Ngoko ke kufuneka ubeke malini kwimoto yakho elandelayo? Umgaqo wobhontsi odla ngokukhankanywa kukubeka phantsi ubuncinane i-20% yexabiso lokuthenga kwimoto yakho elandelayo. Ukuba uyafuna kwaye uyakwazi ukubeka ngaphezulu, kuya kunceda ukuthoba iintlawulo zakho zenzala kunye neentlawulo zenyanga.
Ngokufanayo, Ithini intlawulo yemali mboleko yemoto eyi-15000 yeedola? Usebenzisa le fomula ingentla, unokuqikelela intlawulo yakho yenyanga ngokwemiqathango eyahlukeneyo yemali-mboleko ibe: iinyanga 12: $1269.25. iinyanga 24: $643.99. iinyanga 36: $435.49.
Yimalini kufuneka ubeke phantsi kwi $12000 kuba? U201cA intlawulo eqhelekileyo idla ngokuba phakathi kwe-10% kunye ne-20% yexabiso lilonke. Sine-$ 12,000 yemali mboleko yemoto, iya kuba njalo phakathi kwe- $ 1,200 2,400 kunye ne- $ XNUMX. Xa kufikwa kwintlawulo ephantsi, okukhona ubeka phantsi, kokukhona uya kuba ngcono ekuhambeni kwexesha kuba oku kunciphisa imali oya kuyihlawula imoto ekugqibeleni.
Uzibala njani iintlawulo zenyanga zemoto? Ukubala intlawulo yakho yenyanga yemali mboleko yemoto ngesandla, yahlula imali-mboleko kunye nesixa-mali senzala ngexesha lemali-mboleko (inani leenyanga okufuneka uhlawule imali-mboleko). Umzekelo, inzala iyonke kwi-30,000 yeedola, imali-mboleko yeenyanga ezingama-60 kwi-4% iya kuba yi-3,150 yeedola.
Okwesibini kufuneka ubeke malini kwimoto eyi-14000? Ixabiso lesithuthi limisela ukuba yimalini na ekufuneka uyibeke phantsi
Ixabiso leMoto | 15% Phantsi | 20% Phantsi |
---|---|---|
$14,000 | $2,100 | $2,800 |
$16,000 | $2,400 | $3,200 |
$18,000 | $2,700 | $3,600 |
$20,000 | $3,000 | $4,000 |
Ngaba abathengisi bathanda iintlawulo ezinkulu?
"Okunene luqhekeko, kodwa kwiimeko ezininzi, abathengisi baya kukuvuyela ukuthatha imali yakho. Ngaphandle kokungena kwi-jargon emva kwayo, ixabiso lexesha lemali lichaza ukuba imali esesandleni ngoku ixabisa ngaphezu kwexesha elizayo ngenxa yokunyuka kwamaxabiso. Ngoko ke, intlawulo enkulu ephantsi iya kubangela ukuba amehlo omthengisi akhanyise.
ke Ngaba iinyanga ezingama-72 zinde kakhulu kwimali mboleko yemoto? Imali-mboleko yemoto kwiinyanga ezingama-60 ayiyona ndlela ilungileyo yokuxhasa imoto kuba, enye into, bathwala inzala ephezulu yemali mboleko yemoto. ...I-Experian ityhila loo nto 42.1% kubathengi bemoto esetyenzisiweyo bathatha imali-mboleko yeenyanga ezingama-61 ukuya kwezingama-72 ngelixa i-23% ihamba ixesha elide, ixhasa ngemali phakathi kweenyanga ezingama-73 kunye nama-84.
Kutheni ungaze ubeke imali phantsi kwimoto? Yona ayinakunqandwa kodwa ukwenza intlawulo enkulu kukunika umqamelo phakathi kwexabiso lemoto kunye nesixa osibambayo kwimali-mboleko. Ukuba isixa-mali semali-mboleko yakho singaphezulu kwexabiso lesithuthi sakho, ukwimeko engalunganga yokulingana, nto leyo enokulimaza amathuba akho okusebenzisa ixabiso lemoto yakho endleleni.
Ngaba i-10k yintlawulo elungileyo yemoto?
Njengomgaqo jikelele, jolise hayi ngaphantsi kwe-20% phantsi, ngokukodwa kwiimoto ezintsha - kwaye akukho ngaphantsi kwe-10% phantsi kweemoto ezisetyenzisiweyo - ukuze ungagqibi ukuhlawula kakhulu inzala kunye neendleko zemali. Izibonelelo zokwenza intlawulo ephantsi zinokubandakanya intlawulo ephantsi yenyanga kunye nenzala encinci ehlawulweyo kubomi bemali-mboleko.
