Ukuba ujongene nenqanaba lemali ephezulu inzala (nokuba sele uyenayo okanye ibonakala ngathi yindlela ekhoyo kuphela), jonga iindlela ezincinci zokufumana imali oyifunayo.
Ukunciphisa iindleko zakho zokuboleka kuthetha ukuba iintlawulo zakho zenza okungakumbi ukunciphisa umthwalo wakho wetyala .
Isayinwe Imali
Ukubolekwa kwemali mboleko yindleko zemveli ezivela kwibhanki okanye kwimanyano yemboleko . Ezi mboleko zivuthiwe zingabizi ngaphantsi kwamakhadi-mboleko, iimali-mboleko zeminikelo kunye neetyala zemali. Bafika ngezinga elincinci lomdla , kwaye loo nqanaba ihlala isalathiselwe kuyo yonke loo mboleko yemali-mboleko yakho - ngoko kuya kwenzeka ukuba ungene kwi "teasers" okanye inkokhelo yentlawulo iyanda. Imirhumo yokucwangcisa ifanele ibe yinto ephantsi okanye engekho (ekucingeni usebenzisa ibhanki okanye umanyano weentengo zemali, ngokuchasene nesitolo semali-mboleko ye-payday ); yonke into oyihlawulayo ibhaka kwizinga lomdla.
Ngemboleko mboleko, uya kuboleka yonke into oyifunayo ukuhlawula ezinye izibophelelo kwisinye isixa-mali. Emva koko uhlawula rhoqo iintlawulo zenyanga ze "intlawulo" kuze kube yilapho umboleko uhlawulwa (ngaphezu kwekota emithathu okanye emihlanu , umzekelo). Ngentlawulo nganye yenyanga, inxalenye yentlawulo iya ekunciphiseni ibhalansi yemali-mboleko, kwaye zonke iifakela iindleko zomdla (oku kwaziwa nangokuthi i- amortization ).
Kuthekani ukuba ungena kwimali ethile? Intle kakhulu. Unakho ukuhlawula umboleko ngaliphi na ixesha ngaphandle kwesihlwayo .
Ukuze ufanele ukubolekwa ngemali mboleko, uya kufuna i- credit efanelekileyo kunye neengeniso ezaneleyo zokubuyiselwa kwemboleko. Kodwa akudingeki ukuba uthembise isibambiso - ufuna ukuthembisa ukuba uya kuhlawula, yintoni le maxa wambi ayaziwa ngokuba yi-"signature" mboleko.
Imali-mboleko yomntu
Imali-mboleko ye-P2P yintlukwano kwimali mboleko. Endaweni yokuboleka ebhankini okanye kwimanyano yemali, ungazama ukuboleka kwabanye abantu . Abo bantu bangaba ngabahlobo kunye nosapho, okanye bangaba ngabasemzini abangaqhelekanga abazimisele ukuboleka ngewebhusayithi ye-P2P.
Iimali-mboleko ze-P2P ngamanye amaxesha zilula ukufumana ilungelo lokuthenga ngetyala okanye ingeniso engafanelekanga (ewe, kuqondakala ukuba ubolekise ukuba uyaqiniseka ukuba uya kuhlawula). Ngokukodwa kunye nabahlobo kunye nosapho, imali yakho ayinakucingela, kodwa kuseyona nto ingcono ukukhusela "umboleki" kunye nobudlelwane bakho. Beka yonke into ngokubhaliweyo ukuze kungabikho mangalisa, kwaye ukhusele imali enkulu (njengemali-mboleko yasekhaya) kunye nekhonkco xa kwenzeka into ethile kuwe.
UkuBhaliswa kweMali
Ukuba unetyala lekhredithi, unakho ukuboleka ngexabiso elincinane "leetaser" ngokusebenzisa inzuzo yokudlulisela imali. Oku kungadinga ukuvula iakhawunti entsha yekhadi lesikweletu, okanye unokufumana ukuhlolwa okulula kwiakhawunti zakho ezikhoyo ezikuvumela ukuba uboleke kwi-0% ye-APR kwiinyanga ezintandathu okanye njalo.
