Ukuboleka ngokuhlakanipha nokugwema ukubolekwa kwemali mboleko · Isifundo 2 2
Ukuthenga imoto: Thola imalimboleko efanele futhi ugweme izicupho zomthengisi
Isabelomali sezindleko ezigcwele zemoto, thola imvume yemalimboleko, qaphela izicupho zomthengisi ezifana nemalimboleko ende, izengezo, kanye nemali ye-yo-yo, futhi ucabange ngokucophelela ngaphambi kokusayina.
Kuqediwe kulesi sisetshenziswa
Kulesi sifundo
Yini ozoyifunda
- Linganisa izindleko eziphelele zanyanga zonke zemoto, kufaka phakathi umshuwalense, uphethiloli, ukupaka, intela, nokulungiswa.
- Thola ukubolekwa kwemali mboleko bese uqhathanisa okunikezwayo nge-APR nezindleko eziphelele.
- Qaphela izicupho zomthengisi, njengemigomo emide yemalimboleko, izengezo, ukuxhaswa ngezimali kwe-yo-yo, kanye nokuthenga lapha-khokha lapha.
- Thatha isinqumo sokuthi ngabe ufuna ukuboleka imali mboleko yemoto komunye umuntu.
Ukuthi lokhu kuxhumene kanjani namakilasi ethu: Isigaba sethu sihlanganisa izimoto njengempahla, imoto engakanani ongayikhokhela, kanye nezingozi zokusayina ngokubambisana. Lesi sifundo sengeza izindleko zendawo ye-DC, ukuqhathaniswa kwemalimboleko esebenzayo, uhlu lokuhlola lokuvakasha komthengisi, nokuthi yini okumele uyenze uma umthengisi ezama ukushintsha isivumelwano ngemuva kokushayela ekhaya.
Amagama okumele wazi
- Ukuvunyelwa kwangaphambili (Pre-approval)
- Umbolekisi, ngaphambi kokuthenga, ukuboleka kuze kufike kunani elibekiwe ngesilinganiso esibekiwe uma uhlangabezana nemibandela yalo.
- Isikhathi semalimboleko (Loan term)
- Kufanele ukhokhe isikhathi esingakanani imalimboleko, njengezinyanga ezingama-48 noma ezingama-72?
- Isengezo (Add-on)
- Umkhiqizo owengeziwe othengiswa ngemoto noma imalimboleko, njengenkontileka yesevisi noma umshuwalense we-GAP. Izengezo ziyazikhethela.
- Ukulingana okungekuhle (Negative equity)
- Uma ukweleta imali engaphezulu kwemali mboleko yakho yemoto kunenani lemoto.
- Ukuxhaswa ngezimali kwe-Yo-yo (Yo-yo financing)
- Lapho umthengisi ekuvumela ukuthi uthathe imoto ekhaya, bese ethi imalimboleko ayivunywanga futhi ikucela ukuthi usayine isivumelwano esisha, esibizayo. Okubizwa nangokuthi ukulethwa kwendawo.
- Cosigner
- Umuntu osayina imalimboleko nomboleki futhi athembisa ukukhokha isikweletu uma lowo obolekayo engakwenzi.
- Thenga lapha-khokha-lapha umthengisi (Buy-here-pay-here dealer)
- Umthengisi wemoto ukuboleka imali yemoto uqobo, esikhundleni sokuhlela imalimboleko ebhange noma enyunyana yesikweletu.
Bala izindleko eziphelele, hhayi nje inkokhelo
Inkokhelo yemali mboleko iyingxenye yalokho okubizayo imoto. Ngaphambi kokuthenga, engeza konke okuzokhokha inyanga ngayinye. Bese uhlola ukuthi ingqikithi ifanelana nohlelo lwakho lokusebenzisa imali ngemuva kokuqasha, ukudla, nokulondoloza.
