Iingxaki zokungazi
1. Inkqubo ende
Ukuthengiswa okufutshane kukuthi akuyi kuba yinto ekhethekileyo kulabo abafuna okanye abafuna ukuthenga ipropati ngokukhawuleza. Ukufumana ukuthengiswa okufutshane kufumaneke inkqubo ende. Ziyakwazi ukugqitywa kwincinane nje ngenyanga, okanye ziyakuthatha unyaka ukugqitywa. Zininzi izinto ezinokuchaphazela eli gama lexesha kubandakanye namava omthengisi abhekana nokuthengisa okufutshane, nokuba umthengisi sele sele avunyelwe ukuthengiswa okufutshane kunye nenani labathengi ababandakanyekayo.
2. Ngokuxhomekeke kuMvume yokuThengiswa kweeNgxowa-mboleko
Kwindawo yokuthengiswa kwepropati efana neyodwa, kufuneka kuphela ukuba avumele ukuthengiswa ngumntu onomnini wepropati. Ngokuthengiswa okufutshane, oku akunjalo. Umnini okwangoku akuyena yedwa omele amkele isibonelelo.
Ekubeni umninimzi ezama ukufumana umboleki-mboleko wabo wokubambisa imali ukuba amkele ngaphantsi kunokuba ahlawuliswe kwipropati, umboleki-mali kufuneka avume ukuthengiswa. Ababolekisi abanqwenela ukuba bathathe ilahleko ngemboleko yabo.
Le nkqubo iyanzima nakakhulu ukuba kukho izibambiso ezininzi kwipropati, oku kuthetha ukuba kufuneka ufumane ababolekisi abaninzi ukuba bavume ukuthengiswa okufutshane.
3. Umthengisi angakwazi ukuphikisa, ukuchasa okanye ukungaphenduli
Nangona umthengisi sele evunyiwe ngumthengisi wabo ngokuthengisa okufutshane, akukho mqinisekiso yokuba umboleki uya kwamkela isipho sakho.
Bangakholelwa ukuba isipho sakho siphantsi kakhulu. Ukuba ngaba kunjalo, umboleki-mali angayichasa isibonelelo sakho, gxotha phantsi umnikelo wakho okanye bangayi kubuyiselwa. Lo mngcipheko obalulekileyo kunye nomngcipheko wangempela ekucingeni ukuba sele ulinde iinyanga ukuya kufikelela kweli nqanaba.
Nokuba ngaba umboleki-mali uyayicinga, akukho siqinisekiso sokuthi intengo yintengo oya kukulungele ukuhlawula ngokusekelwe kwixabiso lakho elibonakalayo lepropati. Ukongezelela, ukuba kukho izibambiso ezininzi kwipropati, kuya kufuneka ufumane ukwamkelwa kwabo bonke abanamalungelo. Umnini we-link wokuqala angamkela isibonelelo, kodwa isibini okanye wesithathu umnini-mvume angayinqabela, ngoko kuya kuba neengxaki ezingaphezulu zokufumana ukuthengiswa okufutshane.
4. Ixabiso leNkcitho
Ukuthengisa okufutshane kufaka enye ingozi ngenxa yokuba inkqubo enokufutshane yokuthengiswa ingakubangela ukuba ungaphumeleli kwezinye izinto zokuthenga. Ngethuba lakho lonke kunye nezixhobo ezibophelelwe kwiintetho zentengiselwano zentengiso ezincinane, ungaphuthelwa kwithuba elona lingcono lotyalo-mali.
5. Ipropati 'Njengaye'
Abathengi abazama ukuxoxisana nokuthengisa okufutshane badla ngokufumana ubunzima bezezimali ezithile. Ngoko ke, abanokuba nemali yokugcina impahla yabo. Oku kukwazi ukuqhubeka nokugcinwa kweso sondlo kunokubonakalisa, okanye kungathi kunzulu kwiinkalo zesakhiwo, zombane okanye kumanzi.
Xa uthengisa ukuthengiswa okufutshane, udla ngokuthenga ipropati 'njengoko kunjalo.' Ibhanki isele ilahlekelwe yimali kwipropati, ngoko ke ayinakukwazi ukwenza izilungiso kule miba yesondlo. Ngoko ke kubaluleke kakhulu ukufumana ukuhlolwa kwekhaya ukuze ukwazi ukufumanisa nayiphi na imiba ephambili loo propati inakho.
6. Ngaba uMthengisi uvumelekile?
Kungenxa yokuba umntu uthetha ipropati njengentengiso emfutshane ayithethi ukuba avunyelwe enye. Basenokucinga ukuba bafanelekile ukuthengiswa okufutshane, kodwa ngaphandle kokuba bevunywa ngokubhankini okanye umboleki-mboleko, le ndlela ayikho nto.
Ngaphambi kokubandakanyeka kwintengiso emfutshane, kufuneka uhlale uqinisekisa ukuba umthengisi uvunyiwe ngumboleki wabo. Ukuba azinjalo, unokuchitha ixesha lakho okanye unokubandakanyeka kwinkqubo eza kubakho kwiinyanga okanye nangonyaka.
7. Ababoleki Bakhetha yonke iCash okanye i-Pay Down Payments
Omnye umngcipheko wokuthengiswa okufutshane ukulahlekelwa kwipropati kuwo wonke umthengi wemali okanye umthengi okwazi ukubeka phantsi intlawulo enkulu. Xa uvuma ukuthengiswa okufutshane, amabhanki kunye nabanye ababolekisi bakhetha ukujongana nale ntlobo yabathengi. Babona njengengozi encinane kunomthengi ofuna ukufumana imali enkulu yokuthenga imali ukuze athenge ipropati.