0% Izidili Zezimali Zezimoto: Iqiniso Mayelana No-0-1% Wokuxhaswa Ngezimali Kwezimoto Ezintsha

Lo mthetho ubonakala usobala kangangokuthi mhlawumbe ngisho nasencwadini ethengiswa kakhulu kaDonald Trump ethi The Art of the Deal uma uthanda izincwadi ezinamagama amafushane: "Noma yini ezwakala iyinhle kakhulu ukuthi ingaba yiqiniso cishe injalo."

Ngakho-ke uma ubona isikhangiso esithembisayo “0% APR,” “0% uxhaso lwemoto,” noma ngisho nezwi elizwakala kancane elithi “1% loxhaso lwemoto lwemoto,” ngokushesha thatha izibuko zakho zokufunda bese ulungele ukuqala ukukhuculula izinhlawulo. cindezela ngoba kunezivumelwano eziningi zokuxhaswa ngezimali kwezimoto eziningi kunalokho okubonwa ngamehlo. 

Iqiniso elilula futhi okufanele libe sobala ukuthi izimoto ezintsha ezingenayo i-zero financing zingabiza kakhulu kunokuthenga imoto efanayo nenzalo evamile. Lokhu kungase kubonakale kungenangqondo kuwe, futhi uma kunjalo, udinga ngempela ukuqhubeka ufunda.

Uma ubona ukunikezwa njengokuthi "0% financing" kuzwakala sengathi idili, kodwa yileyo ndlela amadili ezezimali zezimoto okufanele azwakale ngayo. Ngokuyisisekelo, konke kumayelana nokungena ku-showroom.

Okudingayo ukunaka umugqa oyinhloko, futhi izibalo lapha zilula kakhulu. Uma ukwazi ukuthenga imoto ngesivumelwano esivamile sezimali, yithi u-8.0%, ngo-$19,990, kusazoba ishibhile kunokuthenga imoto ngamaphesenti angu-0 uma imoto efanayo ingu-$24,990 edilini lakho “elikhethekile” elingamaphesenti angu-0. .

Ngoba yilokho okwenziwa izinkampani zezimoto ngezinye izikhathi, ikakhulukazi njengendlela yokubuyisela izindleko zomnikelo kuwe ngokuthi "0% wezezimali" njengesibonelo. Bakunikeza inani eliphansi kodwa bakhuphule intengo yemoto noma bengeze izinkokhelo ezengeziwe, izindleko zokuthumela nezindleko. Futhi, konke kumayelana nokufunda imibhalo emihle.

Sisebenzisa isibonelo setiyori esingenhla, sisebenzise iwebhusayithi ukubala ukuthi isamba semali ekhokhwayo ngamaphesenti angu-8 sizoba ngaphansi kwamaphesenti angu-0, isivumelwano esihle kakhulu ukuthi singaba yiqiniso.

Ngamaphesenti angu-8, imoto ebiza u-$19,990 phakathi neminyaka emithathu izodinga ukubuyiselwa imali engu-$624 ngenyanga, okusho ukuthi ekugcineni ukhokha u-$22,449 wemoto ngemva kweminyaka emithathu.

Kodwa intengo ka-$24,990 ekhokhwe eminyakeni emithathu ngenzalo eyiziro isengama- $0 ngenyanga, noma ama- $694 isiyonke.

“Izinkampani eziningi zezimoto zisebenzisa imali ephansi ukuze zithole amakhasimende ezinkampanini ezithengisa izimoto, kodwa ezimweni eziningi, amadili ahilela inani eliphelele lemoto kanye nomdayisi akhokhe imali egcwele,” kuchaza uchwepheshe wezemali onokuhlangenwe nakho.

“Lena iyona kuphela indlela izinkampani zezimoto ezingakwazi ukukhokhela ngayo inzalo ephansi. Ekugcineni bathola imali yabo. Ngeke uthole lutho mahhala."

Yini okufanele uyenze lapho uthenga idili lezezimali elingcono kakhulu?

Ochwepheshe bezezimali bayeluleka ukuthi yini okudingeka ukwenze ngempela ukuqhathanisa futhi ufanise amadili anikeziwe, futhi ungatholi ukuthengisa okulula okufana ne-"0% financing".