- Umshuwalense. I-DC, iMaryland, neVirginia zonke zidinga umshuwalense wemoto. Kusukela ngoJulayi 1, 2024, iVirginia ayisavumeli abashayeli bakhokhe imali esikhundleni sokuthenga umshuwalense. Thola izingcaphuno zomshuwalense ngaphambi kokukhetha imoto. Intengo ingashintsha kakhulu ngemodeli yemoto nekhodi ye-zip.
- Izintela nezindleko. Ukhokha intela lapho ukhetha imoto. Ngo-2026, intela ye-titling yaseMaryland ingu-6.5% wentengo yezimoto eziningi. ENyakatho Virginia, izifunda namadolobha afana neFairfax County nawo akhokhisa intela yemoto minyaka yonke.
- Igesi noma ukushaja, ama-tolls, nokupaka. Cabanga ngohambo lwakho, imvume yokupaka noma igaraji, nemigwaqo ye-toll.
- Ukugcinwa nokulungiswa. Ukushintshwa kukawoyela, amathayi, amabhuleki, nokuhlolwa. Izimoto ezindala zivame ukudinga ukulungiswa okuthe xaxa.
Isibonelo
Imoto efanayo, imigomo emibili yemalimboleko
UDev uhlala eSilver Spring. Ufuna ukuboleka u- $ 20,000 ngemoto. Inyunyana yakhe yesikweletu imnikeza i-9% APR. Bona ukuthi isikhathi semalimboleko senzani.
| Isikhathi semalimboleko | Inkokhelo yanyanga zonke | Ingqikithi ekhokhelwayo | Isithakazelo |
|---|---|---|---|
| Izinyanga ezingama-48 | $ 497.70 | $ 23,890 | $ 3,890 |
| Izinyanga ezingama-60 | $ 415.17 | $ 24,910 | $ 4,910 |
| Izinyanga ezingama-72 | $ 360.51 | $ 25,957 | $ 5,957 |
| Umehluko: izinyanga ezingama-72 minus 48 izinyanga | $ 137.19 ephansi | $ 2,067 ephakeme | $ 2,067 ephakeme |
$ 25,957 - $ 23,890 = $ 2,067 ngaphezulu kwemalimboleko yezinyanga ezingama-72
Imalimboleko yezinyanga ezingama-72 yehlisa inkokhelo cishe ngama- $ 137 ngenyanga. Kodwa uDev ukhokha cishe u- $ 2,067 ngaphezulu ngenzalo. Imali mboleko ende futhi isho ukuthi angase akweleta imali engaphezu kwemoto efanelekile isikhathi eside. Lokhu kubizwa ngokuthi ukulingana okungalungile. Uma imoto iphukile noma idinga ukuyithengisa, usengase akweleta imali emotweni angasenayo.
| Izindleko | Inyanga ngayinye |
|---|---|
| Inkokhelo yemalimboleko | $ 498 |
| Umshuwalense | $ 180 |
| Igesi | $ 140 |
| Ukupaka kanye nama-tolls | $ 40 |
| Ukugcinwa nokulungiswa | $ 80 |
| Imali yokubhalisa kanye nezinye izinkokhelo zonyaka, ezilondolozwe njalo ngenyanga | $ 15 |
| Izindleko ezigcwele zanyanga zonke | $ 953 |
Izindleko zangempela zicishe ziphindwe kabili ukukhokha kwemalimboleko. Sebenzisa izingcaphuno zakho, ngoba izinombolo zakho zizohluka.
Thola imvume ngaphambi kokuthenga
Ngokuvunyelwa kwangaphambilini, ibhange noma inyunyana yesikweletu ibuyekeza isicelo sakho futhi ikutshele ukuthi izoboleka malini futhi ngasiphi isilinganiso, ngaphambi kokukhetha imoto. Ngemuva kwalokho uyazi isabelomali sakho, futhi ungabona ukuthi ukunikezwa kwemalimboleko yomthengisi kungcono noma kubi kakhulu.
- Hlola imibiko yakho yesikweletu mahhala futhi uphikisane nanoma yimaphi amaphutha. Bheka Funda umbiko wakho wesikweletu.
