Ungayithola Kanjani Imalimboleko Ezenzakalelayo Ngo-2023 Ngenani Lenzalo Ephansi?

Ngaphambi kokuya endaweni ethengisa izinto, kuwukuhlakanipha ukuthenga ababolekisi futhi uthole ukugunyazwa kusengaphambili ukuze uthole inani lenzalo eliqhudelana kakhulu.

Qiniseka ukuthi umbiko wakho wesikweletu unembile

Ukuthi yimalini futhi ngaliphi izinga lenzalo ofanele ukuliboleka kuncike kumphumela wakho wesikweletu nemali engenayo.

Hlola umbiko wakho wesikweletu ngaphambi kokufaka isicelo semali mboleko yezimoto. Umbolekisi angase akwenqabele ukubolekwa imali noma akunikeze inani eliphezulu kakhulu uma umbiko wakho uqukethe amaphutha noma ulwazi olungalungile, olufana nomsebenzi wokukhwabanisa.

Izikhungo ezintathu ezinkulu ezibika ngezikweletu (i-Equifax, i-Experian, ne-TransUnion) ikunikeza amakhophi amahhala ombiko wakho wesikweletu njalo ngonyaka ku-AnnualCreditReport.com. Ngaphezu kokukwazi ukuthola umbiko wakho wesikweletu masonto onke kuze kube uDisemba 2022, i-COVID ikuvumela ukuthi uphikise noma imaphi amaphutha embikweni wakho wesikweletu. Lokhu kungaphambi kokufaka isicelo sokubolekwa imoto.

Izikolo zibalwa kusuka emibikweni yezikweletu. Izikolo zezikweletu eziku-inthanethi nemibiko nazo ziyatholakala mahhala ngamabhange amaningi, abakhipha amakhadi esikweletu, nezinkampani zezimali zomuntu siqu, njenge-NerdWallet. Naphezu kweqiniso lokuthi ziwusizo ekulinganiseni inqubekela phambili yakho, ababolekisi abacatshangelwa ukuze banqume ukuthi uyafaneleka yini ukuthola isikweletu noma cha. Ngokuvamile, ababolekisi babheka ukuthi uyibuyisele kanjani imali mboleko yakho yezimoto ngokusekelwe kumaphuzu akhethekile.

Kutuswa ukuthi usebenzise izinyanga eziyisithupha ngonyaka uthuthukisa isikweletu sakho uma une-subprime noma isikweletu esibi - ngokuvamile esingaphansi kwama-600 - ngaphambi kokufaka isicelo semoto. Ukuze ufanelekele ukubolekwa imali engcono, kufanele wenze izinkokhelo zakho ngesikhathi futhi wehlise amabhalansi ekhadi lakho lesikweletu.

Thola umbono wamazinga enzalo labo abanesikolo sakho sesikweletu abakhokhayo ngesilinganiso senzalo semalimboleko yemoto.

Umlando wesikweletu somboleki wakho ubaluleke kakhulu kubabolekisi abaningi njengamaphuzu wesicelo sakho sesikweletu samanje. Kungenzeka kakhulu ukuthi uthole ukugunyazwa noma uthole inzalo ephansi uma ukhokhele ukuthenga okudlule kwezimoto. Kodwa-ke, imilando emifushane yezikweletu noma ukungabi khona kwemalimboleko yezimoto yangaphambilini kungathinta kabi izikolo eziyinhloko zezikweletu.

Uzodinga futhi ukukhombisa umlando ozinzile futhi uhlangabezane nezidingo ezincane zeholo.

Ababolekisi abaningi bayatholakala ukuze bathole imali mboleko yezimoto

Ukuhlola isikweletu sakho kuyisinyathelo sokuqala sokubheka imalimboleko yezimoto nababolekisi, ewela ezigabeni ezilandelayo:

• Amabhange kazwelonke amakhulu, njenge-Bank of America noma i-Capital One.
• Amabhange omphakathi wendawo noma izinyunyana zezikweletu.
• Ababolekisi be-inthanethi abahlinzeka ngemalimboleko yezimoto kuphela.
• Ukuxhaswa ngezimali komthengisi, noma ngababolekisi “abathunjiwe” babenzi bezimoto.

Ngisho noma uhlela ukuthatha imali yomthengisi ekugcineni, kufanele uqhathanise izingcaphuno ezivela kubabolekisi bokuqala abathathu kuqala. Uma uvuma ukukhokhwa kwemali mboleko okuzenzakalelayo ku-akhawunti yakho yokuhlola ebhange lakho noma inyunyana yezikweletu, ungase ufaneleke ukuthola inani elikhethekile. Ukuqhathanisa ababolekisi bezimoto ku-inthanethi nakho kuyinketho.

