Phakathi kwezona ndlela zinengeniso zokufumana iimoto, i ukukhwela imoto eMexico ukususela ngale nkqubo unokonga imali ukuze uthenge kamva kwesi sithuba uya kuba nako ukwazi yonke into efunekayo kulo mbandela.
Yintoni ukubetha imoto?
Ngexesha lokucelwa imali-mboleko yokuthenga isithuthi, kukho izinto ezimbini ezibaluleke kakhulu ekufuneka zikhunjulwe ngalo lonke ixesha, eyokuqala yintlawulo yokuhlawula ekufuneka ihlawulwe kwaye okwesibini, intlawulo yenyanga ekufuneka ihlawulwe. Intlawulo ehlawulweyo ichazwa njengentlawulo yokuqala ekufuneka yenziwe ngexesha lokusetyenzwa ukuze ufumane isithuthi.Ngokuphangaleleyo, isixa-mali esizisiweyo siya kuxhomekeka kwiintlawulo zenyanga eziya kuhlawulwa kamva, esoloko ekhumbula intlawulo yenyanga. imali ekuya kufuneka ihlawulwe, kuba Ngokubanzi, ukuba mkhulu isixa semali njengentlawulo ephantsi, kungcono.
Ubuncinci bemali ekufuneka inikezelwe kwintlawulo ephantsi njengoko kukhankanyiwe ngasentla iya kuxhomekeka kuzo zonke izavenge zenyanga, nangona kunjalo, ngokubanzi, umbutho wezezimali onika okufanayo nguye odla ngokugqiba, ngokuqhelekileyo intlawulo ephantsi yi-10. okanye i-20% yexabiso lilonke lemoto.
Abo bantu bafumana imali-mboleko yemoto badla ngokunikwa umlinganiselo wenzala omiselweyo, nangona kunjalo eyona nto ibalulekileyo apha sisixa-mali esipheleleyo sonyaka okanye ngaphantsi kwaziwa ngokuba yi- (CAT), ngenxa yesi sizathu kungcono ukukhangela i-CAT ephantsi kakhulu, kwaye oku kuzuzwa ngeendlela ezininzi.
Bonke abo bantu bafuna ukutyala imali, kodwa bengathandi ukuhamba rhoqo, into abanokuyenza kukufumana uhlobo lwesicwangciso apho banokuthenga khona isithuthi kwiinyanga ngaphandle komdla kuba ngale ndlela iCAT iya kuba sezantsi kunezinye. izicwangciso zentlawulo kuba uya kube uhlawula kuphela ixabiso lemoto.
Kwimeko apho isicwangciso seenyanga ngaphandle kwenzala ayifumanekanga, kubaluleke kakhulu ukuba kunokwenzeka ukufumanisa ukuba umbutho wezezimali apho i-credit ifunyenwe, inzala enayo, kunye neyona miqathango iphantsi. i-CAT, njengoko kuchaziwe ngaphambili, intlawulo yokuqala ephantsi ijikeleze i-20% kwaye iphakathi kwexesha leenyanga ezingama-36, oko kukuthi, iminyaka emi-3, ngokubanzi, i-CAT inokwahluka kwiziko ngalinye.
Isikhokelo sokugcina intlawulo ephantsi kwimoto
Okukhona wonge imali eninzi ukuze ufumane isithuthi esingcono kuba ngale ndlela akuyi kufuneka ufake isicelo setyala okanye imali-mboleko kuba unemali entsha yokuyinika njengesiqalo kwaye kuya kufuneka wenze kuphela inyanga nenyanga. Iintlawulo kwaye ziya kuba ngaphantsi kwaye ngale ndlela imali inokwabelwa ezinye izibophelelo ezinokuvela.
Iintlawulo ezinkulu zenyanga zijika zibe nzima kakhulu ukuzihlawula kwaye ukuba kukho ukulibaziseka ekuzihlawuleni, zihlala zivelisa inzala ephezulu ngokulibaziseka okuxeliweyo, ngokuba nengxelo ye-credit bureau iya kongezwa kwimbali yethu kwaye ke Ukwazi ukusetyenzwa. enye ikhredithi kwixesha elizayo iya kuba nzima kakhulu.
Siza kwazi uluhlu lweengqwalasela ekufuneka zigcinwe engqondweni ukuze ulondoloze ukuthenga isithuthi:
Zibekele imali
Kunzima ngokupheleleyo ukukwazi ukuhlawula, ukuvavanya ukuba yimalini ekufuneka ihlawulwe ukuba awukabikho uhlalutyo lwemeko yemali, kufuneka uphonononge ingeniso kunye nezibophelelo zenyanga, apha zibandakanya iintlawulo zerenti kunye neentlawulo zezindlu, iinkonzo kunye neendleko zenyanga. amanye amatyala.
Xa ubala isixa semali esishiyekileyo kwinyanga ukuhlawula izibophelelo ezisisiseko, ungaqala ngokugcina imali yokukhwela isithuthi Ngokwenza olu balo ubuncinane kwiinyanga ezi-6 kwangaphambili, unokujonga ukuba yimalini. ngenxa yentlawulo ephantsi.
gcina ngokuzenzekelayo
Ukuba ne-akhawunti yokonga ngaphandle kwale yangoku sisixhobo esilungileyo sokukwazi ngokuqinisekileyo ukuba yimalini okufuneka uhlawule ngayo intlawulo yemoto, kuba ukuba neakhawunti enye yebhanki kunokwenza inkqubo yokonga. kuba nzima, ekubeni ukuba imali ifuneka ukuze kuhlawulwe enye indleko, iya kuthatyathwa kwaloo mali igcinwayo ukuze kuhlawulwe intlawulo.
