Imali mboleko yezimoto, nakhu ongakwazi

Ukuthenga imoto ngokuvamile kuwukutshalwa kwezimali kwesibili okubaluleke kakhulu ekuphileni ngemva kokuthenga indawo ethengiswayo. Ngakho-ke ukuxhasa lo msebenzi kudinga isikweletu esikhulu, yingakho kubalulekile ukwazi izikweletu zemoto ngaphambi kokwenza. Kodwa phakathi kwenani eliphelele lezindleko zezimali, ukukhetha phakathi kwe-LOA nekhredithi yendabuko, noma ngisho nomshwalense womboleki, izici eziningi zihlala zingaziwa emphakathini jikelele futhi zingabamba lezimanga ezingajabulisi.

Ukuthenga imoto kuvame ukumela utshalomali lwesibili empilweni ngemuva kwezindlu ezithengiswayo. Ukuze kuxhaswe le phrojekthi ebalulekile, ngakho-ke kubalulekile ukuqonda konke okushiwo yimalimboleko yemoto ngaphambi kokuyiboleka.

Phakathi kwamafomula ahlukene okungenzeka, umshwalense, noma izindleko ezengeziwe, izici eziningi zihlala zingaziwa futhi zingabamba izimanga ezingemnandi. Masihlole.

Okokuqala, kunezigaba ezimbili eziyinhloko zokuxhasa imoto ngezimali: ikhredithi yakudala kanye Ukuqasha nge-Purchase Option (LOA). Uma isikweletu sendabuko saziwa kangcono, i-LOA iya ithandeka kakhulu. Ngokuvamile kuhlanganisa isondlo kanye nomshwalense ngaphezu kwenkokhelo yanyanga zonke, kodwa qaphela imayela!

Enye ipharamitha enqumayo nevame ukunganakwa: inani lomnikelo womuntu siqu. Uma inkulu, izinga elingcono kakhulu ongaxoxisana ngalo futhi unciphise izindleko eziphelele zokuxhasa ngezimali. Cabanga ngakho!

🥀 Iyini isikweletu semoto?

Uma wena anginayo imali edingekayo ukuze ukhokhele imoto entsha, isikweletu semoto singakusiza ukuthi uyithenge, kungakhathaliseki ukuthi imoto yintsha noma isetshenzisiwe. Uma uthola isikweletu semoto, uboleka imali kumashonisa ukuze uthenge imoto.

Uyavuma ukubuyisela izimali esikhathini esimisiwe, kanye nanoma yiziphi izinkokhelo nenzalo oyitholayo. Kubantu abaningi, ukuthenga imoto kudinga ukuboleka imali.

Kunezinhlobo ezahlukene zokubolekwa kwezimoto, futhi kuye ngesimo sakho sezezimali, enye yazo ingaba yisinqumo esingcono kunezinye. Thola ukuqonda okungcono kwezinhlobo ezijwayelekile zokubolekwa kwezimoto ngaphambi kokuthi uqale ukufaka isicelo esisodwa.

Ngokuvamile, kunezindlela ezimbili zokuboleka imali yokuthenga imoto: imalimboleko eqondile noma ukuxhaswa ngezimali ngu-a umthengisi.

✔️ Izikweletu eziqondile

Ababolekisi abaqondile bafaka amabhange, izinyunyana zezikweletu nezinye izikhungo zezezimali njengababolekisi be-inthanethi.

Ukuboleka komunye walaba babolekisi kungakunikeza ithuba lokuqhathanisa imigomo yemalimboleko futhi kungase kukunike ithuba lokugunyazwa kusengaphambili ngemali mboleko ethile ngaphambi kokuthenga. Futhi uma usulungele ukuthenga, uzosebenzisa leyo mali ukukhokhela imoto.

✔️ Ukuxhaswa ngemali komthengisi

Le nketho, ephethwe umnyango wezezimali womthengisi wakho, yenza kube lula ukuthenga imoto yakho kanye nemalimboleko yakho yemoto endaweni eyodwa.

Abathengisi ngokuvamile banobudlelwano nababolekisi abaningi, ngakho-ke ungakwazi ukuqhathanisa imigomo futhi ufanelekele izinhlelo zenani eliphansi noma izinhlelo zokukhuthaza ezixhaswe ngumkhiqizi.

Kodwa qaphela abadayisi” thenga lapha, ukhokhe laphai” enikeza imali mboleko yezimoto enenzalo enkulu kubathengi abangenaso isikweletu esiqinile.

