Ungayithenga kanjani imoto ngemuva kokufaka isicelo sokuqothuka

Kunezizathu eziningi ezenza abantu bafake isicelo sokuqothuka, kodwa esimweni ngasinye, ukufaneleka komfakisicelo kuhlupheka kakhulu, okwenza kube nzima ukuxhasa ngezimali ukuthenga okukhulu. Ngakolunye uhlangothi, ukuthola umbolekisi wemalimboleko yemoto akunakwenzeka, futhi kwezinye izimo kungase kube lula kunalokho ongakulindela.

Noma ngabe yisiphi isimo sakho sokuqothuka, kungahamba ibanga elide ekulungiseni umonakalo owenziwe esikweletini sakho; futhi, kuye ngokufayilwa (kungaba isahluko 7 noma isahluko 13), kunolwazi oluningi mayelana nokuba semthethweni kwento ngayinye. Ukwazi amalungelo akho kuzo zonke izimo kuyisihluthulelo sakho kokubili ukugwema ukulimala okwengeziwe emlandweni wakho wesikweletu kanye nokuthola idili elingcono kakhulu ekuthengeni imoto yakho.

Imithetho yokuqothuka iyahlukahluka kuye kwesinye futhi kubalulekile ukwazi ukuthi yimiphi imithetho esebenza kuhulumeni ofaka kuwo. Nokho, kubalulekile ukuqonda izinga eligcwele lesimo sakho sezezimali ukuze ukwazi ukuthenga imoto ekufanele ngaphansi kwezimo ezingcono kakhulu isimo sakho esikunikezayo.

Ingxenye 1 kwezi-2: Qiniseka ukuthi Uyasiqonda Isimo Sakho Sokuqothuka

Isinyathelo 1. Thola uhlobo lokuqothuka olufayele kanye nezibopho zakho. Ungathathi noma yiziphi izinyathelo eziya ekuthengeni imoto uze wazi ukuthi yiluphi uhlobo lokuqothuka olufayele futhi uqonde izibopho zakho kumabolekisi ukuze ucabangele izinketho zakho ezingcono kakhulu ngaphambi kokuthenga.

• Imisebenzi: Ungase ufune ukubonisana nesikhulu semalimboleko noma umhleli wezezimali ukuze akusize uqonde kangcono isimo sakho sezezimali nesesikweletu ekuqaleni kokuqothuka kwakho, kanye nosizo ngokuhlela kwesikhathi esizayo nokubeka imigomo.

Isinyathelo sesi-2: Wazi amalungelo akho ngaphansi kwesahluko 7 noma isahluko 13 semithetho yokuqothuka kwesifunda sakho.. Isici esiyinhloko esinqumayo ukuthi yisiphi isahluko sokuqothuka osithumelela sona izinga lakho lemali engenayo.

Isimo sakho sincike futhi ekutheni ukweleta ini abakweletayo nokuthi hlobo luni nokuthi unempahla engakanani.

Ezimweni eziningi zokuqothuka kweSahluko 7, zonke izimpahla zakho ezingasetshenzisiwe zizoqedwa ukuze usize ukukhokha isikweletu sakho esisilele.

Izimpahla ezingakhululiwe zihlanganisa izinto ezingabalulekile onazo ezingabiza okuthile, okuhlanganisa ubucwebe nezimpahla zokugqoka ezibizayo, izinsimbi zomculo, izinto zasendlini, imali esetshenziswayo, kanye nanoma yiziphi izimoto ezengeziwe ngaphandle kwalezo abakweletwayo abakubona zidingeka kuwe.

Ngaphansi kwesahluko 7 noma 13, uma unemoto eyamukelekayo, cishe uzokwazi ukuyigcina. Kodwa ngokwesahluko 7, uma unemoto yohlobo oluphambili ungaphoqeleka ukuthi uyidayise, uthenge imoto eshibhile, bese usebenzisa enye imali ukuze ukhokhe izikweletu zakho.

