, ukuze ubonise ukuthi ukhokha izikweletu zakho ngesikhathi.

Ababolekisi bangaqinisekisa ngokwenza imali ebolekiwe ukuze bafake okufakiwe okungeyona ingxenye yombiko wakho wesikweletu futhi bazokhuthazeka kakhulu ukuthatha lesi sinyathelo lapho uzama ngokusobala ukwakha kabusha umlando wakho wesikweletu futhi unamakhono amahle okuhlela.

Isinyathelo sesi-6: Faka isicelo semali mboleko yasebhange. Okokuqala thintana nebhange ukuze uthole imali ebolekiwe. Usuvele unobudlelwano nesikhungo, ngakho-ke lokhu ukubheja kwakho okuhle kakhulu ukuze uthole imvume yemalimboleko.

Amabhange futhi athambekele ekunikezeni amanani enzalo angcono, okwenza kube lula ngawe ukukhokha imali oyibolekiwe yemoto esikhathini esizayo.

Isinyathelo sesi-7: Xhumana nenkampani yakho yomshwalense ukuze uthole imali ebolekiwe. Uma ibhange lakho lenqaba isicelo sakho sokubolekwa imali, xhumana nenkampani yakho yomshwalense ukuze uthole ukuthi izinsiza zemalimboleko zifakiwe yini kuphakheji yazo yezinsizakalo.

Njengebhange lakho, inkampani yakho yomshwalense isivele inawe njengekhasimende futhi maningi amathuba okuthi ivume imali oyibolekile.

Isinyathelo sesi-8: Faka isicelo semali mboleko yemoto. Njengesinyathelo sokugcina, xhumana nomdayisi othengisa imoto ofuna ukuyithenga. Abadayisi bezimoto bavame ukukhokhisa inzalo ephezulu, okusho ukuthi uzokhokha kakhulu ngokuhamba kwesikhathi, nakuba begunyaza ukubolekwa kwezimoto ngokukhululeka kunamabhange.

Isinyathelo sesi-9: Qhathanisa zonke izinketho zemalimboleko bese ukhetha eyodwa. Bheka umtitilizo ongcono kakhulu futhi ungamukeli ngokuzenzakalelayo imali-mboleko yokuqala onikezwa yona.

Funda yonke into ngokuphrinta kahle futhi uqiniseke ukuthi uyiqonda ngokugcwele imigomo. Kala izinketho zakho futhi ube neqiniso kuwena mayelana nokuthi ungakhokha malini nokuthi ufuna ukukhokha isikhathi esingakanani.

Zibophezele emalini ebolekiwe kuphela ngemva kokuhlola ukuthi iyiphi imali ebolekiwe efanele izidingo zakho.

• Ukuvimbela: Qaphela imali ebolekiwe imigomo yayo ingagcini. Ezimweni ezinjalo, izinkokhelo zakho zanyanga zonke zingase zinyuswe ngokuzayo.

Isinyathelo se-10: Qinisekisa ukukhokha ngesikhathi semali mboleko. Uma usuthole imali oyibolekile kanye nezikhiye zemoto yakho entsha, yenza izinkokhelo zakho ngesikhathi ukuze uqhubeke nokuthola isikweletu esibi. Ngale ndlela, ngesikhathi esilandelayo lapho ufuna ukuthenga imoto, inqubo iyashesha futhi ibushelelezi.

• ImisebenziIMP: Khumbula ukuthi ngemva kokukhokha imali ebolekiwe yemoto isikhathi esingangonyaka, ungase ukwazi ukuphinda uxhase ngemali enenzalo ephansi.

Nakuba ukulungiselela isikweletu semoto esibi kungase kube nzima, kuyafaneleka ngokuhamba kwesikhathi. Umlando wakho omubi wezikweletu awuhloselwe ukuthi uhlale unomphela, futhi ngemva kweminyaka embalwa yomzamo ohlangene wokuwulungisa, ngeke usachazwa ngamaphutha akho ezezimali adlule. Lokhu kuzokusiza ukuthi uthenge izinto ezinkulu njengezinye izimoto ngisho nezindlu esikhathini esizayo.

Ngokushesha nje lapho uthenga imoto entsha, unezibopho ezintsha ezidlula izinkokhelo zanyanga zonke. Ngokuzayo, uzoba nezidingo zesondlo futhi mhlawumbe nokulungisa.

Uma unemibuzo mayelana nendlela yokunakekela imoto entsha noma ukuyinakekela, oda izinsizakalo zikamakhenikha onolwazi e-AvtoTachki. Ungakwazi futhi ukuthi omakhenikha bethu bahlole ukuphepha emotweni yakho entsha noma bahlole kusengaphambili ukudayiswa emotweni esetshenzisiwe ohlela ukuyithenga.