- Amandla athile okuthenga ngemali oyigcine
- Ukunyuka kwezinga lentengo kwi-akhawunti yokulondoloza, izatifikethi zediphozi (iiCD) kunye neminye imikhiqizo
- Iintlawulo zemali-mboleko "uvakalelo" lunokuhlawuleka ngaphezu kwexesha elide
Ukulahlekelwa kweMandla okuThengwa
Ixabiso lemali lenza imali ingabalulekanga. Isiphumo kukuba idola enye ithengwa ngaphantsi kunokuba isetyenziswe kuwo wonke unyaka, ngoko iimpahla kunye neenkonzo zibonakala zibiza kakhulu xa ubheka nje ixabiso elichazwe kwiidola. Iindleko ezilungele ukunyuka kwamaxabiso zihlala zifana (okanye kungenjalo), kodwa inani leedola eliyithatha ukuthenga into iyaqhubeka ishintsha.
Xa ulondoloza imali kwixesha elizayo, unethemba lokuba uya kukwazi ukuthenga ubuncinane njengoko kuthenga namhlanje, kodwa akusoloko kunjalo. Ngethuba lexesha lokunyuka kwamaxabiso aphezulu, kunengqiqo ukucinga ukuba izinto ziya kuba kubi kakhulu kunyaka ozayo kunokuba zikhona namhlanje-ngoko kukho ukukhuthaza ukuba uchithe imali yakho ngoku endaweni yokulondoloza.
Kodwa kusenokwenzeka ukuba ugcine imali kwaye ugcine imali ngesandla, nangona ukunyuka kwamaxabiso kusemngciphekweni wokunciphisa inani lokugcina kwakho. Ngokuqinisekileyo uya kufuneka imali yakho yenyanga yenkcitho ngemali, kwaye yinto efanelekileyo yokugcina iimali zengxamiseko kwindawo ekhuselekileyo njengebhanki okanye inyunyana yekhredithi .
Iimali zenzalo ziphakama
Iindaba ezilungileyo kukuba amazinga omdla atya ukunyuka ngexesha lokunyuka kwamaxabiso. Ibhanki yakho ingenakho ukuhlawula umdla namhlanje, kodwa ungalindela ukuba ipesenti yakho yonyaka ivelise (APY) kwii-akhawunti zokulondoloza kunye neCD ukuze ukhangele ngakumbi.
I-akhawunti yokulondoloza kunye ne- akhawunti yemarike yemarike kufuneka ihambe ngokukhawuleza njengoko amaxabiso aphakama.
IiCD ezifutshane (iinyanga ezi-6-12, umzekelo) zinokuthi zilungelelanise. Nangona kunjalo, ii-CD zezinga elide mhlawumbi aziyi kuhlahlela kude kube kucace ukuba ukunyuka kwamaxabiso kuye kwafika kwaye amaxabiso aya kuhlala ephakamileyo ixesha elithile.
Umbuzo kukuba ingaba loo milinganiselo iyanda okanye ayinelanga ukwenzela ukuhamba ngokuhambelana nokunyuka kwamaxabiso. Ehlabathini elungileyo, ubuncinane uza kuphula, kwaye ukugcina kwakho kukukhula ngokukhawuleza njengoko amaxabiso akhula. Enyanisweni, amaxabiso asele emva kwexabiso lentengo, kunye nerhafu yengeniso kwimali oyifumanayo ithetha ukuba mhlawumbi ulahlekelwa amandla okuthenga ebhankini.
Amacandelo okugcina amaxabiso okunyuka kwamaxabiso
Gcina izinyathelo ezivulekileyo: Ukuba ucinga ukuba amaxabiso aya kuvuka kungekudala, kungcono ukuba ulinde ukubeka imali kwiCDs ezide. Ngaphandle koko, ungasebenzisa isicwangciso sokumamela ukukhusela ukungena kwizinga elisezantsi, kuba kunzima ukuqikelela ixesha kunye nesantya (kunye nesalathiso) sezinga lokutshintsha kwezinga lesigwebo.
