Ingaba kuluncedo ukuba uthathe imoto ngaphandle intlawulo phantsi?

Market, ebonelela-mboleko, kufuneka kuthelekiswa ndawonye nentsimi yokulwa namhlanje, leyo, njengokuba thina siyazi, zonke ezilungileyo. Akukho ngaphandle kunye mboleko yokuthenga imoto. Ngelo nabathengisi xesha ziye zathathelwa ingqalelo ukuba abanye abantu musa ukuthatha mboleko auto ngenxa yokuba akukho mali intlawulo phantsi. Kuba zaba bakankanyiweyo ngoku mboleko imoto iyafumaneka ngaphandle kwentlawulo phantsi.

Ukugunyazisa?

Nangona yokuba kulo mzekelo wabonakalisa ukunyaniseka, imali-mboleko imoto ngaphandle umrhumo oko kuya kuvunywa kuphela kwabo ilingane imiqathango ethile. Akukho nasinye iibhanki azisayi kukhupha mboleko ukuba umboleki sele bengekafiki kwiminyaka engama-21, yaye inkoliso ngetyala kunye namaziko ezemali uya kundikhanyela abo sele bethathe umhlala. Enye yeemfuno ezibaluleke kakhulu izinga lengeniso. Apha iibhanki zihlukaniswe izimvo. Ezinye zifuna ubonelelo reference, umvuzo kufuneka ngokwaneleyo ukugcina iintlawulo zenyanga azikho ngaphezu kwesiqingatha kuyo. Eli xabiso iya kuxhomekeka ngokupheleleyo oko yebhanki kwakho. Ezinye iibhanki nga 'ukuvala amehlo abo' yokuba isatifikethi, uya kuba nako ukuqinisekisa ingeniso, kodwa kuya kufuna amaxwebhu nayiphi na ipropati, yokundwendwela okanye kolunye uxwebhu.

Car loan kungekho ntlawulo phantsi - zonke simple ngokwenene?

Kucacile ukuba iimfuno iibhanki inokuba nomahluko kancinane, kodwa phantsi kwezi meko ufumana uninzi baseRashiya, abo ngenxa yaso nasiphi na isizathu ungxamile ukuthenga iimoto ezintsha, nangona iibhanki zisoloko bayakhuthazwa ukuba benze njalo nokuba ngaphandle imali intlawulo phantsi. Esona sizathu siphambili kule meko irhafu kwiinkqubo liboleke abanye, ukubonelela nokungabikho isavenge sokuqala. Oko kukuthi, ukuba amalungiselelo mboleko imoto kwinkqubo yamandulo, umyinge wenzala uya kuba 13-17%, kwaye ukuba uthathe imoto yakho ngetyala ngaphandle kwentlawulo okokuqala, izinga liphuma ku-30 ekhulwini. Kananjalo apha iquka iintlawulo zebhanki, umgaqo-inshorensi imoto kunye ngokwakho. Ngoku sibone indlela kungakanani lubekelwe ukuthenga imoto ngaphandle kwentlawulo phantsi.

Ke ukuba niphikele ufuna?

Xa kunjalo, ukuba niphikele ufuna ukuthenga imoto entsha kraca "ngoku", uze ucinge phambi ubambe isindululo sokuqala-nazo. Ezi nkqubo zizinike ukuba iibhanki ezininzi, ngoko umele kuqala uhambe kwemibutho eyahlukeneyo uze uthelekise iimeko. Kufuneka ithathelwe ingqalelo: ukuba mboleko imoto ngaphandle kokuba intlawulo phantsi wanikela ngomyinge ngezantsi-11%, ibhanki iya kakhulu ukuba intsilelo ukuba zincitshiswe ikhomishini ngolwaa qho ngenyanga, ukuze kunifumana sisiqingatha nezicelo. Kwakhona kusebenza ezinye iinkqubo ezifanayo: Ibhanki soze kusebenza ilahleko.

Emva kokukhetha imveliso ekunene kufuneka uqokelele i iphakheji yamaxwebhu, uluhlu apho uya kunikwa ibhanki. Okukhona obukholisayo amandla akho okuhlawulela iya kuqinisekiswa, kube lula kuwe ukuba ube mboleko imoto ngaphandle kokuba intlawulo phantsi, ukongeza, izinga mboleko iza kuba ngaphantsi kakhulu.