Chelete ea hau ea ntlo e lokela ho ba karolo ea bokae ea moputso oa hau? Dave Ramsey
Sebelisa matshwao a qotso ho batla "polelo e nepahetseng". Kenya naleli (*) lentsoeng la ho batla ho fumana mefuta e fapaneng ea lentsoe (transp*, 32019R*). Sebelisa letšoao la potso (?) sebakeng sa tlhaku e le 'ngoe lentsoeng la ho batla ho fumana mefuta e fapaneng ea lentsoe (ca?e finds case, cane, care).
TOKOMANE EA HO SEBELISA COMMISSION STAFF Report on Belgium 2017 e tsamaeang le tokomane COMUNICATION FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT, THE COUNCIL, EUROPEAN CENTRAL BANK LE EUROGROUP 2017 European Semester: Assessment of the progression of the structuional reform and correction of the development of ea litlhahlobo tse tebileng tse entsoeng tlas'a Molao (EU) No 1176/2011 {COM(2017) 90 final} {SWD(2017) 67 final to SWD(2017) 93 final}
TOKOMANE EA HO SEBELISA COMMISSION STAFF Report on Belgium 2017 e tsamaeang le tokomane COMUNICATION FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT, THE COUNCIL, EUROPEAN CENTRAL BANK LE EUROGROUP 2017 European Semester: Assessment of the progression of the structuional reform and correction of the development of ea litlhahlobo tse tebileng tse entsoeng tlas'a Molao (EU) No 1176/2011 {COM(2017) 90 final} {SWD(2017) 67 final to SWD(2017) 93 final}
Sekhalkhuleita sa phaello ea karete ea mokitlane ea UK
Empa ho thoe’ng ka beng ba matlo ba nako e telele? Lilemo tseo tse 30 tsa litefo tsa tsoala li ka qala ho ikutloa eka ke moroalo, haholo ha li bapisoa le litefo tsa hona joale tsa mekoloto tse nang le tsoala e tlase.
Leha ho le joalo, ka ho nchafatsa chelete ka lilemo tse 15, u ka fumana tsoala e tlase le nako e khuts'oane ea kalimo ho lefa sekoloto sa hau sa ntlo kapele. Empa hopola hore ha nako ea sekoloto sa hau e le khuts'oane, litefiso tsa khoeli le khoeli li phahame.
Ka sekhahla sa tsoala sa 5% nakong ea lilemo tse supileng le likhoeli tse 'ne, litefiso tsa hau tsa mortgage tse fetisetsoang li tla lekana le $135.000. Ha a ka a boloka $59.000 feela ka tsoala, empa o na le chelete e eketsehileng ka mor'a nako ea pele ea lilemo tse 30.
E 'ngoe ea litsela tse bonolo ka ho fetisisa tsa ho etsa tefo e eketsehileng selemo le selemo ke ho lefa halofo ea tefo ea ntlo ea hau libeke tse ling le tse ling tse peli ho e-na le ho lefa chelete e feletseng hang ka khoeli. Sena se tsejoa e le "litefo tsa hae ka beke."
Leha ho le joalo, u ke ke ua qala ho lefa ka mor'a libeke tse ling le tse ling tse peli. Mosebetsi oa mokoloto oa hau a ka ferekanngoa ke ho fumana litefo tse sa fellang kapa tse sa tloaelehang. Buisana le mofani oa mokoloto oa hau pele hore le lumellane ka morero ona.
Ke etsa $70.000 ka selemo, nka reka bokae bakeng sa ntlo?
Ho lefa sekoloto sa hau pele ho nako ho ka u thusa ho fumana botsitso ba lichelete 'me ho ka boloka chelete ha nako e ntse e ea ka ho bokella tsoala e nyane. Mona ke tse ling tsa litsela tseo u ka lefang sekoloto sa hau sa ntlo kapele:
Tsela e 'ngoe ea ho boloka chelete ho tsoala, ha u ntse u fokotsa nako ea mokoloto, ke ho etsa litefello tse eketsehileng tsa mortgage. Haeba mokoloto oa hau a sa lefe kotlo ea ho lefa sekoloto sa hau pele ho nako, nahana ka maano a latelang a ho lefa sekoloto sa hau pele ho nako.
Hopola feela ho tsebisa motho ea alimang chelete hore litefo tsa hau tse eketsehileng li lokela ho sebelisoa ho mosuoe-hlooho, eseng tsoala. Ho seng joalo, mofani oa chelete a ka sebelisa litefo ho litefo tse reriloeng nakong e tlang, tse ke keng tsa u bolokela chelete.
Hape, leka ho lefa esale pele u alima chelete, ha phaello e le holimo. U ka 'na ua se elelloe, empa boholo ba tefo ea khoeli le khoeli bakeng sa lilemo tse' maloa tse qalang e lebisa ho tsoala, eseng chelete e ka sehloohong. 'Me tsoala ea kopanngoa, ho bolelang hore tsoala ea khoeli ka 'ngoe e khethoa ka kakaretso ea chelete e kolotoang (principal plus interest).
Peresente ea Lekeno bakeng sa Mortgage Calculator
Haeba u sa khone ho reka ntlo ka chelete, u na le botsoalle bo botle. Ka 2019, 86% ea bareki ba matlo ba ile ba sebelisa mokoloto oa ntlo ho koala selekane, ho latela Mokhatlo oa Naha oa Barekisi. Ha u le monyenyane, ho na le menyetla e mengata ea hore u hloke sekoloto sa ntlo ho reka ntlo - 'me u ka ipotsa, "Nka reka ntlo e kae?" kaha ha u e-s'o fete phihlelo eo.
Chelete ke ntlha e totobetseng ea hore na u ka reka ntlo e kae: Ha u ntse u fumana chelete e ngata, u ka khona ho reka ntlo e ngata, na ha ho joalo? E, ho feta kapa ka tlase; ho itšetlehile ka karolo ea chelete ea hau e seng e ntse e lefshoa ke likoloto.
E ka 'na eaba u lefa sekoloto sa koloi, karete ea mokitlane, sekoloto sa botho, kapa sekoloto sa sekolo. Bonyane, ba alimang ba tla eketsa litefiso tsohle tsa khoeli le khoeli tseo u tla li etsa likhoeling tse 10 tse tlang kapa ho feta. Ka linako tse ling, ba tla kenyelletsa likoloto tseo u li lefang likhoeli tse 'maloa feela haeba litefello tseo li ama haholo tefo ea khoeli le khoeli ea mokoloto eo u ka e lefang.
Ho thoe'ng haeba u na le mokoloto oa moithuti ka nako e telele kapa mamello mme ha joale o sa lefe? Batho ba bangata ba rekang matlo ba maketse ho tseba hore ba alimang ba kenya chelete ea hau ea mokoloto oa baithuti nakong e tlang ho lefa mekoloto ea hau ea khoeli le khoeli. Ntle le moo, ho lieha le mamello feela ho fa ba alimang tefiso ea nako e khuts'oane, e khuts'oane ho feta nako ea mokoloto oa bona.
