Ukuthenga imoto entsha lixesha elinomdla. Ngokucokisekileyo njengoko uye waphanda iimodeli kunye nokuthengisa kunye novavanyo oluninzi njengoko ubuhamba, usenokuba akuhoyi ukuchitha ixesha elininzi ucinga ngeenkcukacha zolungiselelo lwakho lwenkxaso-mali. Imali mboleko engalunganga inokukubiza imali eninzi ngexesha elide. Ukuba ucinga ngokuthenga isithuthi, nazi iingcebiso ezilishumi zokuxhasa imoto esele isetyenzisiwe ukuze uqiniseke ukuba uyayifumana imali yakho.
Yazi ukuba iTyala lakho lijongeka njani
Abathengisi bahlala bebhengeza amaxabiso abo anenzala ephantsi kwiimoto zangaphambili, kwaye abantu abaninzi bacinga ukuba wonke umntu uya kulungela ezo. Ngelishwa kwabanye, ushicilelo oluhle lukwenza kucace ukuba ezo ntlawulo zezaboleki abafanelekileyo kuphela. Ukwazi amanqaku akho ekhredithi kunokukunceda ukuba ubone ukuba ufanelekile na. Ukuba akunjalo, unexesha lokuphanda ezinye iindlela zokuxhasa ngemali okanye uphinde uqwalasele uhlahlo lwabiwo-mali lwemoto yakho, ukuze ungazifumani sele ubekwe kwindawo yokuthengisa. Ingcinga elungileyo ukuphonononga yonke ingxelo yakho yekhredithi ngelixa ukuyo kuba ngamanye amaxesha iingxelo zinokuba neempazamo ezenza ukuba amanqaku akho etyala aphantsi kunokuba kufanelekile.
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Ukuba usemncinci kwaye awunatyala okanye wenze iimpazamo ezimbalwa zekhredithi, kuyafaneleka ukuthetha nabahlobo kunye nosapho ukuze ubone ukuba umntu ukulungele ukusayina imali mboleko yakho. Ababolekisi bayathandabuza ukuxhasa ngezimali iimoto kubantu ababona ngathi basemngciphekweni omkhulu, ngoko ke unokuba nobunzima bokufumana imali-mboleko ngaphandle komsayini-mnye. Nokuba ufanelekile, unakho ukuhlawula ixabiso lenzala ephezulu eyenza imoto yakho ibize kakhulu ekuhambeni kwexesha.
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Sukuhendwa NgeeNtlawulo eziphantsi
Ukubona ukuba intlawulo yenyanga ephantsi isenokubonakala iyinto entle ekuqaleni, kodwa iintlawulo eziphantsi zidla ngokuthetha ukuba uya kuhlawula imali-mboleko yakho ixesha elide. Kudla ngokuba ngumbono ongcono ukukhetha intlawulo ephezulu yenyanga eyenza ukuba imoto yakho ihlawulwe ngokukhawuleza. Kungenjalo, uya kuzifumana uchitha imali eninzi kwinzala nokuba unexabiso elihle.
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Thenga Phambi kokuba Uthenge
Luluvo olulungileyo ukufumana ubuncinci izicatshulwa ezintathu okanye ezine phambi kokuba uzinze kumbolekisi. Ukuhamba kumthengisi kudla ngokuba yeyona ndlela ifanelekileyo, kwaye ngamanye amaxesha banokunikezela ngamaxabiso ancomekayo, kodwa asenokungabi yeyona nto ilungileyo, kwaye ngokucacileyo ayiyonto ikhethiweyo ukuba uthenga imoto yakho esetyenzisiweyo ngomthengisi wabucala. Zama ukufumana iingcaphuno zakho ngaphambi kokuba uphume kwi-test drive.
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Yiba Nenyani Ngento Onokuyifikelela
Xa ulungiselela ukuthenga imoto, kubalulekile ukuba uhlale phantsi uze ubhale uhlahlo lwabiwo-mali oluneenkcukacha olubandakanya iintlawulo zemoto yakho. Yiba nexabiso eliphezulu ngokupheleleyo kuzo zombini iindleko zizonke kunye neentlawulo zenyanga zefemu engqondweni yakho phambi kokuba uhle uye kumthengisi. Ngelixa uninzi lwamaqashiso eemoto kunye nabathengisi besiya kude kubuchule boxinzelelo oluphezulu kunye namaxabiso afihliweyo ngokuthanda iindlela ezilungele abathengi, kuselula ukubanjwa kulonwabo lokuthenga imoto entsha kwaye uzifumane ukhetha uphuculo onokuthi unako. andikwazi.
