Iingcebiso zokuxhaswa ngezimali zokuqala kwakho, okanye ngokulandelayo, ukuthengwa kweRV
Uninzi lwabantu aluhambi kumthengisi ophethe i-wheelbarrow egcwele imali kwaye athenge i-RV entsha. Njengokuthenga ezininzi ezinkulu, ezifana nekhaya okanye imoto, kuya kufuneka uhlawule i-RV yakho. Ukuba uke uthenge ikhaya, imoto, isikhephe, okanye nantoni na phakathi, uyazi ukuba yintoni ilahleko enokukufumana ukufumana imali ekuthengeni okukhulu. Uyazi kwakhona ukuba ukwenza ukhetho olufanelekileyo ekuxhaseni imali kungakugcina amawaka eedola kwaye wenze ukuthenga kufikeleleke ngokuhamba kwesikhathi.
Makhe sijonge oko kufuneka ukukwazi ngaphambi kokuxhaswa ukuze uqiniseke ukuba ufumana into engcono kakhulu.
Ziziphi izinto eziQinisekisa indlela oyiMali oyiRV?
Kukho imiba emininzi yokuchonga uhlobo luni lokuxhaswa kwemali kunye nenzala onokufumana i-RV entsha okanye esetyenziswayo.
IiRhafu zangoku
Njengemali mboleko kunye ne-auto, iimali-mboleko ze-RV kunye neerhafu zentsingiselo aziyi-static. IiRhafu ziya kwanda kwaye zinciphise ngokuxhomekeke kwintengiso. Iirhafu ze-RV zetyala zemali mboleko yemali, ngoko ke ukuba uyazi iitalente zemali eziphantsi, kungenokuba ixesha lokunyuka imali yokufumana imali mboleko ye-RV.
Iingxelo zeMboleko
Njengamanani amaninzi kweli hlabathi, amaxabiso akho aya kuxhomekeka kumanqaku akho ekhredithi. Ephakamileyo yamanqaku akho ekhredithi, ixabiso lentlawulo ephantsi uzakufumana. Umlinganiselo wekredithi ophantsi awuthetha ukuba awufumani ixabiso elihle. Yithengeza ukuze ufumane umntu onokusebenza kunye nokulinganisa i-credit yakho kwaye akufumene amaxabiso aphantsi.
Ubeka imali phantsi
Ngokuxhomekeka kwimivuzo emini oyinikezela ngaphambili, unokufumana i-APR engcono, imbuyekezo yentlawulo, kunye nokunye okuhlawula imali.
Ngokufanelekileyo, ufuna ukubeka iipesenti ezili-10 zeendleko ezipheleleyo zeRV phantsi ukuba kunokwenzeka. Oku akukunceda kuphela ukuba uqalise intloko kwizinto omele uzihlawulise kodwa uza kunciphisa iintlawulo zenyanga kwaye kukunike umgangatho xa uxoxisana ngezimali jikelele.
Ziziphi iindlela ezahlukeneyo zezeMali kwiRV?
Unokuxhaswa ngemali kunye nomthengisi, okanye unokufumana imali kunye nomntu wesithathu onjengebhanki yakho.
Makhe sijonge ezi khetho ezahlukeneyo zezimali.
Ukuxhaswa nge-RV Ngomthengisi
Ngaphambi kokuba uthathe isigqibo sokufumana imali ngomthengisi wakho kwaye uthenge i-RV yakho, kubalulekile ukwenza uphando lwakho. Hlola ukuhlolwa kwazo ukuze ubone ukuba ngaba nawaphi na abathengi baxubushe ngezimali kunye neerhafu zabo zenzalo. Ukuba kunokwenzeka, qha ga mshelana nabanye abathengi ukuba babone ukuba bayavuyisana ne-deal.
Kukho iibhonasi ngokukhetha ukuxhaswa ngemali kumthengisi. Inkqubo ivame ngokukhawuleza kwaye efanelekileyo kuba akudingeki ukuba uphinde uhambe phakathi kweziko lemali kunye nomthengisi. Abanye abathengisi banokunikela ngexabiso eliphantsi kakhulu lokuhlawula ngeentengiso kunye nokuthengisa.
Kukho izinto ezincinci zokuxhaswa ngemali kumthengisi. Amaxabiso amaninzi aya kuba ngabakhuphiswano, kwaye awuyi kuba ne-APR eninzi kunye neendlela zokuhlawula. Umthengisi angasebenzisa iindlela zokuthengisa eziphezulu zokunyanzela ukuba ungenele phambi kokuba udibanise.
Kuphela ngemali ngokusebenzisa umthengisi ukuba unethemba lokuba baya kusebenza nawe ukuze bafumane intsebenzo engcono kakhulu.
Ukuxhaswa ngeRV ngeBhanki
Ibhanki iphinda ifike kunye nepros and its cons. Ukusebenza kunye neziko elifanayo okanye umboleki-mali oye wasebenza kunye naye ngaphambi kokuba anike ithemba lokuba baya kusebenza kunye nawe ukuze bafumane uncedo olukhulu kwaye banokukunika umvuzo xa ulahlekelwa intlawulo.
Inzuzo enkulu yebhanki yakho kukuba akuyi kuba ngumlambeli onje kumthengisi. Uya kufumana ixabiso lentengo kumthengi ngaphandle komthengisi womthengisi.
Kukho ukungalunganga kokusebenza nebhanki. Ngokuqhelekileyo, bakubonelela ngeyona nto inokwenzeka ngayo, ngoko akukho ncokola. Ngoko, yinto enye okanye ayikho into. Kwakhona, ukuxhaswa ngebhanki kuthatha iintsuku ezimbalwa apho ungangena khona kwaye uphume kumthengisi ngosuku olunye.
Ungayifumana njani imali nge-RV?
Isiphakamiso sam kuwe kuwe kukubona oko kunika umthengisi kunye neebhanki yakho kukunika, uze uye kunye neengxaki zokufumana imali engcono. Xa umthengisi weRV uyazi ukuba awuyi kuxhasa ngemali kwaye ukhangele ezinye izibonelelo, bafumana ukuphana.
Enye yezinto ezilungileyo kakhulu ongayenza kukufumana imvume phambi kwebhanki yakho kwaye uthathe le phepha kunye nawe kumthengisi.
Ngokuqhelekileyo umthengisi unqwenela ukuba uwaxhashe imali ukuze ukwazi ukusebenzisa oku njengendlela yokubambisana. Into ebaluleke kakhulu kukuziyeka ngeendlela ezininzi, ngoko unokuzikhethela ukhethe i-best deal kwaye uthenge i-RV yamaphupha akho .