Ichaza ijagoni yezezimali ezizenzakalelayo

Abaningi bethu bathenga imoto ngokheshi ngoba kuyindlela enhle yokusabalalisa izindleko eminyakeni embalwa. Lokhu kungenza imoto ikwazi ukuthengeka futhi wazi kahle ukuthi yimalini ongayisebenzisa kuyo inyanga ngayinye. Nokho, ukuqonda uxhaso oluzenzakalelayo kungase kube inselele ngenxa yenani lolimi oluthile namagama asetshenziswayo ukuze alunge.

Ukukusiza ukuthi ulungise konke, sihlanganise lo mhlahlandlela we-AZ ukuze uthole ijagoni yezezimali ngokuzenzakalelayo.

ISIVUMELWANO

Isivumelwano siyinkontileka ebopha ngokomthetho phakathi komboleki (wena) nomabolekisi (inkampani yezezimali). Ibeka isimiso sezinkokhelo, inzalo, amakhomishini nezinkokhelo, futhi ibeka amalungelo nezibopho zakho. Yifunde ngokucophelela futhi uqinisekise ukuthi inani lemoto liyafana nalokhu obonisile. Buza imibuzo noma uthole umbono wesibili uma ungaqiniseki nganoma yini esivumelwaneni.

Inani lesikweletu

Akumele kudidaniswe nesamba semali okumele uyikhokhe, inani lemali ebolekiwe yinkampani yezezimali ekuboleka yona. Lesi sibalo asifaki idiphozi noma inani ozolithola uma ushintshanisa imoto yakho yamanje.

Imayela lonyaka

Uma ufaka isicelo soxhaso lwePersonal Contract Purchase (PCP), udinga ukulinganisa imayela lakho lonyaka. (Cm. I-PSC Bheka ngezansi.) Leli inani eliphakeme lamamayela ongakwazi ukushayela unyaka ngamunye ngaphandle kwezimali ezengeziwe. Kubalulekile ukwenza lokhu ngendlela efanele ngoba uzokhokhiswa imayela ngalinye ngaphezu komkhawulo wemayela okuvunyelwene ngawo. Izindleko ziyahlukahluka, kodwa ababolekisi ngokuvamile bakhokhisa u-10p ukuya ku-20p ngemayela ngalinye ngokweqile.

Isilinganiso Sephesenti Lonyaka (APR)

Izinga lenzalo lonyaka izindleko zonyaka zokuboleka. Kuhlanganisa inzalo ozoyikhokha ezezimali, kanye nanoma yiziphi izinkokhelo ezihlobene nokuboleka. Isibalo se-APR kufanele sifakwe kuzo zonke izingcaphuno nezinto zokukhangisa, ngakho-ke kuyindlela enhle yokuqhathanisa ukuthengiselana kwezezimali okuhlukile.

Kunezinhlobo ezimbili ze-APR: yangempela kanye nemele. Zibalwa ngendlela efanayo, kodwa imali engenayo yonyaka emele isho ukuthi ama-51% abafakizicelo azothola inani elishiwo. Amaphesenti angu-49 asele abafake izicelo azonikezwa inani elihlukile, ngokuvamile eliphakeme. Izinga lenzalo lonyaka langempela ozolithola lapho uboleka. (Cm. isilinganiso senzalo ngezansi.)

Inkokhelo ngamabhola

Uma ungena esivumelwaneni sezimali, umebolekisi uzobikezela ukuthi inani lemoto liyoba yini ekupheleni kwenkontileka. Leli nani linikezwa "njenge-callout" noma "inkokhelo yokuzithandela yokugcina". Uma ukhetha ukukhokha, imoto ingeyakho. Uma kungenjalo, ungakwazi ukubuyisela imoto kumthengisi bese ubuyisela idiphozithi. Noma ungayihweba ukuze uthole enye imoto umthengisi anayo esebenzisa idiphozithi yakho yoqobo. Noma yiziphi izindleko ezigugayo noma ezidlulele zemayela zizokwengezwa enkokhelweni yokugcina yebhola.

Isilinganiso sekhredithi / isilinganiso sekhredithi

Isikolo (esaziwa nangokuthi isikolo sesikweletu) siwukuhlolwa kokufaneleka kwakho ukubolekwa imali. Uma ufaka isicelo semali yemoto, umbolekisi uzohlola amaphuzu akho esikweletu ukuze akusize wenze isinqumo ngesicelo sakho. Isheke elithambile liyisheke lokuqala ukuze ubone ukuthi uyakufanelekela yini ukubolekwa imali kubabolekisi abathile, kuyilapho isheke eliqinile liqedwa ngemva kokufaka isicelo sokubolekwa imali bese umebolekisi ebuyekeza umbiko wakho wesikweletu.