Ukuthenga ngeenxa zonke? Indawo yokunyuka kwamazinga yithuba elifanelekileyo lokugcina iliso kwiinkampani ezingcono. Ezinye iibhanki ziya kuthatha inxaxheba kumaxabiso amaninzi aphezulu ngokukhawuleza kunabanye. Ukuba ibhanki yakho iphuculwa, kunokufanelekile ukuvula i-akhawunti kwenye indawo. Iibhanki ze-intanethi zihlala zilungele ukufumana amaxabiso okugcina ukhuphiswano. Kodwa khumbula ukuba umahluko kumvuzo ufuna ukuba luleke ukuba uphume phambili. Ukutshintshwa kweebhanki kuthatha ixesha kunye nemigudu, kwaye imali yakho ayinakufumana nayiphi na umdla xa ihamba phakathi kweebhanki.
Ngaphezulu, ibhanki enezinga eliphezulu kakhulu lokutshintsha rhoqo-into ebalulekileyo kukuba ufumana inqanaba lokukhuphisana. Ukutshintshwa kweebhanki kuya kwenza ingqiqo enkulu ngokukodwa kwiibhalansi ezinkulu zeakhawunti okanye ukungafani okubalulekileyo kwimilinganiselo yeebhanki phakathi kweebhanki. Nge-akhawunti encinci okanye umlinganiselo omncinci wamanani, mhlawumbi akufanelekanga ixesha lakho lokuhamba.
Ukulondolozwa kwexesha elide: Ngaba uceba ukulungiselela ukuqinisekisa ukuba unelungelo elifanelekileyo kwiindidi ezifanelekileyo zeakhawunti. Iibhanki zebhanki zingcono kwimali oyifunayo okanye unokuyidinga kwixesha elisondeleyo eliphakathi. Ukuba ulahlekelwa yintlawulo yamandla okuthenga ngenxa yokunyuka kwamaxabiso, yile ntlawulo ohlawula ngayo ukuba ube neengxowa-mali zongxamiseko-kwaye leyo ingaba yintengo encinci yokuhlawula. Thetha nomcwangcisi wezemali ukufumanisa ukuba, ukuba nantoni na, kufuneka uyenze ngemali yesikhathi eside.
Imali kunye nemali
Ukuba unomdla malunga nokunyuka kwamaxabiso, unokufumana uncedo oluthile ngokungazi ukuba iimali-mboleko zexesha elide ziyakwazi ukufumana imali ethe xaxa.
Ukuba ukuhlawulwa kwemali-mboleko yamakhulu angama-dollar ivakalelwa njengemali eninzi namhlanje, abayi kuvakalelwa ngathi baninzi kwiminyaka engama-20.
Iimali-mboleko zexesha elide: Ukucinga ukuba awuhlose ukuhlawula imali yakho mboleko kwangaphambili , iimali-mboleko zemali ezihlawulwa ngaphezulu kweminyaka engama-25 kunye ne-30-year-year -rate-mortgage rate kufuneka zifumane lula ukuziphatha. Ewe, ukuba ingeniso yakho ingaphumeleli ngokunyuka kwamaxabiso okanye ukunyuka kweentlawulo, kuya kuba nzima nakakhulu. Kwakhona, ukunciphisa inkokhelo akusoloko kuyisimo esibi ngenxa yokuba uhlala uhlawula umdla kuyo yonke loo minyaka ukuba ugcina imali mboleko.
Imali-mboleko yezinga eliphezulu: Ukuba izinga lomdla kwimali-mboleko yakho iguquka ngexesha, kukho ithuba lokuba izinga lakho liza kunyuka ngexesha lokunyuka kwamaxabiso. Imirhumo yemirhumo eguquguqukayo inomyinge wenzalo esekelwe kwamanye amaxabiso (u-LIBOR, umzekelo). Isilinganiso esiphezulu singakhokelela ekuhlawuleni kwenyanga nganye efunekayo , ngoko ulungele ukutshatyalaliswa kwenkokhelo xa ukunyuka kwamaxabiso kukhula.
Ukuvalelwa kwiirhafu: Ukuba uceba ukuboleka kungekudala, kodwa ungenaso izicwangciso eziqinileyo, qaphela ukuba amaxabiso angaphaya xa usufaka isicelo semboleko okanye uvale kwisantya. Ukuba oko kwenzeka, kuya kufuneka uhlawule inyanga nganye. Shiya elinye igumbi elincinci kwibhajethi yakho ukuba uthengisa into ephezulu enokuthenga kuyo ngetyala. Ukuqonda ukuba inzala njani inokuchaphazela intlawulo yakho yenyanga kunye neendleko zenzalo, sebenzisa ezinye izibalo zemboleko ngeerhafu ezahlukeneyo .