Yazi ukuba ufanele uhlaziye okanye ungenzi
Uza kufunda yonke into oyifunayo ukuba uyazi malunga nomboleko wakho okhoyo kunye nokutshintshwa kwendawo.
Bala iMali Yakho Yokuqala
Ewe, sele usayazi ukuba yintoni intlawulo yakho yenyanga, kwaye uninzi kangakanani. Nangona kunjalo, kufuneka kwakhona ukwazi ukuba ininzi yentlawulo nganye iya kwiindleko zakho zentlalo, kwaye ubuninzi balo buya kubuyiselwa imali leyo oyibolekayo. Ukukufumanisa oku, uya kufuna itafile yentengiso, ongayifumana kwimithombo eyahlukeneyo. Ndikhetha ukusebenzisa i- Excel ukubala ukulungiswa kwemali , kodwa ungasebenzisa i- calculator ye-intanethi okanye nayiphina isofthiwe yespredishithi.
Kule nkcazo, ndiza kuchaza indlela yokubala okukhethwa kukho ukuhlaziya ngokusebenzisa i-Excel, kodwa inkqubo iyafana ukuba usebenzisa i-calculator yokumisela imali okanye iprogram (kukulungele ukusebenzisa ipredishithi, njengoko iinombolo ziza kuchaneka ngakumbi ). Siza kuthatha oku kulandelayo njengoko sisebenza ngomzekelo:
- Inani lemali-mboleko yoqobo: $ 180,000
- Umhla wo kuqala woboleko: 7/1/2003
- Umhla wamhla: 7/1/2012
- Inzala yemali mboleko: 5.4%
- Igama lemali: iminyaka engama-30
Ukufumana iinkcukacha zemboleko yakho yasekuqaleni, faka kwi-calculator yakho yokwenza imali. Ukuba kunokwenzeka, faka inyanga kunye nonyaka oyibole imali ekuqaleni. Sebenzisa inani lakho lemali-mboleko yangaphambili - kungekhona inani okhoyo ngoku.
Bonisa umfanekiso apho Umi khona
Qaphela ukuba umi nomboleko wakho wamanje. Skrolela phantsi ukuya kumhla wamhla, ubone ukuba ungakanani na umboleki. Ngokomzekelo wethu, i-$ 152,160.64 (amanani akho angatshintsha ngenxa yokujikeleza kuxhomekeke kwisofthiwe oyisebenzisayo kunye nendlela echanekileyo ngayo).
Bala iNgxowa-mali yokuTshintsha
Ukubonisa ukuba umboleko wakho omtsha uza kubonakala njani xa uhlaziywa. Kulo mzekelo, siya kuqwalasela oku kulandelayo:
- Imali yentlawulo: $ 152,160.64 (ikopiwe ngenhla)
- Umhla wokuqalisa umvuzo: 7/1/12
- Inzala yemali mboleko entsha: 4.25%
- Igama lemali: iminyaka engama-30
Uya kuphawula ukuba intlawulo yakho yenyanga iya kuhlahlela i-$ 748.54 yee-$ xa uhlaziya (vs $ 1,010.76 kwimali-mboleko yangaphambili). Oku kukhangeleka, kodwa akufanele kwenzeke ngothushu, kuba umboleko wakho omtsha uncinci kwaye ufika ngenani lentlawulo ephantsi. Ukulondolozwa kwintlawulo yenyanga kunokubaluleka kuwe, kodwa yinto enye yezinto ezibalulekileyo ezibalulekileyo.
Yenza ezinye iingcamango malunga nexesha elide Uzogcina ngayo iMboleko
Ngelishwa, akusoloko impendulo ecacileyo xa usenza isigqibo sokuba okanye ungahlaziywa. Kufuneka uthathe isigqibo malunga noko ucinga ukuba kuya kwenzeka kwaye wenze isigqibo sakho esekelwe kwiingcinga zakho. Ngoko, zama ukuqikelela ukuba uza kuhlala ubolekisa imali entsha. Ngaba uza kuhlala endlwini enye kule minyaka 7 ezayo?
