Ngaba imali-mboleko ingasetyenziselwa intlawulo ephantsi kwindlu?
Imali-mboleko phakathi kwezalamane inokuba luncedo kubo bonke ababandakanyekayo. Okanye inokujika ibe liphupha elibi. Phambi kokuba uthathe imali-mboleko yosapho, luluvo oluhle ukufunda ukuba irhafu inokungena njani, kunye neminye imithetho kunye neengozi.
Inqaku loHlelo: I-Credit Karma ifumana imbuyekezo kubathengisi beqela lesithathu, kodwa oko akuchaphazeli izimvo 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.
Ngaba ndingasebenzisa imali-mboleko yobuqu ngayo nantoni na?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala nongakhethi cala, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Imali-mboleko yobuqu njengentlawulo ephantsi kwi-mortgage
Imali-mboleko engekho mthethweni inokuba luhlobo lwetyala okanye imali-mboleko efihla iindleko zayo zokwenyani okanye isilele ukuxela imimiselo efanelekileyo yetyala okanye ulwazi malunga nombolekisi. Olu hlobo lwemboleko luphula iNyaniso kuMthetho wokuBoleka (TILA).
Igama elithi "ukubolekisa ngemali ngokungekho mthethweni" libanzi kakhulu, njengoko imithetho nemithetho eyahlukeneyo inokusebenza kubaboleki kunye nababoleki. Ngokusisiseko, nangona kunjalo, imali-mboleko engekho mthethweni iphula imithetho yelizwe, ishishini, okanye igunya likarhulumente okanye iarhente.
Umzekelo, iFederal Direct Loan Programme, elawulwa liSebe lezeMfundo, ibonelela ngeemali-mboleko ezixhaswa ngurhulumente kubafundi abakwinqanaba lesibini. Ibeka imida kwimali enokubolekwa nyaka ngamnye, ngokusekelwe koko kuchazwa yikholeji yomfundi okanye iyunivesithi njengeendleko zemfundo.
Ukuba iziko lizama ukukhohlisa elo nani ukuze lifumane imali eyongezelelweyo yomfundi, imali-mboleko ayiyi kuba semthethweni. Urhulumente ukwabeka amazinga enzala kwimali-mboleko kunye nexesha loxolelo ngaphambi kokuba aqalise ukuyibuyisela.
Ndingasebenzisa imali-mboleko yobuqu ukuthenga indlu?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
