Iyiphi indlela eshibhe kakhulu yokuxhasa ngezimali ukuthenga imoto?
Lapho ekugcineni wenza isinqumo esikhulu sokuthenga imoto entsha, kuningi ongakucabangela. Ngokusobala, kufanele ucabange ukuthi hlobo luni lwemoto olufunayo nokuthi yimaphi amanani angena kubhajethi yakho. Ukuxhasa imoto ngezimali kuwumthwalo wemfanelo omkhulu. Phakathi kwenkokhelo ephansi, umshwalense, izinkokhelo zakho zanyanga zonke, nokulungiswa okuhleliwe, imali eningi ingena ebunikazini bemoto. Iningi labantu lizama ukonga imali noma kuphi lapho lingakwazi khona, futhi ukukhetha umbolekisi kuyingxenye enkulu yalokho. Abantu abaningi bathatha imali ebolekiwe ebhange, ababolekisi, noma basebenzise izinketho zezimali zomthengisi. Ngakho iyiphi eshibhe kakhulu?
Impendulo elula: kuya ngokuthi. Kunezici eziningi ezilawula ukuthi ababolekisi abahlukene bashibhile noma babiza kangakanani.
Amabhange ngokuvamile ababolekisi abashibhe kakhulu. Amabhange amaningi, ikakhulukazi izinyunyana zezikweletu, anikeza amanani enzalo angaphansi kuka-10% emalini ebolekiwe.
Ngokuvamile, izilinganiso zenzalo zabathengisi ziphezulu kunezinzalo zasebhange ngenxa yokuthi bangabaxhumanisi. Bakhokhisa noma yiliphi inani lenzalo amabhange abanikeza lona. Njengomthetho, isilinganiso sokumaka singaba ngu-2.5%. Inani umthengisi anganyusa ngalo izinga lenzalo lilawulwa uhulumeni.
Kodwa abathengisi benza amadili amahle ngezikhathi ezithile. Abathengisi abaningi banokunikezwa okukhethekile lapho banikeza khona u-0% isikhathi esithile. Inkokhelo engenanzalo isho inkokhelo eshibhile yemoto isikhathi esithile. Awukwazi ukukuhlula lokhu! Amabhange nabanye ababolekisi ngeke bakwazi ukukunikeza inzalo ephansi kangako ngoba ngeke bakwazi ukwenza imali ngaleyo ndlela. Abathengisi sebevele benza inzuzo ngokukudayisela imoto, ngakho izinga lenzalo elinguziro liyisikhuthazo sabo sokukuletha endaweni ethengisa izinto.
Izilinganiso zenzalo yomthengisi nazo zingaxoxisana. Nakuba izilinganiso zenzalo kukho kokubili umdayisi nasebhange zisekelwe kumaphuzu esikweletu, umdayisi unenkululeko ethile ngenani abakhokhisa lona ngenxa yemakhaphu. Uma bekunikeza isilinganiso senzalo ongasithandi, ungazama ukuphuma kuso. Amazinga enzalo ebhange asethiwe futhi awanakuyekiswa ukwenza kanjalo.
Nakuba umthengisi kuyisitolo esisodwa, okwenza kube lula ukubolekwa imali kanye nemoto ngesikhathi esisodwa, amabhange amaningi nezinyunyana zezikweletu zizokuvumela ukuthi ufake isicelo semali mboleko ku-inthanethi ngemizuzu.
I-Bank Rate ishicilela izitayela zezinyanga ezintathu ezilinganisweni zenzalo yemoto. Lokhu kuzokusiza ukuthi ubone ukuthi izinga okhokhiswayo lifanelekile yini.
Ukutholakala kwesikhathi eside kuncike enanini lenzalo oyitholayo nokuthi ihlala isikhathi esingakanani. Uma amaphuzu akho esikweletu esingcono, maningi amathuba okuba uthole idili elihle lenzalo. Izinkokhelo zemoto zingahlala iminyaka emi-3 kuya kwengu-7 kakhulu, ngakho izinga lenzalo eliphansi liyisihluthulelo sokukhokha kancane imoto ngokuhamba kwesikhathi. Thatha isikhathi sakho futhi wenze ucwaningo lwakho ngaphambi kokugxumela emalini yemoto. Hlala ubheke amaphromoshini avela kumthengisi kanye nebhange lakho. Isikhathi esifanele sokuthenga singaholela ekongeni imali ngokuhamba kwesikhathi.