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Cwangcisa Ukubeka Phantsi kangangoko Unako
Abathengisi abaninzi banikezela ngezivumelwano ezibandakanya intlawulo ephantsi okanye engekhoyo yokuqala, enokubonakala ngathi yindlela ehendayo yokugcina imali kwangaphambili. Nangona kunjalo, khumbula ukuba uya kube uhlawula inzala kwimali-mboleko. Iingcali ezininzi zincomela ukubeka ubuncinane ama-20 ekhulwini exabiso elithengiweyo lemoto njengentlawulo ephantsi. Ukuba uyakwazi ukuchitha ngaphezulu koko, kungcono nangakumbi. Ukubeka ubuncinane iipesenti ezingama-20 ezantsi kunokuchaphazela amaxabiso enzala yakho kuba abanye ababolekisi bayathandabuza ukuxhasa ngezimali iimoto zabantu abangakwaziyo ukufikelela oko kwaye banokuhlawulisa ngaphezulu ukubuyisela umngcipheko.
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Khangela iiMali-mboleko ezingezizo ezoncedo
Akukho mntu uceba ukusilela kwimali mboleko yemoto, kodwa ngamanye amaxesha iimeko ziyatshintsha, kwaye unokuzifumana ungakwazi ukuqhubeka neentlawulo zenyanga. Mhlawumbi sele uyazi ukuba umbolekisi unokuphinda athathe imoto yakho ukuba oko kuyenzeka, kodwa into abantu abaninzi abangayiqondiyo kukuba ezinye iimali-mboleko zivumela ukuba zikumangalele ngebhalansi yemali-mboleko ukuba imoto yakho ayifanelekanga ngokwaneleyo ukuyigubungela. Ekubeni iimoto zihla ngexabiso nyaka ngamnye, oku kunokwenzeka ngokwenene. Iimali-mboleko ezingezizo ezi mboleko zivumela umbolekisi ukuba aphinde athathe isithuthi, nokuba ayifanelekanga njengemali-mboleko. Ukuba awukwazi ukufumana imali-mboleko engafunekiyo, qiniseka ukuba ufumana i-inshurensi ye-gap ukuhlawula umahluko phakathi kwexabiso lemoto yakho kunye nokuba unetyala elingakanani kuyo.
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Thembela Amathumbu Akho
Iinkampani zophando kunye nababolekisi kwi-intanethi linyathelo lokuqala elibalulekileyo, kodwa ngamanye amaxesha iinkampani ezingathembekanga zinokuba nentengiso ekhohlisayo kodwa elahlekisayo. Xa uthetha ne-arhente kumntu okanye ngefowuni, nikela ingqalelo kwindlela oziva ngayo. Ngaba uzinika ixesha, acacise izinto aze akhuthaze imibuzo? Okanye ngaba uyakungxamela, usebenzisa amaqhinga aze akuphephe ukunika iimpendulo ezicacileyo? Ukuba uziva ngathi kukho into enomthunzi eyenzekayo, thembela amathumbu akho kwaye ujonge omnye umbolekisi. Qinisekisa ukuba ufunda yonke ikhontrakthi ngokucokisekileyo ngaphambi kokuba uyisayine, kwakhona, ngakumbi ukuba imigaqo ibonakala ilunge kakhulu ukuba ibe yinyani.
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Musa ukuQinisa iiMali kunye nezoNgezelelweyo kwiMali-mboleko
Nokuba uthenga imoto entsha okanye eyeyakho ngaphambili, ixabiso lokuthenga liyinxalenye yebali kuphela. Kwakhona kufuneka uhlawule irhafu yokuthengisa, imali yokubhalisa, kunye nezinto ozikhethelayo ezifana neziqinisekiso. Ngelixa uninzi lwababolekisi-mali luzimisele ukukhuphela ezo ndleko kwimali mboleko yakho, luluvo olungcono ukubahlawula ngemali. Ayizukugcina imali kuphela ngokukuvumela ukuba uhlawule inzala encinci, kodwa ikwaqinisekisa ukuba imali-mboleko yakho ihlala ikufutshane nelona xabiso lemoto yakho. Oku kunceda xa kukho into engahambi kakuhle, kwaye kufuneka uthengise imoto yakho okanye uhlale nenkampani yeinshurensi.
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Kukhuthalele Ukubhatala Kwangexesha
Oku kubonakala ngathi akukho-brainer, kodwa kulula ngokumangalisayo ukulibala iintlawulo zakho okanye wenze intlawulo kade amaxesha ngamaxesha. Nangona kunjalo, uninzi lwemali mboleko yemoto lupakisha kwimirhumo ebiza kakhulu kunye nezohlwayo ukuba uyayenza. Iintlawulo ezingapheliyo zisenokubangela ukuba izinga lakho lenzala linyuke. Uninzi lwamazwe luvumela ababolekisi ukuba baphinde bahluthe iimoto ngokukhawuleza ukuba awukwenzi intlawulo yakho, enokukubiza amakhulu eedola kwimirhumo kunye neendleko. Cinga ngokuseta iintlawulo ezizenzekelayo ukuze uqiniseke ukuba iintlawulo zakho zenziwa nyanga zonke ngaphandle kokuphazamiseka.
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