Uma ungafuni ukuthatha imali mboleko yezimoto evamile noma ungakufanelekeli ukugunyazwa, cabanga ukucela ilungu lomndeni ukuthi likusize noma ulinde uze wonge imali eyanele. Ungaphinda ucwaninge enye inketho yemalimboleko, njengemalimboleko yomuntu siqu evela kubabolekisi abasuka kontanga kuya kontanga.

🥀 Isebenza kanjani imalimboleko yezimoto?

Kubantu abaningi, ukuthenga imoto kungenye yezimali ezinkulu ozozenza, okwesibili emva kwalokho ukuthenga indlu. Nakuba ukukhokha ngokheshi kuyinto enhle, iqiniso liwukuthi abantu abaningi badinga imali ebolekiwe ukuze bakhokhele izimoto zabo, kungakhathaliseki ukuthi zintsha noma sezisetshenzisiwe.

Njengento ezuza inzalo njengoba uyikhokha ngokuhamba kwesikhathi, kubalulekile ukuthi uzilungiselele ngaphambi kokuthatha imali mboleko yemoto. Inani olibolekayo, ukuthi uthatha isikhathi esingakanani ukuyibuyisela, kanye nezinga lakho lenzalo konke kuthinta inani lakho lokukhokha lanyanga zonke.

• Inani lemalimboleko. Ingaba ngaphansi kakhulu kunevelu yemoto, kuye ngokuthi unayo yini imoto yokuhweba kanye/noma uyayenza inkokhelo ephansi.
• Izinga lephesenti lonyaka. Leli izinga lenzalo elisebenzayo olikhokhayo emalimboleko yakho.
• Isikhathi sokubolekwa imali. Lesi yisikhathi okufanele ukhokhe ngaso imali ebolekiwe, ngokuvamile izinyanga ezingama-36 kuye kwezingama-72.

Enye yezinto ezibaluleke kakhulu okufanele uziqonde mayelana nokuthi imali mboleko yezimoto isebenza kanjani ubudlelwano phakathi kwesikhathi semalimboleko kanye inzalo oyikhokhayo. Isikhathi eside semalimboleko singehlisa kakhulu inkokhelo yakho yanyanga zonke, kodwa futhi kusho ukuthi ukhokha inzalo eyengeziwe.

✔️ Ngokwesibonelo

Cabangela a imalimboleko yemoto ka-$25 ngenani lonyaka lika-000% kanye nesikhathi esiyizinyanga ezingama-3,00. Ngaphezulu kweminyaka emi-48 yokukhokha, uzokhokha u-$4 wenzalo iyonke kumalimboleko. Uma unweba le mboleko efanayo izinyanga ezingama-1 (noma iminyaka emi-561), uzokwehlisa inkokhelo yakho yanyanga zonke ngo-$60, kodwa uzokwandisa inzalo ephelele onayo. izokhokha isuka ku-$1 iye ku-$561 $.

Ayikho indlela eyodwa yokunquma isikweletu semoto esingcono kakhulu. Kungakho udinga ukuthatha isikhathi sokuqonda ukuthi imali mboleko yezimoto isebenza kanjani futhi wenze isinqumo esifanele ngokusekelwe esimweni sakho sezezimali.

Abanye abantu bazohlomula kakhulu ngokuthatha isikhathi eside ukwehlisa izinkokhelo zanyanga zonke nokusebenzisa umehluko ukukhokha isikweletu senzalo ephezulu. Abanye bancamela ukwenza inkokhelo ephakeme njalo ngenyanga futhi ukhokhe imali ebolekiwe ngokushesha. Udinga nje ukulamula.

🥀 Izidingo zokufaka isicelo sokubolekwa imoto

Ukuze ufanelekele ukubolekwa imali yemoto, ngokuvamile uzodinga ukuthi ugcwalise isicelo semalimboleko esihlinzeka ngolwazi mayelana nesimo sakho sezezimali. Cishe uzodinga ulwazi olulandelayo ukuze inqubo ihambe kahle:

• I-Numéro de sécurité sociale
• Amakheli amanje nawesikhathi esedlule
• Ulwazi lwamanje nolwedlule lomsebenzi
• Isamba semali engenayo kanye nemithombo yemali engenayo
• Ulwazi nganoma yisiphi esinye isikweletu okungenzeka unaso

Ngokuvamile, inqubo yokugunyaza ihlanganisa ukuhlola amaphuzu akho esikweletu futhi ingase iqale ngokufaneleka kwangaphambili. Lokhu kungase kubangele ukudonseka kancane kusikweletu sakho, okusho ukuthi ngeke kuthinte amaphuzu akho esikweletu.

