Ungasifumana njani iMali-mboleko ye-Auto ngo-2023 ngeNzala yeNzala ePhantsi?

Ngaphambi kokuba uye kumthengisi, kububulumko ukuthenga ababolekisi kwaye ufumane imvume kwangaphambili ukuze ufumane elona zinga likhuphisanayo lenzala.

Qinisekisa ukuba ingxelo yakho yetyala ichanekile

Ingakanani kwaye ingakanani inzala ofanele ukuyiboleka ixhomekeke kumanqaku akho etyala kunye nomvuzo.

Jonga ingxelo yakho yetyala phambi kokufaka isicelo semali mboleko yemoto. Umbolekisi unokukwalela imali-mboleko okanye akunikeze ixabiso eliphezulu kakhulu ukuba ingxelo yakho iqulethe iimpazamo okanye ulwazi olungachanekanga, olufana nomsebenzi wobuqhophololo.

Amaziko amathathu amakhulu okunika ingxelo ngetyala (Equifax, Experian, kunye neTransUnion) akubonelela ngeekopi zasimahla zengxelo yakho yetyala rhoqo ngonyaka kwi-AnnualCreditReport.com. Ukongeza ekukwazini ukufumana ingxelo yetyala lakho ngeveki ukuya kuDisemba ka-2022, i-COVID ikuvumela ukuba uphikise naziphi na iimpazamo kwingxelo yakho yetyala. Oku kuphambi kokufaka isicelo semali mboleko yemoto.

Amanqaku abalwa kwiingxelo zekhredithi. Amanqaku okuthenga ngetyala kwi-Intanethi kunye neengxelo zikwafumaneka simahla kwiibhanki ezininzi, abaniki bekhadi letyala, kunye neenkampani zezimali zomntu, njengeNerdWallet. Ngaphandle kwento yokuba ziluncedo ekulinganiseni inkqubela yakho, aziqwalaselwa ngababolekisi ukugqiba ukuba ngaba ukulungele na ukufumana ikhredithi. Ngokubanzi, ababolekisi bajonga indlela oye wayibuyisela ngayo imali mboleko yakho yemoto ngokusekelwe kumanqaku akhethekileyo.

Kucetyiswa ukuba uchithe iinyanga ezintandathu ukuya kunyaka uphucula ikhredithi yakho ukuba une-subprime okanye i-credit ephantsi-ngokuqhelekileyo ingaphantsi kwe-600 - ngaphambi kokuba ufake isicelo semoto. Ukuze ukwazi ukufumana imali-mboleko engcono, kufuneka wenze iintlawulo zakho ngexesha kwaye unciphise iibhalansi zekhadi lakho letyala.

Fumana uluvo lwamazinga enzala abo banamanqaku akho etyala bahlawula ngomyinge wenzala yemali mboleko yemoto.

Imbali yekhredithi yomboleki wakho ifanelekile kuninzi lwababolekisi njengamanqaku esicelo sakho sekhredithi yangoku. Kusenokwenzeka ukuba ufumane imvume okanye ufumane inzala esezantsi ukuba uhlawule izinto ozithengileyo kwimoto yangaphambili. Nangona kunjalo, iimbali ezimfutshane zetyala okanye akukho mboleko yangaphambili yemoto inokuchaphazela kakubi amanqaku aphezulu etyala.

Kuya kufuneka kwakhona ubonise imbali yomsebenzi ezinzileyo kwaye uhlangabezane neemfuno zomvuzo omncinci.

Ababolekisi abaninzi bayafumaneka kwimali-mboleko yemoto

Ukujonga ityala lakho linyathelo lokuqala lokujonga imali mboleko yemoto kunye nababolekisi, eziwela kwezi ntlobo zilandelayo:

• Iibhanki ezinkulu zelizwe, ezifana neBhanki yaseMelika okanye i-Capital One.
• Iibhanki zasekuhlaleni okanye iimanyano zamatyala.
• Ababolekisi be-Intanethi ababonelela kuphela ngemali mboleko yemoto.
• Inkxaso-mali yokuthengisa, okanye ngababolekisi “abathinjiweyo” babenzi beemoto.

Nokuba uceba ukuthatha imali yomthengisi ekugqibeleni, kuya kufuneka uthelekise izicaphulo ezivela kubabolekisi bokuqala abathathu kuqala. Ukuba uyavuma ukwenza iintlawulo zemali-mboleko ngokuzenzekelayo kwi-akhawunti yakho yokutshekisha kwibhanki yakho okanye kwimanyano yetyala, ungakulungela ukufumana ireyithi ekhethwayo. Ukuthelekisa ababolekisi beemoto kwi-intanethi kukwayindlela yokukhetha.