Funa ukwazi yonke inkokhelo yaleli phesenti elingu-0 nokuthi izoba yini inani lenani eliphelele lokuthenga, okuhlanganisa zonke izinkokhelo. Bese uqhathanisa leyo ntengo nenani ongayithola enkampanini yezezimali yenkampani yangaphandle—ibhange lakho noma omunye umbolekisi—nokuthi ungathola ishibhile kangakanani imoto efanayo uma uzikhulisela izimali zakho (noma, uma kungenzeka, ukhokhe. ngokheshi) okuvamise ukwehlisa intengo kakhulu).

Njalo qiniseka ukuthi ubuza mayelana nenkokhelo ye-orb ekupheleni kwanoma yikuphi ukuthengiselana kwezezimali ngoba kungaba nezingibe ezifihliwe kulokhu.

Into ehlakaniphe kakhulu ongayenza, vele, ukuxoxisana, ngoba uma ungathola umdayisi wakho ukuthi abophe idili lakhe lemali enguziro enanini lokuphuma elishibhile, khona-ke uwina ngempela nhlangothi zombili zeleja.

Yiqiniso, uzodinga umdayisi ozimisele kakhulu ukushintsha le modeli ethile, kodwa khumbula ukuthi akukaze kube buhlungu ukubuza. Futhi kufanele uhlale ulungele ukuhamba futhi ubuze umbuzo ofanayo komunye umdayisi.

Futhi hlala ubheka ezezimali zakho. Ukuhweba okuphansi njengo-2.9% kuvame kakhulu kulezi zinsuku futhi ngokomlando leli izinga elihle kakhulu ngempela. Futhi uma uzimisele ukuzifaka engozini futhi uthole isivumelwano esihle ngoxhaso lweziro, kunenqwaba yezinkampani zezimoto ezizozama ukukujabulisa.

Ngo-2021, kuya ngokuya kuncipha ukubona abathengisi bekhala ngokuthi banesivumelwano "sokuthola imali yemoto engu-0%", mhlawumbe ngenxa yokuthi abathengi sebeqalile ukubambelela kuleli qhinga. 

Kuvame kakhulu ukuthola "isibali sezimali" esinezikali ezishelelayo kuwebhusayithi yohlobo lwemoto - lokhu kukuvumela ukuthi ubeke ukuthi iyiphi inzalo ofuna ukuyikhokha, isikhathi esingakanani ofuna ukubuyisela imali ebolekiwe, nokuthi yimalini (uma ikhona) uzokhokha ngesamba semali ekupheleni kwethemu .

Lokhu kungakwenza uzizwe sengathi basesihlalweni somshayeli, ngomqondo ongokomfanekiso, benenkululeko yokubeka imigomo yemalimboleko ukuze ihambisane nezidingo zabo siqu, kodwa kuyasebenza imihuzuko efanayo: uma inzalo iphansi, kulapho ukhuphuka khona. 'uzokhokha ngokuhamba kwesikhathi; futhi izindleko ezengeziwe zingase ziphakame endleleni (imvamisa phakathi kwemibandela ongabona ngayo ukuthi umkhiqizi wemoto "unelungelo lokushintsha, ukwelula noma ukuhoxisa ukunikezwa nganoma yisiphi isikhathi" futhi "kunezintela nezindleko" zakudala zakudala, ngakho qhubeka isixwayiso). 

Ungasebenzisa amawebhusayithi ukuthola amadili angcono kakhulu, noma uthole nje uhlobo lwakho oluthandayo kanye nenani olidingayo.

Indlela yokubhekana 

1. Buza ukuthi isamba sokukhokha sizoba yini ngesikhathi semali mboleko, kungakhathaliseki izinga lenzalo abayinikezayo.
2. Ngaso sonke isikhathi qhathanisa okunikezwayo endaweni ethengisa izinto ezinikezwayo ngaphandle ngoba ngezinye izikhathi umdayisi uzoba nedili elingcono futhi ngezinye izikhathi kuzoba amabhange nabanye ababolekisi abashibhile.
3. Buza ukuthi inzalo ephansi iboshelwe yini enanini lemoto noma intengo yemoto nayo kungaxoxiswana ngayo.
4. Hlola isikhathi semali mboleko. Imititilizo eminingi enenzalo ephansi itholakala kuphela iminyaka emithathu, futhi izinkokhelo zanyanga zonke zingaba phezulu kunezinga elivamile lenzalo yemali mboleko yesikhathi eside.