Ungayehlisa kanjani isikweletu sakho semoto

Ukukhokha imali ebolekiwe yemoto kuyinqubo ende edinga ukuthi uhlale uzinikele kubhajethi yakho ngokukhokha izikweletu zakho zanyanga zonke. Nokho, ngezinye izikhathi, kungakhathaliseki ukuthi ukuthola imali eyengeziwe ukuze wenze izinkokhelo ezengeziwe, ukubuyisela imali oyibolekiwe yamanje, noma ukumane wenze izinqumo ezihlakaniphile lapho uboleka imali kwasekuqaleni, unganciphisa kakhulu izindleko zakho zezimali, kwezinye izimo kakhulu. Ngaphambi kokuthatha isinqumo sokuthi yini ozoyenza ngokulandelayo, xoxa ngezinketho zakho ezitholakalayo nombolekisi wakho wemalimboleko yezimoto ukuze uqiniseke ukuthi ziyasebenza.

Indlela 1 kwezingu-3. Sebenzisa ukukhokha kusengaphambili ukuze ukhokhe imali oyibolekile ngaphambi kwesikhathi

Izinto ezidingekayo

• I-Calculator
• Isivumelwano samanje semalimboleko
• ipeni nephepha

Ukukhokha kusenesikhathi kukuvumela ukuthi ukhokhe imali oyibolekile ngaphambi kwesikhathi kunokuvunyelwana ngaso ekuqaleni. Lokhu ukwenza ngokwenza izinkokhelo ezengeziwe nyanga zonke ngenani elengeziwe elibekelwe ukusetshenziswa komgomo. Kodwa-ke, ngaphambi kokuthi uqhubeke, kufanele uqiniseke ukuthi unemali eyengeziwe yokwenza ukukhokha kusengaphambili nokuthi umbolekisi wakho uyakuvumela ukuthi usebenzise ukukhokha kusengaphambili ngemali mboleko yakho yemoto.

• Imisebenzi: Indlela engcono kakhulu yokunciphisa inani lemali okufanele uyikhokhe iwukuba nomlando omuhle wezikweletu ngaphambi kokuthi uze uboleke imali. Kuye ngokuthi unekhredithi enhle noma isikweletu esihle nje esisesilinganisweni, imalimboleko ingasho umehluko wezinkulungwane ezimbalwa zamadola ezindlekweni zezimali ezengeziwe eziza nenani lenzalo eliphezulu.

Isinyathelo 1: Thola ukuthi kungenzeka yini ukubuyisela imali ebolekiwe kusenesikhathi. Nakuba izindlela ezifana nokubuyisela imali zingase zingatholakali kuwe ngenxa yemalimboleko yakho yamanje, ukukhokha inkokhelo yanyanga zonke ephakeme kungase kukuvumele wehlise ibhalansi yakho eyinhloko.

Umgomo uyisici esinqumayo esibaluleke kakhulu lapho ubala ukuthi ekugcineni uzokhokha malini empilweni yemali mboleko. Ukunciphisa lokhu ngenani elisheshayo kufanele kunciphise inani olikweletayo.

• Ukuvimbela: Ngaphambi kokwenza inkokhelo ephansi emalimboleko yakho yemoto yamanje, qiniseka ukuthi ayikho inhlawulo yokukhokha imali ebolekiwe yemoto yakho kusenesikhathi. Uma ungaqiniseki nganoma yiziphi izinhlawulo zokukhokha kusengaphambili eziqondene nemalimboleko yakho, thintana nombolekisi wakho ukuze ufunde kabanzi mayelana nesikweletu sakho semoto.

Isinyathelo sesi-2: Bheka Izinkokhelo Eziyinhloko Kuphela. Uma uthola ukuthi umbolekisi wakho uyakuvumela ukuthi ukhokhe imali mboleko yemoto yakho kusenesikhathi ngaphandle kokuhlawuliswa, thola ukuthi iyiphi inqubo abayisebenzisayo ngaphambi kokwenza kanjalo.

Ngokuvamile okubizwa ngokuthi izinkokhelo eziyinhloko kuphela, qiniseka ukuthi utshela umbolekisi wakho ukuthi enye imali edingekayo idingani.

