Dlulisela imali-mboleko komnye umbolekisi
Kananjalo awuzukuhlawula nayiphi na imvelaphi okanye imirhumo yenkonzo kwimali-mboleko yendlu emiselweyo (uya kuhlawuliswa umrhumo wokuyibuyisela kwangethuba ukuba ubuyisela yonke okanye inxalenye yemali-mboleko yakho yemali-mboleko emiselweyo, nokuba uyaliphosa ixesha lakho elimiselweyo).
Siza kukufowunela okanye sikuthumelele i-imeyile ukuze sixoxe ngombuzo wakho. Ukuba ufuna ukufaka isicelo semali mboleko entsha, siya kukubuza imibuzo yokuqala ukuze uqalise ukuqonda imeko yakho. Le mibuzo inokuquka:
Sakuba sinazo zonke iinkcukacha esizidingayo kwaye sikholelwa ukuba singakwazi ukukunceda ngemali mboleko yendlu, siya kumisela ixesha lokudibana nawe. Ungadibana nathi esebeni, omnye wabathengisi bezindlu eziphathwayo unokukundwendwela apho kukulungele khona, okanye ukuba awukho kufutshane, singagqibezela yonke into ngefowuni kunye/okanye nge-imeyile.
Emva koko siya kukucela ukuba ugcwalise ifomu yesicelo. Ukuba ungathanda ukuqalisa inkqubo ngoku, nalu ulwazi olongezelelweyo oza kusinika ukuze sikwazi ukuphonononga isicelo sakho semali-mboleko:
Ukuvunywa kwangaphambili kuqinisekisa ukuba ugunyazisiweyo ukuboleka ukuya kwisixa esithile semali, ngokusekelwe kwiimeko ezithile. Siza kugqiba ngento onokuyiboleka xa sihlola kwaye siqinisekisa ulwazi osinika lona.
Ungatshintsha umbolekisi we-mortgage ngelixa ukwisivumelwano
Ukuze ufanelekele ukufumana i-£150 yemali eyimali, kufuneka uvule i-Akhawunti 1, utshintshele kuthi umsebenzi wakho webhanki wemihla ngemihla usebenzisa iNkonzo yokuTshintshwa kweAkhawunti yangoku uze ufake i-£1.000 ubuncinane kwiinyanga ezintathu zokuvula i-akhawunti.
Lo mnikelo ukhawulelwe kwintlawulo enye ngomthengi okanye i-akhawunti edibeneyo, kwaye uya kufumana imali phakathi kweentsuku ezingama-28 kuzo zonke iinqobo zokugweba. Uxolo, singakunika oku kuphela abantu abangazange babambe akhawunti nathi ngaphambili, kwaye/okanye abangakhange bayivule i-akhawunti yokutshekisha i-HSBC ukususela nge-1 kaJanuwari 2019. Unikezelo, okoko i-akhawunti yokutshekisha yayivulwe ngaphambi komhla woku-1 kuJanuwari 2019. Sinelungelo lokusala isicelo sakho kwaye sirhoxise esi sithembiso nangaliphi na ixesha. Ikhredithi ixhomekeke kwimeko kunye novavanyo lweemeko zakho zemali. "
Ukuba ibhanki yakho entsha okanye inkampani yokubambisa iyavuma, ii-akhawunti zebhanki ezibandakanya i-ovadrafti zinokutshintshwa kusetyenziswa iNkonzo yokuTshintsha iAkhawunti. Kwaye ukuba ufuna ukwenza imali engaphezulu kwe-akhawunti yakho yebhanki entsha, thetha nebhanki yakho entsha okanye uluntu lokwakha phambi kokuba uqalise utshintsho. Ibhanki yakho entsha okanye inkampani yemali-mboleko iya kukwazi ukukucebisa ukuba unelungelo le-ovadrafti, ngokuxhomekeke kwiikhrayitheriya zokubolekwa kwakho kunye nemeko yetyala.
Dlulisela imali-mboleko kwenye ibhanki
Ayinakuba lula ngakumbi. Sijongana nawo wonke umsebenzi wakho, sinxibelelana nombolekisi wakho wangoku kwaye senze amaphepha egameni lakho. Sikwafumaneka ngefowuni okanye ngevidiyo, kwaye kumaphondo apho kuvumelekileyo, singakwazi ukulawula intengiselwano yakho phantse.
Ayinakuba lula ngakumbi. Sikwenzela wonke umsebenzi, sinxibelelana nombolekisi wakho wangoku kwaye senze amaphepha egameni lakho. Sikwafumaneka ngefowuni okanye ngevidiyo, kwaye kumaphondo apho kuvumelekileyo, singakwazi ukulawula intengiselwano yakho ngokubonakalayo.
Nokuba ufuna ukuthoba iintlawulo zakho zenyanga okanye uthobe inzala oyihlawulayo kubomi bakho bendlu-mboleko, iingcali zethu zokubambisa imali zinokufumana isisombululo sokukunceda ufikelele usukelo lwakho kwaye unike ukuhamba kwemali yakho ukonyuka.
Nokuba ufuna ukuthoba iintlawulo zakho zenyanga okanye inzala oyihlawulayo kubomi bakho bendlu-mboleko, iingcali zethu zezindlu-mboleko zinokufumana isisombululo sokukunceda ufikelele usukelo lwakho kwaye unike ukuhamba kwemali yakho ukonyuka.
IBhanki yaseRoyal yaseCanada yenye yeebhanki ezinkulu zaseKhanada, eneqela leengcaphephe zokubambisa ezizinikele ekunikezeni izisombululo zezemali ezisebenzayo, inzala ekhuphisanayo, inkonzo yobuqu kunye neengcebiso ezilungiselelwe wena.
Ngaba imali-mboleko yendlu inokugqithiselwa komnye umntu?
UJustin Pritchard, uCFP, ungumcebisi wentlawulo kunye neengcali ngezemali. Ibandakanya iibhanki, iimali-mboleko, utyalo-mali, imali yokubambisa kunye nokunye okuninzi kwiBalance. Une-MBA evela kwiYunivesithi yaseColorado kwaye usebenze kwiimanyano zamatyala kunye neefemu ezinkulu zemali, kunye nokubhala malunga nezezimali zomntu ngaphezu kweminyaka engamashumi amabini.
UThomas J. Brock yi-CFA kunye ne-CPA engaphezulu kweminyaka engama-20 yamava kwiinkalo ezahlukeneyo ezibandakanya utyalo-mali, ulawulo lwepotfoliyo ye-inshurensi, imali kunye ne-accounting, iingcebiso zotyalo-mali lomntu kunye nocwangciso lwezemali, kunye nophuhliso lwe-asethi. .
Xa indlu ithengiswa okanye ufuduka, kusenokuba sengqiqweni ukuzama ukudlulisela imali-mboleko yendlu kumnini omtsha. Kunokuba athabathe imali-mboleko entsha, ahlawule iindleko zokuvala, aze aqale ngokutsha ngenzala ephezulu, umnini omtsha unokuthabatha iintlawulo ezikhoyo.
Iimali-mboleko ezinokugqithiselwa zikhona. Zibizwa ngokuba "yimali-mboleko eqikelelwayo." Nangona kunjalo, azininzi ezinikezelwayo. Fumana ulwazi oluthe kratya malunga nokudlulisela imali-mboleko kunye nento onokuyenza xa ufuna ukudlulisela imali-mboleko, kodwa ayifikeleleki.