Amaphuzu aphezulu esikweletu asho ukuthi ababolekisi bakubona njengomuntu ongenabungozi kangako, ngakho-ke kuwumqondo omuhle ukuhlola isikolo sakho ngaphambi kokufaka isicelo sokubolekwa imali. Ukukhokha izikweletu zakho nokukhokha isikweletu sakho ngesikhathi kuzosiza ukuthuthukisa amaphuzu akho esikweletu.

Faka imali

Idiphozi, eyaziwa nangokuthi idiphozi yekhasimende, iyinkokhelo oyenza ekuqaleni kwesivumelwano sezezimali. Idiphozithi enkulu ngokuvamile izoholela ezinkokhelweni eziphansi zanyanga zonke, kodwa cabangela zonke izinketho zakho ngaphambi kokubhalisa. Qaphela: Angeke kwenzeke ukuthi idiphozithi yakho ibuyiswe uma unqamula isivumelwano sezimali, ngakho ukukhokha inani elikhulu kusengaphambili akuyona inketho engcono kakhulu.

Idiphozithi

Abathengisi bezimoto nabakhiqizi kwesinye isikhathi banikela ngediphozithi eya ezindlekweni zemoto. Kwezinye izimo, kufanele futhi wengeze idiphozi yakho. Iminikelo yediphozi ngokuvamile inikezwa ngesivumelwano sezimali esithile futhi ngeke itholakale ngaphandle uma wamukela leso sivumelwano. 

Izimali zediphozithi zingaba zinkulu impela, ezinciphisa kakhulu izinkokhelo zanyanga zonke. Kodwa qiniseka ukuthi ufunda imininingwane yesivumelwano. Izinombolo ezisezihlokweni zingase zibukeke zizinhle, kodwa imigomo yesivumelwano ingase ingahambisani nawe.

ukwehla

Leli inani imoto yakho elahlekelwa yiyo ngokuhamba kwesikhathi. Ukwehla kwenani kwezimoto kushubile ikakhulukazi onyakeni wokuqala, kodwa izinga liyehla ngemva konyaka wesithathu. Yingakho ukuthenga imoto ecishe ibe yintsha kungase kuzwakale kahle ngokwezimali - umnikazi wangempela uzogwinya ingxenye enkulu yokwehla kwenani. 

Ngedili le-PCP, empeleni ukhokhela ukwehla kwenani phakathi nokuphila kwenkontileka, ngakho ukuthenga imoto enenani eliphansi lokwehla kuzokubiza kancane ngenyanga.

Ukulungiswa kwangaphambi kwesikhathi

Ukukhokha kusengaphambili, okubuye kwaziwe ngokuthi ukuthenga noma ukukhokha kusengaphambili, inani elikhokhwayo uma unquma ukukhokha imali oyibolekile ngaphambi kwesikhathi. Umbolekisi uzohlinzeka ngenani elilinganiselwe, okungenzeka lihlanganise nenkokhelo yokukhokha ngaphambi kwesikhathi. Nokho, uzokonga imali njengoba inzalo ingaba ngaphansi.

Inhlokodolobha

Lona umehluko phakathi kwevelu yemakethe yemoto kanye nenani olikweleta inkampani yezezimali. Isibonelo, uma imoto ibiza u-£15,000 kodwa usakweleta inkampani yezezimali u-£20,000, ukulingana kwakho okunegethivu kungu-£5,000. Uma imoto ibiza u-£15,00010,000 futhi ukhokhe u-£XNUMXXNUMX kuphela, unokulingana okuhle. Nakuba kungenakwenzeka.

I-Negative equity ingaba yinkinga uma ufuna ukukhokha imali oyibolekile kusenesikhathi ngoba ungagcina usukhokhe imali engaphezulu kwaleyo ekufanele imoto.

Inkokhelo engaphezu kwemayela

Leli inani okuyodingeka ulikhokhe ngemayela ngalinye olishayelayo elingaphezu kwemayela lakho lonyaka okuvunyelwene ngalo. Imayela elidlulele livamise ukuhlotshaniswa ne-PCP namadili okuqasha. Kulawa madili, izinkokhelo zakho zanyanga zonke zisekelwe enanini lemoto ekupheleni kwenkontileka. Amamayela engeziwe anciphisa izindleko zemoto, ngakho kuzodingeka ukhokhe umehluko. (Cm. mileage yonyaka isigaba esingenhla.)

Igunya Lokuziphatha Kwezezimali (FCA)

I-FCA ilawula imboni yezinkonzo zezezimali e-UK. Indima yomlawuli ukuvikela abathengi ekuhwebeni kwezezimali. Zonke izivumelwano zezimali zezimoto zingaphansi kwamandla alo mlawuli ozimele.