• Ukunakwa: Abanye ababolekisi baze bafune ukuthi wenze lezi zinkokhelo ngokwehlukana nenkokhelo yakho yanyanga zonke.

Isithombe: Wells Fargo

Isinyathelo sesi-3: Bala inkokhelo yakho yanyanga zonke. Ngemva kokufunda inqubo okufanele uyilandele ukuze ukhokhe imali oyibolekile kusenesikhathi ngokukhokha kusengaphambili, thola ukuthi yimalini okufanele uyikhokhe inyanga ngayinye ukuze uyikhokhe kusenesikhathi.

Ungasebenzisa umshini wokubala ukuthola leli nani noma usebenzise isibali esiku-inthanethi. Amanye amasayithi anikezela ngezibalo zamahhala zokukhokha imali mboleko yemoto afaka i-Wells Fargo, i-Calxml. com, kanye ne-Bankrate.

Indlela yesi-2 koku-3: Sika umuntu ophakathi

Lapho uthenga imoto, qiniseka ukuthi ubheka zonke izinketho zakho ngaphambi kokuboleka imali. Nakuba umdayisi angase anikeze inketho elula uma uzama ukuthola imali oyidingayo ukuze uthole imali ebolekiwe yemoto, ngokuvamile asebenza njengomuntu ophakathi phakathi kwakho nomabolekisi wangempela, angeze imali yesevisi. Ukwengeza, ukudinga imali ebolekiwe encane kungakhuphula kakhulu izindleko zakho zezimali njengoba umbolekisi ezama ukwenza imali ngesikweletu esincane.

Isinyathelo 1: Yazi isikolo sakho: Yazi amaphuzu akho esikweletu ngaphambi kokuthi uye kumashonisa ukuze uthole imali ebolekiwe yemoto. Kubalulekile ukwazi ukuthi yiliphi izinga lenzalo elingatholwa isikolo sakho sesikweletu.

Isithombe: Equifax

Wonke umuntu unelungelo lombiko wekhredithi wamahhala ovela kwenye yezikhungo ezintathu zezikweletu minyaka yonke. Xhumana ne-Experian, Equifax noma i-TransUnion ukuze uthole ikhophi yombiko wakho. Ungathola futhi ikhophi kuwebhusayithi ye-AnnualCreditReport.

Uma usuwazi isikolo sakho, ungabona ukuthi sihlanganisa kanjani:

• Ngaphansi kuka-550 amaphuzu amabi, kuzoba nzima noma kungenzeki ukuthola imali mboleko yemoto. Ukuxhaswa ngezimali cishe kuzoholela esilinganisweni senzalo ephezulu kakhulu.

• Phakathi kuka-550 no-680 osezingeni eliphansi, ngakho-ke akukuhle, kodwa kungasetshenzwa nakanjani.

• Izikolo ezingaphezulu kuka-680-700 zibhekwa “njengezilula” futhi zizoholela ezilinganisweni zenzalo ezingcono. Uma isikolo sakho singaphansi kwama-680, khona-ke ukuthenga imoto okunesibopho kanye nezinkokhelo ezijwayelekile kungasikhulisa ngempela isikolo sakho.

• Ukunakwa: Abathengisi bezimoto ngeke bahlole umbiko wakho wesikweletu, bazophakamisa isikolo sakho kuphela.

Isinyathelo sesi-2: Hlola izinketho ezahlukene zezimali ezitholakala kuwe. Lokhu kuhlanganisa ukuya ebhange noma kwesinye isikhungo sezezimali ukuze nixoxe ngokuthi ibhange lingakusiza yini.

Lokhu kuvame ukunqunywa ukuthi sihle kangakanani isikweletu sakho. Ngokuya ngqo ebhange noma inyunyana yezikweletu, ungakwazi ukunqamula izimali ezikhokhwayo zabantu abaphakathi nendawo ezihambisana nokubolekwa imali kumthengisi.

