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Indlela yokubala
Ukubala ityala lakho langoku kumlinganiselo wemivuzo, ukwahlula zonke iintlawulo zakho zenyanga zemali ngenzuzo yakho yenyanga.
Ungakwazi kwakhona "ukubuyela" ekubaleni ukuba inkokhelo yakho yamatyala nganye ngenyanga "kufuneka" ngokuphindaphinda umvuzo wakho ngetyala lokujolisa kwinzuzo.
Iintlawulo zenyanga zemali zihlawulwa iintlawulo eziphantsi ezifunekayo kuzo zonke iimali-mboleko zakho, kuquka:
- Mboleko mboleko
- Amatyala ekhadi lesikweletu
- Mboleko ya bafundi
- Mboleko mboleko
- Mboleko mboleko
Ingeniso yakho yenyanga yonke yintlawulo yakho yenyanga phambi kokuba irhafu kunye nezinye izihlomelo zithathwe.
Umzekelo: cinga ukuba ufumana i-$ 3,000 ngenyanga ngenyanga. Ukuhlawulwa kwemali-mboleko yakho ye-auto ngu-440 ye-$ kwaye imali yakho yokubolekisa ngemali mboleko i-$ 400. Liliphi ityala lakho langoku kumlinganiselo wokufumana imali?
Hlukanisa inani leentlawulo zakho zenyanga ($ 840) kwiholo lakho elipheleleyo. I $ 840 ihlukaniswe ngu-3,000 = =28. Guqulela kwifomathi yefomathi , ekhokelela kwintlawulo ye-28% yengeniso.
Umzekelo # 2: cinga ukuba ufumana imali engama-3,000 ngenyanga ngenyanga, kwaye umboleki wakho ufuna ukuba inkokhelo yakho ingeniso engaphantsi kwe-43%. Yiyiphi ephezulu ekufuneka uchithe ityala?
Yandisa inani lakho lemali engenayo ngetyala lokujolisa kumvuzo. Amawaka ama-3,000 amawaka .43 = $ 1,290. Zonke iintlawulo zakho zenyanga zihlanganisiweyo mazibe ngaphantsi kwe-$ 1,290. Ewe, ixabiso eliphantsi lihle.
Iyiphi isilinganiso esihle?
Ingcamango esemva kwesikolo semali yokufumana imali inokukwazi ukufikelela. Ababoleki bafuna ukuqinisekisa ukuba unako ukuhlawula ngokukhawuleza iintlawulo zakho zematyala - ingakumbi ngaphambi kokuvuma iimali-mboleko ezintsha kunye nokwandisa umthwalo wetyala lakho.
Amanani athile ahluke kumboleki kumbolekisi, kodwa abaninzi ababolekisi basebenzisa u-36% njengetyala elingaphezulu kwinani lentlawulo. Oko kwathiwa, abaninzi ababolekisi baya kukuvumela ukuba ufike kuma-55%.
Xa ukhangela iintlawulo, umlinganiselo "wokugqibela" uqwalasela iindleko zezindlu zakho, kubandakanye ukuhlawulwa kwemali yakho, irhafu yepropati kunye ne-inshurensi yomninikhaya. Ababoleki banqwenela ukubona ukuba u-28% ukuya kwi-31% okanye ngaphantsi.
Umlinganiselo "wokugqibela wokugqibela" kumlinganiselo wecala wenani lijongene nazo zonke iintlawulo ezinxulumene namatyala. Leyo mali iya kubandakanya imali-mboleko yemali, iimali-mboleko zabafundi, kunye neentlawulo zekhadi lesikweletu.
Ukuba imali yakho yokuthenga imali ibe yinto efanelekileyo yokubolekwa kwemali mboleko, yinto ebolekayo yomboleki-mboleko, inani lakho lemali mboleko kufuneka libe ngaphantsi kwama-43%. Kukho ukungafani kulo mgaqo, kodwa imimiselo yomgaqo-nkqubo ifuna ababolekisi ukuba babonise ukuba unako ukubuyisela nayiphi na imali mboleko yemali abayayivumeleyo, kwaye inkokhelo yakho kwingeniso yemali yinxalenye ebalulekileyo yokwazi kwakho.