Uma ugunyazwe kusengaphambili futhi uqhubekela phambili nesicelo esiphelele, umbolekisi ngokuvamile uzokwenza imibuzo enzima ngesikweletu sakho.

Okungaholela ekwehleni kwakho amaphuzu esikweletu. Futhi noma ngabe usuphumelele, imigomo yakho yemalimboleko nokugunyazwa kungase kuhluke lapho ufaka isicelo esiphelele. Kodwa inqobo nje uma wenza zonke iziqhathaniso zemalimboleko yakho esikhathini esifushane, ngeke kube nomthelela omubi esikweletini sakho.

🥀 Izinyathelo zokuthola imali mboleko yemoto

Emva kwakho konke lokhu engikutshele khona ngenhla, usuyazi ukuthi uyayidinga imali yokubolekwa imoto noma cha. Ake sithi uyayidinga futhi umbuzo ovuthayo ukuthi ungayithola kanjani? Nazi izinyathelo okufanele uzilandele ukuze uthole imali mboleko yemoto ekufanele.

✔️ Isinyathelo 1: Nquma ukuthi ufuna imoto entsha noma esetshenzisiwe

Nquma ukuthi ufuna imoto entsha noma isekeni libalulekile. Lokhu kungancika ezintweni ezihlukene, njengezimali zakho, impilo yomndeni kanye nenani lokuhamba. Izimoto ezintsha zizohlala isikhathi eside, kodwa inani lazo lizokwehla ngokushesha.

Kodwa-ke, ungathola amanani enzalo angcono emalini ebolekiwe yemoto entsha ngoba uma uhluleka ukuboleka imali, umbolekisi angakwazi ukuyithengisa kabusha imoto ngenani eliphezulu.

Isikweletu semoto esetshenzisiwe ngokuvamile sithengeka kakhulu, kodwa imoto ingase idinge ukunakekelwa okwengeziwe, okungase kuhlanganiswe ngokuhamba kwesikhathi.

✔️ Isinyathelo sesi-2: Thola ukuthi yimalini ongayisebenzisa emotweni

Bheka isikhathi eside ezezimali zakho bese unquma ukuthi yimalini ongayisebenzisa emotweni yakho. Ungabeka malini kweyodwa ukukhokha ube ngaphambili ? Ngemva kokuthola leyo nombolo, cabangela izindleko eziqhubekayo zokuba nemoto, njengephethiloli, umshuwalense wemoto, nokuyinakekela njalo.

Ekugcineni, kuthiwani ngemalimboleko ngokwayo? Uma isikhathi sokubolekwa sisinde, kuzofuneka ukhokhe kancane kancane njalo ngenyanga. Kodwa okubi wukuthi uzogcina usukhokha inzalo eningi, okuholela ekutheni ukhokhe imali ethe xaxa kunaleyo eyifanele imoto. Cabangela zonke lezi zinto lapho unquma ibanga lakho lentengo.

✔️ Isinyathelo sesi-3. Hlola umbiko wakho wesikweletu

Ukufaneleka kwakho kwekhredithi kuzoba nomthelela omkhulu ohlotsheni lwemalimboleko okuvunyiwe, ngakho hlola umbiko wakho wesikweletu ngaphambi kokugcwalisa isicelo. Uma amaphuzu akho esikweletu esingcono, iba ngcono nemibandela yakho yemalimboleko.

✔️ Isinyathelo sesi-4. Gcwalisa isicelo semalimboleko

Ngesicelo semalimboleko, uzocelwa ukuthi unikeze lonke noma ingxenye yolwazi olulandelayo:

• Ulwazi oluyisisekelo (igama, ikheli, usuku lokuzalwa)
• I-Numéro de sécurité sociale
• Igama lomqashi wakho wamanje kanye nenani leminyaka yesevisi
• Iholo lakho
• Izinombolo ze-akhawunti yasebhange
• Ukuthi uyaqashisa noma ungumnikazi wendlu yakho
• Izindleko ezijwayelekile zanyanga zonke
• Umbiko wesikweletu

Khumbula ukuthi njalo uma ufaka isicelo sokubolekwa imali, kuvela embikweni wakho wesikweletu futhi kulimaza isibuyekezo sakho sesikweletu. Kodwa-ke, uma ufaka isicelo semali mboleko engaphezu kweyodwa Isikhathi sezinsuku eziyi-14, lokhu kuzobalwa njengesicelo esisodwa kuphela. Lesi sikhathi singahluka kuye ngamazwe.

