Uhlela ukuthenga imoto entsha?
Into yokuqala okudingeka uyihlole isikolo sakho sekhredithi. Ngaphambi kokuthi ukhethe imoto, hlela ama-EMI akho futhi ulungise isabelomali sakho okudingeka wazi ukuthi uzoboleka yini noma cha.
Amaphuzu esikweletu yisici esisodwa esibaluleke kakhulu amabhange asibheka lapho egunyaza imali ebolekiwe. Ikakhulukazi imali mboleko yemoto kanye nezicelo zekhadi lesikweletu.
Ngokuya ngesikolo sakho sesikweletu, izinga lakho lenzalo liyachazwa futhi. Ungagcina inani elihloniphekile lemali ngokuhamba kwesikhathi ngamaphuzu aphezulu esikweletu.
Amaphuzu esikweletu aphakathi kuka-300-850. Esimeni sokufaka isicelo semali mboleko yemoto, amaphuzu amancane esikweletu ukuze uthole ukugunyazwa ngu-730. Nokho, ungase uthole isilinganiso senzalo esiphezulu kunokuvamile.
Uma isikolo sakho singama-750 noma ngaphezulu, kungenzeka ukuthi uzothola ukugunyazwa okusheshayo kufika ku-90% yenani lentengo yangaphambili yegumbi lombukiso lemoto oyikhethayo.
Ngokukhethekile bengizothi kufanele ube nesikolo sesikweletu esingu-750 njengoba ama-CA amaningi kanye nochwepheshe bezezimali bengenza.
Kodwa ngokuhlangenwe nakho kwami siqu, ngathola imali ebolekiwe yemoto enamaphuzu angama-730.
Ezinyangeni ezimbalwa emuva ngithenge imoto yami yokuqala - iHyundai Venue SX. Njengoba ngisemusha, ngangingenawo umlando wokuthenga ngesikweleti unyaka wonke.
Kunalokho, ngibe nezinyanga ezingu-7 zomlando wokwenziwe ngekhadi lesikweletu ukuze ngisekele isicelo sami semalimboleko.
Ngenze amaphutha ambalwa ngokungakhokhi isikweletu sekhadi lesikweletu ngesikhathi - ngacabanga ukuthi ngimise ngempumelelo isici sedebithi ezenzakalelayo futhi isikweletu sizokhokhwa ngaphandle kokuzibandakanya kwami.
Kwakungenjalo. Ngigcine ngiphuthelwe yizinkokhelo ezi-2 futhi isikolo sami sekhredithi sehle safinyelela ku-730.
Ngisayitholile imalimboleko yami ebhange le-ICICI.
Engakufunda kulolu hlelo kwakuyizifundo ezintathu ezinkulu:
- Hlala njalo uhlose ukuthola amaphuzu esikweletu angu-750 nangaphezulu
- Hlala unemibhalo ebuyekeziwe yemali engenayo
- Ungaphuthelwa izinkokhelo zanyanga zonke zamakhadi esikweletu nezimalimboleko
Nakuba kungenzeka ukuthi uthole imali ebolekiwe yemoto ngamakhredithi angu-730, kufanele uzame ngokuqiniseka ukuyithuthukisa futhi uthathe ngaphezu kuka-750. Lokho amaphuzu afanelekile ukuze ube umthengi ohloniphekile wezezimali emehlweni ezikhungo zezimali.
Noma yimaphi amaphuzu angaphansi kuka-750 athathwa njengabampofu ngokumaphakathi.
Lokhu kusho ngokuqondile ukuthi weqiwe yizinkokhelo, ukhokhiswe inhlawulo ngenxa yokubambezeleka kwezinkokhelo zezikweletu noma ube nokungakhokhi. Konke lokhu okuyiphupho elibi kuwena njengoba amabhange achitha kabi noma yisiphi isicelo ngokuzenzakalelayo noma esigejayo emibikweni yawo yezikweletu.
Amabhange aseNdiya angcono kakhulu okuthola imvume yemalimboleko yemoto esheshayo enenani lesikweletu elincane elingu-730 amabhange e-HDFC, ICICI kanye ne-IndusInd.
Ngethemba ukuthi uyitholile impendulo yombuzo wakho. Isinyathelo esilandelayo ukufaka isicelo semali mboleko yemoto okungenani u-20% wenkokhelo ephansi esandleni. Uma isikolo sakho sesikweletu singaphezu kuka-750, uzothola u-90% wezindleko zegumbi lombukiso langaphambili lemoto.
Qiniseka ukuthi wonga okungenani u-20% wezindleko zemoto ukuze ukhokhele umshwalense, intela nezinye izindleko ezingalindelekile ezingase zenzeke.
Noma yimiphi imibuzo? Ngazise ngokushiya amazwana ngezansi.
shiya impendulo