Umshwalense Wokuvikelwa Kwempahla Eqinisekisiwe (GAP)

Umshwalense we-GAP uhlanganisa umehluko phakathi kwenani lemoto emakethe kanye nenani lemali esele ukuze ikhokhwe uma kwenzeka iciko noma ukwebiwa kwemoto. Asikho isibopho sokuthatha umshwalense we-GAP, kodwa kufanelekile ukucatshangelwa lapho uxhasa imoto yakho.

I-Guaranteed Minimum Future Value (GMFV)

I-GMFV inani lemoto ekupheleni kwesivumelwano sezezimali. Umbolekisi uzohlola i-GMFV ngokusekelwe ubude besikhathi senkontileka, isamba semayela namathrendi emakethe. Inkokhelo yokugcina yokuzithandela noma inkokhelo yebhaluni kufanele ihambisane ne-GMFV. (Cm. ibhaluni isigaba esingenhla.) 

I-GMFV isuselwe ekucabangeni ukuthi uhlala ngaphakathi komkhawulo wamakhilomitha akho, isevisi yemoto yakho ifinyelele amazinga anconyiwe, futhi ugcine imoto yakho isesimweni esihle.

Ukuthenga ngesitolimende (HP)

I-HP mhlawumbe iyindlela evamile kakhulu yokuxhasa ngemoto imoto. Izinkokhelo zakho zanyanga zonke zihlanganisa zonke izindleko zemoto, ngakho uma usuwenze isitolimende sakho sokugcina, uzoba umnikazi wemoto. Izinga lenzalo lihlelelwe isikhathi sonke, inani lemalimboleko lihlukaniswa izinkokhelo ezilinganayo zenyanga, ngokuvamile kuze kufike ezinyangeni ezingu-60 (iminyaka emihlanu). 

Ukukhokha idiphozithi ephezulu kuzokwehlisa izindleko zezinkokhelo zakho zanyanga zonke. Kodwa awuyena ngempela umnikazi wemoto uze wenze inkokhelo yokugcina. I-HP ilungile uma uhlose ukushiya imoto ekupheleni kwenkontileka.

Funda kabanzi mayelana ne-installment financing (HP) lapha

Inani lenzalo

Inzalo yimali oyikhokhayo uma uboleka imali yokuthenga imoto ngesikweletu. Izinga lenzalo lihlukaniswe ngezinkokhelo zemalimboleko yanyanga zonke. Isivumelwano sakho sezezimali sizosho izindleko eziphelele zenzalo ozoyikhokha ngesikhathi semali mboleko. Izinga lilungisiwe, ngakho uma inkontileka yezezimali iba mfishane, uzosebenzisa imali encane ngenzalo.

Ukushintshana kwengxenye

Ukushintshana ngokwengxenye ukusetshenziswa kwevelu yemoto yakho yamanje njengomnikelo enanini lenye entsha.

Lokhu kunganciphisa izinkokhelo zakho zenyanga njengoba izindleko zemoto yakho zidonswa ezindlekweni zemoto ofuna ukuyithenga. Izindleko zokushintshisana kwakho ngokwengxenye zincike ezintweni eziningi ezizocatshangelwa umthengisi, okuhlanganisa iminyaka yemoto, isimo, umlando wesevisi, nevelu yemakethe yamanje.

Inkontileka Yokuqashwa Komuntu Siqu (PCH)

I-PCH, eyaziwa nangokuthi isivumelwano sokuqashisa, isivumelwano sokuqasha noma sokuqashisa sesikhathi eside. Ekupheleni kwethemu, umane ubuyisele imoto enkampanini eqashisayo. Uma ucabanga ukuthi ugcine imoto futhi ufinyelele umkhawulo wakho wemayela, akukho okunye ongakukhokha. Izinkokhelo zanyanga zonke ngokuvamile ziphansi, kodwa qiniseka ukuthi intengo oyicaphunayo ihlanganisa ne-VAT. Mancane amathuba okuthi unikezwe ithuba lokuthenga imoto uma kuphela isikhathi sokuqashisa.

Ukuthenga Inkontileka Yomuntu Siqu (PCP)

Amadili e-PCP angakhanga ngoba izinkokhelo zanyanga zonke ziphansi kunezinye izinhlobo eziningi zokuqashisa nokuxhasa ngezimali. Lokhu kubangelwa ukuthi iningi lenani lemoto liboniswa ekupheleni kwenkontileka ngendlela yesamba semali. Khokha futhi imoto ingeyakho.

Ngaphandle kwalokho, ungakwazi ukubuyisela imoto kubabolekisi ukuze uthole idiphozithi yakho. Noma thola enye idili kumbolekisi ofanayo usebenzisa imoto yakho yamanje njengengxenye yediphozithi.

