Ukuqeshisa ilori yindlela ebalaseleyo yokufumana emva kwevili lemodeli oyithandayo ngaphandle kokwaphula ibhanki. Ukuqeshiswa kweelori kuye kwanda kakhulu njengoko kunika uncedo oluninzi ngaphezu kokuthenga okanye ukurenta. Ilula kwaye ingagqitywa ngamanyathelo ambalwa alula.
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Ukukhetha uMthengisi oHloniphekileyo okanye iNkampani yokuQesha
Ukuqala, fumana umthengisi othembekileyo okanye yokuqeshisa inkampani. Iinkampani ezininzi zibonelela uqeshiso lwelori, ngoko kubalulekile ukwenza uphando ngaphambi kokuba wenze isigqibo. Nje ukuba ufumene inkampani okhululekile kuyo, inyathelo elilandelayo kukukhetha ilori ongathanda ukuyiqeshisa.
Isicelo seTyala kunye neSivumelwano sokuQesha
Emva kokuchola ilori ofuna ukuyiqeshisa, inyathelo elilandelayo kukugcwalisa isicelo setyala. Oku kuya kunceda inkampani eqeshisayo ukuba ibone iintlawulo zakho zenyanga kunye nemali ephantsi yokuhlawula. Sakuba samkelwe isicelo sakho setyala, ukusayina isivumelwano sokuqeshisa kuya kulandela.
Ukwenza iNtlawulo yakho yokuqala yeNyanga
Inyathelo lokugqibela ekuqeshiseni ilori kukwenza intlawulo yakho yokuqala yenyanga. Nje ukuba wenze intlawulo yakho yokuqala, unokuthatha ilori kwaye ujabulele zonke izibonelelo eziza nayo. Ukuqesha ilori yeyona ndlela ibalaseleyo yokufumana isithuthi osifunayo ngaphandle kokukhathazeka malunga nokwenza intlawulo ephantsi. Ke ngoko, yithathele ingqalelo ukuba ukwindawo yokuthengisa ilori entsha.
Izinto eziluncedo zokuqeshisa ilori
Ukuqeshisa ilori kunika izibonelelo ezininzi, kuquka ukufumana ilori entsha rhoqo emva kweminyaka embalwa, iintlawulo eziphantsi zenyanga, kunye namazinga e-inshurensi anokuthi aphantsi. Ukuqeshisa kunokubonelela ngeenzuzo ezithile zerhafu. Nangona kunjalo, kubalulekile ukuqonda iingxaki ezinokubakho zokuqeshisa ngaphambi kokuba wenze isigqibo, esifana nenzala ephezulu, izithintelo zemayile, kunye neentlawulo zokuphelisa kwangoko.
Izinto ezingeloncedo ngokuqeshisa iSithuthi
Enye yezinto ezingalunganga zokuqeshisa isithuthi kukuba awuzukufumana naluphi na ukulingana emotweni. Kuyafana nokuqesha indawo yokuhlala kuba wenza iintlawulo zenyanga kodwa ungenabo ubunini kwipropati emva kokuba isivumelwano siphelile. Ngemoto, awukwazi ukuyithengisa okanye ukurhweba ngayo ukuthoba ixabiso lesithuthi sakho esilandelayo. Ukuqeshisa kwakhona ngokuqhelekileyo kuza nezithintelo zeemayile, kwaye unokuhlawuliswa ngokugqithisa umda. Ukongezelela, unoxanduva lokubuyisela imoto ikwimeko entle, nto leyo enokubiza imali eninzi xa kufuneka ulungise okanye uguge kakhulu. Zonke ezi zinto kufuneka ziqwalaselwe phambi kokuba utyikitye isivumelwano sokuqeshisa ukuqinisekisa ukuba sisigqibo sakho esilungileyo.
