Iindleko zemali
Kuthatha ukuthatha imali? Eminye imali. Xa uboleka, kufuneka uhlawule imali oyiboleke kunye nomdla. Kufuneka uhlawule iimali.
Iindleko ziyinxalenye ephambili yokuqonda indlela umsebenzi wokubolekwa ngayo imali kunye nokuba ngubani ozakukhetha; ngokuqhelekileyo, kukulungele ukunciphisa iindleko, kodwa iindleko azihlali zilula ukuqonda. Ababoleki abavame ukubonisa ngokucacileyo ukuba izikwereti zisebenza njani kunye neendleko zabo, ngoko kuhlawulela ukuqhuba amanani ngokwakho.
Kwimali-mboleko enkulu, i- Loan Amortization Calculator iya kubonisa indlela izinto ezisebenza ngayo. Ukuba ufuna ngokwenene ukudlala ngamanani, sebenzisa i-spreadsheet ukuze ubone oko kwenzekayo xa utshintshe iziguquko. Iindleko zingaba zikhohlisi, ngoko qiniseka ukuba uqwalasele ixabiso lentengo kunye nemali yokuthenga njengoko uhlola indlela umbolekisi osebenza ngayo.
Ukuhlawula phantsi kweMali yokuTyala
Imboleko kuphela xa uhlawula. Njengoko ufumanisa indlela usebenza ngayo imali, uza kubona ukuba amaninzi emalimboleko ayahlawulwa ngokukhawuleza emva kwexesha. Intlawulo nganye yenyanga iyahlukana ibe ngamacala amabini: inxalenye yayo ibuyisela imali ebhalisiweyo, kwaye inxalenye yayo yindleko yakho yenzalo . Itheyibhile yokwenza imali ibonisa indlela oku kusebenza ngayo, kwaye iindleko zenzalo zihla ngaphaya kwexesha.
Imboleko ingenakho okanye ingaba "nekota" - ubude bexesha ohlawula ngalo. Eminye imithwalo-mboleko ihlala iminyaka engama-30, ngelixa ezinye iimali-mboleko zinokuphela iminyaka emithathu. Amakhadi okuthenga ngetyala (credit cards) ayingxowa-mboleko ", ebonisa ukuba unokuboleka kwaye ubuyiselwe ngokuphindaphindiweyo njengoko ufuna ngaphandle kokufaka isicelo sembolekiso entsha . Eli gama lithinta indlela umboleko wakho osebenza ngayo ; Iimfuno ezimfutshane zifuna iintlawulo ezinkulu.
Ukufaneleka kweMali
Ukuze ufumane umboleko oza kuwufumana. Ababolekisi benza kuphela imali mboleko xa becinga ukuba baya kuhlawulwa. Ikhredithi yakho ibalulekile ekuncedeni ukuba ufaneleke ekubeni ibonisa indlela oye wasebenzisa ngayo imali mboleko kwixesha elidlulileyo. Ikhredithi efanelekileyo ithetha ukuba unokufumana imali mboleko ngezinga elifanelekileyo. Unokufuna kwakhona ukubonisa ukuba unemali eyaneleyo yokubuyisela umboleko.
Ukuba ungekhredithi eqinileyo okanye ukuba uboleka imali eninzi, unokufuneka ufumane umboleko ngemboleko . Oku kuvumela ukuba umnini-mboleko athathe into aze ayithengise ukuba awukwazi ukuhlawula mboleko. Kusenokwenzeka ukuba ufanele ukuba nomntu onetyala lokuthenga umbolekiso, oku kuthetha ukuba baya kuthembisa ukuyibuyisela xa ungenako. Ngamanye amaxesha incwadi ebhaliweyo ibinceda .
Indlela iiMali ezisebenza ngayo kwiCandelo
Ngoku uyazi ngakumbi malunga nokuboleka ngokubanzi, kodwa njani ukubolekwa kwemali mboleko kubomi bemihla ngemihla? Xa ufuna ukuboleka, u tyelela umboleki kunye nokufaka isicelo semboleko. Ibhanki yakho okanye inyunyana yemboleko yindawo elungileyo yokuqala; Unokusebenza kunye nababolekisi abakhethekileyo njengabathengi bemali mboleko kunye noontanga ukuba bafumane iinkonzo zentengiso.
Emva kokuba unikezele ngolwazi malunga nawe, umboleki-mali uya kuhlalutya isicelo sakho kwaye anqume ukuba okanye angayenzi mboleko.
Ukuba uvunyiwe, umnini-mboleko uzakuthumela imali kuwe (okanye ingaya ngqo komnye umntu - umntu othengayo indlu, umzekelo). Kungekudala emva kwemali, uya kuqala ukuhlawula - ngokuqhelekileyo ngenyanga.
Ukuba ufuna ukugcina imali, ungabuyisela ngokutsha imali mboleko kwangaphambili. Mbonise indlela umbolekisi wakho osebenza ngayo ukujonga ukuba kukho na iindleko zokubhadela kwangaphambili kwaye uqinisekise ukuba kunengqiqo ngaphambi kokuba wenze njalo.