Amathiphu okuxhasa ngezimali zokuthenga kwakho kuqala, noma okulandelayo, ukuthengwa kwe-RV
Abantu abaningi abaya kumthengisi onesondo eligcwele imali bese bethenga i-RV entsha. Njengokuthenga okuningi okukhulu, njengekhaya noma imoto, kuzodingeka uhlawule imali yakho. Uma uke wathenga ikhaya, imoto, isikebhe, noma yini phakathi, uyazi ukuthi kunzima kangakanani ukuvikela imali yokuthenga okukhulu. Uyazi futhi ukuthi ukwenza okulungile ukuxhasa imali kungakusiza izinkulungwane zamaRandi futhi wenze ukuthengwa okungabizi kakhulu ngokuhamba kwesikhathi.
Ake sibheke ukuthi yini okudingeka ukwazi ngaphambi kokuthola imali ukuze uqiniseke ukuthi uthole okungcono kakhulu okusemandleni akho.
Yiziphi Izinkomba Ukuqaphela Indlela Ozikhokhela I-RV?
Kunezici eziningana zokunquma ukuthi yiziphi izinhlobo zezimali nezindleko ongayithola ngeRV entsha noma esetshenzisiwe.
Amanani amanje
Njengemalimboleko yasekhaya ne-auto, ukubolekwa kwe-RV kanye nezindleko zenzalo akuzona izibalo. Amanani azokhula futhi anciphise kuye ngokuthi yini emakethe eyenzayo. Izinga lemali yokubolekwa kwemali ye-RV yama-rate ye-RV, ngakho-ke uma wazi izindleko zemoto eziphansi, kungase kube yisikhathi sokumangalela ekutholeni imali mboleko ye-RV.
Ikhredithi Yesikweletu
Njengazo zonke izinto kuleli zwe, amanani akho azoxhomeka kumaphuzu akho esikweletu. Okuphakanyiswayo kwekhadi lakho lesikweletu, amanani entengo ephansi oyothola. Isikweletu esiphansi sekhredithi asisho ukuthi awukwazi ukuthola into enhle. Thenga ezungeze ukuthola umuntu ongasebenza ngesikweletu sakho futhi athole amazinga aphansi kakhulu.
Inkokhelo yokubambisa
Kuye ngokuthi imali engakanani oyihlinzeka ngaphambili, ungathola i-APR engcono, imigomo yokukhokha, nokuningi ngokukhokha okuphansi.
Ngokufanelekile, ungathanda ukubeka amaphesenti angu-10 wezindleko eziphelele ze-RV phansi uma kungenzeka. Lokhu akusizi nje kuphela ukuqala ikhanda kulokho okukhokha kodwa futhi kuzokwehlisa izinkokhelo zanyangazonke futhi kukunika amandla lapho uxoxisana ukuze uthole imali yonke.
Yiziphi izindlela ezehlukene zezezimali nge-RV?
Ungakwazi ukukhokhela nge-dealership, noma ungakwazi ukuxhasa nge-third party njengebhange lakho.
Ake sibuke lezinketho ezahlukene zokuxhasa imali.
Ukuxhasa i-RV Ngomthengisi
Ngaphambi kokuba unqume ukukhokhela nge-dealer yakho futhi uthenge i-RV yakho, kubalulekile ukwenza ucwaningo lwakho. Hlola ukubuyekezwa kwabo ukuze ubone ukuthi yikuphi amakhasimende axoxe ngezimali kanye nezindleko zabo zenzalo. Uma kungenzeka, xhumana namanye amakhasimende ukuze ubone ukuthi bayajabula yini nge-deal abayitholile.
Kunezinye amabhonasi ngokukhetha ukukhokhela ngomthengisi. Inqubo ivame ukushesha futhi elula ngoba awudingi ukubuyela emuva phakathi nesikhungo sokuboleka kanye nomthengisi. Abanye abathengisi banganikela ngezinga eliphansi kakhulu lokuxhasa ngemali ngokukhushulwa nokuthengisa.
Kunamaphutha amaningi okuxhasa nge-dealer futhi. Izindleko ngokuvamile ngeke zibe ukuncintisana, futhi ngeke ube nama-APR amaningi nezinketho zokukhokha. Umdayisi angasebenzisa amaqhinga wokuthengisa aphakeme kakhulu ukuze akwazi ukusayina ngaphambi kokuba usakaze.
Imali kuphela nge-dealer uma uqiniseka ukuthi bazosebenza nawe ukuze uthole ukuthengiswa okungcono kunokwenzeka.
Ukuxhasa iRV ngokusebenzisa iBhange
Ibhange nalo liza nezinzuzo zalo. Ukusebenza nesikhungo esifanayo noma umbolekisi oye wasebenza nabo ngaphambi kokuthi bangakunika ukuqiniseka ukuthi bazosebenza nawe ukuze bathole okuningi futhi bangakunikeza imali uma ulahlekelwa ukukhokha.
Inzuzo enkulu yebhange lakho ukuthi ngeke kube ngumxhumanisi onjalo kumthengisi. Uzothola ngqo kumanani omthengi ngaphandle kwemakethe yomdayisi.
Kukhona ukungalungi kokusebenza nebhange. Ngokujwayelekile, bakunikeza nge-best deal, ngakho-ke akukho ukuxoxisana. Ngakho-ke, kuyinto eyodwa noma ayikho into. Futhi, ukuxhasa ngemali ebhange kungathatha izinsuku ezimbalwa lapho ungangena khona futhi uphume kumthengisi ngosuku olulodwa.
Kufanele Uzikhokhele kanjani i-RV?
Isiphakamiso sami kuwe ukuthi uzobona ukuthi yini enikeza umthengisi futhi ibhange lakho likunike, bese uhamba ne-deal financing deal. Uma umthengisi we-RV eqaphela ukuthi ngeke uzuze ngezimali futhi ubheka ezinye izinhlinzeko, bathola ngokwengeziwe.
Enye yezinto ezinhle kakhulu ongayenza ukuthola ngaphambi kokuvunywa ngebhange lakho futhi uthathe lezi zincwadi nawe kumthengisi.
Ngokuvamile umthengisi angathanda ukuthi uzikhokhele ukuze ukwazi ukusebenzisa lokhu njengendlela yokuxhumana. Into ebaluleke kakhulu ukuzishiya ngezindlela eziningana, ngakho-ke ungathanda ukwazi ukuthenga okuhle kakhulu futhi uthenge i-RV yamaphupho akho .