Kubumbeko kwi-Excel yengxaki yokuhlawula imali-mboleko, yeyiphi kwezi meko zilandelayo eyenzekayo?
Iimali-mboleko zobuqu ziimali-mboleko ezinemali emiselweyo, inzala kunye nemali eyimbuyekezo yenyanga ngamaxesha achaziweyo. Iimali-mboleko zomntu eziqhelekileyo ukusuka kwi-5.000 ukuya kwi-35.000 yeedola kunye nemimiselo ye-3 okanye iminyaka emi-5 e-US Azixhaswanga ngesibambiso (njengemoto okanye indlu, umzekelo), njengoko kuqhelekileyo kwiimali-mboleko ezikhuselekileyo. Endaweni yoko, ababolekisi basebenzisa amanqaku akho etyala, umvuzo, inqanaba letyala kunye nezinye izinto ezininzi ukugqiba ukuba ungayinika na imali mboleko kwaye ngeliphi izinga lenzala. Ngenxa yobume bayo obungakhuselekanga, imali-mboleko yobuqu ihlala ipakishwa ngenzala ephezulu kakhulu (ukuya kuthi ga kwi-25% okanye ngaphezulu) ukubonisa umngcipheko ophezulu ocingelwa ngumbolekisi.
Ngaphambi kokufika kwe-Intanethi, iimali-mboleko zomntu zazisetyenziselwa iibhanki, iimanyano zamatyala kunye namanye amaziko emali. Banokungenelwa kule nkqubo ngokuthabatha imali kwiiakhawunti zokulondoloza imali, iiakhawunti zetshekhi, iiakhawunti zemarike yemali, okanye izatifikethi zedipozithi (iiCD), baze bayiboleke imali ngenzala ephezulu. Iivenkile ezithengisa iipawn kunye neevenkile ezithengisa imali ngaphambili zenza iimali-mboleko zobuqu ngenzala ephezulu.
Ukuhlawula amotization ngomgca
Kubantu abaninzi, ukuthenga ikhaya lolona tyalo-mali lukhulu abanokuthi balwenze. Ngenxa yexabiso layo eliphezulu, abantu abaninzi badla ngokufuna imali yokubambisa. I-mortgage luhlobo lwemali-mboleko ehlawulelwayo ekuthi ngalo ityala lihlawulwe ngezavenge ngamaxesha athile kwixesha elithile. Ixesha le-amortization libhekisela kwixesha, kwiminyaka, apho umboleki ethatha isigqibo sokuzinikezela ekuhlawuleni imali-mboleko.
Nangona olona hlobo luthandwayo luyi-30 yeminyaka emiselweyo yemali-mboleko, abathengi banezinye iindlela, kuquka i-15 yeminyaka yokubambisa. Ixesha le-amortization alichaphazeli kuphela ixesha eliya kuthatha ukubuyisela imali-mboleko, kodwa kunye nemali yenzala eya kuhlawulwa kubo bonke ubomi be-mortgage. Amaxesha amade okuhlawula athetha iintlawulo ezincinci zenyanga kunye neendleko eziphezulu zenzala kubomi bemali-mboleko.
Ngokuchaseneyo, amaxesha amafutshane okuhlawula akholisa ukuthetha iintlawulo eziphezulu zenyanga kunye nexabiso eliphantsi lilonke lenzala. Luluvo olulungileyo kuye nabani na okhangela imali yokubambisa ukuba aqwalasele iindlela ezahlukeneyo zokuhlawula imbuyekezo ukuze afumane eyona ilufaneleyo ulawulo kunye nokonga okunokubakho. Ngezantsi, sijonga iindlela ezahlukeneyo zokubolekwa kwezindlu kubathengi banamhlanje.
Ngaba imali yokubambisa isoloko inenzala emiselweyo emiselweyo?
Imali-mboleko ehlawulelwayo luhlobo lwemali-mboleko eneentlawulo ezicwangcisiweyo zamaxesha athile ezisetyenziswa kuzo zombini isixa-mali esiyintloko semali mboleko kunye nenzala efunyenweyo. Intlawulo yemali-mboleko ehlawulweyo kuqala ihlawula inkcitho yenzala yelo xesha, emva koko intsalela yentlawulo isetyenziselwa ukunciphisa isixa-mali esiyintloko. Iimali-mboleko eziqhelekileyo ezihlawulelwayo ziquka iimali-mboleko zemoto, iimali-mboleko zezindlu, kunye nemali-mboleko yobuqu evela ebhankini yeeprojekthi ezincinci okanye ukudibanisa amatyala.
Inzala kwimali-mboleko ehlawulelwayo ibalwa ngokusekelwe kwibhalansi yesiphelo semali-mboleko; Isixa senzala efunekayo siyehla njengoko kusenziwa iintlawulo. Oku kubangelwa kukuba nayiphi na intlawulo engaphezulu kwesixa-mali yenzala inciphisa inqununu, nto leyo enciphisa ibhalansi ekubalwa kuyo inzala. Njengoko inxalenye yenzala yemali mboleko ehlawulelwayo iyancipha, inxalenye eyintloko iyanda. Ke ngoko, inzala kunye nenqununu banobudlelwane obuguqukileyo phakathi kweentlawulo ngobomi bemali mboleko ehlawulelwayo.
Imali mboleko ehlawulelwayo sisiphumo soluhlu lwezibalo. Okokuqala, ibhalansi yemali-mboleko yangoku iphinda-phindwe ngeqondo lenzala eliyalelwa kwixesha langoku ukufumana inzala efunekayo ngelo xesha. (Inzala yonyaka inokwahlulwa nge-12 ukufumana ireyithi yenyanga.) Ukuthabatha inzala efunekayo kwisithuba sentlawulo yenyanga iyonke kuvelisa isixa sedola senqununu esihlawulwe ngelo xesha.
Zeziphi kwezi zilandelayo iindlela zokubuyisela imali-mboleko?
Sifumana imbuyekezo kwamanye amahlakani aneentengiso zivela kweli phepha. Asikhange sihlolisise zonke iimveliso ezikhoyo okanye unikezelo. Imbuyekezo inokuphembelela indlela unikezelo oluvela ngayo kwiphepha, kodwa izimvo zethu zomhleli kunye neereyithingi azichatshazelwa yimbuyekezo.
Uninzi okanye zonke iimveliso eziboniswe apha zivela kumaqabane ethu asihlawulela ikhomishini. Le yindlela esenza ngayo imali. Kodwa isidima sethu sokuhlela siqinisekisa ukuba izimvo zeengcali zethu aziphenjelelwa yimbuyekezo. Iimeko zinokusebenza kunikezelo oluvela kweli phepha.
Kukho iintlobo ezininzi zeemali-mboleko ezithathwa ngabantu. Nokuba yimali mboleko yokuthenga ikhaya, imali mboleko yokuthenga indlu, imali mboleko yokuhlaziya okanye ukufikelela kwimali ezinkozo, imali mboleko yokuthenga imoto, okanye imali mboleko yobuqu ngalo naliphi na inani leenjongo, uninzi lwemali mboleko Banezinto ezimbini ezifanayo: babonelela ixesha elimisiweyo lokuhlawula imali-mboleko, kwaye bakuhlawulisa inzala emiselweyo ngexesha lakho lokuhlawula Ngokuqonda indlela yokubala ishedyuli yokuhlawula imali-mboleko, uya kuba kwimeko engcono yokuqwalasela amanyathelo axabisekileyo afana nokwenza intlawulo eyongezelelweyo ukuhlawula. vala imali-mboleko yakho ngokukhawuleza.