- Faka isicelo kubabolekisi ababili noma abathathu, njengebhange lakho kanye nenyunyana yesikweletu. I-CFPB ithi ukugcina la masheke wesikweletu zingakapheli izinsuku eziyi-14 kuya kwezingu-45 komunye nomunye, ngakho-ke abalwa njengophenyo olulodwa.
- Qhathanisa okunikezwayo nge-APR, isikhathi semalimboleko, kanye nengqikithi yezinkokhelo, hhayi nje inkokhelo yanyanga zonke.
- Nquma intengo ephakeme kakhulu ozoyikhokha, bese uyibhala phansi.
- Letha isipho sakho esibhaliwe esihle kakhulu kumthengisi, bese ucela umthengisi ukuthi anikeze isilinganiso esiphansi.
Lapho umthengisi ehlela imalimboleko yakho, isilinganiso sivame ukuba yisilinganiso sombolekisi kanye nenzalo eyengeziwe ekhokhela umthengisi, i-CFPB iyachaza. Ungabuza ukuthi ngabe kukhona yini okunye okunikezwayo ngamanani aphansi.
Ayikho inombolo yezokuphepha komphakathi? Buza amabhange nezinyunyana zezikweletu uma ziyamukela i-ITIN yemalimboleko yemoto. Abanye bayakwenza. Qaphela uma umthengisi ekutshela ukuthi akekho omunye umuntu ozokuboleka. Zihlole kuqala.
Umthengisi: isinqumo esisodwa ngesikhathi
Abanye abathengisi baxuba intengo yemoto, ukuhweba kwakho, kanye nemalimboleko ndawonye, futhi bakhulume kuphela ngenkokhelo yanyanga zonke. Lokhu kwenza kube nzima ukubona ukuthi ukhokha ini. Vumelani ngengxenye ngayinye ngokwehlukana, ngale ndlela:
- Intengo yemoto, kufaka phakathi zonke izindleko zomthengisi.
- Inani lokuhweba kwakho, uma unayo.
- Imali mboleko: i-APR, isikhathi kanye nengqikithi yezinkokhelo.
Ungaxoxisana ngentengo, inani lokuhweba, i-APR, izengezo, kanye nezimali zomthengisi njengemali yedokhumenti. Awukwazi ukuxoxisana ngentela, isihloko, kanye nezimali zokubhalisa ezibekwe nguhulumeni.
Uhlu lokuhlola lokuvakashelwa komthengisi
- Nginemvume yami yangaphambili kanye nentengo yami ephakeme kakhulu ngokubhala.
- Ngemoto esetshenzisiwe, ngifunda isitikha se-Buyers Guide efasiteleni. Ithi uma imoto ithengiswa "njengoba injalo," ngaphandle kwewaranti yomthengisi, noma ngewaranti.
- Umakhenikha engimethembayo wahlola imoto ngaphambi kokuthi ngivume ukuyithenga.
- Ngathi cha ku-add-ons engingazifuni, njengenkontileka yesevisi, i-window etching, noma umshuwalense we-GAP, okhokhela lokho okusakukweleta ngaphezu kwenani lemoto uma imoto yebiwe noma ibhujiswa.
- Uma ngikweleta imali eningi emotweni yami endala kunalokho okufanele kwenzeke, ngihlole ukuthi le mali ayifihliwe kwimalimboleko entsha.
- Isikhala ngasinye esingenalutho esivumelwaneni sigcwalisiwe, futhi izinombolo zihambisana nalokho esivumelene ngakho.
- Imali mboleko isiphelile, futhi ngisayine amakhophi ayo konke ngaphambi kokuthi ngihambe.
Qaphela
Yo-yo financing and buy-here-pay-here lots
I-Yo-yo financing. UFatima uthenga imoto eWoodbridge bese eyishayela ekhaya ngosuku olufanayo. Ngemuva kwesonto umthengisi ushayela: "Imalimboleko yakho ayivunywanga. Woza futhi usayine inkontileka entsha ngesilinganiso esiphakeme. " Lokhu kubizwa ngokuthi i-yo-yo financing, noma ukulethwa kwendawo.