Kubalulekile ukwenza isiqiniseko sokuthi umbolekisi ngamunye omcabangelayo uvumela abathengisi abazimele ukuthi bathenge izimoto kunokuba bathenge abathengisi noma abadayisi. Ngaphambi kokufaka isicelo sesivumelwano semali yemoto, ukufunda ulimi lokuxhaswa ngezimali kwemoto nakho kubalulekile.

Ukugunyazwa kwangaphambili kwemali mboleko yezimoto

Kufanele ucele izingcaphuno zesilinganiso senzalo kubabolekisi abambalwa uma usunciphise ukusesha kwakho. Uzothola inani elincintisana kakhulu uma ababolekisi beqhudelana ngebhizinisi lakho. Ukwengeza, okunikezwayo kwezinga lenzalo yemalimboleko yemoto kungahluka kakhulu ngenxa yezinto ezihlukene ezicatshangwa ababolekisi lapho behlaziya umbiko wakho wesikweletu.

Umbolekisi angakufanelekela kusengaphambili noma akugunyaze kusengaphambili ukubolekwa imali uma ufaka isicelo. Ukuqonda umehluko phakathi kwabo kubalulekile.

Ngokusebenzisa inani elilinganiselwe lolwazi mayelana nomlando wakho wesikweletu, ukufaneleka kwangaphambili kunikeza isilinganiso sesilinganiso senzalo yakho kanye nenani lemalimboleko. Amaphuzu akho esikweletu ngeke ehliswe ukudonswa kwekhredithi kwangaphambilini, okuwukudonsa “okuthambile”. Nokho ungase uqaphele ushintsho olukhulu esilinganisweni esilinganiselwe uma ikhredithi yakho isihloliwe ngokugcwele.

Kunomehluko phakathi kokufaneleka nokugunyazwa kusengaphambili. Isikolo sakho sekhredithi sehliswa okwesikhashana ngenxa yokudonsela isikweletu “okunzima”. Isilinganiso sakho esilinganisiwe kufanele sisondele esilinganisweni sakho sokugcina njengoba umbolekisi enolwazi olwengeziwe mayelana nomlando wakho wesikweletu kanye nolwazi lomuntu siqu.

Kungase kube usizo ukugunyazwa kusengaphambili ukubolekwa kwemoto uma ususondele ekuthengeni imoto yakho. Lokhu kungenxa yokuthi unamandla amaningi okuxoxisana kumthengisi futhi amanani akho enzalo avikelekile ekumakweni. Uphenyo lubalwa njengolodwa uma lwenziwa izikhathi ezingaphezu kwesisodwa ngesikhathi esifushane.

Isicelo sakho semalimboleko yezimoto asiqinisekiswanga ukuthi sizovunyelwa ngenxa nje yokuthi uqeqeshwe kusengaphambili noma ugunyazwe kusengaphambili. Ukugunyazwa kwangaphambili kukhombisa umdayisi wakho ukuthi ungumthengi oqotho okwazi ukuthola uxhaso lwezimali futhi ungasiza ekuhleleni nasekwenzeni isabelomali sokuthenga imoto yakho.

Setha isabelomali sakho ngokuya ngesipho sakho semalimboleko

Akulona inani lemoto ongayithenga elishiwo esicelweni sakho sokugunyazwa kusengaphambili, kodwa inani eliphezulu ongaliboleka. Izintela nezimali ezikhokhwayo kufanele zengezwe kubhajethi yakho ngo-10%. Ungasebenzisa i-auto loan calculator ukuklama imali oyibolekile. Thola inkokhelo yanyanga zonke efanele yesabelomali sakho ngokufaka inkokhelo yakho ephansi, inani lokuhwebelana, nesikhathi semalimboleko.

Akudingekile ukuthi uboleke inani eliphelele uma ungakhululekile ngaleyo nkokhelo yanyanga zonke. Ngokuvamile, ukunikezwa kokugunyazwa kusengaphambili kuwumhlahlandlela walokho ongakwazi ukukukhokhela - ungaboleka kancane uma uthanda. Kungakhathaliseki ukuthi ibhange lakho lithini, kufanele uqiniseke ukuthi ungakwazi ukukhokha ngokunethezeka emalimboleko yakho.

Thola imoto yakho

Isikhathi sokukhetha imoto yakho entsha njengoba uneminikelo yezimali futhi wazi inani lakho eliphezulu lezezimali.

