Kulula kangakanani ukufumana imali mboleko yendlu ngoku
Ukuba isicelo sakho semali-mboleko siyakhatywa, kukho izinto ezininzi onokuzenza ukuze uphucule amathuba akho okuvunywa kwixesha elizayo. Sukungxama uye komnye umbolekisi, njengoko isicelo ngasinye sinokuvela kwifayile yakho yetyala.
Naziphi na iimali mboleko oye waba nazo kule minyaka mithandathu idlulileyo ziya kubonakala kwirekhodi yakho, nokuba uzihlawule ngexesha. Kusengabala ngokuchasene nawe, njengoko ababolekisi benokucinga ukuba awuzukwazi ukuhlawula uxanduva lokuba nemali-mboleko.
Ababolekisi abafezekanga. Uninzi lwazo lufaka idatha yesicelo sakho kwikhompyuter, ngenxa yoko awunakunikwa imali mboleko ngenxa yempazamo kwifayile yakho yetyala. Umbolekisi akunakwenzeka ukuba akunike isizathu esithile sokungaphumeleli kwisicelo sekhredithi, ngaphandle kokuba sinxulumene nefayile yakho yekhredithi.
Ababolekisi baneenqobo zokubhala phantsi ezahlukeneyo kwaye bathathele ingqalelo inani lezinto xa bevavanya isicelo sakho semali-mboleko. Zinokusekelwe kwindibaniselwano yobudala, umvuzo, ubume bengqesho, umlinganiselo wemali-mboleko-kwixabiso, kunye nendawo yepropathi.
Kutheni kunzima kangaka ukufumana imali-mboleko?
U-Eleanor Williams we-Moneyfacts uthi: "Kwi-2,53%, i-avareji yeminyaka emibini emiselweyo ngoku i-0,11% ephezulu ngonyaka, ngelixa iminyaka emihlanu elinganayo, kwi-2,73, 2020%, iyafana njengoko yayinjalo NgoFebruwari XNUMX.
U-Eleanor Williams weMoneyfacts uthi: “Emva kweenyanga ezintathu ezinerekhodi eliphantsi leentsuku ezingama-28, ixesha elide lokuboleka imali linika ababoleki ithuba elingcono lokufumana isipho abasikhethileyo ngaphambi kokuba sirhoxiswe.
Kunzima ukufumana ireddit yokubambisa
Ukwiminyaka yamashumi amabini kwaye ucinga ngokuthenga ikhaya. Mhlawumbi uye wabuyela kubazali bakho ukuze ulondolozele intlawulo ephantsi, okanye uhlala kwirenti ethatha isixa esikhulu somvuzo wakho wokuqala wabantu abadala, kwaye uziva ngathi awunanto yokubonisa ngayo. Ngaphandle kokuba umama notata wakho bazizityebi, umakazi wakho omkhulu ukushiyele ingxowa-mali yokuthembana, okanye uyi-tycoon entsha ye-intanethi, mhlawumbi awuzukwazi ukuthenga indlu ngaphandle kokungena ematyaleni.
Kungelo xesha lokuba ucinge nge- mortgage, mhlawumbi eya kuba lelona tyala likhulu othabatha kulo ebomini bakho. Ukuthenga imali-mboleko, ngakumbi kwangethuba ebomini bakho, kubopha imali yakho eninzi kutyalo-mali olunye. Ikwakubophelela phantsi kwaye yenza kube lula ukufudukela kwenye indawo. Ngakolunye uhlangothi, kuthetha ukuba uqala ukwakha i-equity kwikhaya, unikezela ukutsalwa kwerhafu, kwaye unokunyusa imbali yakho yekhredithi.
Ngamagama alula, i-mortgage yimali-mboleko esetyenziselwa ukuthenga ikhaya apho ipropati isebenza njengesibambiso. Imali yokubambisa yeyona ndlela iphambili abantu abaninzi abathenga ngayo amakhaya kwaye inokusetyenziselwa ukuthenga izakhiwo zotyalo-mali. Lilonke ityala lemali ebolekwayo e-United States belimalunga ne-17,26 yezigidi zezigidi zeedola kwikota yesibini ka-2021.
Kutheni kunzima kangaka ukufumana imali-mboleko namhlanje?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo ezikrelekrele zemali ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala kunye nenjongo, kunye nokukuvumela ukuba uphande 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.