Isinyathelo sesi-3: Sebenzela ukuthuthukisa umlando wakho wesikweletu.. Thatha izinyathelo zokwakha kabusha isikweletu sakho ngokuthola ikhadi lesikweletu elilodwa noma amabili avikelekile. Gcina amabhalansi akho ngaphansi komugqa wakho wesikweletu futhi njalo ukhokha ngesikhathi.

Ikhredithi yakho izolimala isikhathi eside ngaphansi kwanoma yisiphi isahluko sokuqothuka, futhi ngezinye izikhathi kuthatha iminyaka efinyelela kweyishumi ukululama ngokugcwele.

Nokho, ungase uphinde uthole ikhono lakho lokuxhasa ngezimali ukuthenga okuthile ngemva kwesikhathi esithile, ngezinye izikhathi phakathi nezinyanga ezimbalwa ngaphansi kwesahluko 7 futhi ngokuvamile phakathi neminyaka embalwa ngaphansi kwesahluko 13.

• ImisebenziIMP: Cabangela ukusetha izinkokhelo ezizenzakalelayo zamakhadi avikelekile, uma kuvunyelwe inkampani yekhadi lakho lesikweletu, ukuze ungaphuthelwa ngephutha umnqamulajuqu wokukhokha.

Ingxenye 2 kwezingu-2: Ukuthenga imoto lapho ucwile khona

Isinyathelo 1. Thola ukuthi uyayidinga ngempela yini imoto. Isimo sakho sokuqothuka sizodinga ukuthi wenze izinqumo eziningi ezinzima zezimali, futhi ubuyekeze incazelo yakho yokuthi "ngiyadinga" nokuthi "ngifuna" kungaba umsebenzi obalulekile nobalulekile.

Uma uhlala endaweni lapho izinto zokuhamba zomphakathi ziyindlela enengqondo, noma uma unabantu ongasebenza nabo, kungase kungafaneleki ukuthatha isikweletu semoto esisha ngenkathi ucwile.

Isinyathelo sesi-2: Thola impumuzo yokuqothuka uma ukwazi. Uma unquma ukuthi udinga ukuthenga imoto, linda uze ufake isicelo sokuqothuka.

Ukuqothuka kweSahluko sesi-7 kuvame ukuxazulula phakathi nezinyanga ezimbalwa, okungenzeka ngemva kwalokho ukwazi ukuthola imali mboleko yemoto.

Ngaphansi kweSahluko 13, kungathatha iminyaka ngaphambi kokuthi uthole usizo lokuqothuka. Kungase kubonakale kusabisa, kodwa ungathola isikweletu esisha ngaphansi kweSahluko 13 sokuqothuka.

Hlala ukhuluma nomphathiswa wakho mayelana nezinhlelo zakho zokuthenga ngoba umphathiswa kungase kudingeke agunyaze izinhlelo zakho enkantolo futhi athole amaphepha adingekayo emalimboleko ngaphambi kokuthi uqhubekele phambili.

Isinyathelo sesi-3: Cabangela ngokugcwele izindleko zezimali ezihlobene nokuthenga imoto.. Uma ungakwazi ukuthenga isikweletu esisha ngokuqothuka, inzalo yakho ingase ifike ku-20%. Qiniseka ukuthi ungakwazi ukukhokhela imoto okhetha ukuyikhokhela.

• ImisebenziIMP: Uma ungalinda iminyaka embalwa ukuze uthathe isikweletu esisha, lokhu kungaba ukubheja kwakho okuhle kakhulu. Njengoba umlando wakho wesikweletu uthuthuka, uzonikezwa imigomo engcono yokukhokha.

Noma ngabe yisiphi isimo ozithola ukuso, ungaboleki kubabolekisi boklebe abafuna ukukunika imali ngosuku olulandela ukuthi uthole isitatimende sakho eposini. Ungakholelwa ukumaketha okukhohlisayo okungokomzwelo okuthi, "Siyasiqonda isimo sakho futhi silapha ukuze sikusize ubuyele ezinyaweni zakho."

