Gcina amawaka eedola ngenzala
Ukuba unqwenele ukuthetha intlawulo yakho mboleko ngaphambi kokuba umboleko wakho uphele, zikho iindlela ezintlanu abantu abahlawula imali yabo yokuqala kwaye bahlambe amawaka kwiintlawulo zabo.
Yenza iintlawulo zeBhayeekly
Uninzi lwabantu luyinto engapheliyo yokwenza intlawulo enye yokuthenga ngemali ngenyanga. Kodwa ukuba uhlawula isigamu semali yakho yokubolekwa nganye kwiiveki ezimbini, uyenzela ngokunyaniseka intlawulo yenyanga enye ngenyanga - ngaphandle "ukuziva".
Uyabona, intlawulo enye ngenyanga ilingana neentlawulo ezili-12 ngonyaka. Ukuba uhlawulele isiqingatha sakho sokuthenga imali ngokuphindwe kabini, ngoko, kwiingcamango, unokwenza iintlawulo ezi-24.
Kodwa kukho iiveki ezingama-52 ngonyaka. Ukwenza intlawulo nganye kwiiveki ezimbini kuthetha ukuba uhlawula ama-52 ngokwahlukileyo, okanye iindleko ezingama-26 ngonyaka. Ngamanye amagama, wenza intlawulo yenyanga eyongezelelweyo ngonyaka.
Hlola nomboleki wakho ukuba ubone ukuba ngaba banikela ngenkqubo yokuhlawula i-Yakokly. Abanye bahlawula intlawulo ehambelana nenkqubo, ngelixa abanye bengenzi.
Yenza Intlawulo Eyongezelelweyo Ngonyaka ngamnye
Ukuba umnini-mboleko wakho uhlawula umrhumo wokwenza iintlawulo zekheksi (okanye awunikeli isicwangciso sokuhlawula i-biweekly nonke), unokhe ukhetha ukwenza intlawulo yenyanga eyongezelelweyo ngonyaka.
Kuya kudala "umphumo" ofanayo njengokwenza iintlawulo zekhekhe.
Kodwa ke, kuya kufuneka ukuba uqeqesho olongezelelweyo ekupheleni kwakho - kuya kufuneka ulondoloze loo ntlawulo. (Inyanga eyongezelelweyo efakwe kwisicwangciso sokuhlawula i-Yakokly, ngokuchaseneyo, yintlawulo ongaziyiva "ngokwakho.")
Ungayigcina njani imali engaphezulu kwenyanga?
Zama ngokuzenzekelayo ukuhambisa imali encinci inyanga nganye kwi- sub-akhawunti yokugcina imali ebizwa ngokuthi "inkokhelo eyongezelelweyo yokuthenga imali."
Ujikeleze ukulinganisela kwakho
Imali yentlawulo yee-mortgage yimibolo ye-wacky, njengama-1,476.82. Kutheni ungabikho kwi-$ 1,480 (ngaphantsi kwe-$ 4 eyongezelelweyo ngenyanga) okanye ujikeleze yonke indlela ukuya kwi $ 1,500? Mhlawumbi andiyi kuziva i-pinch, kodwa uya kuguba iminyaka ukuhlawula ibhalansi yakho ngenxa.
Iilumkiso: jonga umboleki wakho ukuqinisekisa ukuba igalelo elongezelelweyo lisebenza kwinqununu yakho, kungekhona inzala okanye inkokhelo yenyanga ezayo.
Thola i-Mortgage Year-15
Imithwalo-mboleko yemigangatho yeminyaka idlulileyo iminyaka engama-30 , kodwa unako ukukhetha iminyaka engama-15 okanye iminyaka engama-20. Iintlawulo zakho zenyanga ziza kuba ziphakamileyo, kodwa inzala yakho iya kuba yincinane. Uza kusindisa imali ngeendlela ezimbini: uya kuhlawula umyinge we-interest rate kunye nexesha elifutshane.
Ukuba awufuni ukuvalela ekuzibopheleleni kwenkokhelo ephezulu yenyanga, ungathatha iminyaka engama-30 yokuthenga imali kwaye wenze nje iintlawulo ezongezelelekileyo ngaphezulu, usebenze ngokungathi uneminyaka eyi-15 yokuthenga imali. Inqanaba lakho lesenzalo liya kuba liphezulu, kodwa ngokubuyisela, uya kuba nokulungelelanisa ngakumbi kwiimfanelo zakho zokuhlawula.
Lahla imali "engalindelekanga" kwi-Mortgage yakho
Ngaba uke wamukelwa imali "emangalisa" njengobhonasi, ikhomishini, ukubuyiselwa kwentela okanye ilifa?
Awulindelanga le ngeniso, ngoko ke uhlahlo lwabiwo-mali uhlala ngaphandle kwalo . Ngamanye amazwi, "awudingi" le mali.
Ngoku ngoku unokukhawuleza ukhangele iikhilomitha ezimbalwa zeedola. Yintoni omele uyenze nayo?
Abantu abaninzi bahlutha le mali engalindelekanga kwi-"extras" encinci-ukutya okungaphezulu, i-grill entsha, amanye amakhethini amancinci. Bathi ke, "Andiyazi apho yonke loo mali ihamba khona!"
Endaweni yoko, kutheni ungasisebenzisi yonke loo mali-mboleko kwi-mortgage yakho? Iyakwazi ukucheba iminyaka emboleko wakho. Kwakhona, jonga umboleki wakho ukuqinisekisa ukuba igalelo lakho elongezelelweyo liya kusebenza kwinqununu yakho.