Izizathu ezi-3 onokuthi ufune iMali-mboleko yemoto eVunyiweyo kwangaphambili kubafundi4 min funda

Ukufumana imali mboleko yemoto sisigqibo esibalulekileyo sezemali, kwaye akunakuba lula ukujija iinketho ezahlukeneyo xa ungumfundi wekholeji.

Ngokuxhomekeke kwimeko yakho yezemali, kunokubakho iindlela ezininzi, kodwa enye yeendlela ezikrelekrele inokuba kukwamkelwa kwangaphambili kwimali mboleko yemoto.

Izibonelelo ezininzi ziza ngokuba nenkxaso-mali ezenzekelayo itshixelwe phambi kokuba uye kumthengisi.

Kuthetha ukuthini ukuvunywa kwangaphambili kwimali mboleko yemoto

Ukufumana imvume kwangaphambili kwimali mboleko yemoto kuthetha ukuthatha amanyathelo ayimfuneko ukuze ufumane imali mboleko yemoto phambi kokuba ukhangele imoto.

Ngokuthatha le ndlela isebenzayo, kunokwenzeka ukuba ufumane intywenka yemali kwisithuthi sakho esitsha kuba unokuthenga ngokuzithemba kuba usazi kakuhle ukuba yimalini ekhoyo onokuyichitha kuso.

Fumana imvume kwangaphambili kwimali mboleko yemoto kwaye ubone ukuba ingakwenza njani ukuthenga imoto entsha kube lula kwaye kulula.

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1. Uya kukwazi ukuba yimalini onokuyihlawula ngaphambi kokuba uqalise ukujonga iimoto:

Ukufumana imvume yokubolekwa kwemoto kwangaphambili kunokuseka uhlahlo lwabiwo-mali ngaphambi kokuba uqale ukujonga iimoto.

Ukwazi ukuba kufuneka usebenze kangakanani ngaphambi kokuba uye kumthengisi kuya kukuthintela ukuba ungangeni phezu kwentloko yakho kwaye wenze inkqubo yokukhetha imoto ibe lula kakhulu.

Uya kuyazi into onokuyithenga kwaye zeziphi iimoto onokuzithenga.

2. Awuyi kuchitha ixesha ujonga iimoto ongakwaziyo ukuzihlawula

Ukuthatha ixesha lokuvunywa kwangaphambili kwimali mboleko yemoto kunokusindisa ixesha elikhulu ekuthengeni imoto.

Awuyi kuba nexhala malunga nokuqikelela ukuba unako ukuthenga into ethile, njengoko uya kuba sele uyazi uhlahlo lwabiwo-mali lwakho ngaphambi kokuba ungene kumthengisi.

Ukwazi ukuba ungachitha ntoni na kukunceda ukuba ucuthe ukhetho lwezithuthi ngokukhawuleza kwaye kuthetha ukuba iiyure ezimbalwa ezichithwe ngokujonga iiwebhusayithi zoluhlu lwezithuthi ezigcwele iimoto ezingaphandle koluhlu lwamaxabiso akho.

Ukufumana imvume kwangaphambili kukunika iinkcukacha malunga nokuba yimalini na onokuyiboleka, ngoko xa ixesha lifika lokwenza izigqibo malunga nobude bemali-mboleko kunye nezinga lenzala, uya kuxhotyiswa ngalo lonke ulwazi lwezemali kumbolekisi wakho olufunekayo ukwenza ukhetho olunolwazi.

3. Uya kukwazi ukufumana inzala engcono kwimali-mboleko yemoto yakho ukuba uvunywe kwangaphambili

Abathengi abaninzi beemoto abayiqondi loo nto, kodwa ukuvunywa kwangaphambili kwimali mboleko yemoto kunokukunceda ufumane eyona nto ingcono. Ukwenza isicelo senkqubo yokuvunywa kwangaphambili kulula kwaye kulula, kodwa inzuzo yokwenza oko inkulu kakhulu.

