Amaxwebhu afunekayo kwisicelo semali mboleko
*I-inshurensi yobomi (ukubalwa kobomi kunye ne-inshurensi ye-amortization): i-226,58 euros yeprimiyamu yonyaka (phantsi kwesiseko sokuba iprimiyamu ayizukwahluka ngexesha lokusebenza, kwaye ayiyi kuhlaziywa ngokusekwe kwi-capital amortized okanye ubudala be-inshurensi. ). Intlawulo yanyanga le ibalwa ngokusekelwe kwimvumelwano ye-inshurensi yobomi kwi-50% yemali eyinkunzi kunye neminyaka yobudala yomnini-polisi engama-30. Iindleko zale nkonzo ziya kuhlawulwa ngumthengi ukuba uceliwe.
1 Isistim yembuyekezo yesiFrentshi: Intlawulo ethe gqolo ebandakanya inxalenye yentlawulo eyintloko kunye nenxalenye yenzala. Inxalenye yenzala ebandakanyiweyo kwintlawulo nganye iya kuba sisiphumo sokusebenzisa izinga lenzala elisebenzayo kwinkunzi eseleyo ekuqaleni kwexesha lenyanga nganye. Umahluko kunye nesixa sentlawulo yinxalenye ehambelana ne-amortization ye-capital.
Ngenyanga nganye kufuneka uhlawule inzala kwinqununu engekahlawulwa. Xa imali mboleko ibanjwe okokuqala, kukho imali eninzi yokwenza i-amortize, ngoko ke intlawulo yenzala inkulu kune-amortization yenqununu ekuqaleni. Kuba sifuna ukuba izavenge zihlale zingatshintshi, inxalenye yenzala iyehla kwaye inxalenye yenkunzi iyanda njengoko ixesha lihamba.
Amaxwebhu asi-7 afunekayo ukwenza isicelo semali mboleko yendlu
Umbolekisi onokubakho uya kujonga ingxelo yakho yetyala ngaphambi kokuba akuvumele ukuba ubolekwe imali. Ngaphambi kokuba uqale ukuthenga i-mortgage, cela ikopi yengxelo yakho yekhredithi. Qinisekisa ukuba ayiqulathanga naziphi na iimpazamo.
Iindleko zenyanga zizonke zezindlu kufuneka zingagqithi kwi-39% yomvuzo wekhaya uwonke. Le pesenti ikwabizwa ngokuba yi-gross debt service ratio (GDS). Uyakwazi ukufumana imali yokubambisa nokuba umlinganiselo wakho we-GDS uphezulu kancinci. Umlinganiselo ophezulu we-GDS uthetha ukuba uyawunyusa umngcipheko wokuthatha amatyala amaninzi kunokuba unako.
Umthwalo wakho wetyala uwonke kufuneka ungagqithi kwi-44% yomvuzo wakho uwonke. Oku kuquka iindleko zakho zenyanga zizonke zezindlu kunye nawo onke amanye amatyala. Le pesenti ikwabizwa ngokuba ngumlinganiselo wenkonzo yetyala lilonke (TDS).
Amaziko alawulwa ngurhulumente, afana neebhanki, afuna ukuba uphumelele uvavanyo loxinzelelo ukuze ufumane imali yokubambisa. Oku kuthetha ukuba kufuneka ubonise ukuba unako ukufikelela kwintlawulo ngexabiso lenzala elifanelekileyo. Olu hlobo ludla ngokuba phezulu kunolo luvela kwikhontrakthi ye-mortgage.
Ngaba ababolekisi bajonga ntoni kwiingxelo zetyala?
Ngokubanzi, unokufaka isicelo semali mboleko yokuqala yokuthenga indlu okanye indawo yokuhlala, uhlaziye, wandise kwaye ulungise ikhaya lakho langoku. Uninzi lweebhanki lunomgaqo-nkqubo owahlukileyo kwabo baya kuthenga ikhaya lesibini. Khumbula ukubuza ibhanki yakho yorhwebo ngengcaciso ethile kule miba ingentla.
Ibhanki yakho iya kuvavanya amandla akho okubuyisela xa usenza isigqibo malunga nokufaneleka kwemali mboleko. Umthamo wentlawulo yentlawulo usekelwe kumvuzo wakho olahlayo/ongaphezulu kwenyanga, (osekelwe kwimiba enjengomvuzo wenyanga uwonke/ugqithiso lwenyanga kuthatyathwe iindleko zenyanga) kunye nezinye izinto ezifana nomvuzo weqabane, izinto zexabiso, amatyala, ukuzinza kwengeniso, njl. Eyona nto iphambili yebhanki kukuqinisekisa ukuba uyibuyisela kakuhle imali-mboleko kwangexesha nokuqinisekisa ukuba iyayisebenzisa okokugqibela. Okukhona uphezulu umvuzo wenyanga ofumanekayo, kokukhona uphezulu isixa apho imali-mboleko iya kufaneleka ngayo. Ngokuqhelekileyo, ibhanki ithatha malunga ne-55-60% yomvuzo wakho wenyanga olahlayo / i-surplus iyafumaneka ukuze uhlawule imali mboleko. Nangona kunjalo, ezinye iibhanki zibala ingeniso elahlayo yentlawulo ye-EMI ngokusekelwe kumvuzo opheleleyo womntu kungekhona umvuzo wabo.
Yintoni isicelo sokubambisa?
Ababolekisi bathathela ingqalelo inani leemfuno zokubambisa ngexesha lenkqubo yesicelo semali-mboleko, ukusuka kuhlobo lwepropathi ofuna ukuyithenga ukuya kumanqaku akho etyala. Umbolekisi uya kucela amaxwebhu ahlukeneyo emali xa ufaka isicelo semali mboleko, kubandakanywa neengxelo zebhanki. Kodwa isitatimenti sebhanki simxelela ntoni umboleki-mboleko wakho, ngaphandle kokuba uchitha malini ngenyanga nganye? Qhubeka ufunda ukuze ufunde yonke into anokuyitsalela umbolekisi wakho kwiinombolo ezikwisiteyitimenti sakho sebhanki.
Iingxelo zebhanki ngamaxwebhu emali enyanga okanye ngekota ashwankathela umsebenzi wakho webhanki. Iingxelo zinokuthunyelwa ngeposi, nge-elektroniki, okanye zombini. Iibhanki zikhupha iziteyitimenti zokukunceda ugcine umkhondo wemali yakho kwaye uxele izinto ezingachanekanga ngokukhawuleza. Masithi une-akhawunti yokutshekisha kunye ne-akhawunti yokonga: umsebenzi ophuma kuzo zombini ii-akhawunti mhlawumbi uya kufakwa kwingxelo enye.
Isiteyitimenti sakho sebhanki siya kukwazi ukushwankathela ukuba yimalini na onayo kwi-akhawunti yakho kwaye siya kukubonisa uludwe lwazo zonke izinto ezenziwayo kwixesha elithile, kubandakanywa iidiphozithi kunye nokutsalwa kwemali.