Ungumgwebi ophezulu wento onako ukuyisebenzisa. Awunako ukuboleka ubuninzi obufumanekayo kuwe - kubhetele ukuboleka ngaphantsi. Ukuboleka ubuninzi kunokubeka ingxaki kwibhajethi yakho, kwaye kunzima ukufumana nayiphi na into emangalisayo (njengokulahlekelwa ngumsebenzi, ukutshintshwa kwishedyuli, okanye iindleko ezingalindelekanga). Ukugcina iintlawulo zakho zetyala kuncinci kwenza kube lula kuwe ukubeka imali ngokubhekiselele kwezinye iinjongo ezifana nezindleko zemfundo okanye umhlalaphantsi.
Ukuphucula iiRatios zakho
Ukuba lakho ityala lokufumana imali yokufumana imali liphezulu kakhulu, uya kufuneka ukubahlisele phantsi ukuze ufumane imvume yemboleko. Kukho iindlela ezininzi zokwenza oko, kodwa akusoloko kulula.
Ukuhlawula amatyala: ukuhlawula imali mboleko kuya kunciphisa ityala lakho kwinani lemali engenayo kuba uya kuba neentlawulo eziphantsi kweenyanga ezibandakanyiweyo zakho. Ngokufanayo, ukuhlawula phantsi kwetyala lekhadi lesikweletu kuthetha ukuba iintlawulo zakho ezifunekayo ngenyanga ziya kuba ziphantsi.
Ukwandisa ingeniso: nayiphi na imisebenzi eyongezelelweyo onokuyithatha ngaphambi kokuba uboleke inceda. Kodwa yonke ingeniso ayifuni ukuba yeyakho . Ukuba ufuna isicelo semboleko kunye nomlingane, iqabane okanye umzali, ingeniso yabo (kunye netyala) iya kubandakanywa ekubaleni. Ewe, loo mntu uya kuba noxanduva lokuhlawula umboleko xa kwenzeka okuthile kuwe. Ukongeza umququzeleli kunokukunceda ukuba uvumeleke, kodwa umqabane wakho uthatha umngcipheko.
Ukukhawuleza ukuboleka: ukuba uyazi ukuba uya kufaka isicelo semboleko ebalulekileyo njengemali mboleko yasekhaya, thintela ukuthatha amanye amatyala uze ubolekwe ngemali mboleko. Ukuthenga imoto ngaphambi kokuba ufumane i-mortgage kuyonakalisa amathuba akho okuvunyelwa ukuba inkokhelo enkulu yemoto iza kubalelwa kuwe. Ewe, kuya kuba nzima ukufumana imoto emva kokuba ufumane imali, ngoko kuya kufuneka ubeke phambili.
Inkokhelo ephantsi enkulu: inkokhelo enkulu inceda ukugcina iintlawulo zakho zenyanga ziphantsi . Ukuba unayo imali kwaye uyakwazi ukuyibeka ekuthengeni kwakho, jonga ukuba kuya kuthinta njani amaxabiso akho.
Ababolekisi balala ityala lakho kwinani lemali engenayo usebenzisa ingeniso obaxelayo. Kwiimeko ezininzi kufuneka uqaphele ingeniso yakho, kwaye kufuneka baqiniseke ukuba unokuqhubeka nokufumana loo ntlawulo kwimpilo yakho mboleko.
Ezinye izinto ezibalulekileyo
Ityala lakho kwinani lokufumana imali akuyena kuphela into ababolekisileyo abayicinga ngayo. Omnye umlinganiselo obalulekileyo ngumboleko wokuxabisa ubungakanani (LTV). Oku kubheka indlela oboleke ngayo ngokumalunga nenani lempahla oyithengayo. Ukuba awukwazi ukubeka nayiphi imali phantsi, isilinganiso sakho se-LTV asiyi kujonga kakuhle.
Inkokhelo enye into ebalulekileyo. Ababoleki bafuna ukubona ukuba uboleka (kwaye, ngokubaluleke kakhulu, ukuhlawula ityala ) ixesha elide. Ukuba abanethemba lokuba uyazi ukuba wenza ntoni ngetyala, banokukunika imali mboleko. Amanqaku akho ekhredithi asetyenziswa ukuhlola imbali yakho yokuboleka.