Ukutshintshwa kwemali -mboleko kunokusebenza kakuhle xa uyazi ukuba umbolekiso uza kuba mfutshane. Nangona kunjalo, kunzima ukuqikelela ikusasa, kwaye unokugqiba ukugcina loo mboleko kwiincwadi ngaphaya kwamanye amaxesha okuphromotha - kwaye ke "imali yokukhulula" iya kuba yintlawulo ephezulu yenzalo.
Sebenzisa ukutshintshela ibhalansi kunikezela ngokukhawuleza, kwaye uqaphele iimirhumo ezinokususa zonke izibonelelo.
Ekhaya Elingene
Ukuba unamaxabiso amaninzi ekhaya , ungazama ukuboleka kwikhaya lakho. Izibonelelo zokubanjiswa kweyesibini zivame ukuza nenani lentlawulo ephantsi (kwakhona, xa kuthelekiswa namakhadi-mboleko kunye nezinye iimali-mboleki), kodwa zide zingaphelelanga.
Ingxaki ebalulekileyo kunye neengxowa-mali zokulingana ekhaya kukuba ubeka ingozi ekulahlekelweni kwekhaya lakho: ukuba awuhluleki ukuhlawula imali njengoko kuvunyelwene ngayo, umboleki wakho unokukugxotha kwaye athengise ikhaya lakho . Kwiimeko ezininzi, loo nto ayimngcipheko onokuyithatha - kungcono ukusebenzisa "imali engalondoloziwe" njengemali ekhankanywe ngasentla. Ngaphezu koko, uya kufuneka uhlawule iindleko zokuvala ukufumana imali mboleko yemali, kwaye ezo ndleko zingongeza kwiwaka leedola.
Ulungelelaniso lweengxaki?
Ukugqiba malunga nemboleko efanelekileyo yezidingo zakho kulula - ukufumana imvume kuyinxalenye nzima.
Ngoko wenza ntoni ukuba awukwazi ukufumana mboleko?
Hamba encinci: unokufumana inhlanhla engcono kumaziko amancinci. Imanyano yemali kunye namabhanki asekuhlaleni aya kukhangela i-credit and income yakho, kodwa iyakwazi ukuguquguquka kunokuba i-megabanks.
Ukubambisa isibambiso: ukuba unayo ingeniso eyaneleyo kunye neempahla ukuze ufanele ukuboleka imali, unayo nayiphi na impahla? Unokwazi ukusebenzisa ezo zinto njengezibambiso kwaye uvumeleke ukuba uboleke imali. Sebenza kunye neebhanki zemveli kunye neemanyano zematyala xa kunokwenzeka, kwaye usebenzise imali yokugcina imali njengendlela yokugqibela. Kwibhanki okanye kwimanyano yemboleko, unokukwazi ukufumana i-akhawunti yokulondoloza, ii-CD kunye namanye ama-akhawunti njengemali.
Umlingani uphakamise: umnxibelelwano we-co-ordinative unokukunceda ukufaneleka. Ukuba uyayazi umntu onetyala elifanelekileyo kunye neengeniso ezifanelekileyo, ababolekisi bangasebenzisa ikhredithi yomntu kunye nemali engenayo ukuze avumele umboleko. Nangona kunjalo, ubeka umnxibelelwano wakho kwindawo ephosakeleyo - ukuba uyaphumeleli ukubuyisela nayiphi na isizathu, umnini-mboleko uzakulindela ukuba umnxibelelwano wakho uhlawule yonke into oyibolekileyo, kubandakanywa iintlawulo kunye nomdla. Kubalulekile ukuba umnxibelelwano wakho uqonde ingozi, kwaye uyaqonda ukuba unomdla kangakanani umntu ukuba atyikitye kunye nawe.
Ukujonga phambili
Ukuze ugweme inzala ephezulu yemali kwixesha elizayo, qinisa isikhundla sakho semali
- Yakha isikweletu ukuze kube lula ukuboleka ngemigomo ekhangayo
- Gcina i- fund yangxamisekileyo ukuze uhlawule imali ngexesha leemfuno
- Cwangcisa imali yakho ukuze ugcine imali nganye ngenyanga kwaye uhlawule ityala