Abantu abaninzi abafuna ukuthenga imoto banqwenela ukwazi into enenzuzo ukuthatha, iimali-mboleko zemoto okanye iimali-mboleko zabathengi. Makhe siqwalasele ezimbini iindlela, kwaye sinqume ukuba sisiphi isisombululo esiya kuqiqa.
Yintoni engcono: imboleko yemoto okanye mboleko mboleki?
Okokuqala, siya kuqonda ukuba yintoni eyahlula imboleko yemoto kumboleki-mboleki: ukuba ubheka kuphela kwintsimi yalo mbandela, kuyacaca ukuba ukungafani okona kubini:
- Inzala yemali mboleko mboleko ingaphantsi kwexesha lokuthatha ityala lomboleki.
- Xa wenza imboleko yemoto, uhlala unyanzelekile ukuba uhlawule kunye neCASCO.
Ukuze wenze isigqibo esilungileyo, kuqala ubale ukuba imihluko yokuhlawulwa kwemali iya kuba yindlela enye yokuboleka imali, kuthelekiswa nenye. Ukuqhubela phambili ukuhlawulwa kwemali yemali mboleko yongeza imali oza kuyisebenzisa kwiCASCO, ngoko uya kubona ukuba uya kuhlawula phi. Ewe, ininzi iya kuxhomekeka kwimimiselo yebhanki, ngoko ungaba uvila ukutyelela amaziko amaninzi afanayo, kunokwenzeka ukuba kwindawo ethile uza kufumana iimeko ezifanelekileyo.
Kukho enye into eyenza ukuba kunokwenzeka ukuba kulungele ukuthatha imali mboleko yemoto okanye mboleko mboleki, oku kuyintlawulo yokuqala yemoto okufuneka uyihlawule ukuba ukhetha okokuqala. Kucacile ukuba ukuba ungenayo imali efunekayo, ngoko uya kuphoqeleka ukuba ufake isicelo somboleki mboleki. Kodwa, ukuba kukho imali yenkxaso kwaye kukho ithuba lokunikezela ngemali eyongezelelweyo kulo, kubalwa kufuneka kwenziwe kwakhona. Mhlawumbi kuvela ukuba kunenzuzo enkulu kuwe ukuba uthathe imali mboleko yomthengi, yongeza imali ekhoyo kwaye ngoko, ungaphangeli kwakhona.
Into yokugqibela yokufaneleka ukuvavanya iimeko zokubonelela ngemali ebhanki, nokuba ngaba kuya kwenzeka ukwenza iintlawulo zokuqala, ngaba kukho ukhetho, ukuba kunyanzelekile, ukuzinqanda nokufumaneka kwekhomishini yokugcina i-akhawunti kunye nezinye iinkonzo. Zonke ezi pharamitha ziyakuchukumisa isigqibo, ngoko xa ucinga ngemboleko yemoto okanye imali yokubolekwa ngabathengi, qiniseka ukuba uyawaqwalasela. Ngokuqhelekileyo, abantu abangakhange baqhathanise ukunikezelwa kwebhanki kule miqathango, hlawula apho ixabiso elininzi, ukuba awufuni ukuba phakathi kwabo, musa ukwenza loo mpazamo, funda zonke iimeko kunye neenkcukacha zentengiselwano kwangaphambili. Kule ndlela kuphela uya kufumana okukhethwa kukho.