Uyini umehluko phakathi kokuthenga nokuqasha imoto entsha?

Emnothweni wesimanje, kubalulekile ukwenza izinqumo ezifanele ngezezimali. Ukukhetha indlela yokukhokhela imoto kungesinye sezinqumo ezinzima kakhulu ongazithatha. Izimoto ziyakhohlisa. Izimoto zilahlekelwa iningi lenani lazo phakathi neminyaka emithathu yokuqala yobunikazi. Nokho, imoto entsha ingazikhokhela eminyakeni emihlanu kuya kweyisikhombisa! Ngokungafani nendlu, imoto ngeke ikhuphuke intengo ngokuhamba kwesikhathi. Izimoto zihlale ziwohloka. Lapho unquma ukuthi ungayikhokhela kanjani imoto, kunezindlela ezimbili ongakhetha kuzo: ukuthenga noma ukuqasha.

Ukuthenga nokuqasha imoto kuyizinto ezihluke ngokuphelele. Ukuthenga noma ukuxhasa ngezimali yilapho ukhokha zonke izindleko zemoto esikhathini esimisiwe. Izinkokhelo zakho zingathatha iminyaka emithathu kuya kweyisikhombisa. Ukuqashisa kulapho ukhokha ingxenye encane yezindleko zemoto. Uma uqasha ukhokha kuphela inani lemoto iminyaka oyishayelayo. Zombili izindlela zokuthenga imoto zinezinzuzo eziningi kanye nebubi.

Uma uqasha imoto

• Awudingi inkokhelo enkulu. Njengoba kushiwo ngaphambili, uma uqasha imoto, ukhokha kuphela ingxenye encane yezindleko zemoto, okudinga inkokhelo ephansi. Uma ungenayo inkokhelo enkulu yokuxhasa imoto yakho noma udinga izinkokhelo eziphansi zanyanga zonke, ukuqashisa kuyinketho enhle kuwe. Namuhla, ukuqashisa okuningi akudingi ukukhokha kusengaphambili, kodwa kudinga idiphozithi.

• Kufanele uyiqashe ngenani elithile lamamayela. Uma weqa isibalo samamayela owathenga ngesikhathi uqasha imoto okokuqala, kuzodingeka ukhokhe ezinye izimali lapho uyibuyisela. Uma ushayela amamayela amaningi ngonyaka, ukuqashisa kungase kungabi inketho engcono kakhulu. kwakho.

• Ungakwazi ukushayela imoto engcono ngemali encane, kodwa awunayo. Umthengisi oqashe kuye imoto uzoqhubeka nokuba ngumnikazi wemoto ngisho nalapho isikhathi sokuqashisa sesiphelile. Ekupheleni kwesikhathi sokuqasha, ungathenga imoto, kodwa lokhu kuzodinga enye inkokhelo.

• Uma uqasha imoto, unomshwalense ophakeme ngoba kufanele uvikele impahla yomshayeli nempahla yomnikazi.

Uma uthenga imoto

• Udinga inkokhelo enkulu. Ukukhokha izindleko ezigcwele zemoto kudinga inkokhelo enkulu ukuze unciphise izinkokhelo zanyanga zonke. Uma ungeke ukwazi ukwenza inkokhelo enkulu, izinkokhelo zakho zanyanga zonke zizoba phezulu noma ngeke ukwazi nhlobo ukuthenga imoto. Uma ungakwazi ukukhokhela inkokhelo encane noma izinkokhelo eziphakeme zanyanga zonke, ukuthenga kungase kungabi okwakho. Inkokhelo evamile lapho uthenga imoto ingu-20%.

• Umnikazi wemoto. Igama lakho lizoba esihlokweni futhi uzokwazi ukuphinda udayise imoto esikhathini esizayo. Ngokuvamile, abanikazi bezimoto basebenzisa izimoto zabo ezindala njengesinxephezelo ukuze benze inkokhelo encane emotweni entsha abayithengayo. Lokhu kungasiza ngenani lemoto ngokuhamba kwesikhathi esikhathini esizayo. Uma ungumuntu ozigqajayo ngalokho anakho, ukuthenga imoto kungase kube kuwe.

• Izindleko zakho zomshwalense zizoba ngaphansi kunalapho uqasha khona. Uzokwazi ukuba nenqubomgomo evikela kuphela impahla yakho, evamise ukuba mancane kakhulu kunezimpahla zomdayisi oqashisa kuwo.

Kungakhathaliseki ukuthi iyiphi indlela oyikhethayo, uzobe ukhokhela imoto iminyaka eminingana. Indlela ngayinye inquma inani olikhokhayo ekuqaleni, inani olikhokhayo inyanga ngayinye, nokuthi wenzani ngemoto lapho izinkokhelo zakho seziphelile. Abanye abantu bancamela ukuqasha imoto. Abanye banomuzwa wokuthi ukuthenga kungcono kakhulu kubo.

Ukukhetha phakathi kokuthenga nokuqasha kusekelwe ezimweni zakho. Wonke umuntu uhlukile futhi abantu abahlukene badinga izindlela zokukhokha ezihlukile. Ngemva kokufunda ngokucophelela isimo sakho siqu, ungenza isinqumo esingcono kakhulu ngokuthenga imoto entsha.