Uceba ukuthenga imoto entsha?
Into yokuqala ekufuneka uyijongile linqaku lakho letyala. Phambi kokuba ukhethe imoto, cwangcisa ii-EMIs zakho kwaye ulungiselele uhlahlo lwabiwo-mali lwakho kufuneka wazi ukuba uza kufumana imali-mboleko okanye hayi.
Amanqaku ekhredithi yeyona nto ibalulekileyo eqwalaselwa ziibhanki xa zivuma imali-mboleko. Ingakumbi imali mboleko yemoto kunye nezicelo zekhadi letyala.
Ngokuxhomekeke kumanqaku akho etyala, izinga lakho lenzala liyachazwa ngokunjalo. Ungagcina isixa esifanelekileyo semali ekuhambeni kwexesha ngamanqaku aphezulu etyala.
Amanqaku ekhredithi aphakathi kwe-300-850. Kwimeko yokwenza isicelo semali mboleko yemoto, awona manqaku asezantsi etyala ukuze ufumane imvume ngama-730. Nangona kunjalo, usenokufumana inzala ephezulu kunesiqhelo.
Ukuba amanqaku akho angama-750 okanye ngaphezulu, amathuba okuba uya kufumana imvume ngoko nangoko ukuya kuthi ga kwi-90% yexabiso langaphambili legumbi lokubonisa lemoto oyikhethileyo.
Ngokukhethekileyo ndingatsho ukuba kufuneka ube namanqaku etyala angama-750 njengoko uninzi lwee-CA kunye neengcali zemali ziya kuba njalo.
Kodwa ngokusuka kumava am obuqu, ndifumene imali mboleko yemoto enamanqaku angama-730.
Kwiinyanga ezimbalwa ezidlulileyo ndithenge imoto yam yokuqala - iHyundai Venue SX. Ekubeni ndandikwishumi elivisayo, andizange ndibe nembali yetyala yonyaka wonke.
Endaweni yoko, bendineenyanga ezisi-7 zembali yokuthengiselana ngekhadi letyala ukuxhasa isicelo sam semali-mboleko.
Ndenze iimpazamo ezimbalwa zokungahlawuli i-credit card bill ngexesha - ndacinga ukuba ndimise ngempumelelo i-auto-debit feature kwaye i-bill iya kuhlawulwa ngaphandle kokubandakanyeka kwam.
Kwakungenjalo. Ndigqibele ndiphosa iintlawulo ezi-2 kwaye amanqaku am etyala ehle aya kuma-730.
Ndisayifumene imali-mboleko yam kwibhanki ye-ICICI.
Into endiyifundileyo kwinkqubo yayizizifundo ezintathu ezinkulu:
- Soloko ujonge amanqaku etyala angama-750 nangaphezulu
- Soloko unamaxwebhu ahlaziyiweyo engeniso
- Ungaphoswa ziintlawulo zenyanga ngamakhadi okuthenga ngetyala kunye neemali-mboleko
Nangona kunokwenzeka ukuba ufumane imali-mboleko yemoto kumanqaku angama-730, kufuneka uzame ngokuqinisekileyo ukuyiphucula kwaye uyithathe ibe ngaphezulu kwama-750. Ngawona manqaku afanelekileyo ukuze ube ngumthengi onesidima ngokwezimali emehlweni amaziko emali.
Naliphi na inqaku elingaphantsi kwama-750 lithathwa ngokuba lihlwempuzekile ngokuphakathi.
Oku kuthetha ngokuthe ngqo ukuba uphose iintlawulo, uhlawuliswe ngenxa yokulibaziseka kweentlawulo zetyala okanye ukusilela. Konke oku kuliphupha elibi kuwe njengoko iibhanki zidume ngokugxotha nasiphi na isicelo ngokusilela okanye ukuphoswa kweentlawulo kwiingxelo zabo zetyala.
Iibhanki ezingcono kakhulu zaseIndiya zokufumana imvume yokubolekwa kwemoto ngokukhawuleza kunye nenani letyala elincinci le-730 yi-HDFC, i-ICICI kunye neebhanki ze-IndusInd.
Ndiyathemba ukuba uyifumene impendulo yombuzo wakho. Isinyathelo esilandelayo kukufaka isicelo semali mboleko yemoto kunye nobuncinci be-20% yentlawulo ephantsi esandleni. Ukuba amanqaku akho etyala angaphezulu kwama-750, uya kufumana i-90% yeendleko ze-ex-showroom yemoto.
Qinisekisa ukuba ugcina ubuncinane i-20% yeendleko zemoto zokuhlawula i-inshurensi, irhafu kunye nezinye iindleko ezingalindelekanga ezinokuthi zenzeke.
Akukho mibuzo? Ndazise ngokushiya uluvo olungezantsi.
Shiya iMpendulo