Awudingi ukwamukela isivumelwano esisha. Uma ungafuni, ungabuyisela imoto, futhi umthengisi kufanele abuyisele imali yakho, kusho i-CFPB. Ngokuya ngesivumelwano sakho, ungase ube nelungelo lokugcina imoto ngemigomo yokuqala. Cela ukuhweba kwakho futhi. Isivikelo esihle kakhulu ukuqinisekisa ukuthi imalimboleko igcina ngaphambi kokuthatha imoto ekhaya.
Ngithenge imoto ngo-[usuku] futhi ngisayina inkontileka ne-APR ye [rate]. Ngeke ngisayine inkontileka entsha namuhla. Ngicela ungithumelele ngokubhala isizathu sokuthi uthi imalimboleko ayivunywanga. Uma ukuthengiswa kukhanseliwe, ngifuna ukukhokha kwami phansi [imali] kanye nokuhweba kwami kubuyiselwe. Ngicela iseluleko sehhovisi lokuvikelwa kwabathengi le-Attorney General.
Thenga-lapha-khokha-lapha inkatho. Laba badayisi bakuboleka imali ngokwabo, imvamisa kubantu abanesikweletu esiphansi noma abangenaso isikweletu. I-APR ingaba phezulu kakhulu, futhi izimoto zivame ukuba zindala. Abanye ababolekisi bafaka idivaysi emotweni eyilandelela noma eyivimbe ukuqala uma uphuthelwa inkokhelo. Emazweni amaningi, umbolekisi angabuyisela imoto ngokushesha nje lapho uhluleka, ngokwesibonelo ngokuphuthelwa inkokhelo, ngaphandle kwesixwayiso. Ngemuva kokuthi imoto ithengisiwe, usengase ukweleta umehluko. Qhathanisa imalimboleko yenyunyana yesikweletu kuqala.
Udinga usizo? E-DC, shayela ithimba le-Attorney General's Consumer and Tenant Response ku-202-442-9828. E-Maryland noma eVirginia, xhumana nehhovisi lokuvikelwa kwabathengi lombuso wakho, iMaryland Legal Aid, noma Izinsizakalo Zomthetho zaseNyakatho Virginia.
Ngaphambi kokuthi usayine imalimboleko yemoto
Emindenini eminingi, isihlobo esinesikweletu esihle sicelwa ukuba sisayine. I-cosigner akuyona nje inkomba. Uthembisa ukukhokha imalimboleko uma obolekayo engakwenzi.
- Kungase kudingeke ukuthi ukhokhe inani eliphelele, kanye nezindleko zokuqoqa sekwephuzile.
- Emazweni amaningi, umbolekisi angaqoqa kuwe ngaphandle kokuzama kuqala ukuqoqa kulowo obolekayo.
- Imali mboleko ibonakala embikweni wakho wesikweletu. Ukukhokha sekwedlule isikhathi kungalimaza isikweletu sakho, futhi isikweletu singenza kube nzima kuwe ukuboleka.
- Umbolekisi kufanele akunikeze iphepha elibizwa nge-Notice to Cosigner elichaza lezi zingozi. Yifunde.
Uhlu lokuhlola lokusayina ngokubambisana
- Ngangikwazi ukukhokha yonke imali mboleko ngokwami uma kunesidingo, ngaphandle kokulimaza isabelomali somndeni wami.
- Ngibonile isabelomali somboleki, futhi inkokhelo ifanelekile.
- Nginamakhophi enkontileka, ukudalulwa kweQiniso Ekubolekeni (ibhokisi lezinombolo ezibalulekile zemalimboleko: inani elixhasiwe, imali ekhokhwayo, ingqikithi yezinkokhelo, kanye ne-APR), kanye neSaziso ku-Cosigner.
- Umbolekisi uvumile ukungitshela ngokubhala uma inkokhelo ilahlekile.
- Ngizohlola imibiko yami yesikweletu kaningi.
Ungasho ukuthi cha. Usengasiza ngezinye izindlela, njengokusiza umuntu ukuthi athole imalimboleko yenyunyana yesikweletu noma imoto engabizi kakhulu.