Laba babolekisi bakwethembisa noma yini ngenani lenzalo engu-20%, futhi ngezinye izikhathi babambisana nabathengisi "abancanyelwayo" abangathengisa izimoto eziwushukela ngamanani aphezulu.

Kunalokho, thintana nababolekisi bezikweletu abangalungile abanikezwa abathengisi abahloniphekile endaweni yakini. Hlala njalo ubhekile ikhwalithi yanoma iyiphi imoto oyithengayo futhi ulungele ukukhokha inzalo ephezulu.

Isinyathelo sesi-4: Bheka amanani aphansi. Yenza ucwaningo oluningi ngangokunokwenzeka ngezimoto ezisetshenziswa kakhulu ngamanani aphansi. Ngezinye izikhathi izimoto ezihamba phambili azizona ezinhle kakhulu, ngakho ungakhathazeki ngobuhle.

Cabanga ngezimoto ezinokwethenjelwa kakhulu ezinezibuyekezo ezinhle kakhulu futhi zinethegi yentengo ehloniphekile. Ungazama ukucwaninga izimoto ezisetshenzisiwe kumawebhusayithi athembekile njenge-Edmunds.com kanye ne-Consumer Reports.

• Ukuvimbela: Uma uthola imali ebolekiwe, zilungiselele ukwenza inkokhelo enkulu futhi ube nenzalo ephezulu kakhulu esondela ku-20%. Ngenkathi ufuna imoto elungile, ungasebenzisa lesi sikhathi ukuze uqale ukulondolozela inkokhelo ephansi.

Isinyathelo sesi-5: Uma kungenzeka, thenga imoto ngemali. Uma ngandlela thize ungakwazi ukuvikela enye yemali yakho ekuthathweni ngemva kokufaka isicelo sokuqothuka, cabanga ukuthenga imoto ngokheshi.

Ama-akhawunti akho asebhange cishe azoqedwa ngokuphelele, kodwa imithetho iyahlukahluka kuye kwelinye izwe, njengoba kwenza izimo zokuqothuka kwakho. Imithetho yokuqedwa kwempahla esahlukweni 7 iqinile kunaleyo esesahlukweni 13.

Kunoma ikuphi, uzodinga ukuthola imoto eshibhile esetshenzisiwe esebenza kahle enamamayela aphansi uma kuqhathaniswa. Khumbula ukuthi uma ungumnikazi wemoto ethathwa “njengeyokunethezeka”, inkantolo ingakuphoqa ukuthi uyidayise ukuze ukhokhe izikweletu zakho.

• ImisebenziIMP: Uma ungakasifaki isicelo sokuqothuka, cabanga ukuthenga imoto ngokheshi ngaphambi kokufaka isicelo sokuqothuka. Kodwa ngisho nakulokhu, kufanele uthenge imoto ngentengo efanelekile.

Isinyathelo sesi-6: Qiniseka ukuthi umbiko wakho wesikweletu awunakho ukuhoxiswa kwemali. Sula noma yikuphi ukuhoxiswa kwemali onakho kwirekhodi lakho ngaphambi kokubonisana nombolekisi, uma kukhona. Ezimweni eziningi, ababolekisi bakhathalela kakhulu ukubuyisela impahla esikhundleni sokuqothuka.

Ukuthathwa kabusha kubatshela ukuthi lowo muntu akakwazanga noma wakhetha ukungazikhokhi. Ngakolunye uhlangothi, abantu abafaka izicelo zokuthi baqoelwe imali kwakungenzeka ukuthi bakhokhe ngesikhathi kodwa babhekana nenkinga enkulu yezimali eyabaphoqa ukuba babe sesimeni esifanayo.

Ukuphucwa umhlaba kulula ukukuthola embikweni wakho wesikweletu ngenxa yenani lamaphepha kanye nobufakazi obudingekayo ukuze kuhlale kumbiko. Uma ingakwazi ukuqinisekiswa ngokugcwele, ngakho-ke ngokomthetho kufanele isuswe.

