Indlela yokujonga imoto ngetyala okanye udibaniso ngaphambi kokuthenga: iindlela ezithembekileyo

Nangona imoto ingekho phantsi kokhuseleko, umnini wayo unako ukuyilahla njengoko ethanda. Kodwa i-scammers iyathandwa yi-cwangciso elandelayo:

• Thatha mboleko;
• Yenza impinda yePTS;
• Thengisa imoto;
• Ukuhamba.

Ngenxa yoko, umthengi usengozini esele ngaphandle kwemoto, apho ityala lomntu lingabuyiselwa khona. Kusuka kwinqaku esiyifunayo indlela yokujonga imoto ngekhredithi okanye ibheyile kwaye ingabanjwa kwinethiwekhi yebalasekisi.

Yintoni engenakwenziwa ngemoto ngebheyili?

Ngoxa uncedo lokubambisa, iintlawulo zemboleko zinikezelwa. Ngokuqhelekileyo, isibambiso siyakhutshwa nangona kuthengwe ukuthengwa. Kodwa ngamanye amaxesha ukukhutshwa kweminye imboleko kubonisa ukuba isibambiso sesithuthi.

Xa isivumelwano sesibambiso sigqityiwe, kwiimeko ezininzi iibhanki idibanisa isatifikethi sobugcisa sokugcinwa njengesiqinisekiso sokuthi asiyi kulahla le propati.

Nangona kunjalo, ukucima le ngongoma i-scammers ayibizi nayiphi na into. Emva koko, akukho mnye umntu ohlala kwizithuthi eziphantsi kobambiswano.

Kuthekani ngeebhanki?

Umbuzo ubangelwa ukuba kutheni iibhanki zingalwi nezinto ezinjalo. Kulula kakhulu. Kubo, akunandaba ukuba ngubani ofumana imoto, ukuba ityala alihlawulwa. Kwaye ukuba umthengi, xa efumana isithuthi, engazange azibonele phantsi kwesibambiso, oku akuyikumkhulula ukuba kunokwenzeka ukuba abuyele kwi-bhanki. Ngokuqhelekileyo kwenzeka: umdayisi akahlawuli mboleko, ibhanki ithatha imoto. Nangona uya enkundleni, ityala lidla ngokuphela kwebhanki. Ngako oko, umbuzo awunalutho: njani ukujonga imoto ngemboleko okanye umboleko?

Ngokuthengisa ngokuthe tye imoto ekhonjiweyo, bajika kwinkampani ethenga iimoto ezinjalo, ngokuvisisana nomthengi oza kuhlawula mboleko, kwaye umahluko phakathi kweendleko zemoto kunye nemali yemboleko iya kubuyiselwa kumthengisi.

Ungayiqonda njani ukuba imoto iphantsi kwesibambiso? Imiqondiso engacacanga

Zininzi iindlela zokuvavanya imoto yekhredithi okanye ibheyili ayilunganga ngqo. Nangona kunjalo, ukuba bonke bavumelana ngokubanzi, kunokwenzeka ngezinga eliphezulu lokunokwenzeka ukuba bathathe isibambiso esiphezulu kwipropati.

Ngoko, ngokuqhelekileyo ezi zilandelayo zimoyikiso.

1. Esikhundleni sokuqala kwintengiselwano, umthengisi unikeza impinda yesihloko. Kakade, nangona i-PTA yasekuqaleni akukho siqinisekiso sokuba imoto ayikho phantsi kokhuseleko. Iibhanki ezininzi azidingi lo mbhalo, kodwa yenza nje ikopi. Emva kwakho konke, ngaphandle kwayo, unokuthengisa ngokulula imoto ngokuphindaphindiweyo. Ngoko ke lo mlinganiselo awusayi kuqonda.
2. Imoto iyathengiswa iminyaka emithathu emva kokuthenga. Oku kunokubonisa ukuba wathengwa ngetyala. Emva koko, ngokuqhelekileyo umboleko wokuthengwa kwemoto ukhutshwa ixesha elingaphezu kweminyaka emithathu.
3. Ixabiso elincinane le klasi yemoto, kwindawo epheleleyo kunye ne-mileage encinci.
4. Ukungena kwipasipoti yesithuthi esithengiweyo imoto phantsi kwesivumelwano sekhomishini ngumboleko.
5. Umthengisi akakwazi ukubonelela ngamaxwebhu aqinisekisa into yokuthenga imoto. Kodwa eso sikontrakthi asiqinisekisi ukungabikho kwezenzo zobuqhetseba, ekubeni imoto inokubuyiswa kwakhona ngamaxesha amaninzi.

