Ngaba ndingayifumana imali yokubambisa ukuba ndiqale umsebenzi omtsha?
Ukuba unetyala elibi kodwa ufuna ukufumana imali yokubambisa, ukongeza umntu ongenguye umntu osayinileyo kwimali-mboleko yakho kunokukunceda ufumane imali. Nangona kunjalo, isigqibo sokusayina imali-mboleko okanye ukongeza enye kwimali-mboleko yakho akufanele senziwe ngaphandle kokwazi zonke izibakala.
Namhlanje siza kujonga ukuba kuthetha ukuthini ukuba ngumntu ongenguye umhlali-okanye utyikitye-kwimali-mboleko yokubambisa. Kweli nqaku, siza kukubonisa ukuba kuthetha ukuthini ukuba ngumsayini kunye kwaye xa kunenzuzo. Siza kukwazisa kwakhona kwizinto ezingeloncedo zokuba liqabane elingahlaliyo kunye nezinye iindlela onokukhetha kuzo njengomboleki.
Umtyikityi ngumntu ovumayo ukuthatha uxanduva lwezemali kwimboleko yomboleki wokuqala ukuba lowo ubolekayo akasakwazi ukwenza intlawulo, kwaye udla ngokuba lilungu losapho, umhlobo, iqabane, okanye umzali.
Kutheni le nto imali-mboleko inokuqinisekiswa? Abantu batyikitya imali-mboleko ukunceda amalungu osapho okanye abahlobo abafuna ukuboleka okanye ukubonelela ngetyala elibi. Ukuba isicelo sakho semali-mboleko sibuthathaka, ukufumana umhlobo okanye ilungu losapho ukuba lisayine imali-mboleko kukwenza ube ngumgqatswa onomtsalane ngakumbi.
Ukuphulukana nomsebenzi wakho emva kokuvunywa kwe-mortgage
Uninzi lwezibonelelo kunye namakhadi etyala avela kule ndawo avela kubathengisi apho le webhusayithi ifumana kubo imbuyekezo ngokuvela apha. Le mbuyekezo inokuchaphazela indlela kunye nalapho iimveliso zivela khona kule ndawo (kubandakanywa, umzekelo, ulandelelwano oluvela ngayo). Ezi zinikezelo azimeli zonke iinketho zekhadi letyala kunye neakhawunti. *APY (Ipesenti yoNyaka yeSivuno). Uluhlu lwamanqaku ekhredithi lubonelelwe njengezikhokelo kuphela kwaye imvume ayiqinisekiswanga.
Inkqubo yokuvunywa kwangaphambili ibandakanya ukubonelela umbolekisi wezindlu kunye neembuyekezo zakho zerhafu kwiminyaka emibini edlulileyo, i-stubs ye-paycheck, i-W-2s, izitetimenti zebhanki, kunye nombolekisi uya kujonga imbali yakho yetyala.
Nangona kunjalo, umbolekisi uya kufuna ulwazi malunga nomnikezeli. Oku kubandakanya ubudlelwane babo nawe, isixa-mali somnikelo, kwaye lowo unikelayo kufuneka angenise ileta echaza ukuba abalindelanga kubuyiselwa.
Nangona kunjalo, phambi kokuba uhambe le ndlela, qiniseka ukuba nobabini niyayiqonda ingozi enxulumene nokusayina ngokubambisana imali-mboleko. Igama lalo mntu liya kuvela kwi-mortgage loan, ngoko banoxanduva ngokulinganayo kwintlawulo ye-mortgage.
Igxothwe ngexesha lenkqubo ye-mortgage
Ababolekisi bezindlu ngokuqhelekileyo bayayiqinisekisa ingqesho yakho ngokuqhagamshelana ngqo nomqeshi wakho kunye nokuphonononga amaxwebhu omvuzo wamva nje. Umboleki kufuneka asayine ifomu egunyazisa inkampani ukuba ikhulule ingqesho kunye nolwazi lwengeniso kumntu onokuba ngumbolekisi. Ngelo xesha, umbolekisi udla ngokufowunela umqeshi ukuze afumane inkcazelo efunekayo.
Ngokubanzi, ababolekisi baqinisekisa ngomlomo ulwazi olunikezelwa ngababoleki kwiSicelo seMali-mboleko yokuHlala efanayo. Nangona kunjalo, banokukhetha ukuqinisekisa idatha ngefeksi, i-imeyile okanye indibaniselwano yeendlela ezintathu.
Ababolekisi basebenzisa olu lwazi ukubala iiparamitha ezahlukeneyo ukumisela ukuba kunokwenzeka kangakanani na ukuba lowo ubolekayo ayibuyise imali-mboleko. Utshintsho kwimeko yengqesho lunokuba nempembelelo enkulu kwisicelo somboleki.
Ababolekisi bakwanomdla ekuqinisekiseni isihloko somsebenzi, umvuzo, kunye nembali yengqesho. Nangona ababolekisi beqinisekisa kuphela imeko yengqesho yangoku yomboleki, banokufuna ukuqinisekisa iinkcukacha zengqesho yangaphambili. Lo mkhuba uqhelekile kubaboleki abaye bahlala nenkampani yabo yangoku isithuba esingaphantsi kweminyaka emibini.
Kwenzeka ntoni ukuba ulahlekelwa ngumsebenzi wakho ngexesha lediphozithi
Nangona kunjalo, ababolekisi banyanzelekile ukuba baqinisekise ukuba unako ukuhlawula imali mboleko yakho ngaphandle kobunzima obukhulu bezemali. Oku kuthetha ukuba banokubuza ukuba ulindele naluphi na utshintsho kwiimeko zakho kungekudala.
Kwaye iindleko ezihambelana nomntwana omtsha-ungakhankanyi iindleko eziqhubekayo zokunakekelwa kwabantwana-ziya kwongeza kwiindleko zakho, nazo. Ukukwazi kwakho ukuhlawula imali mboleko kunokwenzeka ukuba kuchaphazeleke.
Xa ufaka isicelo semali mboleko, ababolekisi bajonga umvuzo wakho kwiminyaka emibini yokugqibela yomsebenzi. Bajonge ingeniso eqhubekayo kunye nethuba lokuba iya kuqhubeka. Ikhefu lokuya kubeleka linokuchaphazela oko kunokwenzeka.
Ukuba umqeshwa ebeqeshwe kwinkampani enye kangangeenyanga ezili-12 ubuncinane ubuncinane beeyure ezingama-24 ngeveki zokusebenza, umqeshi unyanzelekile ukuba alandele imigaqo yomthetho, ingakumbi ngokuphathelele ukubuyiselwa komqeshwa emsebenzini emva kokuba esebenze. umhlala phantsi wokumitha.
