Indlela ukusindisa ku imoto? Indlela ulondoloze imali imoto?

Yiqiniso, imoto sekuyisikhathi eside saphela "obabazekayo" iphupho ukusebenza ukuthi washiya iminyaka eminingi, njengoba kwakunjalo ezinsukwini zokuphila kwakhe aziphiweyo wezwe namaSoviet. Ngo-USSR, ukuze athenge imoto, kwadingeka ukuba ulondoloze imali isikhathi eside.

Imoto - hhayi ukungcebeleka

Futhi namhlanje, ukuthenga "yensimbi ihhashi" - kumnandi, bathi, akuyona ezishibhile. Noma kunjalo, amakhulu ezigidi zabantu baseRussia unyaka ngamunye ukuthola brand imoto entsha. Zonke umshini ofanayo izimo zanamuhla itholakala. Lokhu kungenxa yokuthi automakers ozama ukukhiqiza imodeli ukuthi ngabe ukwanelisa izidingo zabantu nge amazinga ehlukene engenayo. Nokho, isimo neze, ngakho bakha ingxenye enkulu yabamemezeli izakhamuzi zethu namanje baphoqeleka ukuba ulondoloze imali into, ukuba abe abanikazi imoto. Yiqiniso, bacabanga kanzima mayelana nendlela ugcine imoto, njengoba besho, ngokushesha futhi ngaphandle kokulibala. I izincomo ngezansi nakanjani ibe wusizo kulabo dream of ukuzithathela "yensimbi ihhashi".

Ngakho, ake sicabangele lo mbuzo esisebenzayo sendlela ukulondoloza imoto kunoma ubani ofuna ke ngakho crazy.

Ukubeka imigomo ecacile

Ngokwemvelo, kungase kudingeke uqonde ukuthi isifiso ukuthenga imoto - kancane. Okokuqala, kufanele ukunquma onjani "yensimbi ihhashi" udinga brand ayo, umbala Ukucaciswa. Ukuze anqume kusengaphambili ukuthi kuya ngenani imithombo yezimali adingekayo ukuthengwa imoto. Khumbula, kulapho lapho uyoba ashukumiseleke ukuba enze into, lo sobala ingqondo yakho kuzovela umgomo kanjani ukulondoloza imoto ngokushesha ngangokunokwenzeka. Uma isifiso sakho ukuthenga imoto kuyalivuthela ke qiniseka ukuthi ngempela kuyiqiniso.

Ngokuphumelelayo ukuhlela ibhajethi yakho

Kumelwe ufunde ukulawula isabelomali umndeni wakho. Hlaziya izindleko zabo. Mhlawumbe unayo nemikhuba emibi? Uma kuwukuthi uyabhema, isibonelo, 2 amaphakethe kagwayi ngosuku, uchitha kuso ruble 150 200, kufanele ucabange indlela ukuqeda umlutha kagwayi. Lokhu kwehlisa kakhulu isikhathi eqaphela imigomo yakho. Kungenzeka ukuthi ekupheleni kweviki wena bajwayele aphumule inkampani izisebenzi zazo nabo noma osebenza nabo phezu ingilazi nogologo ezibizayo. Ukuze kuxazululwe le nkinga kanjani ukulondoloza imoto, hhayi ekuhlehlisweni ke unomphela, futhi kufanele usike lokhu izindleko. Cabanga ngekutsi ungacala kanjani nokwandisa nezinye izindleko zakhe. Uma uphatha ukwenza lokhu, mahhala 15-20% weholo lakho kungenziwa ubeke eceleni ukuthenga imoto. Kulokhu wena ithi wokwehla isabelomali bekungeke kube kwimboni azinzima kangako kakhulu.

Ukulondolozwa kanye ekuqongeleleni imali

Uma uphendukela hlehlisa ukutholakala kwamahala kwenani elithile izimali, kukhona umbuzo mayelana kuphi futhi kanjani ukugcina kwabo, futhi kahle, uma benza inzuzo. Yiqiniso, uma uqhubeka imali yakho "ngaphansi komqamelo", ungenawo unqume isikhathi eside inkinga kanjani ukulondoloza i- umshini wokuqala masinya.

Kukhona inketho sokuvula idiphozi ebhange, kodwa inzuzo handsome aphume ungenalo umkhiphe, kakhulu ukuthi ungakwazi ukubala - 10 per cent ngonyaka ngamunye.

ukutshalwa kwezimali

Kukhona indlela engcono ngawo ngokushesha ukuxazulula inkinga ka kanjani ukulondoloza imali yemoto. Yini? Ukubeka. Ungakwazi ukutshala izimpahla zabo zezimali izibambiso we PAMM-akhawunti, Intanethi inthanethi, mutual funds, "Forex". Konke lokhu amathuluzi okuqinisekisiwe kungakhanselwa alethe kuwe inzuzo enhle kakhulu, into esemqoka - iwukufunda uwaphathe.