Isinyathelo sesi-3: Khokha ukheshi uma ukwazi. Uma udinga kuphela imali ebolekiwe ngezinkulungwane ezimbalwa zamaRandi, kungcono ukulinda, uma kungenzeka, futhi ukhokhele imoto ngokheshi. Ababolekisi abaningi basemakethe ukwenza imali encane ngaphezu kwalokho abakunikezayo. Uma inani lilincane uma liqhathaniswa, umabolekisi ngokuvamile uzokhokhisa imali ephakeme ukuze anxephezele inani eliphansi.

• Imisebenzi: Uma isikolo sakho sesikweletu siphansi kakhulu, kufanele ucabange ukusithuthukisa ngaphambi kokuthatha imali mboleko yemoto. Isinyathelo esisodwa ongasithatha ukuxhumana nenhlangano yokwelulekwa ngezikweletu ukuze wakhe kabusha isikweletu sakho ngokuhamba kwesikhathi. Inhlangano izokusiza ngezinto ezifana nokwenza ibhajethi nokuthola indlela engcono kakhulu yokukhokha isikweletu sakho, nakuba iningi likukhokhisa imali ngezinkonzo zalo.

Indlela yesi-3 koku-3: Gcwalisa Imalimboleko Yakho Kabusha

Enye indlela enhle yokunciphisa inani lemali ekhokhwayo okufanele uyikhokhe ukukhokhela kabusha isikweletu sakho semoto samanje. Ngaphambi kokuthi uthathe imali oyibolekile, qiniseka ukuthi umbolekisi uyakuvumela ukubuyisela imali, abanye abakwenzi. Bese, uma unquma ukuhamba lo mzila, uzokwazi kusengaphambili ukuthi yiziphi izinketho zakho.

Isinyathelo sesi-1: Qoqa Amadokhumenti. Ngemva kokuxhumana nombolekisi wakho, uzodinga ukuqoqa ulwazi oluhlobene nesikweletu sakho semoto. Ukuba nolwazi olulandelayo esandleni kufanele kwenze yonke inqubo yokubuyisela imali ibe lula, okuhlanganisa:

• Isikolo sakho sesikweletu
• Izinga lenzalo kumalimboleko yemoto yamanje
• Ukweleta malini emalimboleko yakho yamanje?
• Inombolo yezinkokhelo ezisele
• Inani lemoto yakho
• Ukufundwa kwe-Make, imodeli kanye ne-odometer
• Umlando wakho womsebenzi kanye neholo lakho lonyaka

Isinyathelo sesi-2: Qhathanisa imigomo. Uma ufaneleka ukuthola uxhaso lwezimali, qhathanisa imigomo yalokho okunikezwa ngumbolekisi wakho wamanje naleyo yezinye izikhungo zezezimali.

Khumbula isikhathi semalimboleko entsha, izinga lenzalo entsha, noma yiziphi izinhlawulo zokukhokha ngaphambi kwesikhathi noma sekwephuzile, kanye nanoma yiziphi izinkokhelo ezengeziwe noma izinkokhiso zezimali.

Kuphela ngemva kokuba usunelisekile ngemigomo nemibandela lapho kufanele uvume futhi usayine imibhalo.

• UkuvimbelaIMP: Kufanele futhi unqume ukuthi ikhona yini imibandela yokubuyisela imoto nokuthi iyini ngaphambi kokuba usayine. Sekuphuze kakhulu ukuthola ukuthi kunesimo esithile esikhethekile osigejile ngesikhathi umbolekisi eza ezothatha imoto yakho.

Ukunikeza kabusha imali mboleko yakho yemoto yamanje kuyindlela enhle yokunciphisa inkokhelo yakho yamanje, okuhlanganisa nanoma yiziphi izindleko zezimali. Gcina imoto yakho isesimweni esihle sokusebenza ukuze uqinisekise ukuthi izohlala impilo yakho yonke yemalimboleko yakho nangale kwalokho. Lokhu kuhlanganisa ukwenza ukuhlolwa okujwayelekile kokuvimbela kanye nokulungisa. Vumela oomakhenikha bethu abanolwazi bakusize unakekele imoto yakho ukuze uyigcine isezingeni eliphezulu.