sofi
Amakhadi okuthenga ngetyala ayikuphela kwendlela onokukhetha ngayo xa kufikwa kwinkxaso-mali yokuthenga okanye ekuhlanganiseni amatyala. Imali-mboleko yobuqu lukhetho oludumileyo enkosi kwiminikelo yedijithali eyenza kube lula ukuyifaka kwaye yamkelwe.
Kodwa ngaphambi kokuba usayine kumgca onamachaphaza, kufuneka uqinisekise ukuba imali mboleko yakho ikulungele. Kule nto, kufuneka uqonde ukusebenza kwangaphakathi kwesi sixhobo semali-mboleko. Awufuni kuphelela kwimali-mboleko ebiza imali eninzi ongakhange uyiqonde okanye ongakulungelanga ukuyihlawula.
Masibuyele emva kwiminyaka elishumi, xa abathengi babenokukhetha okumbalwa xa beboleka imali. Ayenokusebenzisa ikhadi lokuthenga ngetyala, elalidla ngokubandakanya ukuhlawula inzala eninzi, okanye ukuboleka imali ebhankini, ekwakunzima ukuyifumana ngaphandle kwetyala elikumgangatho ophezulu. Ukudodobala koqoqosho ngo-2008 kwayitshintsha imeko.
Ukujongana nokunqongophala kwemali mboleko yabathengi kwiibhanki, inani leenkampani zetekhnoloji yezemali (okanye iFinTechs) ziye zavela ukuze zibonelele abathengi ngemali mboleko. Ukusebenzisa idatha yokubhala phantsi kunye ne-algorithms ukuqikelela umngcipheko, baye benza imarike ekhulayo ngoku.
Phakama
Kubantu abaninzi baseOstreliya, ukuthenga ikhaya akuyondlwan’ iyanetha. Kwaye kunye ne-Uber Eats, i-Afterpay kunye neNetflix isenza izihloko eziphambili kulo nyaka uphelileyo ngokonakalisa amathuba ethu okufumana imali mboleko yendlu, kubonakala ngathi nakuphi na ukukhala okuncinci kunokuphelisa amaphupha ethu okuba nekhaya.
Ngokutsho koMlawuli Jikelele we-Credit Risk yombolekisi we-intanethi u-ME, uLinda Veltman, impembelelo yemali-mboleko yobuqu kwisicelo semali mboleko ye-mortgage ixhomekeke ekubeni unayo indlela kunye namandla okujongana neentlawulo ezimbini.
“Izibophelelo ezikhoyo zemali-mboleko yobuqu zibandakanyiwe kwisicelo semali mboleko yezindlu njengoko iintlawulo zibandakanywa ekubaleni ukusetyenzwa kunye namanqanaba etyala ukuze kubonwe ukuba ngaba abafaki-zicelo bayakwazi na ukuhlangabezana nezibophelelo ezicetywayo ngaphandle kokufumana ubunzima obuninzi'.
Abanye ababolekisi basebenzisa izibalo ezaziwa ngokuba yi "debt-to-income" (DTI) ratio, emisela ipesenti yomvuzo wakho wenyanga (phambi kwerhafu) otyiwa ngamatyala kunye neendleko zekhaya. Ngokubanzi, okukhona usezantsi umlinganiselo wakho we-DTI, kokukhona enyuka amathuba akho okuvunywa, kodwa iindaba ezimbi zezokuba imali-mboleko yobuqu iyawunyusa lo mlinganiselo. INQAKU ELIRHULUMENTE: Abathengi bokuqala basekhaya banethamsanqa kuba i-APRA iyayinciphisa imiqobo yemali mboleko
Ityala
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.
Ngaba imali-mboleko yobuqu inokusetyenziselwa ukuthenga indlu?
Amatyala awafani. Xa kuziwa ekuthengeni ikhaya, elinye ityala linokuba luncedo kwaye elinye, ke, sinokwenza ngaphandle kwalo. Makhe sijonge kwiindidi ezahlukeneyo zamatyala kunye nendlela anokuchaphazela ngayo ukukwazi kwakho ukuboleka ukuthenga ikhaya.
Ityala lemali-mboleko lehlisa isixa sengeniso ekufuneka uyihlawule xa uyiboleka indlu, nto leyo enokuthi inciphise ukukwazi kwakho ukuboleka. Iimali-mboleko zobuqu zikwathanda ukuba nenzala ephezulu. Ukuba imali-mboleko yakho inezinga lenzala eliguquguqukayo, ababolekisi bangongeza i-cushion kwi-akhawunti yokonyuka kwenzala kwixesha elizayo.
Iimali mboleko zemoto ezikhuselekileyo zibonelela ngenzala ephantsi kunemali mboleko yobuqu engakhuselekanga kuba imele umngcipheko omncinci kumbolekisi. Oku kuthetha ukuba ngelixa imali-mboleko yemoto ekhuselekileyo iyakuchaphazela ukukwazi kwakho ukuboleka, isenokungabi nempembelelo enkulu njengemali-mboleko yobuqu engakhuselekanga.
Kwelinye icala, imali mboleko yemoto ehlawulwe ngokupheleleyo inokunceda isicelo sakho. Ukubonisa ukuba ukwazile ukusoloko uhlawula imali mboleko yakho yemoto ngexesha kungenza isicelo sakho semali mboleko yendlu somelele.