Eyona nto icetyiswayo kukuba ukhethe isixhobo semali esinokuvelisa imbuyekezo enkulu kwaye phantsi kwesizathu sikhuthaza ukuba utyale loo mali esele imiselwe isicwangciso sexesha elizayo, ngaphakathi kweendlela ezilungileyo zokonga ungabiza Iinjongo, ukusuka kubo. , zonke zidla ngokuba lula ukuzisebenzisa kwaye xa uqala ukugcina kuzo uya kubona ukuba zezona zikhethwayo.
Fumana ingeniso eyongezelelweyo
Ukuba umsebenzi onawo ngoku, ingeniso oyishiyayo yanele kuphela ukuhlawulela iindleko ezisisiseko, eyona nto ikhuthazwa kakhulu kukuba unokwenza umsebenzi owongezelelekileyo ukuze ngale ndlela ukwazi ukufumana ingeniso engakumbi, ukukhankanya nje embalwa esinokuyenza. khankanya ukuthengisa ishishini elenziwe sithi, ukusasaza uhlobo oluthile lweemveliso, ukufumana umsebenzi okude okanye omnye umsebenzi wobuchwephesha phantsi kwendlela yokuzimela kuba ezi zinokuqhutywa ukusuka kwindawo esikuyo.
Nciphisa iindleko ezingeyomfuneko
Enye yeendlela ekufuneka sizigcine kukuphonononga uhlahlo lwabiwo-mali lwethu kwaye kamva singakwazi ukunciphisa iindleko ezithathwa njengezingeyomfuneko, njengokutya ezivenkileni rhoqo, ukurhoxisa ubulungu bejim okanye iklabhu, ukuhamba rhoqo, ukuya ezivenkileni xa kungafunwayo kwaye Okuninzi.
thengisa imoto yakho
Ukuthengisa imoto yethu xa uyisebenzisa ukuze ube nayo yeyona ndlela ilungileyo onokuthi ube nayo ukuze ube nesixa esihle semali kwaye ngale ndlela unokufumana entsha ngaphandle kwesidingo sokufaka isicelo setyala okanye inkxaso-mali.
Ukuze ube nemali eninzi xa udibanisa ukuthengisa, into engcono kakhulu enokuyenza kukuthengisa ngasese, kuba, ngokubanzi, ii-arhente zokuthengisa ngokuqhelekileyo zithatha ikhomishini enkulu yokugqiba ukuthengiswa kwesithuthi. .
Ukugcina ukufumana imoto yonyaka okanye entsha kunokuba unayo kunokuba ngumsebenzi onzima kakhulu, ngoko ke ukhetho oluchazwe kwimigca yangaphambili luhlala luyindlela entle yokugcina ukuyifezekisa, kodwa kukwabalulekile ukuseta iinjongo inokulinganiswa kwaye ngaloo ndlela ibe sendleleni eya ekongeni.
Iindleko zokuqwalaselwa
Phambi kokuthenga isithuthi kukho uluhlu lweendleko ekufuneka zithathelwe ingqalelo njengoko zibalulekile ukuze ukwazi ukuzigcina zisexesheni.Siya kuzichaza ngezantsi:
- Ukuxhobisa isithuthi ngepetroli ngenyanga kuvelisa indleko ye-1500 yeepesos ngenyanga
- Ngokuphathelele ihologram, ithatha isixa-mali se-800 yeepesos ngonyaka, njengoko i-zero kunye ne-double zero, isixa-mali esiza kutyalwa i-400 pesos rhoqo kwiminyaka emibini.
- Ukuba sithetha ngeendleko zokupaka, lo mbandela uya kuxhomekeka kwimeko yomntu ngamnye, oko kukuthi, iindawo abahamba ngazo kunye neendawo abanokupakisha kuzo, ngenxa yesi sizathu imali ethile ayishiywanga.
- Ekugqibeleni, unokuthetha ngeendleko zokugcina kwaye kule meko kuya kuxhomekeka ekusebenziseni okunikezelwe kwisithuthi kunye nokunyamekela kwayo.
Kufuneka kuqatshelwe ukuba kwezi ndleko intlawulo ye-inshorensi ayinakuqwalaselwa kunyaka wokuqala kwaye nowesibini le mali idla ngokuhlawulwa kwiintlawulo zenyanga, kokona kulungileyo ukwenza uluhlu lweendleko eziye zahlawulwa ngezavenge zenyanga ezixeliweyo. zeziphi ezo sizihlawulelayo.
Ukuba eli nqaku liphonononga indlela yokonga ihhuku for auto. Ukuba uyifumene inomdla, qiniseka ukuba ufunda oku kulandelayo, okunokuthi kube kokokuthanda kwakho kukonke:
- Jonga intlawulo kunye nebhalansi Amanzi eMonterrey kunye ne-drainage
- Jonga ibhalansi kwaye uhlawule Veolia eMexico
- Jonga ubume beakhawunti kunye Intlawulo ye-Jumapa kwi-intanethi
- Jonga apha idatha Repuve e Baja California
- Jonga ubume beakhawunti kunye Intlawulo ye-Jumapa kwi-intanethi