Liliphi inqaku elifanelekileyo letyala lokuthenga imoto? Leliphi elona nqaku lincinane lifunekayo ukuze kuthengwe iMoto? Ngokubanzi, ababolekisi bajonga ababoleki kuluhlu oluphambili okanye olungcono, ke uya kufuna amanqaku 661 okanye ngaphezulu ukuze ufumane iimali-mboleko zemoto eziqhelekileyo.
Ngaba abathengisi beemoto bayabathiya abathengi bemali?
Abathengi bemali ye-Diehard bahlala behlekwa yile nto kwaye bacaphuke kumthengisi wabo weemoto, kodwa inyaniso kukuba, umthengisi akanakuyilawula le nto. Kukho indlela elula yokuyijikeleza, nangona kunjalo. Iinkampani zezimali ezinikezela ngezaphulelo ziyakuhenda ukuba uxhase ngemali, ewe, ukwenza imbuyekezo ngenzala.
Ngaba abathengisi beemoto bayanxulumana ngamanqaku akho etyala? Abanye abathengisi baxhomekeke kwinto yokuba abathengi abaninzi beemoto abawazi amanqaku abo etyala. … Ekuphela kwento efunekayo kukuba umthengisi axoke kuwe ngamanqaku akho etyala. Emva kokuba betshekishe ngetyala, akufuneki baveze ukuba yintoni na amanqaku akho, banokukuxelela nje ukuba awuzukulungela ukhuphiswano lwemali.
Yintoni intlawulo yemoto ephezulu?
Ngokutsho kweengcali, intlawulo yemoto iphezulu kakhulu ukuba intlawulo yemoto ingaphezulu kwe-30% yomvuzo wakho uwonke. Khumbula, intlawulo yemoto ayikuphela kweendleko zemoto yakho! Qinisekisa ukuba uqwalasela iindleko zepetroli nezokugcina. Qinisekisa ukuba intlawulo yemoto yakho ayidluli kwi-15% -20% yomvuzo wakho uwonke.
Yintoni i-APR efanelekileyo yemali mboleko yemoto?
Ukusukela ngoJanyuwari ka-2020, Iindaba zase-US zinika ingxelo manani alandelayo kumyinge wemilinganiselo yemali mboleko yemoto: Egqwesileyo (750 – 850): 4.93 ekhulwini entsha, i-5.18 ipesenti esetyenzisiweyo, i-4.36 ipesenti ye-refinancing. Okuhle (700 - 749): ipesenti ye-5.06 entsha, i-5.31 yepesenti esetyenzisiweyo, ipesenti ye-5.06 yokubuyisela imali.
Ingaba ingakanani imoto endinokuyixhasa ngemali iinyanga ezingama-84? Ngokubanzi, elona xesha lemali-mboleko lide oya kulifumana iminyaka esixhenxe, okanye iinyanga ezingama-84. Kukho, nangona kunjalo, abanye ababolekisi abaya kwandisa imali yemoto esetyenzisiweyo ukuya kwiinyanga ezingama-92 okanye ezingama-96, okanye ukuya kuthi ga kwiminyaka esibhozo. Ngo-2018, i-55% yemali mboleko yemoto entsha yavela kwiinyanga ezingama-84.
Yeyiphi eyona ntlawulo ingcono yemoto? Ngokubanzi, kufuneka uzame ukwenza intlawulo ephantsi ubuncinane i-20% ngexabiso lemoto entsha. Kwiimoto esele zisetyenzisiwe, zama ubuncinci nge-10% phantsi. Ukuba awukwazi ukufikelela kwisixa esicetyiswayo, beka phantsi kangangoko unako ngaphandle kokugcina imali yakho okanye iimali zongxamiseko.
Kufuneka ubeke malini kwimoto ye-30000?
Abanye ababolekisi abafuni intlawulo ephantsi kwimali mboleko, kodwa yinto efanelekileyo yokubeka ubuncinane 20 ekhulwini phantsi nokuba indlela, ngokutsho Money Under 30.
Ngaba i-$ 2000 yintlawulo entle ephantsi kwimoto? Umgaqo omhle wobhontsi wentlawulo ephantsi kwimali mboleko yemoto entsha I-20% yexabiso lokuthenga. Intlawulo ephantsi ye-20% okanye ngaphezulu yindlela yokuphepha ukuba "ujonge phantsi" kwimali mboleko yemoto yakho (utyala ngaphezulu kwemoto kunokuba kufanelekile).
