Qaphela izikhangiso ezihehayoAMAGARAJI aheha abathengi ngokuthi abathathe izimoto manje kodwa baqale ukuzikhokhela ngemuva kwesikhathiAMAGARAJI amaningi kulezi zinsuku anezikhangiso zokuthi ungakwazi ukuthatha imoto manje bese uqala ukuyikhokhela ngemuva kwezinyanga ezimbalwa, ngokujwayelekile okuba ngeziyisithupha.Amanye athi ungaze uqale ukuyikhokhela ngonyaka ozayo u-2021.Kungabe yikuphi okumele ukuqaphele ngalezi zipesheli? USibonelo Myeni we-iMoto Media ukhiphe nanka amathiphu angasiza.Isikhathi: Uma uthenga imoto ngesikweletu, wena nebhange niyavumelana ngokuthi uzoyikhokhela isikhathi esingakanani. Kujwayeleke ukuthi kube izinyanga ezingu-54, 60 noma kube u-72.Ngokunyuka kwezinyanga okhokha ngazo, kunyuka nezinyanga ezibhekelele intela yalesi sikweletu.Uma isipesheli sithi uzoqala ukukhokha emuva kwezinyanga eziyisithupha, kungenzeka ukuthi isikhathi sakho senkontileka sizonyuka ngalezi zinyanga.Uma kunjalo kujwayelekile ukuthi inzalo yalezi zinyanga eziyisithupha zeholidi, inezelele esikweletini sakho.Lokhu akuyona into embi, uma kodwa kungukuthi uyazi ukuthi ungena entweni enjalo. Ungathuki uma ubona isikweletu sakho sehla kancane uma usuqala ukusikhokhela.Idiphozi: Abanye bazothi uzoqala ukukhokha emuva kwezinyanga ezithile bese befuna idiphozi enkulu. Lokhu akuhlukile nobugebengu bokuheha mbumbulu ngoba le mali oyifaka ibe idiphozi, iyona le osuke kuthiwa yiholidi lakho.Inzalo: Inzalo oyikhokha esikweletini sakho ibaluleke kakhulu ekutholeni imali ozoyikhokha nyanga zonke. Uma inzalo iphezulu, nemali oyikhokha nyanga zonke izoba phezulu.Uma ubona lezi zipesheli, ubonaka ukuthi inzalo yakhona idlule kangakanani enanini elibekiwe lenzalo yemali mboleko (Prime interest rate).Uma uthola ukuthi amaphesenti enzalo angaphezulu kwaleli nani elibekiwe, uyazi ke ukuthi inkulu imali ozoyikhokha ngenyanga.Abadayisi bayazi ukuthi uzohehwa yindaba yokukhokha emva kwezinyanga ezibekiwe kodwa ngenxa yenzalo enkulu abakunika yona, uzokhokha imali eningi kunejwayelekile okwenza bona bayithole imali yabo le obuthi yiholidi.Intengo yemoto: Uma uthenga imoto iyintsha, yehlelwa yintengo yayo ngesikhathi iphuma egaraji. Uma uthenga imoto namuhla isikweletu othenge ngaso siyanyuka ngoba kungena inzalo.Ukuphambana kwala manani kuyinkinga (intengo ephansi kanti isikweletu siphezulu) ikakhulukazi uma ungafakanga idiphozi eyehlisa inani lesikweletu ngisho ikhona inzalo.Ukuze asondelane la manani kumele ukhokhe njalo ngenyanga ukwehlisa isikweletu sihambisane nokwehla kwentengo yemoto yakho.Uma imoto uqala ukuyikhokhela emuva kwezinyanga eziningi, intengo yemoto izobe ingasilindile isikweletu okusho ukuthi izothi yehla, sibe simile isamba sesikweletu. Inkinga iqala uma usufuna ukushintsha imoto okwenza kube khona i-shortfall.I-shortfall ugibe oluphakathi kwentengo yemoto yakho nesamba sesikweletu esisele ebhange. Uma usheshe uqala ukwehlisa isamba sesikweletu, kuyasiza ngoba kwehlisa nentengo yemoto.