Ukuqeshisa vs. Ukuxhasa ngemali
Xa uthatha isigqibo sokuba uqeshise okanye uhlawule imoto, kubalulekile ukuqwalasela iimfuno kunye neenjongo zakho. Ukuba eyona njongo iphambili kukufumana eyona ntlawulo iphantsi yenyanga, ukuqeshisa kunokuba yeyona ndlela ilungileyo. Iintlawulo zengqeshiso zenyanga zihlala ziphantsi kuneentlawulo zemali-mboleko yemoto kuba zisekwe kukwehla kwexabiso lemoto xa uyiqhuba endaweni yexabiso layo lokuthenga. Nangona kunjalo, awusoze waba nesithuthi ngokuthe ngqo, ngoko uya kuhlala unentlawulo yenyanga. Komnye, izithintelo zeemayile okanye eminye imithetho inokunciphisa ukusetyenziswa kwemoto yakho. Ke ukuba ujonge ukuba bhetyebhetye kunye nokukwazi ukwenza uhambo lwakho ngokwezifiso, ukuxhaswa ngezimali kunokuba lukhetho lwakho olungcono. Ekugqibeleni, eyona ndlela ilungileyo yokwenza isigqibo kukulinganisa iimfuno zakho kwaye ubone ukuba yeyiphi inketho eyenza eyona ngqiqo.
Intlawulo ephantsi kwiNgqeshiso yeMoto
Intlawulo ephantsi kwingqeshiso yemoto idla ngokubizwa ngokuba kukuncitshiswa kweendleko ezinkulu okanye ukuncitshiswa kweendleko. Iinkampani eziqeshisayo zisebenzisa le mali ukuthoba isixa obizwa ngaso ngenyanga ngokuqeshisa, oko kucutha iintlawulo zakho zenyanga. Nangona kunjalo, kubalulekile ukuqaphela ukuba intlawulo ephantsi ayinciphisi iindleko ezipheleleyo zokuqeshisa imoto. Ixabiso lilonke lokuthengwa kwesithuthi lisahlawulwa kwixesha lokuqeshisa.
Ngaba iiNgqeshiso ziyabonakala kwiiNgxelo zeTyala?
Xa uhlawulela okanye uqeshisa isithuthi, umbolekisi uxela i-akhawunti kwiziko lengxelo yamatyala. Ulwazi luvela kwingxelo yakho yetyala njengemali-mboleko yezavenge phantsi kwecandelo le-akhawunti yezavenge. Ityala elilungileyo linokuba luncedo kuba linceda ekuboniseni irekhodi yembuyekezo enoxanduva.
Nangona kunjalo, ukuqeshisa kungonakalisa ngakumbi amanqaku akho ekhredithi ukuba unekhredithi engalunganga. Ngaphambi kokuba usayine nawaphi na amaphepha, kufuneka ujonge ingxelo yakho yekhredithi kunye namanqaku ukuze ubone ukuba izivumelwano zokuqeshisa ziyichaphazela njani ikhredithi yakho. Ungafumana ikopi yasimahla yengxelo yakho kwindawo nganye kwezi zintathu zinkulu zetyala kanye ngonyaka kwi-AnnualCreditReport.com.
isiphelo
Ukuqukumbela, ukuqesha imoto kunokuba yindlela ebalaseleyo yokufumana zonke izibonelelo zobunini ngaphandle kokwenza intlawulo enkulu. Nangona kunjalo, kukho izinto ezingalunganga zokuqeshisa okufuneka wazi ngaphambi kokuba wenze isigqibo. Ekugqibeleni, eyona ndlela ilungileyo yokwenza isigqibo kukulinganisa iimfuno zakho kwaye ubone ukuba yeyiphi inketho eyenza eyona ngqiqo. Khumbula, intlawulo ephantsi kwingqeshiso ayinciphisi iindleko zokuqeshisa ngemoto. Ingqeshiso inokuchaphazela amanqaku akho ekhredithi ngokufanelekileyo okanye kakubi, ngokuxhomekeke kwimeko yakho yezemali.