Njengamanje, ngempela umthombo ovamile of kokucetshiswa njengendlela ithemba ku lwemali ukuhweba "Forex". Ngaphambi imali yabo lapha, udinga ukuqonda izimiso waleli bhizinisi, kungenjalo ngeke anqume umbuzo ngokushesha kangakanani buthelela emshinini kuphela, kodwa uzolahlekelwa yonke imali zanqwabelana.

Khumbula ukuthi noma utshalomali kuhilela izingozi ezithile, ngakho uma ngokuqinile uhlose ukwenza lokhu, khona-ke ungasebenzisi zonke imali yakho, kodwa kuphela ingxenye.

Auto Loans

Okwamanje, labo bantu Ngokuphazima kweso kudingeka imoto, isibonelo, ukwenza ibhizinisi, ukunikela ukuklama ke ngesikweletu. Yiqiniso, uma umuntu ngeke ngokweqile umthwalo izimo zayo, khona-ke le ndlela ukuthenga "yensimbi ihhashi" akufanele neze kushaywe indiva. Ukuqhathanisa izipesheli kusuka amabhange ahlukahlukene bese ukhetha owodwa owusizo kakhulu. Uzodinga ukuxhumana isikhungo sezezimali ukukhipha amaphepha ayedingeka futhi zemoto kakhulu maduze ezandleni zabo. Zonke. Ukuxazulula inkinga kanjani ukulondoloza imali ku imoto, wena akusadingeki. Nokho, esikhundleni uthola elinye - njalo ngenyanga uzodinga isikhathi sokwenza ethile imali buyiselo imalimboleko, kanye nenzalo. Iyiphi indlela kungcono ukuthenga imoto - kuphuma kuwe.

Ngesikhathi esifanayo, kwabasebenzi bebodwa amabhange, enikeza imibono esingashiwongo phezu emihle nemibi umbiko credit ukuthi akufanele bathathe ukubhuka sokuqasha imali ku izimoto, maduze nje uqale ukuna intengo. Kungenjalo wena engozini yokuyikhokhela kabili intengo. Ngaphezu kwalokhu, kuzodingeka akhokhe inzalo phezu loan, ukukhipha umshwalense kanye nezinye izindleko ezengeziwe.

Njengoba kunjalo emazweni ase-European?

Yiqiniso, abantu baseYurophu, kanye abaseRussia uthanda ukugibela izimoto ukhululekile futhi fast. Noma kunjalo, ezifaneleke yokufuna kwezimoto olinganiselayo ezingaphezu kuka bakithi. Izakhamuzi "Izwe Elidala," njalo soberly ukuhlola amakhono abo zezimali kanye asikhuthazi ukwenza ukuthenga yemali ukuthi idlula izinyanga ezingu-umholo wabo.

Indlela babe umnikazi wemoto umfundi njalo?

Namuhla imoto - kuba iphupho oyinhloko kubantu abasha. Abafunda amanyuvesi nje ukulala futhi sibone indlela ezigcizelela ukusebenzisa ezinye imoto okusheshayo futhi beshesha. Kodwa indlela ugcine up for imoto umfundi futhi ukuthi it? Yiqiniso, lokhu Nokho akuwona umsebenzi olula, njengoba sazi, kule lutho emhlabeni akunakwenzeka. Kodwa intsha ngokwabo kufanele nomkhawulo sina izindlela ngokuqinile ukulawula zonke izindleko zawo. Nalapha futhi, kufanele uqale nge imigomo sokunquma usuku oluqondile uma ngempela udinga ukugcwaliswa.

Kufanele futhi cabanga nangemibuzo umsebenzi esikhathini zokutadisha. Ingabe kuphela ukulondoloza ingxenye nomholo wabo nokubona imigomo yayo.

isiphetho

Yiqiniso, ungakwazi ndawo ukutshala imali yabo kanzima, ngoba besaba ukuthi bangase balahlekelwe ihora elilodwa. Kulokhu, usangakwazi ukuthenga imoto, kodwa iminyaka eyishumi nanhlanu kuphela kamuva. Uma ufuna ukusheshisa le nqubo, ngaphandle ingozi ungakwazi ukukwenza. Khumbula nje ukuthi iyiphi ingozi kufanele kube nengqondo.