Kubalulekile ukuqiniseka ukuba umbolekisi ngamnye omjongayo uvumela abathengisi babucala ukuba bathenge iimoto kunokuba bathengise okanye abathengisi. Ngaphambi kokuba ufake isicelo sesivumelwano senkxaso-mali yemoto, ukufunda ulwimi lwenkxaso-mali yemoto nako kubalulekile.

Ukuvunywa kwangaphambili kweemali-mboleko zemoto

Kufuneka ucele iikowuti zenzala kubabolekisi abambalwa nje ukuba ulucuthe uphendlo lwakho. Uya kufumana elona nqanaba likhuphisanayo ukuba ababolekisi bakhuphisana ngeshishini lakho. Ukongeza, unikezelo lwemali-mboleko yemali-mboleko yemoto lunokwahluka kakhulu ngenxa yezinto ezahlukeneyo eziqwalaselwa ngababolekisi xa uhlalutya ingxelo yakho yetyala.

Umbolekisi angakufanela okanye akuvumele kwangaphambili ukuba ubolekwe imali xa ufaka isicelo. Ukuqonda umahluko phakathi kwabo kubalulekile.

Usebenzisa isixa esilinganiselweyo solwazi malunga nembali yakho yetyala, isiqinisekiso sangaphambili sibonelela ngoqikelelo lwenzala yakho kunye nesixa semali-mboleko. Amanqaku akho okuthenga ngetyala awayi kuthotywa kukutsalwa kwetyala kwangaphambi kokufaneleka, nto leyo elutsalo “oluthambileyo”. Nangona kunjalo ungaqaphela utshintsho olubalulekileyo kwireyithi eqikelelweyo xa ikhredithi yakho ihlolwe ngokupheleleyo.

Kukho umahluko phakathi kokufaneleka kunye nokuvunywa kwangaphambili. Amanqaku akho ekhredithi athotywa okwexeshana ngenxa yotsalo lwetyala "lobunzima". Ireyithi yakho eqikelelweyo kufuneka isondele kwireyithi yakho yokugqibela kuba umbolekisi unolwazi oluthe kratya malunga nembali yakho yetyala kunye nolwazi lomntu.

Kunokuba luncedo ukuvunywa kwangaphambili kwimali mboleko yemoto ukuba ukufutshane nokuthenga imoto yakho. Oku kungenxa yokuba unamandla othethathethwano angaphezulu kumthengisi kwaye amazinga akho enzala akhuselwe ukuba angaphawulwa. Uphando lubalwa njengolunye xa lwenziwe ngaphezu kwesihlandlo esinye ngexesha elifutshane.

Isicelo sakho semali-mboleko yemoto asiqinisekiswanga ukuba siya kuvunywa ngenxa yokuba uphumelele okanye uvunywe kwangaphambili. Imvume yangaphambili ibonisa kumthengisi wakho ukuba ungumthengi ozimiseleyo okwaziyo ukufumana inkxaso-mali kwaye unokunceda ekucwangciseni nasekuqikeleleni uhlahlo lwabiwo-mali lokuthenga imoto yakho.

Misela uhlahlo lwabiwo-mali ngokwemali-mboleko yakho

Ayiloxabiso lemoto onokuthi uyithenge elichazwe kunikezelo lwakho oluvunywe kwangaphambili, kodwa yeyona mali iphezulu onokuyiboleka. Iirhafu kunye neentlawulo kufuneka zongezwe kuhlahlo lwabiwo-mali lwakho nge-10%. Unokusebenzisa isixhobo sokubala semali-mboleko yemoto ukuyila imali-mboleko yakho. Fumana intlawulo yenyanga efanelekileyo yohlahlo lwabiwo-mali lwakho ngokufaka intlawulo yakho ephantsi, ixabiso lokurhweba, kunye nexesha lemali-mboleko.

Akunyanzelekanga ukuba uboleke isixa esipheleleyo ukuba awukhululekanga ngaloo ntlawulo yenyanga. Ngokubanzi, isithembiso sokuvunywa kwangaphambili sisikhokelo sento onokufikelela kuyo - ungaboleka imali encinci ukuba uyafuna. Nokuba ithini na ibhanki yakho, kufuneka uqiniseke ukuba ungenza intlawulo ngokukhululeka kwimali mboleko yakho.

Khangela isithuthi sakho

Lixesha lokuba ukhethe imoto yakho entsha ngoku njengoko unezibonelelo zemali kwaye uyazi isixa-mali sakho esiphezulu.