• Qinisekisa ukuthi ukunikezwa kwemali mboleko kufaka okulandelayo lapho ukhetha imoto:
• Amabhrendi akhishiwe. Izimoto zikagesi, ngokwesibonelo, azivame ukuxhaswa ngababolekisi abathile.
• Izidingo zamadeli. Kukhona ababolekisi abathile, njenge-Capital One, edinga ukuthi abathengisi babe yinethiwekhi ethile yomthengisi ngaphambi kokwenza isicelo semalimboleko.
• Lapho uthenga imoto kumuntu ngamunye, kufanele uhambisane nezidingo zomboleki.
• Imikhawulo ngesikhathi. Imalimboleko ivamise ukutholakala izinsuku ezingama-30. Umbolekisi angase andise okunikezwayo uma isikhathi siphela.
• Bheka ukunikezwa kwemali mboleko yomthengisi
• Usengakwazi ukuzuza inani lenzalo elingcono nakakhulu - kusuka kumthengisi - uma uthatha isivivinyo bese uthola imoto ehlangabezana nezidingo zakho.

Abadayisi bavame ukunikeza amanani enzalo angaphansi kwemakethe kumakhasimende athenga izimoto ngamabhange abakhi bezimoto. Umphathi wezezimali uzozama ukwedlula isilinganiso esimisiwe osigunyazwe kusengaphambili uma esethole ukuthi ugunyazwe kusengaphambili kuso. Ukuzama ukwehlisa izinga lakho lenzalo akulimazi, futhi akukho monakalo ekufakeni isicelo.

Kufanele usatshele umdayisi ukuthi usuvele ugunyazwe ngaphambili ngisho noma ungafisi ukudlala igeyimu. Ezimweni zokuthenga ukheshi, ungaxoxisana nje ngentengo yemoto, hhayi inkokhelo yanyanga zonke, ukuze ukwazi ukuxoxa ngentengo kuphela.

Yenza ukukhetha kwakho kwemalimboleko bese uyiphothula

Izinga lokuxhasa ngezimali kufanele libe phansi uma liqhathaniswa nezinga ogunyazwe ngalo ngaphambili (futhi eminye imigomo kufanele ifane). Kulungile uma wamukela imalimboleko onayo kungakhathaliseki ukuthi yiziphi ezinye izipesheli onazo. Kufanele ngaso sonke isikhathi ufunde izinkontileka ngokucophelela ngaphambi kokuzisayina ukuze uqiniseke ukuthi azikhohlisi.

Izimali ezifihliwe zikhona. Ngokungeziwe enanini lokuthenga imoto, kuzoba nentela yokuthengisa, izindleko zamadokhumenti, nezindleko zokubhalisa. Kubalulekile ukungabaza izinkokhelo ezeqile.

Kuhileleke isikhathi eside semalimboleko. Ukwandiswa ngisho nezinyanga eziyi-12 kungase kubangele amakhulu amadola kwezinye izinkokhelo. Thola inani eliphansi lomthengisi uma ungathola imali mboleko ende. Ezimweni eziningi, umshwalense we-gap ungatholwa ngentengo ephansi uma ungawuceli. Kubekwe inhlawulo uma ukhokha ngaphambi kwesikhathi. Inkontileka yemalimboleko yezimoto ngokuvamile ayinaso isigatshana esifana nalesi, kodwa kuwumqondo omuhle ukuhlola.

Ukuze usebenzise ukunikezwa kwakho okugunyazwe ngaphambilini, kufanele ulandele imiyalelo enikezwe ngumbolekisi wakho. Abanye ababolekisi bangase badinge ukuthintwa nguwe ngokuqondile, kuyilapho abanye bangadinga ukuthi uxhumane nabo ngokwakho.

Abathengisi abazimele ngokuvamile badinga ukheshi noma isheke le-cashier lapho bethenga imoto. Ngemva kokukhetha imoto, thintana nombolekisi ukuze uthole ukuthi ungaphetha kanjani isivumelwano. Bese, uzosayina amaphepha. Kusengumbono ohlakaniphile ukuhlola inkontileka yezinto ezingenhla, kodwa uphephe kakhulu kunokwengezo uma ungaxhasi ngezimali ngokuthengisa.

Khokha ngesikhathi

Ngemuva kokuthi imalimboleko yakho yezimoto ikhiyelwe ngaphakathi, usulungele ukushayela ekushoneni kwelanga. Kodwa ungakhohlwa isinyathelo esisodwa - ukwenza izinkokhelo zemali mboleko yemoto ngesikhathi. Umbolekisi wakho cishe uzokunikeza ukufinyelela ku-inthanethi olwazini lwakho lwemalimboleko, lapho ungasetha khona izinkokhelo ezizenzakalelayo. Ukuthatha isikhathi sokwenza lokhu kukusiza ukuthi wakhe umlando wokukhokha imali mboleko ngesikhathi, umnikeli obalulekile kumphumela wakho wesikweletu, kanye nekhono lokuthola imali ebolekiwe ngamanani angcono esikhathini esizayo.