Indlela yokubolekwa imoto ngosuku olufanayo

Lesi akusona isimo esikahle, kodwa ungase udinge uxhaso lwemoto ngokushesha. Lokhu kungase kube ngenxa yokuthi:

• Uyitholile imoto yamaphupho akho
• Imoto yakho iphukile futhi idinga ukushintshwa ngokushesha
• Kwadingeka uthengise imoto yakho ukuze ukhokhe isikweletu sakho
• Usanda kuqala umsebenzi ongeke wafinyelelwa ngezithuthi zomphakathi.

Ukuthenga imoto kuyacindezela kukodwa, kodwa uma ucindezelwa isikhathi kuba nzima nakakhulu. Ukuthola imali mboleko yemoto noma imali mboleko yemoto ngezinye izikhathi kungathatha izinsuku noma ngisho nangaphezulu ukuze ugunyazwe uhlobo lwemoto oyifunayo, futhi ngezinye izikhathi awukwazi ukulinda isikhathi eside kangako.

Abahlinzeki abaningi bemali mboleko, abathengisi bezimoto ezisetshenzisiwe, ngisho nabanye abathengisi bezimoto abane-franchise banikeza imali mboleko yemoto yosuku olufanayo kubathengi. Uma unekhredithi enhle, izinketho zakho zingcono kakhulu. Uma isikweletu sakho singesihle ngendlela obungaba ngayo, ungase ukhawulelwe, kodwa ngokuvamile usengayithola imali mboleko yemoto ngalolo suku.

Indlela 1 kwezi-2: Thola imalimboleko yemoto ngosuku olufanayo uma unomlando omuhle wesikweletu.

Isithombe: I-Credit Karma

Ngaphambi kokunquma ukuthi iyiphi indlela ekulungele, udinga ukwazi isikolo sakho sesikweletu. Noma ngabe ujahe ukuya endaweni edayisayo, kuwukuhlakanipha ukuthatha imizuzu embalwa ukuhlola isikolo sakho sesikweletu ngaphambi kokusuka ekhaya. Ungayithola ku-inthanethi ngokushesha kumasayithi afana ne-Credit Karma.

Uma unesikweletu esihle, uyikhasimende elamukelekile lababolekisi, kungaba ngebhange, umdayisi wezimoto noma enye imali ebolekiwe yemoto. Uzokwazi ukuthola uxhaso lwemali yemoto ngalo lolo suku ngaphandle kwezinkinga uma uneholo lokusekela isikweletu.

Izinto ezidingekayo

• Umazisi womuntu (ngokuvamile i-ID yesithombe nolunye uhlobo lokuzihlonza)
• Ukuqinisekiswa kwemali engenayo

Isinyathelo 1: Thola okunikezwayo okuncintisanayo kubabolekisi. Uyalawula ngoba uyithemba elihle. Ungesabi ukwazisa ababolekisi ukuthi ufuna ukunikezwa kwezimali okungcono kakhulu.

Qoqa amaphromoshini ahehayo angu-5-7 noma okunikezwayo okuvela kubabolekisi, uphawule ukuthi yiziphi ezinezilinganiso zokubuyisela ezingcono kakhulu nokuthi yiziphi izinzuzo zokusebenzisa amasevisi abo. Yehlisa uhlu lwakho lube kwabathathu abaphezulu bese ubaklelisa.

Xhumana nababolekisi abathathu abahamba phambili futhi uqhathanise okunikezwayo kwabo ukuze uthole imigomo engcono kakhulu yemalimboleko.

Isinyathelo sesi-2: Gcwalisa isicelo semalimboleko. Nikeza ulwazi oluningi ngangokunokwenzeka ukuze usekele isicelo sakho.

Yiba neqiniso futhi ube neqiniso, njengoba ulwazi olungamanga lungase lubangele ukuthi isicelo sakho sinqatshwe futhi simakwe yi-credit bureau.

Isinyathelo sesi-3: Nikeza umazisi. Nikeza ikhophi ye-ID yakho, ngokuvamile ilayisense yokushayela, nobunye ubufakazi bobunikazi obufana nekhadi lesikweletu, isitifiketi sokuzalwa, noma ipasipoti.

Akudingekile ukuthi unikeze inombolo yakho Yokuvikeleka Komphakathi, nakuba ukuyifaka esicelweni sakho kungase kusheshise ukucutshungulwa kwesicelo sakho.

Gwema ukugcwalisa izicelo zemali mboleko eziningi noma nini lapho kunokwenzeka. Ukuvakasha kaningi ku-credit bureau kungaphakamisa amafulegi afana nokuntshontshwa kobunikazi obungaba khona, kukhawulele isikweletu sakho noma kwehlise amaphuzu akho esikweletu.

Isithombe: Bankrate

Uma ususiqedile isicelo sakho semalimboleko, uzothola ukugunyazwa ngokushesha uma umlando wakho wesikweletu muhle futhi ukwazi ukukhokha ngokuhambisana ne-Debt to Service Ratio (DSCR), eyaziwa nangokuthi “I-Debt-Coverage Ratio”, i.e. isilinganiso semali okufanele ukhokhe izikweletu zakho.

Isibonelo, uma ukhokha u-$1500 ngenyanga ukuze uthenge indlu, u-$100 ngenyanga ngesikweletu semoto, kanye no-$400 ngenyanga ngezinye izikweletu, inkokhelo yakho yesikweletu yanyanga zonke izoba ngu-$2000. Uma isamba semali engenayo yanyanga zonke singama-$6000, isilinganiso sakho sesikweletu somholo singama-33%.

