Ngakho-ke kufanele ubeke malini emotweni yakho elandelayo? Umthetho wesithupha ovame ukucashunwa uwukubeka phansi okungenani ama-20% wentengo yokuthenga emotweni yakho elandelayo. Uma ufuna futhi ukwazi ukubeka phansi okwengeziwe, kuzokusiza ukwehlisa izinkokhelo zakho zenzalo kanye nezinkokhelo zanyanga zonke.
Ngokufanayo, Iyini inkokhelo yemali mboleko yemoto engu-$15000? Usebenzisa ifomula engenhla, ungakwazi ukulinganisa inkokhelo yakho yanyanga zonke yemibandela ehlukahlukene yemalimboleko ibe: Izinyanga eziyi-12: $1269.25. Izinyanga eziyi-24: $643.99. Izinyanga eziyi-36: $435.49.
Yimalini okufanele uyibeke phansi ku-$12000 ngoba? Inkokhelo ye-u201cA evamile ngokuvamile iba phakathi kuka-10% no-20% wesamba senani lentengo. Sinemalimboleko yemoto engu-$12,000, kungaba njalo phakathi kwama- $ 1,200 kuya ku- $ 2,400. Uma sekuyiwa emalini yokukhokha, uma ubeka phansi kakhulu, kuzoba ngcono ngokuhamba kwesikhathi ngoba lokhu kunciphisa imali ozoyikhokhela imoto ekugcineni.
Uzibala kanjani izinkokhelo zenyanga zemoto? Ukuze ubale inkokhelo yakho yemalimboleko yemoto yanyanga zonke ngesandla, hlukanisa inani eliphelele lemalimboleko nenzalo ngesikhathi semalimboleko (inani lezinyanga okufanele uzikhokhele imali mboleko). Isibonelo, inzalo ephelele ku- $ 30,000, imali mboleko yezinyanga ezingama-60 ku-4% ingaba $ 3,150.
Okwesibili Kufanele ubeke malini emotweni engu-14000? Intengo yemoto inquma ukuthi ingakanani imali okufanele uyibeke phansi
Intengo Yemoto | 15% Phansi | 20% Phansi |
---|---|---|
$14,000 | $2,100 | $2,800 |
$16,000 | $2,400 | $3,200 |
$18,000 | $2,700 | $3,600 |
$20,000 | $3,000 | $4,000 |
Ingabe abathengisi bathanda izinkokhelo ezinkulu?
“Eqinisweni kuwukwehlukana, kodwa ezimeni eziningi, abathengisi bayokujabulela ukuthatha imali yakho. Ngaphandle kokungena ku-jargon ngemuva kwayo, inani lesikhathi semali lisho ukuthi imali esesandleni manje ibaluleke kakhulu kunesikhathi esizayo ngenxa yokwehla kwamandla emali. Ngakho-ke, inkokhelo enkulu ephansi ngokuvamile izobangela ukuba amehlo omthengisi akhanye.
bese Ngabe izinyanga ezingama-72 zinde kakhulu ukubolekwa imoto? Ukubolekwa kwezimoto ngezinyanga ezingaphezu kwezinyanga ezingama-60 akuyona indlela engcono kakhulu yokuxhasa imoto ngoba, phakathi kokunye, banenzalo ephezulu yemalimboleko yemoto. …U-Experian uveza lokho 42.1% yabathengi bezimoto ezisetshenzisiwe bathatha imali ebolekiwe yezinyanga ezingama-61- kuya kwezingama-72 kuyilapho u-23% ehamba isikhathi eside kakhulu, uxhasa ngezimali phakathi kwezinyanga ezingama-73 nezingama-84.
Kungani ungalokothi ubeke imali emotweni? It ayikwazi ukumiswa kodwa ukwenza inkokhelo enkulu ephansi kukunikeza isiguqo phakathi kwenani lemoto nenani olikweleta ngemali mboleko. Uma inani lemalimboleko yakho liphakeme kunenani lemoto yakho, usesimweni sokulingana esingalungile, okungalimaza amathuba akho okusebenzisa inani lemoto yakho phansi komgwaqo.
Ingabe i-10k iyinkokhelo enhle yemoto?
Njengomthetho ojwayelekile, hlose hhayi ngaphansi kuka-20% phansi, ikakhulukazi ezimotweni ezintsha - futhi ungabi ngaphansi kuka-10% ezimotweni ezisetshenzisiwe - ukuze ungagcini ukhokha inzalo eningi nezindleko zezimali. Izinzuzo zokwenza inkokhelo ephansi zingabandakanya inkokhelo yanyanga zonke ephansi kanye nenzalo encane ekhokhwa phakathi nesikhathi semali mboleko.
