Isigwebo seNkundla Ephakamileyo ngeendleko zokulungisa izindlu
Xa abantu befuna imali, ukukhangela umgca wetyala kudla ngokuba yinto yokugqibela ethi qatha engqondweni. Into yokuqala ethi qatha engqondweni yesiqhelo kukuya ebhankini uyokufumana imali-mboleko yesiqhelo emiselweyo okanye eguquguqukayo, usebenzise amakhadi okuthenga ngetyala, uboleke kubahlobo okanye usapho, okanye usebenzise imali-mboleko yoontanga okanye iminikelo ekhethekileyo kwiwebhu. . Okona kubi kakhulu, kukho iivenkile ezithengisa i-pawn okanye ababolekisi bentlawulo.
Iinkampani bezisoloko zisebenzisa iintambo zetyala iminyaka ukukhawulelana neemfuno zabo zenkunzi yokusebenza kunye/okanye zisebenzise amathuba otyalo-mali olucwangcisiweyo, kodwa azizange zidume ngolu hlobo ebantwini. Oku kunokubangelwa, ngokuyinxenye, kwinto yokuba iibhanki azidli ngokubhengeza imigca yetyala kwaye abo banokuba ngaboleki abacingi ngokubuza. Ekuphela kwendlela yetyala enokuthi ivele yiHome Equity Line yeTyala okanye i-HELOC. Kodwa yimali-mboleko ekhuselwe yindlu yomboleki, eneengxaki zayo kunye nemingcipheko.
Umgca wetyala yimali-mboleko eguquguqukayo evela ebhankini okanye kwiziko lezemali. Njengekhadi lokuthenga ngetyala elikunika isixa-mali esilinganiselweyo semali - imali onokuyisebenzisa xa, ukuba ufuna yaye njani - umgca wetyala sisixa-mali esichaziweyo onokufikelela kuso xa uyifuna uze ukwazi ukuyibuyisela. ngokukhawuleza okanye kwixesha elimiselweyo. Njengemali-mboleko, umgca wetyala uya kuhlawulisa inzala ukususela kwixesha lokubolekwa kwemali, kwaye aboboleki kufuneka bavunywe yibhanki, olo vumo luyimveliso ephuma kumlinganiselo wetyala lomboleki kunye/okanye nobudlelwane babo nebhanki. Gcina ukhumbule ukuba izinga lenzala lihlala liguquguquka, nto leyo eyenza kube nzima ukuqikelela ukuba imali ebolekiweyo iya kugqiba ukuxabisa ntoni.
Umthetho wentlawulo yokugcinwa kwexabiso eliphantsi
Ngokuqhelekileyo kukho iindleko ezininzi ezinxulumene nemali-mboleko. Ezi ziquka iintlawulo ezisisiseko, ezifana nemali-mboleko yokuqalisa kunye namazinga enzala, kunye neentlawulo ezithe ngqo, ezifana neentlawulo zokufikelela kwi-akhawunti ye-intanethi kunye nee-EMI bounce. Phambi kokufaka isicelo semali-mboleko, kusoloko kulungile ukujonga iinkcukacha kuzo zonke ezi ntlawulo ukuququzelela ulawulo lwemali olufanelekileyo.
Imali-mboleko yobuqu sisixhobo esithembekileyo xa kufikwa kwiimfuno zemali. Nangona kunjalo, kusabalulekile ukugcina umkhondo wokuba uza kuchitha malini xa uboleka imali nangexesha lokuhlawula. Oku kuya kukunceda wenze izigqibo ezifanelekileyo kwaye uqinisekise inkqubo yembuyiselo egudileyo. Ke, nokuba ufuna ukufumana imali-mboleko yobuqu ukuze ucwangcise uhambo lwamazwe ngamazwe okanye uhlaziye ikhaya lakho ngezinto ezongezelelekileyo zale mihla, qiniseka ukuba ufunda imirhumo enxulumene nayo kuqala ukuze ube nokucwangcisa iindleko zakho ngokufanelekileyo.