Funda kabanzi mayelana ne-Personal Contract Purchase Financing (PCP) lapha.

inani elisele

Leli inani lemakethe nganoma yisiphi isikhathi empilweni yemoto. Umbolekisi uzoveza inani elisele lemoto ekupheleni kwesivumelwano sezimali ukuze abale izinkokhelo zakho zanyanga zonke. Imoto enezinga eliphansi lokwehla kwenani izoba nenani eliphakeme lensalela, ngakho-ke izothengeka kakhulu ukuxhasa ngezimali kunemoto enezinga eliphezulu lokwehla.

Izitayela zemakethe, ukuthandwa kwemoto, kanye nesithombe sayo yizinto ezintathu nje ezithinta inani lensalela.

Ukuxazulula

Leli inani elidingekayo ukuze ukhokhe ngokugcwele imali ebolekiwe. Umbolekisi wakho angaqinisekisa inani lokukhokha noma nini phakathi nenkontileka. Uma ukhokhe uhhafu wemali okufanele uyikhokhe futhi ukhokhe ngesikhathi esifanele, futhi unelungelo lokumane ubuyisele imoto. Lokhu kwaziwa ngokuthi ukunqanyulwa ngokuzithandela.

Ithemu

Lesi yisikhathi sesivumelwano sakho sezezimali, esingahluka kusukela ezinyangeni ezingama-24 kuye kwezingama-60 (iminyaka emibili kuya kwemihlanu).

Inani eliphelele elikhokhelwayo

Okwaziwa nangokuthi isamba esikhokhwayo, lena yisamba sezindleko zemoto, okuhlanganisa nemalimboleko ngokwayo, inzalo ephelele ekhokhwayo, kanye nanoma yiziphi izinkokhelo. Lokhu kungenzeka kube phezulu kakhulu kunentengo obungayikhokha uma uthenga imoto ngokheshi.

Ukuqedwa ngokuzithandela

Unelungelo lokunqamula isivumelwano sezimali bese ubuyisela imoto uma ukhokhe amaphesenti angu-50 esamba semali okufanele uyikhokhe futhi uyinakekele ngendlela efanele imoto. Endabeni yesivumelwano se-PCP, inani lihlanganisa inkokhelo yokugcina ngendlela yebhola, ngakho iphuzu eliphakathi liba kamuva kakhulu esivumelwaneni. Ezinkontilekeni ze-HP, iphuzu elingamaphesenti angu-50 cishe liyingxenye yesikhathi sesivumelwano.

Ukunciphisa

Inkampani yezezimali izokuboleka imali ngombandela wokuthi uyayinakekela imoto futhi ugweme ukulimala kuyo. Kodwa-ke, inani elithile lokuguga lilindelekile, ngakho-ke ngeke ukhokhiswe ama-rock chips ku-hood, imihuzuko embalwa emsebenzini womzimba, kanye nokungcola okuthile kumasondo e-alloy. 

Noma yini engaphezu kwalokho, njengamasondo e-alloy aqinile, ukucwiliswa komzimba, nezikhawu zesevisi ezigejiwe, cishe kuzobhekwa ukuguga nokudabuleka okungaphezu kwemvelo. Ngaphezu kwenkokhelo yokugcina, uzokhokhiswa imali. Lokhu kusebenza kumadili e-PCP nawe-PCH, kodwa hhayi emshinini othengwe kwa-HP.

Lapho wenza isivumelwano sezimali zemoto, inkampani yezezimali kufanele ikunikeze izincomo zokuguga - ngaso sonke isikhathi hlola ulwazi olunikeziwe ngokucophelela ukuze wazi ukuthi yini eyamukelekayo.

Ukuxhaswa ngezimali kwezimoto kuyashesha, kulula futhi ku-inthanethi ngokuphelele e-Cazoo. Ziningi izinga Izimoto ezisetshenzisiwe ongakhetha kukho e-Cazoo futhi manje ungathola imoto entsha noma esetshenzisiwe ngayo Ukubhalisa kukaKazu. Vele usebenzise isici sokusesha ukuze uthole okuthandayo bese uthenge, uxhase ngemali noma ubhalise kukho ku-inthanethi. Unga-oda ukulethwa emnyango wakho noma uthathe eseduze Isikhungo Senkonzo Yamakhasimende saseCazoo.

Sihlala sibuyekeza futhi sandisa ububanzi bethu. Uma ufuna ukuthenga imoto esetshenzisiwe futhi ungayitholi elungile namuhla, kulula setha izexwayiso zokuphromotha ukuba ngowokuqala ukwazi uma sinezimoto ezihambisana nezidingo zakho.