Uhlolojikelele lwezinketho zokubolekwa kwemoto

Izinketho ezahlukene zezimali zemoto zichazwe ngezansi.

Imalimboleko yomuntu siqu

Imali mboleko yomuntu siqu ikuvumela ukuthi uboleke isamba futhi wenze izinkokhelo ezivamile, ezingaguquki ukuze uyikhokhe. Njengomthetho ojwayelekile, ungakwazi ukusabalalisa izinkokhelo esikhathini esingangonyaka owodwa kuya kweyisikhombisa. Uma isikhathi eside, sincane inani lezinkokhelo ezijwayelekile ozenzayo.

Ngemali mboleko yomuntu siqu, ngokuvamile awukwazi ukubuyisela lokho okukhokhele (ngisho noma ukhokhe ngaphezu kwenani eliphansi elidingekayo) futhi, ngokungafani nolayini wesikweletu noma ikhadi lesikweletu, awukwazi ukusebenzisa imali ebolekiwe kwezinye izinto ozithengayo.

Iningi lemalimboleko yomuntu siqu linenani elincane elingasukela ku-$1,000 liye ku-$10,000 liye ku-$25,000 kuye ngomboleki. Futhi hlola inani eliphakeme - ezinye izikweletu azinamkhawulo kanti ezinye zikhawulelwe ku-$ XNUMX XNUMX.

Izimalimboleko zomuntu siqu zingavikelwa noma zingavikeleki lapho umkhiqizo usetshenziswa njengesibambiso senani lemalimboleko. Uma imali oyibolekiwe ivikelekile, lokhu kungehlisa izinga lakho lenzalo futhi kuthinte inani eliphezulu lemalimboleko yakho. Imali mboleko yomuntu siqu evikelwe imoto ngokukhethekile ibizwa ngokuthi izikweletu zemoto.

Izikweletu zemoto

Izimali mboleko zemoto ziyefana nezimali ezibolekiwe zomuntu siqu, kodwa imoto oyithengayo iyisibambiso semali mboleko (abanye ababolekisi bangase bayibize ngokuthi imali mboleko yomuntu siqu evikelekile). Ukuba nemoto yakho njengesibambiso kusho ukuthi uma ungakhokhi imali oyibolekile, imoto yakho ingase idliwe. Uma kuqhathaniswa nemali mboleko engavikelekile, lokhu kusho ukuthi amanani enzalo angaba ngaphansi.

Ukuze imoto ifanelekele ukuphepha, ngokuvamile kufanele ihlangabezane nemibandela ethile. Ngokwesibonelo:

 • Okusha - Izimoto zingase zibe zintsha futhi zithengwe kumthengisi kuphela. Imali ebolekiwe yemoto entsha ivamise ukuba nenzalo ephansi.

 • Ezisetshenziswayo - zingakhawulelwa ezimotweni ezingaphansi kweminyaka eyisikhombisa kwabanye ababolekisi, futhi ezimotweni eziningi ezisetshenzisiwe, inani lemali ebolekiwe elincane lingabalulekile.

 •Okungenani - Inani elincane lemalimboleko evikelekile (inani lemalimboleko, hhayi inani lokuthenga imoto) lingasukela ku-$4,000 kuya ku-$10,000 yemali mboleko yezimoto.

Uma isimo sakho singafaneleki, thintana nombolekisi omcabangelayo ngaphambi kokufaka isicelo.

Ikhadi lesikweletu

Ungasebenzisa ikhadi lesikweletu ukuze uthenge imoto, futhi abanye ababolekisi bangase bayincome uma ufuna ukuboleka ngaphansi kwenani labo elincane lemalimboleko, ikakhulukazi uma benekhadi lesikweletu elinenzalo ephansi ekuxubeni kwemikhiqizo yabo.

Ukuthenga imoto ngekhadi lesikweletu kungase kungabi kubi njengoba kuzwakala. Funda kabanzi mayelana nobuhle nobubi bokuthenga imoto ngekhadi lesikweletu.

Ukuqasha imoto

Ukuqasha imoto kufana nokuqasha imoto isikhathi esithile, ngenketho yokuyithenga ekupheleni kokuqashisa ukuze uthole imali eyinsalela, okungukuthi, izindleko noma amaphesenti ngokuvamile okuvunyelwana ngawo kusengaphambili.

Ukuqasha imoto kungaba usizo kulokhu:

 • Abathengi umqashi wabo abanikeza iphakethe lamaholo emoto ngokuqashisa nge-Novated Lease.

 • Amabhizinisi angafuni ukuhlanganisa imali eningi ephethe impahla enciphayo.

Funda kabanzi mayelana nokuqashisa ku-Canaring Car Leasing.

Ukuthenga isitolimende 

Ukuthenga isitolimende, ngezinye izikhathi okubizwa ngokuthi ukuthenga okuqashiswayo, kuyinketho yokuxhasa ngezimali lapho osozimali ethenga imoto bese uyiqashisa kuye isikhathi okuvunyelwene ngaso. Njengesivumelwano sokuqashisa, ungafaka inkokhelo enkulu ekupheleni kwesivumelwano, kodwa lokhu akudingekile.

Ukuthenga isitolimende kuhloselwe izinkampani noma abantu abathile abasebenzisa imoto ngezinjongo zokuthengisa.

I-mortgage yempahla ephathekayo

I-Mortgage endaweni egudlukayo iyindlela yokuxhasa ngezimali imoto efanele amabhizinisi lapho imoto ethengiwe (impahla ephathekayo) isetshenziselwa ibhizinisi isikhathi esingaphezu kuka-50% wesikhathi.

Inkampani ngokushesha iba umnikazi wemoto, ngaphandle kokutshala imali ekuthengeni, kodwa isengafuna izinzuzo zentela emotweni. Unenketho yokuvula inkokhelo ekupheleni kwesikhathi ukuze wehlise izinkokhelo, kodwa lokhu akudingekile.