Nokuba ukhethe ukuhlawula inzala emiselweyo okanye eguquguqukayo, ukuba sele uhlawule i-EMI yenyanga enye kwaye unqwenela ukwenza imali-mboleko yakho ngokuhlawula isixa esipheleleyo kwisambuku esinye, usenokuba phantsi kwentlawulo yesiqhelo kunye neerhafu ezifanelekileyo. inqununu ebalaseleyo.
Isigwebo seNkundla ePhakamileyo kwi-alimony yenkampani
Xa ucinga ngokuthenga ikhaya ngesiseko sokwabelana ngobunini, kubalulekile ukuba wazi iindleko ezibandakanyekayo ekuthengeni ipropati kunye neendleko zenyanga ekulindeleke ukuba uzihlawule emva kokuba ungene kwikhaya lakho elitsha.
Xa uthenga ikhaya lobunini ekwabelwana ngalo, kuya kufuneka uhlawule idiphozithi. Le yimali oyihlawulela iindleko zesitokhwe osithengayo ngexesha lokuthenga. Imali efunekayo kwidiphozithi iyahluka ukusuka kwipropathi ukuya kwipropathi, kodwa idiphozithi yobunini besabelo eqhelekileyo sisi-5% okanye i-10% yesabelo osithengayo.
Njengomthengi wokuqala, xa uthenga ipropati ekwabelwana ngayo uya kuba nokukhetha ukuhlawula irhafu yesitampu ngexabiso elipheleleyo lepropati ngokungathi uthenga ngokuthe ngqo. Ukungalungi yindleko yokuqala, ngelixa inzuzo kukuba awuyi kuphinda uhlawule irhafu yoxwebhu, nokuba uthenge ipropati ngokupheleleyo kamva ngexabiso eliphezulu.
Unokukhetha ukuhlawula irhafu yoxwebhu kuphela kwindawo oyithengayo, enokuba ngaphantsi kwexabiso elivumelekileyo kubathengi bokuqala. Kusenokubakho irhafu esekelwe kwirenti ehlawulwa ngexesha lokuqeshisa (intlawulo yokuqeshisa), ebizwa ngokuba "lixabiso elikhoyo eliseleyo". Inzuzo kukuba iindleko ezenziwe ngexesha lokuthenga ziyancipha, ngelixa i-disadvantage kukuba iindleko ezipheleleyo zingaba phezulu xa i-80% okanye ngaphezulu kwepropati ifunyenwe.
Imithetho yeRera yeendleko zokugcina
Iibhanki ezininzi zihlawulisa imali yokugcina inyanga nenyanga kwii-akhawunti zokutshekisha kunye nokonga, indleko enokudibanisa ngokukhawuleza. Kodwa ezinye iibhanki ziyayirhoxisa loo mrhumo phantsi kweemeko ezithile, nto leyo evumela abantu ukuba bayiphephe le mali inyanga nenyanga.
Inqaku loHlelo: I-Credit Karma ifumana imbuyekezo kubathengisi beqela lesithathu, kodwa oku akuzichaphazeli iimbono zabahleli bethu. Abathengisi bethu abaphononongi, bavume okanye baxhase umxholo wethu wokuhlela. Ichanekile ngokolwazi nenkolelo yethu xa ipapashwa.
Sicinga ukuba kubalulekile ukuba uqonde indlela esenza ngayo imali. Enyanisweni, ilula kakhulu. Izibonelelo zeemveliso zemali ozibonayo kwiqonga lethu zivela kwiinkampani ezisihlawulayo. Imali esiyifumanayo isinceda ukuba sikwazi ukufikelela kumanqaku etyala kunye neengxelo simahla kwaye isinceda senze ezinye izixhobo zethu zemfundo ezintle kunye nemathiriyeli.
Imbuyekezo inokuphembelela ukuba zivela phi kwaye njani iimveliso kwiqonga lethu (kwaye ngoluphi ulandelelwano). Kodwa ngenxa yokuba senza imali ngokubanzi xa ufumana isithembiso osithandayo kwaye usithenge, sizama ukukubonisa izinikezelo esicinga ukuba zikulungele wena. Yiyo loo nto sinikezela ngeempawu ezinje ngokuvunywa kunye noqikelelo lokonga.