Isinyathelo sesi-4: Thatha imali mboleko yemoto. Funda ngokucophelela imigomo yesivumelwano sakho semalimboleko. Uma engahambisani nalokho othenjiswe kona, ungayisayini inkontileka.

Uma umbolekisi engahlangabezani nenani elithenjisiwe noma imigomo, hamba kwenye indawo futhi ugcwalise isicelo esisha.

Indlela yesi-2 kwezi-2: Thola imali mboleko yezimoto ngosuku olufanayo uma unomlando omubi wesikweletu.

Izinto ezidingekayo

• Ulwazi lwebhange
• Imali yokuqala
• Umazisi (i-ID yesithombe nolunye uhlobo olulodwa lokuhlonza)
• Ukuqinisekiswa kwemali engenayo

Uma isikweletu sakho singaphansi kwalokhu okufunayo, kungase kube lula ukuthola imali mboleko yemoto yosuku olufanayo, kodwa imigomo yakho yokukhokha izohluka. Uma unesikweletu esibi noma ungenaso isikweletu, ababolekisi bakubuka njengengcuphe ephezulu yokuhluleka ukukhokha imoto yakho. Ngokuyisisekelo, awukazibonakalisa ufanelwe yizilinganiso zenzalo ephansi kanye nezinketho zokuncintisana zokukhokha.

Izimali mboleko zosuku olufanayo zingaba isinyathelo sakho sokuqala sokwakha noma ukulungisa amaphuzu akho esikweletu uma umbolekisi ebika isikweletu sakho kuma-credit bureaus. Ngokuvamile, ababolekisi bemalimboleko yosuku olufanayo abadingi isheke lesikweletu, kodwa basazodinga ubufakazi bokuthi ungubani.

Izimalimboleko zosuku olufanayo zivame ukunikezwa umdayisi noma umbolekisi ephuma ephaketheni, esebenza njengebhange lakhe. Ungalindela ukuthi izinga lakho lenzalo libe phezulu futhi isikhathi sakho sokukhokha sibe sifushane kunomuntu onekhredithi enhle. Lena indlela yokuthi umebolekisi abuyise ngokushesha ingxenye yemalimboleko yakhe enobungozi obukhulu uma kwenzeka iphutha.

Isinyathelo 1: Zithengise kubabolekisi. Bheka abathengisi abahloniphekile noma ababolekisi abanebhizinisi elaziwayo nelisunguliwe. Bheka amanani angcono kakhulu ezimweni ezimbi noma ukungabikho kwekhredithi.

Khuluma nabakweletwayo ukuhlola amanzi. Zizwe uma becabanga ukuthi uzothola uxhaso.

Isinyathelo sesi-2: Yazi imigomo ozoyithola. Inzalo yakho izoba phezulu kakhulu kunezinga eliphansi elikhangisiwe abanalo.

Inkokhelo yakho cishe izokwelula lokho okhululekile ukukukhokha nyanga zonke.

Isinyathelo sesi-3: Gcwalisa isicelo. Sicela ugcwalise ifomu ngokuphelele nangokwethembeka. Ulwazi lwakho lomuntu siqu kanye nemali engenayo cishe kuzoqinisekiswa ngaphambi kokuba ubolekwe imali.

Yazisa umbolekisi uma ufuna izinkokhelo zakho zidonswe ngokuzenzekelayo ku-akhawunti yakho yasebhange futhi umnikeze ulwazi lwakho lwasebhange ukuze ubonise ukuthi uzimisele ngempela.

Uma ufuna ukuthi imali ikhishwe ngokuzenzakalelayo, kuyasiza ekwehliseni ingcuphe yokuhluleka ukukhokha imali ebolekiwe yemoto. Ungase uthole nenani lenzalo elingcono ngoba usiza ukunciphisa ubungozi bakho.

Yazisa umabolekisi uma unenkokhelo ephansi. Lokhu kuzokusiza ukuthi uthole imalimboleko uma unenkokhelo ephansi emotweni yakho.

Nikeza ubufakazi bokuthi ungubani kanye nobufakazi bemali engenayo.

Isinyathelo sesi-4: Thola imalimboleko yemoto. Uma izimo zivumelana nawe futhi ukwazi ukukhokha inani elidingekayo, bhalisela ukuboleka imali. Ngaphambi kokuthi usayine amadokhumenti, funda imigomo yenkontileka.

Uma imigomo ihlukile kuleyo oyitsheliwe, ungawasayini amaphepha kuze kube yilapho ecaca.

Unenketho yokuphendukela komunye umbolekisi, ngakho ungalungiseleli lutho ngoba unomuzwa wokuthi ayikho enye indlela ongakhetha ngayo.

Uma udinga ukuxhaswa ngezimali kosuku olufanayo lwemoto ofuna ukuyithenga, kuwumqondo omuhle ukuza endaweni edayisayo uzilungiselele ngangokunokwenzeka. Thola amaphuzu akho esikweletu ngaphambi kokuthi uhambe ekhaya ukuze wazi ukuthi iyiphi indlela okufanele uyithathe lapho ufika. Uma unomlando omuhle wezikweletu, usesimweni esingcono kunalapho bekukubi, kodwa ungalokothi ungabaze ukwenqaba isivumelwano esizizwa singalungile kuwe.