Ungayiqonda njani ukuba imoto iphantsi kwesibambiso? Imiqondiso eqondekileyo

Kukho nemiqondiso eqingqiweyo yesibambiso.

Ngoko, oku kuboniswa ngerekhodi kwingxelo yomthengi wekhredithi. Kodwa akukho zikho iindlela ezifanelekileyo zokujonga umlando wesikweletu namhlanje. Ngoko ke, akusoloko kulungele ukukholelwa kwingcaciso engekho mthethweni. Emva koko, iibhanki ngamanye amaxesha azikwazi ukufumana iimali-mboleko kubantu abaya kukhupha isibambiso. Kwaye umthengisi ngokwakhe akanakwenzeka ukutyhila inyaniso.

Kwenzeka ukuba kwimigaqo yeCASCO ibhanki iboniswe njengenzuzo. Le ngcaciso malunga nemboleko yemoto.

Kodwa, kwakhona, ukuba akukho zibonakaliso ezicacileyo, oku akuthethi ukuba umatshini uhlambulukile. Ukujonga njani imoto ngemboleko okanye umboleko? Emva koko, ayikwazi ukubeka kuphela kwiziko lebhanki, kodwa nakwi-pawnshop, kwanomntu wangasese. Kule meko, akunakwenzeka ukujonga imoto ngetyala.

Iindlela ezithembekileyo: Indlela yokujonga iinqwelo zokuKhuseleko

Ukusuka kwindawo yokujonga, ngokuqinisekileyo, umntu unokuya kuzo zonke iibhanki ezisebenza eRashiya ngesicelo: ingaba injalo imoto ephantsi kwesibambiso. Nangona kunjalo, akunakwenzeka ukuphumeza le nkqubo ngokusebenza. Ngelo xesha, ibhanki ayinyanzelwanga ukunika ulwazi malunga nabaxhasi, akanalo ilungelo lokutyhila le ngcaciso.

Ewe, kukho imfuneko yokwenza idilesi enye yeemoto ezithintekayo. Kwaye iingxoxo ezinjalo ziqhubeka iminyaka emininzi. Kodwa le nto ihlala ingaguquki ngoku.

Indlela ethembekileyo yokuvavanya imoto ngetyala kukufaka isicelo sokukhangela imoto ehlawulwayo kwiziko lokuthengisa. Kodwa nangona kunjalo le nto ayiyi kubakho ubungqina obuqinisekileyo bokuthi imoto ayixinzelelekanga ngamatyala. Isiseko sabo seebhanki kunye namaziko akabandakanyi onke amaziko alolu hlobo, ngaphandle kokunye. Kodwa amaziko amakhulu, ubuncinane, aqinisekisa ukuba imoto ayithengi kubo kunye namaqabane abo.

Kukho iinkampani eziqinisekisa ukuba emva kokuba uhlolisise imoto ngemboleko okanye umboleko ngaphambi kokuthenga kubo, unokuqiniseka ngokusemthethweni kwimeko yaso. Ukuba bathetha ukukhangela imoto kwiziseko zamapolisa zendlela, uyazi, kukuxhomekeka. Isebe lelayisenisi yokuqhuba ilayisenisi nelokuhlola aligcinanga irekhodi lezithuthi eziphantsi kokhuseleko. Kuphela ibhanki kunye nomboleki uyazi malunga nayo. Ngoko ke, akukho mntu unokunika isiqiniseko se-100%. Kwaye ukuba oko kuthembiswa ngumntu, oko kubonisa inkohliso.

Kuthekani ukuba imoto ikhuselekile?

Ngokuqinisekileyo, xa imeko enjalo icaca, ayiyonto imnandi kuyo. Umthengi onobuqhelo kwiimeko ezininzi ufunda malunga nesibambiso kuphela xa ibhanki ikhetha ukubuyisela imoto ngokungahlawulwanga.

Ikhetho lokuqala eliza engqondweni kukumangalela. Kungenzeka ukuba uya kusakwazi ukugcina imoto. Unokuphinda ucelomngeni ukuboshwa kwaye uqhubeke usebenzisa ipropati ehambayo.