Isiphi isikolo esihle sesikweletu sokuthenga imoto? Yisiphi Isilinganiso Esiphansi Esidingekayo Ukuze Uthenge Imoto? Ngokuvamile, ababolekisi babheka ababoleki ebangeni eliphambili noma elingcono, ngakho uzodinga amaphuzu I-661 noma ngaphezulu ukuze ufanelekele ukubolekwa izimoto eziningi ezijwayelekile.
Ingabe abathengisi bezimoto bayabazonda abathengi bemali?
Abathengi bemali be-Diehard bavame ukuphoxeka ngalokhu futhi bathukuthelele umdayisi wabo wezimoto, kodwa iqiniso liwukuthi, umthengisi akakwazi ukulawula lokhu. Kukhona indlela elula yokuzungeza, nokho. Izinkampani zezimali ezinikeza izaphulelo ziyayenga ukuthi uxhase ngezimali, vele, ukuze wenze imbuyiselo ngamanani enzalo.
Ingabe abathengisi bezimoto bahlobene nesikolo sakho sesikweletu? Abanye abathengisi bathembele eqinisweni lokuthi abathengi abaningi bezimoto abawazi amaphuzu abo esikweletu. … Okudingekayo nje ukuthi umthengisi akuqambe amanga mayelana nesikolo sakho. Ngemuva kokuhlola isikweletu, akudingeki ukuthi baveze ukuthi isikolo sakho siyini, bangakutshela nje ukuthi ngeke ufanelekele amazinga okuncintisana ezezimali.
Iyini inkokhelo yemoto ephezulu?
Ngokusho kochwepheshe, inkokhelo yemoto iphezulu kakhulu uma inkokhelo yemoto ingaphezu kuka-30% wesamba sakho semali engenayo. Khumbula, inkokhelo yemoto akuyona ukuphela kwezindleko zemoto yakho! Qiniseka ukuthi ucabangela izindleko zikaphethiloli nezokulungisa. Qiniseka ukuthi inkokhelo yemoto yakho ayidluli u-15% -20% wesamba semali engenayo yakho.
Iyini i-APR ehloniphekile yokubolekwa kwemoto?
Kusukela ngoJanuwari 2020, i-US News ibika izibalo ezilandelayo zesilinganiso sezilinganiso zemalimboleko yezimoto: Kuhle kakhulu (750 – 850): 4.93% kokusha, amaphesenti angu-5.18 asetshenzisiwe, amaphesenti angu-4.36 okuthola kabusha imali. Okuhle (700 – 749): amaphesenti angu-5.06 kokusha, amaphesenti angu-5.31 asetshenzisiwe, amaphesenti angu-5.06 okuthola kabusha imali.
Ingakanani imoto engingayixhasa ngezimali izinyanga ezingama-84? Ngokuvamile, isikhathi semali ende kunazo zonke ozosithola sithi iminyaka eyisikhombisa, noma izinyanga ezingu-84. Kukhona nokho abanye ababolekisi abazonweba uxhaso lwezimoto esezike zasetshenziswa lube yizinyanga ezingama-92 noma ezingama-96, noma lufike eminyakeni eyisishiyagalombili. Ngo-2018, ama-55% emali ebolekiwe yezimoto entsha eyaqalwa bekuyizinyanga ezingama-84.
Iyiphi inkokhelo engcono kakhulu yemoto? Ngokuvamile, kufanele ulwele ukwenza inkokhelo ephansi okungenani i-20% yentengo yokuthenga imoto entsha. Ezimotweni ezisetshenzisiwe, zama okungenani u-10% wehle. Uma ungakwazi ukukhokhela inani elinconyiwe, beka phansi okuningi ngangokunokwenzeka ngaphandle kokukhipha imali oyilondolozile noma imali yezimo eziphuthumayo.
Kufanele ubeke malini emotweni engu-30000?
Abanye ababolekisi abadingi inkokhelo ephansi yemali mboleko, kodwa kuwumqondo omuhle ukubeka okungenani amaphesenti angu-20 phansi noma ngendlela, ngokusho kwe-Money Under 30.
