Isohlwayo sokuhlawula imali mboleko kwangethuba
Uninzi lwethu luthatha imali-mboleko xa sithenga ikhaya, sizibophelele ekuhlawuleni ukuya kutsho kwiminyaka engama-30. Kodwa uqikelelo lukarhulumente lubonisa ukuba abantu baseMelika bahamba umndilili wamaxesha ali-11,7 kubomi babo, abantu abaninzi baqala ukuhlawula amashumi eminyaka emali-mboleko ngaphezulu kwesinye.
Unale nto engqondweni, kunokuba bubulumko ukukhangela iindlela zokuhlawula imali-mboleko yakho kwangoko, nokuba unokwakha i-equity ngokukhawuleza okanye wonge imali kwinzala. Ekuhambeni kwexesha, usukelo lufanele lube kukuba nekhaya lakho. Ngapha koko, kulula kakhulu ukuthatha umhlala-phantsi okanye ukunciphisa iiyure zomsebenzi kamva ukuba unokwenza ngaphandle kwentlawulo yenyanga yokubambisa.
Ke ukuba uyazibuza ukuba ungayithoba njani intlawulo yakho yokubambisa okanye uhlawule indlu yakho ngokukhawuleza, nazi iindlela ezininzi ezizanywayo kunye nenyani ezinokukunceda. Khawukhumbule nje ukuba isicwangciso esifanelekileyo kuwe sixhomekeke ekubeni yimalini "eyongezelelweyo" oye wayibeka ngeenxa zonke, kunye nokuba ungakanani umba obalulekileyo omele ufumane imali yokuboleka imali.
Masithi uthenge ipropathi eyi-$360.000 ene-$60.000 phantsi kwaye inzala yemali mboleko yakho yeminyaka engama-30 yi-3%. Ukujonga ngokukhawuleza kwi-calculator ye-mortgage ibonisa ukuba inqununu kunye nentlawulo yenzala kwimali mboleko yakho iza kwi-1.264,81 yeedola ngenyanga.
Ikhatyhuleyitha yokuBhalwa kwangaphambili kweNtlawulo
Kuye kwafumaniseka ukuba ukuba nemali-mboleko emfutshane okanye ukuhlawula ngaphezu kobuncinci yenye yezinto ezinobungozi onokuthi uzenze kwimali yakho. Okukhona uhlawula ngakumbi ebhankini, kokukhona udala umngcipheko wakho kunye nemali yakho. Ngokuchaseneyo nento endiyixelelwe ngutitshala wam wezibalo kwisikolo samabanga aphakamileyo, kuyakuthatha ixesha elide ukuhlawula imali-mboleko usebenzisa ezi zicwangciso, kwaye uya kubambisa imali yakho kwinto endiyibiza ngokuba yijele lezindlu (ngaphezulu koko kancinci).
Makhe sijonge umzekelo ukuze sibone ukuba kusebenza njani oku. UJack noJane banezindlu ezisecaleni komnye ezixabisa ngokulinganayo. UJack unemali mboleko emfutshane kwaye wenza iintlawulo ezongezelelweyo nanini na enako. Uyasokola ukuhlawula imali-mboleko yakho kwangoko. UJane, kwelinye icala, unemali-mboleko yemali-mboleko kuphela kwaye utyekele ekuhlawuleni kade.
Kwibhanki, sisigqibo esilula: bakhuthazwa ukuba bagcine indlu kaJack kuba banokulingana okungaphezulu. Ngendlu kaJack, kuya kuba lula kubo ukuba bajike kwaye bafumane imali yabo, ngokuchasene nokulahlekelwa yimali ngokuthengisa indlu.
Indlela yokuhlawula imali mboleko ngokukhawuleza
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.
Indlela yokuhlawula imali mboleko kwiminyaka emi-5
Ukuhlawula imali-mboleko yakho kwangoko kunokukunceda ukuba ufikelele uzinzo lwezezimali, kwaye kunokonga imali ekuhambeni kwexesha ngokwenza inzala encinci. Nazi ezinye iindlela zokuhlawula imali-mboleko yakho ngokukhawuleza:
Enye indlela yokugcina imali kwinzala, ngelixa unciphisa ixesha lokuboleka imali, kukwenza iintlawulo ezongezelelweyo ze-mortgage. Ukuba umbolekisi wakho akahlawulisi sohlwayo sokuhlawula imali mboleko yakho kwangethuba, qwalasela ezi ndlela zilandelayo zokuhlawula imali-mboleko yakho kwangoko.
Khumbula nje ukwazisa umbolekisi wakho ukuba iintlawulo zakho ezongezelelweyo kufuneka zifakwe kwinqununu, kungekhona inzala. Ngaphandle koko, umbolekisi angasebenzisa iintlawulo kwiintlawulo ezicwangcisiweyo zexesha elizayo, ezingayi kukugcina imali.
Kwakhona, zama ukuhlawula kwangethuba kwimali-mboleko, xa inzala iphezulu. Usenokungayiqondi, kodwa uninzi lwentlawulo yakho yenyanga kwiminyaka embalwa yokuqala iya kwinzala, hayi inqununu. Kwaye inzala iyadityaniswa, nto leyo ethetha ukuba inzala yenyanga nganye imiselwa sisixa-mali esityalwayo (inqununu nenzala).
