Fumana imali-mboleko yobuqu phambi kokuthenga indlu
Khumbula: ukuba intlawulo ye-EMI yazo zombini iimali mboleko ayidluli kwi-50% yomvuzo wakho, iibhanki zikulungele ukukuboleka. Ukuba imali mboleko yakho ithatha uninzi lomvuzo wakho, kunokuba nzima ukufumana enye imali mboleko. Ke, ababolekisi bajonga amandla akho okubuyisela kunye nomgangatho wakho wangoku wetyala.
Ngaba umntu unokuboleka imali kunye nemboleko-mali mboleko ngaxeshanye? Ukuba sele uboleke imali yakho kwaye ngoku ufuna ukufumana imali mboleko yendlu, iibhanki ziya kusiqwalasela isicelo sakho ukuba umlinganiselo wetyala lakho nengeniso ungadlulanga kuma-50%.
Khumbula: ukuba intlawulo ye-EMI yazo zombini iimali mboleko ayidluli kwi-50% yomvuzo wakho, iibhanki zikulungele ukukuboleka. Ukuba imali mboleko yakho ithatha uninzi lomvuzo wakho, kunokuba nzima ukufumana enye imali mboleko. Ke ngoko, ababolekisi bajonga amandla akho okubuyisela kunye nomgangatho wakho wangoku wetyala.
Ngaba kufuneka ndiyihlawule imali-mboleko phambi kokuba ndifake isicelo semali-mboleko?
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.
Yintoni ongamele uyenze xa ufaka isicelo semali mboleko
Imali-mboleko yobuqu inokusetyenziselwa phantse nantoni na. Abanye ababolekisi baya kubuza ukuba uceba ukwenza ntoni ngemali, kodwa abanye baya kufuna ukuqinisekisa ukuba unakho ukuyibuyisela. Nangona imali-mboleko yomntu ingabizi kakhulu, inokuba lukhetho olusebenzayo kwiimeko ezahlukeneyo. Nantsi indlela yokugqiba ukuba enye ikulungele na.
Ezinye iintlobo zeemali-mboleko zibekelwe ukuthenga okuthile. Ungathenga indlu ngemali mboleko, uthenge imoto ngemboleko yemoto, kwaye uhlawulele ikholeji ngemali mboleko yomfundi. Ngemali-mboleko, indlu yakho isebenza njengesibambiso. Ngokufanayo, ngemboleko yemoto, imoto oya kuyithenga iya kuba sisibambiso.
Kodwa imali-mboleko yobuqu ayidli ngokuba nasiphi na isibambiso. Ekubeni ingakhuselwanga yipropati ukuba umbolekisi unokuphinda ahluthe ukuba uyasilela kwimali-mboleko, umbolekisi uzibeka emngciphekweni omkhulu kwaye uya kukuhlawulisa umlinganiselo ophezulu wenzala kunokuba ebeya kukuhlawula imali-mboleko okanye imali-mboleko yemoto. Izinga lenzala liya kuxhomekeka kwizinto ezininzi, kubandakanywa amanqaku akho ekhredithi kunye nomlinganiselo wetyala lakho ukuya kwingeniso.
Ngaba imali-mboleko yobuqu iya kusichaphazela isicelo sam sokubambisa?
Zininzi izinto ekufuneka uzazi xa ukhangela imali-mboleko. Umzekelo, imali-mboleko yobuqu yahluke njani kwezo zidumileyo njengemali-mboleko yemoto kunye nemali mboleko yezindlu? Iimali-mboleko zobuqu zinokusetyenziselwa ntoni? Ngaba zikho ezinye iindlela zokuboleka imali?
Hooks: Imali-mboleko yobuqu yimali-mboleko esisigxina yomthengi ngamnye. Umntu uboleka imali ngoku aze ayibuyisele emva kwexesha elithile ngokuhlawula kwaloo mali ngenyanga. Ngaloo ndlela, kufana nokubolekwa kwemoto okanye intlawulo ye-mortgage. Yahlukile kwezi ntlobo zemboleko kuba ayifuni siqinisekiso okanye into yexabiso, njengemoto okanye indlu, avumayo ukulahlekelwa ngumsebenzisi ukuba akanakuyihlawula.
Iintlawulo eziphantsi: Iimali-mboleko zomntu ziguquguquka. Zingasetyenziselwa ukuthenga izinto ezinkulu kakhulu ukuba ungazithenga ngemali, njengesixhobo esitsha sombane okanye isifudumezi-moya. Ngamanye amaxesha angasetyenziselwa ukudibanisa amanye amatyala. Zingasetyenziselwa iindleko zexesha elinye njengamatyala ezonyango, iindleko zemfundo, okanye uhambo olukhethekileyo.
IiHooks: Njengakwimali-mboleko eninzi, eyona mfuno iphambili kukuba nembali yetyala elungileyo. Ngamanye amaxesha kunokwenzeka ukusebenzisa isibambiso kwimali-mboleko yobuqu, kwaye oku kunokunceda ukufanelekele ukuboleka imali okanye inqanaba elingcono kwimali-mboleko. Buza ibhanki yakho ukuba zeziphi ezinye izinto ezinokwamkelwa njengesibambiso, njengee-akhawunti zokonga okanye ipolisi ye-inshurensi.