Ingabe i-$ 2000 iyinkokhelo enhle yemoto? Umthetho omuhle wesithupha wokukhokha imali ebolekiwe yemoto entsha 20% yenani lokuthenga. Ukukhokha okungu-20% noma ngaphezulu kuyindlela yokugwema “ukubheka phansi” emalini ebolekiwe yemoto (ukukweleta imoto eningi kunalokho ekufanele).
Kufanele ngibeke malini emotweni ye-20k?
Umthetho omuhle wesithupha wokukhokha imali ebolekiwe yemoto entsha 20% yenani lokuthenga. Ukukhokha okungu-20% noma ngaphezulu kuyindlela yokugwema “ukubheka phansi” emalini ebolekiwe yemoto (ukukweleta imoto eningi kunalokho ekufanele).
Kufanele ngibeke u-50 phansi emotweni? Uma wenza inkokhelo enkulu ngempela, yisho nxazonke 50%, uzobona isikweletu sakho semoto sishintsha ngempela sibe ngcono. Ukwenza inkokhelo ephansi ibe enkulu njengo-50%t akuthuthukisi nje kuphela amathuba akho okugunyaza imali mboleko yemoto, futhi: Kwehlisa izinkokhiso zenzalo. Ikunikeza inkokhelo yanyanga zonke encane kakhulu.
Kufanele kube yimalini inkokhelo yemoto?
Uma kukhulunywa ngokukhokha phansi emotweni entsha, kufanele uzame ukumboza okungenani ama-20% wentengo yokuthenga. Ngemoto esetshenzisiwe, ukukhokha okuphansi okungu-10% kungakwenza. Ingxenye yesinqumo sakho izoncika lapho amaphuzu akho esikweletu emi khona.
Ithini i-APR enhle yemoto ka-2021? Isilinganiso senzalo yemoto entsha ngo-2021 4.09% no-8.66% osetshenzisiwe , ngokusho kuka-Experian. Isikolo sesikweletu, kungakhathaliseki ukuthi imoto yintsha noma isetshenzisiwe, futhi isikhathi sokubolekwa sinquma kakhulu izilinganiso zenzalo.
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Isigaba samaphuzu esikweletu | Isilinganiso semalimboleko engu-APR yemoto entsha | Isilinganiso semalimboleko engu-APR yemoto esetshenzisiwe |
---|---|---|
I-Super Bounty (781 kuya ku-850) | 2.34% | 3.66% |
• Septhemba 1, 2021
Ngabe ama-725 amaphuzu amahle okuthenga ngesikweletu?
Unamaphuzu angama-725 kufanele ikuvikele kalula isikweletu semoto. Ngokwesilinganiso, isikolo sakho kufanele sikutholele inzalo ephakathi kuka-3.6- 4.6 naphakathi - namaphesenti angu-6 emotweni esetshenzisiwe. Izikolo ezingaphezu kuka-720 zinamathuba amaningi okuthi zikunikeze amanani aphansi wamaphesenti.
Yini okungafanele uyisho kumthengisi wezimoto? Izinto Eziyi-10 Ongafanele Uzisho Kumthengisi Wezimoto
- “Ngiyithanda ngempela le moto”…
- “Angazi kangako ngezimoto”…
- “Ukuhweba kwami kungaphandle”…
- "Angifuni ukuyiswa kubahlanzayo"…
- “Isikweletu sami asisihle kangako”…
- “Ngikhokha imali”…
- “Ngidinga ukuthenga imoto namhlanje”…
- "Ngidinga inkokhelo yanyanga zonke engaphansi kwama- $ 350"
Yini okungafanele uyisho lapho uthenga imoto?
Izinto Ezi-5 Ongazisho Uma Uthenga Imoto
- 'Ngiyayithanda le moto! '
- 'Kufanele ngikhokhe nyanga zonke ka-$350. '
- 'Isivumelwano sami sokuqashisa siyaphela ngesonto elizayo. '
- 'Ngifuna u-$10,000 wokuhwebelana kwami, futhi ngeke ngithathe ngisho nesenti elincane. '
- 'Sengiwubheke wonke lombala. '
- Ulwazi lungamandla.
Imalini izokwehla ngentengo yemoto entsha?
Ukunikezwa kwe 3-5% ngaphezulu Izindleko zemoto entsha zomthengisi ziyisipho esamukeleka kakhulu lapho uthenga imoto entsha. Nakuba kungeyona inzuzo enkulu, umdayisi uzodayisa imoto entsha ngo-3-5% wemalini nganoma yiluphi usuku lwesonto.