IWesBank nohlelo lokuvusa abathengi
KULESI isikhathi sobunzima kwezomnotho, ukuthenga imoto kudinga umthengi azivikele ukuze angangeni agamanxe ephaketheni. IWesBank ikhiphe amathiphu angasiza abathengi ngaphansi kwesiqubulo se #LearnsomethingNew.
Lezi zinto okumele uziqaphele zingabukeka zingabalulekile ngesikhathi uyithatha imoto kodwa uma ungazibheki zingaba nomthelela omkhulu uma uvelelwa inkinga eqondene nayo imoto. La mathiphu angezansi abaluleke kakhulu kulowo othenga imoto kulesi sikhathi:
Uma uthenga imoto entsha sha, kumele ubalekele ukuyithatha unyaka usuphela kakhulukazi ngoDisemba. Lokhu kumele ukubalekele ngoba ilahlekelwa unyaka wonke wenani layo (value) ngezinsukwana.
Imoto uma ibhaliswa esikhungweni sokubhaliswa kwezimoto (licencing department), lowo nyaka ebhaliswa ngawo kuba yimodeli yawo okuthi uma kudlulela kunyaka ozayo yehle inani layo ongayidayisa ngalo (depreciation). Kuba ngcono uma uyithenga unyaka uqala ngoba ukwehla kwenani lonyaka kuyahambisana nezinyanga oyikhokhela ngazo isikweletu.
Uma uthenga imoto esike yabhaliswa umnini noma umdayisi uma beyisebenzisa ukukhangisa (demo) kuyasiza ngoba ukwehla kwenani lonyaka kusuke sekukhokhelwe ngumdayisi.
Imoto uma uyithenga namuhla iyintsha bese uyidayisa kungakapheli nezinsuku, inani lehla ngonyaka okwenza yehle imali ongayidayisa ngayo, ngisho isahambe kancane.
Uma uyithenga isiyehlile ngaleli nani le depreciation, wena uyakwazi ukonga ikakhulukazi uma usufuna ukuyidayisa singakapheli isikhathi sokuyikhokhela iphele ngokwesivumelwano nebhange. Ngisho ungayithenga ngosuku lokugcina lonyaka kuDisemba ngeke kukushaye lokhu kwehla kwenani ngoba isuke isibhalisiwe okokuqala. Kuyasiza ukuthenga imoto yokukhangisa (demo) ngoba isuke isahambe kancane futhi isabukeka ifana nemoto entsha.
Uma imoto onayo ikuxaka ngokuyikhokhela ngenyanga, kubalulekile usheshe uthathe izinyathelo ngaleso simo kungaze kufike lapho idliwa yibhange.
Uyakwazi ukuthintana nebhange elihlukile kunalelo obuthenge ngalo imoto uthole ukuthi lingakwazi ukuyithenga kuleli bhange onalo ngaleso sikhathi (re-finance).
Kuleso sikhathi uyakwazi ukucela amanani aphansi enzalomboleko (interest rate) noma unyuse izinyanga zokukhokha okuzowehlisa imali oyikhokha nyangazonke.
Ezinye izinyathelo ongazithatha zibalwa ngenzansi:
Ukuzidayisela wena ngokufuna umuntu ongayithenga ngemali oyikweleta ebhange. Kubalulekile ukwazi ukuthi ubunini (ownership) bemoto abushintshi ngaphandle kokuthi ikhokhwe igcwale imali yesikweletu semoto (settlement amount). Into ekhombisa umnini wemoto kuba yi-logbook okumele ibe segameni lomnikazi futhi kube ngewungqo, hhayi ikhophi.
Uma umdayisi engenayo engungqo ungayithengi leyo moto ngoba kungenzeka kube akuyona eyakhe noma isayimoto yebhange.
Ukushintha imoto ekhokha kakhulu uyishintshe ngemoto ekhokha kancane kuyindlela esheshayo futhi ejwayelekile.
Lokho kusho ukuthi uthatha imoto onayo ngaleso sikhathi uyidayisele umthengisi wezimoto egaraji ofuna ukuthenga kulo imoto ozoyikhokhela kancane.
Kumele omdayiselayo aqale ayikhokhele ngokugcwele ngaphambili kokuthi akunike imoto akudayisela yona ukuze isivumelwano sebhange semoto endala singahambisani nesivumelwano semoto entsha.
Uyakwazi nokuthi uye ebhange lakho elikuthengele imoto ekuxakayo ngemali, nikhulume ngokuthi usizakale.
Ibhange nebhange linezindlela zalo lokusiza kule simo lapho libheka indlela yokuthi ukhokhe imali eyehlile. Kubalulekile kubathengi ukuthi bangalibalekeli ibhange uma sebeqala ukuba nezinkinga ngoba usuke uzilimaza wena.