Uma uphikisana ngokusemthethweni nerekhodi lokudliwa futhi, uba sethubeni elihle lokuthi lisuswe embikweni wakho wesikweletu ngoba inkampani eyale ukuphucwa kwempahla ingase ingaphenduli esicelweni sombolekisi sokuqinisekiswa noma ingase ingabi nawo wonke amadokhumenti. Noma iyiphi indlela, uyawina.

Isinyathelo sesi-7: Gcina Umlando Wakho Wokushayela Uhlanzekile. Ababolekisi abaningi bazokwenza isheke eligcwele langemuva kumlando wakho obhaliwe ngoba uyingozi kakhulu kunabanye ababoleki.

Ukwenza lokhu, bazokhipha amarekhodi akho okushayela ukuze babasize banqume ukuthi kufanele bakuboleke yini. Uma benganqumile, ulwazi lwakho lokushayela lungabasiza ukuthi benze isinqumo ngokuqinisekile. Uma unolwazi oluhle lokushayela, maningi amathuba okuthi isikweletu sakho sigunyazwe ngoba imoto iyisibambiso semalimboleko.

Uma unamaphuzu kurekhodi lakho, thola ukuthi uyafaneleka yini ukuya esikoleni sokushayela ukuze uwasuse.

Isinyathelo sesi-8: Qala usesho lwakho lombolekisi ongcono kakhulu isimo sakho esingakunikeza. Sesha ku-inthanethi, ezikhangisweni zasendaweni, bese ubuza abangani nomndeni wakho.

Uzoba nezinketho eziningi zabathengisi (igama eliyisihluthulelo lapha lithi "abadayisi" hhayi isikhangiso "sababolekisi bezikweletu ababi" osithole eposini ngosuku okhishwe ngalo) abasebenza ngezikweletu ezimbi kanye nokuxhaswa ngezimali kokuqothuka.

Cacisa kakhulu futhi uthembeke ngemibandela yokuqothuka kwakho, njengoba kwezinye izimo kungenzeka ukuthi ivunywe.

• ImisebenziIMPENDULO: Kungaba yisu elihle ukuqala ezikhungweni ezibolekisa ngemali oke wabhekana nazo phambilini nalapho wawunomlando omuhle khona. Kwesinye isikhathi ukuba nesiqiniseko (ilungu lomndeni noma umngane) kungenza inqubo ibe lula, kodwa futhi kubenza babophezeleke ngokomthetho esikweletini sakho uma kwenzeka ungakwazi ukukhokha.

Isinyathelo 9: Bheka izaphulelo kubakhi bezimoto. Izaphulelo ezihamba phambili azikhangiswa kakhulu; kodwa uma ushayela umthengisi futhi ubuze ukuthi yiziphi izaphulelo ezingcono kakhulu ezitholakalayo, kufanele bajabule ukukusiza.

Ungase ufune ukusebenzisa isaphulelo phezu kwemali oyibekele inkokhelo ephansi, ngoba inkokhelo ephansi ephezulu yenza izinto ezimbili: ikwenza ungabi yingozi kakhulu kumabolekisi, futhi ingehlisa izinkokhelo zakho zanyanga zonke.

• Imisebenzi: Isikhathi esihle kakhulu sokubheka izaphulelo ukuphela konyaka wemodeli (Septhemba-November), lapho abakhiqizi nabathengisi befuna ukulahla amamodeli amadala ukuze benze indawo entsha.

Kungakhathaliseki ukuthi isimo sakho sokuqothuka singaba yini, kungase kungabi yize njengoba ungase ucabange. Zama njalo ukuhlala unethemba ngangokunokwenzeka. Kunezindlela ongasebenzisa ngazo ithuba lokuthenga imoto, ubuyisele imali oyibolekile, futhi uthuthukise isimo sakho sezezimali ngokuhamba kwesikhathi. Ukukhuthala nokubekezela kubalulekile, njengokuthola ulwazi oluningi ngangokunokwenzeka mayelana nesimo sakho somuntu siqu sokuqothuka ukuze ukwazi ukuthatha izinyathelo ezidingekayo neziqondile phambili.