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Ukuvunywa kwangaphambili akuyi kuchaphazela kuphela izinga lenzala oya kuyifumana kwimali mboleko yemoto yakho, kodwa kuya kukunika amandla amaninzi xa uthethathethwano nabathengisi.

Ukuvunywa kwangaphambili kunokukongela amakhulu-nokuba ngamawaka-eedola kwiindleko zizonke zemboleko yakho kwaye kukunike ukuzithemba ngakumbi ngexesha lokuthenga.

Indlela yokuvunywa kwangaphambili kwimali mboleko yemoto

Ukufumana imvume yokubolekwa kwemoto kwangaphambili linyathelo elibalulekileyo ekuthengeni isithuthi esitsha. Nanga amanye amacebiso okunceda abafundi beekholeji ukuba bavunywe kwangaphambili kwimali mboleko yemoto. 

1. Jonga iNqaku lakho leTyala 

Amanqaku akho ekhredithi aya kudlala indima ebalulekileyo ekufumaneni imvume kwimali-mboleko, ngoko kubalulekile ukujonga amanqaku akho ekhredithi ngaphambi kokufaka isicelo senkxaso-mali.

Ngokubanzi, ababolekisi bajonga ababoleki abanamanqaku angama-700 okanye ngaphezulu. Nangona kunjalo, abanye ababolekisi basebenza ngokukhethekileyo nababoleki abanamanqaku angaphantsi kunawo agqibeleleyo. 

2. Yenza uphando lwakho                                                                       

Ukuphanda ababolekisi abahlukeneyo kunye nemali mboleko yemoto kubalulekile ukuze ufumane eyona mali ingcono kwimali mboleko yakho yemoto.

Ezinye iikhatyhuleyitha ezikwi-intanethi zinokukunceda ubone inzala kunye neentlawulo zenyanga onokuzilindela ngokusekelwe kumanqaku akho etyala kunye nenqanaba lomvuzo.

Ukongeza, ungoyiki ukuthenga kufutshane; ababolekisi abaninzi bazimisele ukusebenza nabafundi beekholeji. Ke, thatha ixesha lokuthelekisa amaxabiso kunye nemigaqo ngaphambi kokuba uzibophelele kuye nawuphi na umbolekisi.  

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3. Qokelela Amaxwebhu ayimfuneko

Nje ukuba wenze isigqibo sokuba ngowuphi umbolekisi okulungeleyo, lixesha lokuqokelela amaxwebhu ayimfuneko ukuze ugqibezele inkqubo yakho yesicelo.

Oku kuquka ubungqina bengeniso (imali yokubhatala okanye imbuyekezo yerhafu), ubungqina bedilesi (amatyala asetyenziswayo okanye iingxelo zebhanki), kunye nolunye ulwazi lwezemali olufana nokonga notyalo-mali.

Ngaphambi kokuba ungenise isicelo sakho, qinisekisa ukuba onke amaxwebhu achanekile kwaye asexesheni; oku kuyakukhawulezisa inkqubo yokuvunywa kakhulu! 

Ukufumana imvume yokubolekwa kwemoto kwangaphambili linyathelo elibalulekileyo kwinkqubo yokuthenga imoto-ingakumbi ukuba ungumfundi wasekholejini onokuthi akanatyala ngokugqibeleleyo okanye imali eyaneleyo egcinelwe intlawulo ephantsi.

Ngokwenza uphando lwakho, ukuqokelela amaxwebhu ayimfuneko, kunye nokujonga amanqaku akho etyala kwangaphambili, unokuzibeka kwindawo engcono xa kufika ixesha lokufaka isicelo senkxaso-mali.

La manyathelo aya kunceda ekuqinisekiseni ukuba ufumana eyona nto ingcono kwimoto yakho entsha.

Eyoyikekayo; Ndiyathemba ukuba eli nqaku liwuphendule umbuzo wakho.

Iingcebiso zomhleli:

Ukuba ufumana eli nqaku lilungile, nceda wabelane ngalo nomhlobo.