Zingaphi iimali ezibhatala imali yokuboleka imali kwangaphambili
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.
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.
Indlela iiNkampani zokubolekwa kwezindlu eziqinisekisa ngayo uMvuzo oziSebenzisayo
Ukuthenga ikhaya elinemali yokubambisa kudla ngokuba lolona tyalo-mali lobuqu lubalulekileyo lusenziwa ngabantu abaninzi. Ingakanani imali onokuyiboleka ixhomekeke kwizinto ezininzi, kungekhona nje ukuba ibhanki izimisele ukukuboleka kangakanani. Kufuneka uvavanye kungekuphela nje imali yakho, kodwa nezinto ozikhethayo kunye nezinto eziphambili.
Ngokuqhelekileyo, abaninzi abanokuba ngabanikazi bezindlu banokukwazi ukuxhasa ngemali ikhaya elinemali yokubambisa phakathi kwesibini kunye nesibini nesiqingatha somvuzo wabo wonyaka. Ngokwale fomula, umntu ofumana i-100.000 yeedola ngonyaka unokuhlawulela kuphela imali-mboleko ephakathi kwama-200.000 nama-250.000 eerandi. Nangona kunjalo, olu balo sisikhokelo nje ngokubanzi.
Ekugqibeleni, xa kusenziwa isigqibo ngepropati, izinto ezininzi ezongezelelweyo kufuneka ziqwalaselwe. Okokuqala, kuyanceda ukwazi ukuba umbolekisi ucinga ukuba ungafikelela njani (kunye nendlela abafike ngayo kolo qikelelo). Okwesibini, kuya kufuneka wenze uhlolo lobuqu kwaye ufumanise ukuba loluphi uhlobo lwendlu ozimisele ukuhlala kuyo ukuba uceba ukwenza oko ixesha elide kwaye zeziphi ezinye iintlobo zokusetyenziswa ozimisele ukuncama-okanye hayi- ukuhlala kuzo. ikhaya lakho.
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Ngaphambili, kwakunokwenzeka ukuboleka imali eninzi yokuthenga indlu kunye namaxwebhu amancinci. Kodwa njengoko ababoleki abangakwaziyo ukubonisa ingeniso yabo kunokwenzeka ukuba bangasileli, ishishini lebhanki liye lalumka kakhulu malunga nokuba ngubani onokuboleka, nto leyo ethetha ukuba nabona bathengi banamandla kufuneka babonelele ngamaqashiso kunye namaxwebhu ukubonisa ukuba bafanelekile.
Umbolekisi ufuna ukuqiniseka ngokufanelekileyo ukuba umvuzo wakho uphezulu ngokwaneleyo ukuba uhlawule iintlawulo zendlu nyanga nganye. Baziva bekhuselekile ngakumbi ukuba umvuzo wakho ubuzinzile kule minyaka imbalwa idlulileyo. Yiyo loo nto uninzi lwababolekisi beza kukucela ukuba ubabonise iimbuyekezo zerhafu kwiminyaka emibini edlulileyo. Ukuba umvuzo wakho unyukile mva nje, umbolekisi usenokufuna amaxwebhu ongezelelweyo ukuqinisekisa ukuba ayingomoya, njengebhonasi ekungenakwenzeka ukuba iphinde ivele.
Kuthekani ukuba akunamali yokubhatala okanye ukuba intlawulo ibalisa inxalenye yebali kuphela? Ukuba uyazisebenza, ufumana inkxaso yabantwana, okanye unomnye umthombo wengeniso ngaphandle komqeshi, kuya kufuneka ukuba ungenise amaxwebhu angakumbi. Iikopi zeetshekhi, iziteyitimenti zebhanki ezibonisa iidiphozithi ezithe ngqo, kunye neefomu ze-1099 zinceda ibhanki ukubonisa ukuba umvuzo wakho uthembekile.
ndingayifumana imali yokuthenga indlu
Ukuba awukwazi ukuthenga indlu ngemali, ukwinkampani elungileyo. Ngo-2019, iipesenti ezingama-86 zabathengi bamakhaya basebenzise imali mboleko ukuvala isivumelwano, ngokutsho koMbutho weSizwe weeRealtors. Okukhona umncinci, kokukhona uya kufuna imali-mboleko ukuze uthenge ikhaya – kwaye kokukhona uya kuzibuza ukuba, “Ingakanani indlu endinokuyithenga?” kuba awukadluli kumava okwangoku.
Umvuzo ngowona mba ucacileyo ekumiseleni ukuba lingakanani na ikhaya onokuthi ulihlawule: Okukhona ufumana umvuzo ongakumbi, kokukhona unakho ukufikelela kwikhaya elingakumbi, akunjalo? Ewe, ngaphezulu okanye ngaphantsi; kuxhomekeke kwinxalenye yomvuzo wakho esele igutyungelwe ziintlawulo zamatyala.
Usenokuba uhlawula imali-mboleko yemoto, ikhadi letyala, imali-mboleko yobuqu, okanye imali-mboleko yomfundi. Ubuncinci, ababolekisi baya kudibanisa zonke iintlawulo zenyanga zetyala oza kuzenza kwiinyanga ezili-10 ezizayo okanye ngaphezulu. Ngamanye amaxesha, baya kubandakanya amatyala owahlawula kuphela kwiinyanga ezimbalwa ezingaphezulu ukuba ezo ntlawulo zichaphazela kakhulu intlawulo yenyanga yokubambisa onokufikelela kuyo.
Kuthekani ukuba unemali-mboleko yomfundi kwi-deferment okanye unyamezelo kwaye okwangoku awuhlawuli? Uninzi lwabathengi bamakhaya bayamangaliswa kukufunda ukuba ababolekisi bafaka intlawulo yakho yemali mboleko yomfundi kwixesha elizayo kwiintlawulo zakho zenyanga. Ngapha koko, ukulibaziseka kunye nonyamezelo kunika ababoleki ukuhlehliswa kwexesha elifutshane, elifutshane kakhulu kunexesha lemali yokubambisa.