Ngiyakukhathalela, futhi ngifuna ukuthi uthole imoto. Kodwa angikwazi ukusayina. Uma kukhona okungahambi kahle, ngizokweleta yonke imalimboleko, futhi umndeni wami uncike esikweletini sami. Ngingakusiza ukuthi uthole imalimboleko yenyunyana yesikweletu noma imoto engabizi kakhulu.
Ithiphu
Umthetho omusha wentela yemali mboleko yezimoto ezintsha
Eminyakeni yentela ka-2025 kuya ku-2028, i-IRS ithi abanye abathengi bangadonsa kuze kufike ku- $ 10,000 ngonyaka yenzalo kwimalimboleko yemoto entsha yokusetshenziswa komuntu siqu. Umhlangano wokugcina wemoto kufanele ube se-United States, futhi imalimboleko kufanele ngabe iqale ngemuva kukaDisemba 31, 2024. Izimoto ezisetshenzisiwe nokuqasha akufanelekile. Ukudonswa kuncane ngemali engenayo engaphezu kuka- $ 100,000 ($ 200,000 yemibhangqwana eshadile egcwalisa ndawonye). Ukudonswa kwehlisa imali yakho yentela, hhayi inkokhelo yakho yemalimboleko, ngakho-ke akusona isizathu sokuboleka ngaphezulu. Isayithi lentela lamahhala le-VITA lingakusiza ukuthi uhlole ukuthi isebenza yini kuwe. Bheka Faka izintela zakho mahhala.
Izinto ezibalulekile
- Izindleko eziphelele zemoto, hhayi nje inkokhelo yanyanga zonke.
- Imalimboleko ende yehlisa inkokhelo kepha iphakamisa izindleko eziphelele: ku- $ 20,000 ku-9% APR, imalimboleko yezinyanga ezingama-72 ibiza cishe u- $ 2,067 ngaphezu kwemalimboleko yezinyanga ezingama-48.
- Thola imvume ngaphambi kokuthenga, futhi uvumelane ngentengo, ukuhweba, kanye nemalimboleko ngasikhathi sinye.
- Izengezo ziyazikhethela, futhi akufanele neze usayine isivumelwano ngezikhala ezingenalutho.
- Uma usayina, kungadingeka ukhokhe isikweletu esiphelele uma obolekayo engakwenzi.
Hlola ukuqonda kwakho
Phendula imibuzo, bese ukhetha Hlola izimpendulo zami. Thola 4 5 ilungelo ukuqedela lesi sifundo. Awukho umkhawulo wesikhathi, futhi asigcini izimpendulo zakho.
Qhubekela phambili
Amawebhusayithi athembekile lapho ungafunda khona kabanzi. Lezi zixhumanisi ziya kwamanye amawebhusayithi angasebenzi yi-Dollar Scholars.
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Imali mboleko yezimoto (Enye iwebhusayithi)
Isinyathelo ngesinyathelo siza ukuthenga imalimboleko yemoto, qhathanisa okunikezwayo, futhi uhlole inkontileka ngaphambi kokusayina.
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Thenga imoto esetshenzisiwe kumthengisi (Enye iwebhusayithi)
Ungayifunda kanjani isitikha se-Buyers Guide, thola ukuhlolwa, futhi ugweme izengezo ezibizayo kanye nemalimboleko emide.
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Cómo comprar un carro usado a un concesionario (Enye iwebhusayithi)
Iseluleko esifanayo se-FTC sokuthenga imoto esetshenzisiwe kumthengisi, ngeSpanishi.
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Ukusayina i-FAQ yemalimboleko (Enye iwebhusayithi)
Yini oyithembisayo lapho usayina, nemibuzo okufanele uyibuze ngaphambi kokuvumelana.
Lesi sifundo yimfundo ejwayelekile yezezimali, hhayi iseluleko sezomthetho, sentela noma sezezimali. Imithetho nemali iyashintsha, ngakho-ke hlola izinombolo ezibalulekile ngomthombo osemthethweni.