Yini Isivumelwano kufanele isayinwe lapho ithola ukubolekisa auto

Bakwethu naivety nokufinyelela okulula ukubolekisa auto, kanye noma iyiphi indlela yokuthola imali "ihora khulula" ngezinye izikhathi ezimangalisayo. Isisindo amabhange nezinhlangano credit inikeza loans kuphela emva kokusayina inkontileka. Nakubukwa jikelele, ukubolekwa imali imali for the ukugcwaliseka isiphi isifiso ukubheka lo we ingabe - imali, futhi wena kithi - imali yethu, imali yethu, amaphesenti kwethu ukuthi imali esetshenziswa futhi imali eningi kithi yokuthi osinikeza ukunikeza imali yabo. A kuxaka, kodwa ukubukeka jikelele futhi wonke loan imoto buyiselo isikimu. Car Loan - uhlobo loan lemali, ngokukhethekile ekhishwa isikhungo credit ukuthengwa imoto yazo ukuze bazisebenzise. Lokho, ukuthenga isithuthuthu, ibhasi noma nezinye izimoto - kungcono loan imoto. I engavamile walolu hlobo yokuboleka le mali ukuthi iphasiphothi wemoto uhlala umboleki. Isihloko kumele idluliselwe ebhange ngesikhathi lokuvela yesivumelwano, futhi uma lokhu kungenzeki, osibekile inhlawulo. Lubhekele iphuzu lokuqala akunakugwenywa - ukuqala Umlando wokukhokha kwemali ngohlangothi ongathandeki, futhi ukungabethembi ibhange akanangqondo. Uma kuthengiselana senzeka Showroom, lapho kukhona abamele ebhange elikhiphe udumo ngenxa yokushintsha imoto, asivelanga izinkinga nokudluliswa imibhalo. ukuthatha loan imoto ngaphandle imali noma imali-mboleko imoto kungekho phansi lokukhokha akunakwenzeka. Lena kuphela abakhangisi ukukhangisa icebo.

Ihhovisi omele yebhange kule showroom uthatha kule misebenzi elandelayo - ukuvunyelwa kwangaphambili isicelo amagoli - Kuhlola creditworthiness of umboleki, basayine boleko imali, nokulungisa amaphepha kanye ukudlulisa ukuba ibhange.

Beshaya - lena iphuzu elibaluleke kakhulu lapho sicabanga yasebhange umboleki kanye isikolo inquma kangakanani angakwazi ukhokha esekelwe iholo. Ukuba neqiniso igcwaliswe imibhalo angaqinisekiswa uchwepheshe, kodwa zidinga ukuqinisekiswa.

Uma abamele yasebhange egumbini elilodwa ne indawo ethile edayisa izimoto ke ngaso leso sikhathi ukuthengwa nokudayiswa isivumelwano esisayinwe imoto nochwepheshe credit. Amaklayenti ngokuvamile elahlekile auto futhi bakholelwa ukuthi kubalulekile ukuba asayine isivumelwano. Empeleni, izivumelwano ezimbili - owodwa inkontileka elidayisa of ukudayiswa kanye nokukhokhwa umnikelo wakhe kokuqala inkontileka ukuba abe ngumuntu onganikezwa ethile isikweletu esayinwe ebhange. Ngokuvamile, ibhange zingashintsha inani loan, okuhloswe ukuthenga imoto bebheke indlela wehlise njengoba ukwanda. Kwanqunywa kusukela ukuthenga imoto futhi isethi ephelele engcono kakade kule showroom. Kukhona ingaphinda utshelwa ukufaka imishini eyengeziwe - epaki ukulawula ibanga, navigation, air conditioning. kungaba ngokuvamile kufakwe bangakunaki ukuboleka imali yokuthenga imoto. Yonke imibuzo ngokuphathelene yokubhaliswa ukuboleka imali yokuthenga imoto kungenziwa ebekiwe emnyangweni Ikhredithi showroom noma imali ebhange.

Tanya Steinberg, i umhlaziyi