✔️ Isinyathelo sesi-5. Thola ukugunyazwa kusengaphambili

Inani oligunyazwe ngaphambilini lizokunikeza umbono wesabelomali sakho esiphezulu. Uma uthola imali ebolekiwe kumdayisi, thola kusenesikhathi ukuthi ungagunyazwa kusengaphambili yini ukubolekwa imali.

Abadayisi abahlukene bazoba nezinqubo ezihlukene, kodwa abanye bazokuvumela ukugunyazwa kwangaphambili ngaphambi kokuba ukhethe imoto ethile.

✔️ Isinyathelo sesi-6. Thola ozosayina kanye naye, uma kudingeka

Kwesinye isikhathi ababolekisi bazokuvumela kuphela ukubolekwa imoto uma unomuntu osayina naye. Uma unamaphuzu esikweletu aphansi noma imali engenayo eyanele ukukhokhela izinkokhelo zanyanga zonke, umbolekisi angase adinge ukuthi ube nomuntu osayina naye emalini ebolekiwe.

Umuntu osayine naye ngumuntu onesikweletu esihle ovumayo ukuzibophezela ngokugcwele ekubolekeni uma kwenzeka iphutha lihluleka. Inkokhelo ibonakala kuyo yomibili imibiko yakho yekhredithi, ngakho qiniseka ukuthi lowo osayina naye uyiqonda ngokugcwele imigomo.

✔️ Isinyathelo 7. Khetha imoto

Khetha imoto evumelana nezidingo zakho kanye nesabelomali sakho. Xoxisana ngesivumelwano esingcono kakhulu semoto kanye nenani lemalimboleko yakho, bese uthola ukuthi uzodinga ukukhokha malini inyanga ngayinye.

Imibuzo Ebuzwa Ngemalimboleko Yemoto

Uyini umehluko phakathi kwesikweletu sakudala kanye ne-LOA yemoto?

Ukuqasha nge-Option to Purchase (LOA) ngokuvamile kuhlanganisa ukunakekelwa kanye nomshwalense ngaphezu kokuxhasa ngezimali. Ikhredithi yakudala iphathelene kuphela nokuthenga. Kodwa i-LOA isho imikhawulo yemayela.

Kungani umnikelo womuntu siqu ubaluleke kangaka emalimboleko yemoto?

Uma umnikelo umkhulu, amabhange engeziwe anikeza inani lenzalo elinenzuzo ekuxhasweni kwezimali, okunciphisa ngokuphawulekayo inani lezindleko zesikweletu.

Ingabe umshwalense wemoto ohlinzekwa yibhange uyimpoqo?

hhayi, ungathatha umshwalense wemoto nomshwalense owukhethile inqobo nje uma uveza izinga elanele lesiqinisekiso emehlweni ebhange.

Ingabe imalimboleko yemoto ihlanganisa nezinye izinkokhelo?

yebo, kufanele futhi ucabangele izimali zebhange zokugcwalisa, izimali zokubhalisa, mhlawumbe isiqinisekiso semishini, njll. Qaphela kuwo wonke la maphuzu.

Indlela yokuxoxisana kahle ngesikweletu sakho semoto?

Qhathanisa okunikezwayo, yazi ifayela lakho kangcono, yenza umncintiswano udlale ngokubonisa okunikezwayo okuhle kakhulu okuphikisayo, futhi ungangabazi ukucela ukuthi izindleko ezithile zihoxiswe.

🥀 Ukuvala

Kulesi sihloko, sibuyekeze izici ezihlukahlukene ezibalulekile kodwa ngokuvamile ezinganakwa zokuthola imali yemoto: ubuqili phakathi kwe-LOA nekhredithi evamile, ukubaluleka komnikelo womuntu siqu, izingibe zomshuwalense, noma zonke izindleko ezengeziwe. .

Kusukela manje kuqhubeke, usunawo wonke amakhadi esandleni ukuze ukhethe isikweletu sakho semoto ngolwazi olugcwele lwamaqiniso. Thatha isikhathi sokuqhathanisa okunikezwayo okuhlukile okuvela emabhange nabathengisi, usebenzisa isifanisi esiku-inthanethi, ngokuya ngezidingo zakho.

Futhi ungangabazi ukuxoxisana ngokuqinile ukuze uthole izimo ezinhle kakhulu! Isikhathi esincane esichithwe ngaphambili sizokongela ukudumala okuningi kamuva. Manje usukulungele ukuqalisa futhi uxhase ngokuthula ngezimali ukuthengwa kwemoto yakho elandelayo. Okusele ukuthola imodeli yamaphupho akho! Umgwaqo omuhle!

Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukuvumela ukuba wenze kanjalo master ukuhweba ngehora eli-1 nje.