Kufuneka ndibeke malini kwimoto ye-20k?
Umgaqo omhle wobhontsi wentlawulo ephantsi kwimali mboleko yemoto entsha I-20% yexabiso lokuthenga. Intlawulo ephantsi ye-20% okanye ngaphezulu yindlela yokuphepha ukuba "ujonge phantsi" kwimali mboleko yemoto yakho (utyala ngaphezulu kwemoto kunokuba kufanelekile).
Ngaba ndibeke i-50 phantsi emotweni? Xa usenza intlawulo enkulu ngokwenene, thetha ngeenxa zonke 50%, uza kubona imali-mboleko yakho yemoto itshintsha ngokwenene ibengcono. Ukwenza intlawulo ephantsi ibe nkulu kangange 50%t ayiphuculi nje kuphela amathuba akho okufumana imvume yemali mboleko yemoto, kukwanjalo: Yehlisa inzala. Ikunika intlawulo encinci kakhulu yenyanga.
Kufuneka ibe yimalini intlawulo ephantsi kwimoto?
Xa kuziwa kwintlawulo esezantsi kwimoto entsha, kuya kufuneka uzame ukuyigubungela ubuncinane i-20% yexabiso lokuthenga. Kwimoto esetyenzisiweyo, i-10% yentlawulo ephantsi inokwenza. Inxalenye yesigqibo sakho iya kuxhomekeka apho amanqaku akho emboleko emi khona.
Yeyiphi i-APR elungileyo yemoto ka-2021? Umyinge wenzala yemoto entsha ngo-2021 I-4.09% kunye ne-8.66% esetyenzisiweyo , ngokutsho kwe-Experian. Amanqaku okuthenga ngetyala, nokuba yimoto entsha okanye isetyenzisiwe, kwaye ixesha lemali-mboleko ubukhulu becala limisela inzala.
...
Udidi lwamanqaku etyala | Umyinge wemali-mboleko ye-APR yemoto entsha | Umyinge wemali-mboleko ye-APR yemoto esetyenzisiweyo |
---|---|---|
I-Bounty enkulu (781 ukuya ku-850) | 2.34% | 3.66% |
• NgoSeptemba 1, 2021
Ngaba ama-725 ngamanqaku alungileyo okuthenga imoto?
Unamanqaku angama-725 kufuneka ikukhusele ngokulula imali mboleko yemoto. Ngokomyinge, amanqaku akho kufuneka afumane inzala phakathi kwe-3.6- 4.6 naphakathi-kunye ne-6 ekhulwini kwimoto esetyenzisiweyo. Amanqaku angaphezulu kwama-720 kusenokwenzeka ukuba akufumanele amanani asezantsi epesenti.
Yintoni ongafanele uyithethe kumthengisi wemoto? Izinto ezili-10 ongazithethi kuMthengisi weMoto
- "Ndiyithanda kakhulu le moto" ...
- "Andazi kakhulu malunga neemoto" ...
- "Urhwebo lwam lungaphandle" ...
- “Andifuni ukusiwa kubacoci” …
- "Ityala lam alilunganga kangako" ...
- "Ndibhatala imali" ...
- "Ndidinga ukuthenga imoto namhlanje" ...
- "Ndifuna intlawulo yenyanga ngaphantsi kweedola ezingama-350"
Yintoni ongafanele uyithethe xa uthenga imoto?
Izinto ezi-5 ongazithethi xa uthenga imoto
- 'Ndiyayithanda le moto! '
- 'Kufuneka ndifumane intlawulo yenyanga eyi-350 yeedola. '
- 'Isivumelwano sam sokuqeshisa siphelile kwiveki ezayo. '
- 'Ndifuna i-10,000 yeedola kurhwebo lwam, kwaye andizukuthatha nepeni ngaphantsi. '
- 'Kudala ndikhangela kulo mbala. '
- Ulwazi ngamandla.
Ingaba umthengisi uyakwehla kwixabiso lemoto entsha?
Unikezelo lwe 3-5% ngaphezulu Ixabiso lemoto entsha yomthengisi lixabiso elamkelekileyo kakhulu xa uthenga imoto entsha. Nangona ingeyongeniso enkulu, umthengisi uya kuthengisa isithuthi esitsha ngomyinge we-3-5% ngalo naluphi na usuku lweveki.