• Qinisekisa ukuba imali-mboleko ibandakanya oku kulandelayo xa ukhetha imoto:
• Iimpawu ezingabandakanywanga. Iimoto zombane, umzekelo, azidli ngokuxhaswa ngemali ngabanye ababolekisi.
• Iimfuno kubathengisi. Kukho abanye ababolekisi, abafana neCapital One, efuna ukuba abathengisi babe kwinethiwekhi yomthengisi othile phambi kokuba benze isicelo semali-mboleko.
• Xa uthenga imoto emntwini, kufuneka uthobele iimfuno zombolekisi.
• Izithintelo ngexesha. Iimali-mboleko zidla ngokufumaneka kangangeentsuku ezingama-30. Umbolekisi unokwandisa isithembiso ukuba ixesha liphelile.
• Jonga unikezelo lwemali-mboleko yomthengisi
• Usenako ukufumana ireyithi yenzala engcono nangakumbi-kumthengisi-ukuba uthatha uvavanyo kwaye ufumane imoto ehlangabezana neemfuno zakho.

Abathengisi bahlala benikezela ngenzala engaphantsi kwemarike kubathengi abathenga iimoto ngeebhanki zabenzi bemoto. Umphathi wezemali uya kuzama ukubetha izinga elimiselweyo ovunywe ngalo xa efumanisa ukuba uvunywe kwangaphambili ngalo. Ukuzama ukuthoba inzala yakho akubuhlungu, kwaye akukho bungozi ekufakeni isicelo.

Kuya kufuneka uxelele umthengisi ukuba sele uvunywe kwangaphambili nokuba awufuni ukudlala umdlalo. Kwiimeko zokuthenga imali, unokuthetha-thethana ngexabiso lemoto kuphela, hayi intlawulo yenyanga, ngoko ke unokurhweba ngexabiso kuphela.

Yenza ukhetho lwakho lwemali-mboleko kwaye uyigqibezele

Umlinganiselo wenkxaso-mali kufuneka ube phantsi xa uthelekisa nomlinganiselo obuvunywe ngawo kwangaphambili (kwaye eminye imiqathango kufuneka ifane). Kulungile ukuba uyayamkela imali-mboleko okhoyo nokuba zeziphi ezinye izinto onazo. Kufuneka usoloko ufunda iikhontrakthi ngononophelo phambi kokuba uzisayine ukuqinisekisa ukuba azikhohlakali.

Imirhumo efihliweyo ikhona. Ukongeza kwixabiso lokuthenga imoto, kuya kubakho irhafu yokuthengisa, iimali zamaxwebhu kunye neendleko zokubhalisa. Kubalulekile ukubuza imirhumo egqithisileyo.

Ixesha lemali-mboleko elide liyabandakanyeka. Ukwandiswa kweenyanga ezili-12 kunokubangela amakhulu eedola kwiintlawulo ezongezelelweyo. Fumana ireyithi ephantsi yomthengisi ukuba unokufumana imali mboleko ende. Kwiimeko ezininzi, i-inshurensi ye-gap inokufunyanwa ngexabiso eliphantsi ukuba awuyiceli. Isohlwayo siyabekwa xa umntu ehlawula kwangoko. Ikhontrakthi yemali mboleko yemoto ayinalo igatya elinje, kodwa luluvo oluhle ukujonga.

Ukuze uthathe ithuba lonikezelo oluvunywe kwangaphambili, kufuneka ulandele imiyalelo enikelwe ngumbolekisi wakho. Abanye ababolekisi banokufuna ukuqhagamshelwa nguwe ngokuthe ngqo, ngelixa abanye banokufuna ukuba uqhagamshelane nabo ngokwakho.

Abathengisi babucala badla ngokufuna imali eziinkozo okanye itshekhi yecashier xa kuthengwa isithuthi. Emva kokukhetha imoto, qhagamshelana nombolekisi ukuze ubone indlela yokugqiba isivumelwano. Emva koko, uya kusayina amaphepha. Kusengumbono olumkileyo ukujonga ikhontrakthi yezi zinto zingasentla, kodwa ukhuseleke kakhulu kwii-add-ons xa ungafumani mali ngokuthengisa.

Yenza iintlawulo kwangexesha

Emva kokuba imali mboleko yakho yemoto itshixiwe, ulungele ukuqhuba ukutshona kwelanga. Kodwa ungalibali elinye inyathelo - ukwenza iintlawulo mboleko yemoto ngexesha. Umbolekisi wakho uya kubonelela ngokufikelela kwi-intanethi kulwazi lwakho lwemali mboleko, apho unokuseta iintlawulo ezizenzekelayo. Ukuthatha ixesha ukwenza oku kukunceda ukuba wakhe imbali yeentlawulo mboleko ngexesha, igalelo elixabisekileyo kumanqaku akho etyala, kunye nokukwazi ukufumana imali-mboleko ngamaxabiso angcono kwixesha elizayo.