Ukuba ityala lilahlekile kwaye imoto iyasuswa, umthengi unelungelo lokufuna umbuyekezo wemali ehlawulwe kumthengisi. Kakade, asinakuthetha ngokuthetha naye. Emva kwakho konke, kwakungengenxa yecalafti efanayo eyalela ukuba konke ukunikela ngemali ngokuzithandela ekupheleni. Kwaye mhlawumbi uya kuhlawula mboleko, kwaye awuzange ufunde ngokuphila kwayo, kodwa kwakungenakwenzeka ukuyiqonda. Kungenzeka ukuba ababolekisi baqokelele kakhulu, kwaye kuya kufuneka ukuba balinde ukujika kwabo.

Emva koko isigqibo senkundla singenziwa ngokuthandwa ngumthengi. Inkundla iya kukunyanzelisa ukuba ubuyisele imali, kodwa kunzima ukuyifumana, nangona unesigqibo ezandleni zakho.

Ngokuqhelekileyo, aba bathengisi abanalo nayipropati apho bafumane khona ukuhlengahlengiswa. Abanye, nangona kunjalo, baya kwiimeko ezinjalo kwizicwangciso ezifanayo, nje ukuthengisa imoto. Kodwa oku kunokuba isenzo esingenangqiqo kwaye, ngokuqinisekileyo, akukho mthethweni. Kunzima ukubonakalisa oko, kuba imvume yokubanjwa kwepropathi kufuneka isifike kwiipolisa zendlela. Kwaye ukuba baya kukwazi ukuhlala ngaphakathi kweli xesha, ngoko sinokuthi xa umthengi onobuqhetseba ephendukile waba ngubuqhetseba obufanayo. Kwaye umthengi wokugqibela, uya kuba nelungelo lokubiza imali kwi-penis. Uya kuba nethuba langempela kwisiganeko sokuthi umthengisi wakhe uyazi ngesigqibo senkundla. Nangona kunjalo, ukuba i-imeyile isebenze ngokukhawuleza njengoko yayisoloko ikhona, ngoko kwakungenakwenzeka ukubonisa ukuba umdayisi wayesazi malunga nokukhwaza.

Ungathini ukuba ube yintlanzi yabatyekisi?

Ngoko, ngokushwankathela konke oku ngasentla, uyazi njani ukuba imoto ikhonjiswe okanye ayikho? Ukuqinisekiswa kufuneka kuqinisekiswe. Emva koko, umngcipheko womthengi kulo mzekelo uninzi kunomthengisi. Ukuba kukho ukukhawuleza, umthengi ubeka ingozi ekulahlekelweni kwemali kunye nesithuthi sakhe.

Inkqubo yobuqhetseba injalo okokuba okokuqala umthengi akanakho ukukrokra:

• Imboleko ebhanki ibhaliswe kunye nomntu ongaphambili phantsi kwesiqinisekiso se-TS;
• I-Auto iyasetyiswa kuthengiswa ngentengo yexabiso;
• Eminye inyanga ezimbini ukuya kweenyanga ezintathu mboleko ihlawulwa, kwaye emva koko leyo mali iphela;
• Amanyathelo okuphanda aqalisiwe;
• Kuvela umnikazi omtsha wezithuthi, kodwa kwakhona unokurhoxiswa kwimoto.

Ukuqinisekiswa okuthembekileyo

Ukujonga njani imoto ngemboleko okanye umboleko? Iindlela ezinokuthenjwa:

1. Ukuba imoto inesiqinisekiso kwiCASCO, khangela ukuba kukho nawuphi na ubungqina bokufumaneka koxhamli.
2. Khangela inkontileka yokuqala: apho kuboniswe ukuba isithuthi sathengiswa ngetyala okanye cha.
3. Kunqweneleka ukuba kukho iTCP yokuqala.
4. Kucetyiswa ukuba ube namaxwebhu okuhlawula xa uthengisa imoto.

Isiphelo

Ukuba uthatha isigqibo sokuthenga imoto esetyenziswayo, qi niseka ukuba uchaze ixabiso langempela kwisivumelwano sokuthengisa. Emva koko, ukuba kukho ityala, uza kufumana ithuba elingcono lokubuyisela imali ngokupheleleyo.

Ngaloo ndlela, namhlanje akukho ndlela i-100% indlela yokufumanisa ukuba umatshini akakhokhredithi. Imali, nangona kunjalo, iyakwazi ukubonwa ngeenkcukacha ezingekho ngqo kwaye kungcono ukunqaba ukuthenga ukuba kukho intlangano.