I-Equity Imali yeeNkcitho
Umgca oqhelekileyo weentengo zabathengi kubathengi kwikhaya lokulingana kwekhredithi (HELOC). Ngolu hlobo lomboleko, ukulingana kwekhaya (oko kukuthi, ukubaluleka kwekhaya lakho "ngokwenene") lisebenza njengobuncwane .
Ezi mboleko ziyakuthandwa kuba zivumela ukuba uboleke imali eninzi ngexabiso elincinci lentengo (xa kuthelekiswa namakhadi-mboleko okanye iimali-mboleko ezingakhuselekanga ).
Kutheni inzala ephantsi? Amabhanki acinga ukuba ezi mboleko zikhuselekile kuba zicinga ukuba uya kuhlawula umgca wekhredithi ukuze ugweme ukulahlekelwa yindlu yakho ekukhuselweni . Umda wakho wekhredithi uza kukwaziswa, ngenxenye, ngomboleko wakho ukuxabisa ubungakanani , izikolo zakho zemali , kunye nengeniso yakho.
I-Credit Credit vs Imali-mboleko yeMakhaya:
Ngamanye amaxesha kunceda ukuthelekisa nokwahlula iintlobo ezahlukeneyo zemboleko. I-HELIK ifana nemali mboleko yemali , kodwa kukho ukungafani okubalulekileyo.
Ngokuqhelekileyo, i-HELOC iguquguquka ngakumbi kunemali mboleko yemali. Uboleka kuphela into oyifunayo, kwaye unako ukubuyela emva kwemali eyongezelelweyo xa ufuna (ukuba nje uhlale phantsi kwe- limit your credit limit limit , kwaye nje kuphela ukuba umboleki wakho akayikukhansela umgca wakho wekhredithi ngokungalindelekanga).
Ungasebenzisa i-checkbook okanye ikhadi lokuhlawula ukufikelela kumgca wakho wekhredithi.
Ngemali mboleko yemali okanye " yesibini yemali mboleko ," wenza konke ekuphepheni omnye. Uya kufumana isixa-mali esiphezulu semali-mboleko kwisinye isixa-mali, kwaye uza kufuneka ukhokhe umyinge kuwo wonke umlinganiselo wemali-mboleko. Nge-HELOC, ngakolunye uhlangothi, unomdla kuphela kunoma yimuphi umrhumo wemali-mboleko.
Ngokuqhelekileyo iintlawulo zakho zenyanga ziya kuhlala zifana nenyanga nganye kunye neengxowa-mali zokulingana ekhaya, kwaye uya kuba nenqanaba lokukhangela inzala (okanye enye iguqula rhoqo). I-HHOOKI iya kuba nezinga eliguquguqukayo elinokutshintsha rhoqo, ngoko ke iintlawulo zenyanga ziyahluka.
I-Credit Card Iimali zetyala
Kwakhona, umgca wekhredithi unokufana kakhulu nekhadi lesikweletu. Enyanisweni, ikhadi lakho lekredithi ngokusemthethweni ngumgca wekhredithi: uya kuboleka ukuya kumda ophezulu, kwaye unokubuyiselwa kwaye ubolekise amaxesha amaninzi.
Dweba kunye nexesha lokuhlawula:
Umgca wakho wekhredithi uza kuba nexesha lokudweba kunye nexesha lokubuyisela . Ngethuba lexesha, uboleka imali kwaye usebenzise umgca wakho wekhredithi. Oku kungadlulela iminyaka engama-10 okanye njalo, kwaye ibonakala kwaye ivakalelwa efanayo nekhadi lekhadi lesikweletu. Ngethuba lexesha lokuhlawula, ubuyisela inqununu kunye nomdla malunga nemboleko (jonga indlela yokuSebenza kweMali ).
Iindleko zokuvala
Njengamabhanki amaninzi, imigangatho yekhredithi ineendleko zokuvala . Ingqinamba kwezi zinto xa wenza izigqibo zakho kubaboleki kunye neentlobo zemboleko.
I-Overdraft Line Credit
Olunye uhlobo lomgca wekhredithi ngumgca werhafu we-overdraft , ekhoyo kwi- akhawunti yakho yokujonga . Loo mgca wesikweletu udala umboleko omncinci xa usebenzisa imali engaphezulu kunokuba ufumane ukujonga, kwaye ngokuqhelekileyo ixabiso eliphantsi kunomrhumo we-overdraft (ekucingeni ukuba uhlawulwa kuphela ngamabhakethi ambalwa).