Ngaba uya kuhlala khona iminyaka eyi-30 epheleleyo? Kuyafaneleka ukuba awukwazi - unokwenza amaninzi "ukuba-ntoni" ukuba uhlalutye.
Khangela iindleko zentsalo
Ngoku ungakhangela phantsi kwebhodi uze ubone oko kwenzekayo xa uhlaziya. Mbonise indlela oza kuchitha ngayo inzala kunye nomboleko omdala kunye nemboleko emitsha. Yiya kwitheyibhile nganye yokubuyisela imali kwaye uphakamise inani elipheleleyo kwikholomu 'Inzala'. Qala nomhla wamhla, uze uqhubeke phantsi uze ucinge ukuba uya kulahla umboleko (iminyaka engama-7, okanye xa ihlawulwa, okanye nayiphi na into oyikhethayo).
Oku kulula kakhulu xa ubalwa ngemboleko nganye ngesipredishithi, okanye ukuba unako ukukopisha uze unamathisele itafile yakho yokwenza imali kwi-spreadshee. Bona umzekelo wendlela yokwenza ngayo apha, okanye sebenzisa umsebenzi we-SUM kwi-OpenOffice, i-Google Docs, okanye i-Excel. Ngokomzekelo wethu, kukho ukungafani okuthakazelisayo:
- Ukuba ugcina umboleko okhoyo uze uhlawule, uza kuchitha i-$ 103,236 inzala ukusuka namhlanje ukuya ku-2033
- Ukuba uhlaziya kwaye ugcine umboleko uze uhlawulwe, uza kuchitha i-$ 117,313 inzala ukususela ngowe-2042
Ngaba ufanele u-$ 14,000 kule minyaka engama-30 ezayo ukuba ufumane intlawulo engaphantsi kwenyanga? Mhlawumbi kunjalo kwaye mhlawumbi akunjalo. Kodwa kuthekani ukuba uya kugcina kuphela umboleko (okanye uhlale ekhaya) iminyaka eyi-10?
- Ukuba ugcina i-mboleko ekhoyo, uza kuchitha i-$ 69,565 ngemali phakathi kowoku kunye noJulayi ka-2022
- Ukuba uhlaziywa, uza kuchitha i-$ 58,545 ngenzala phakathi kowoku kunye noJulayi ka-2022
Kwimeko apho, ukulungiswa kwakhona kubonakala kukukhangeleka. Awufumani nje kuphela inzuzo yentlawulo ephantsi, uyagcina kunye neendleko zomdla (kuba awuyi kuhlala uhlawula inzala kwiminyaka engama-30 epheleleyo).
Bonisa umfanekiso weNdlela yokujongana nayo nayiphi na iindleko zokuvala
Xa uhlaziywa, unokuhlawula iindleko zokuvala. Kuya kufuneka ukuba uthabathe ezi ndleko njengoko uzigqiba ukuba wenze ntoni. Unokucinga ngeendleko zokusebenzisa loo mali: ngaba unokufumana inzala kuloo mali? Ukuba kunjalo, ngaba kuyafaneleka ukuba uchithe imali kwiindleko zokuvala?
Unokuqwalasela kwakhona umgaqo-nkqubo wokuhlengahlengiswa kwemveli: uza kuthatha ixesha elingakanani ukubuyisela imali oyichithayo, ukuthatha inkokhelo yakho yenyanga yinciphisa (ukwahlula ukugcinwa kwenyanga ngendleko zakho zokuvala zonke ukujonga ukuba ziza kuthatha iinyanga ezininzi). Ngaba uza kuhlala endlwini ngokukhawuleza ukufumana ezo ndleko? Nantoni na oyenzayo, qiniseka ukuba awuyikunyamekela iindleko zokuvala kuba zibaluleke kakhulu kumdlalo we-puzzle.
Ukuba uxhaswe ngeendleko zokuvala okanye ukuba 'uzibophelele' kwi-mboleko entsha (okanye ukuba unayo mboleko ngaphandle kweendleko zokuvala ) ungadingi ukwenza nayiphi na enye eyongezelelweyo - iindleko sele zikhokhelwe kwi-balance balance yakho okanye inzala ephezulu.