Funda malunga neRefinancing: I-Pros ne-Cons ye-Replacement ye-Loan

Yintoni iRefinancing?

Ukuba unemboleko ebiza kakhulu okanye engengozini yokuhlala nayo, unako ukuhlaziya imali engcono. Izinto zitshintshile ekubeni ubole imali, kwaye kukho iindlela ezininzi zokuphucula imimiselo yakho mboleko. Ingaba unayo mboleko yekhaya, imali-mboleko yemali, okanye enye ityala, ukulungiswa kwemali kukuvumela ukuba utshintshe ityala kwindawo engcono.

Yintoni iRefinancing?

Ukuhlaziywa kwemali yinkqubo yokutshintshwa kwemboleko ekhoyo kunye nemboleko entsha.

Umboleko omtsha uhlawula ityala langoku, ukuze loo matyala apheliswe xa uhlaziywa. Nangona kunjalo, umboleko omtsha kufuneka ube nemimiselo engcono okanye iimpawu eziphucula iimali zakho. Iinkcukacha zixhomekeke kuhlobo lomboleko kunye nomboleki wakho, kodwa inkqubo ibonakala ngathi:

1. Unomboleko okhoyo ongathanda ukuphucula ngandlela-thile.
2. Ufumana umboleki-mboleko onemibandela engcono yemali mboleko, kwaye ufaka isicelo semboleko entsha.
3. Umboleko omtsha uhlawula ngokupheleleyo ityala elikhoyo.
4. Uhlawula imali mboleko entsha uze uyihlawule okanye uhlaziywe.

Kutheni abantu kunye nezo shishino zihlaziya

Ukuxhaswa kwemali kudla ixesha, kunokuba kubiza, kwaye umboleko omtsha ungase ulahleke iimpawu ezikhangayo ezikhoyo. Ngoko kutheni le nkqubo ihamba? Kukho iinzuzo ezininzi zokuhlaziya.

Gcina imali: Isizathu esivakalayo sokuhlaziywa kukugcina imali kwiindleko zenzalo . Ukuze wenze njalo, kufuneka ukuba uhlaziywe ngemboleko ngemali yenzalo esezantsi kunomlinganiselo wakho wenzala.

Ngokukodwa ngeemali-mboleko zexesha elide kunye nexabiso elingu-dollar, ukunciphisa umyinge wenzala kunokubangela ukugcina imali ebalulekileyo yokuphila.

Iintlawulo eziphantsi: Ukuhlaziywa kwemali kunokukhokelela kwiintlawulo eziphantsi zenyanga ezifunekayo. Isiphumo ke ukulawulwa kwemali yokulula kwemali kunye nemali eninzi ekhoyo kubhajethi kwezinye iindleko zenyanga.

Xa uhlaziywa, uhlala uqala iwashi kwaye ukwandisa inani lexesha uza kuhlawula imali mboleko. Njengoko ibhalansi yakho inokuba yincinci kuneyona mali yakho yangaphambili kunye nexesha elininzi lokubuyiselwa, intlawulo entsha yenyanga kufuneka iyancipha.

Inqanaba elincinci lentengo (kunye nazo zonke ezinye izinto ezihlala zifana) zingakhokelela ekuhlawuleni iintlawulo zenyanga. Nangona kunjalo, ukwandisa ubomi bomboleko kungatsho ukuba uza kuhlawula ngaphezulu kwemboleko kwixesha elide. Ukubona ukuba ixabiso lentengo kunye nexesha lakho lemboleko lichaphazela njani ukuhamba kwemali nganye ngenyanga, jonga indlela yokubala iintlawulo zemboleko .

Ukunciphisa ixesha lokuboleka imali: Endaweni yokwandisa ukuhlawulwa kwemali, ungaphinda uhlaziywe kwixesha elifutshane lemboleko. Ngokomzekelo, unokuba nemali-mboleko yeminyaka engama-30, kwaye loo mboleko ingahlaziywa kwimali-mboleko yeminyaka eyi-15. Oko kusenza kunengqiqo ukuba ufuna ukwenza iintlawulo ezinkulu ukulahla ityala ngokukhawuleza. Ngokuqinisekileyo, unokwenza iintlawulo ezongezelelweyo ngaphandle kokuhlaziya . Ukwenza iintlawulo ezinkulu ngaphandle kokuhlaziywa kukukunceda ukuba ugweme ukuhlawula iindleko zokuvala kwaye ugcine uguquguquko (unakho ukuhlawula ngaphezu kokuncinci, kodwa akudingeki ukuba kukho into ethile).

Ukuhlanganiswa kwamatyala: Ukuba unemali-mboleko emininzi, kunokuba kunengqiqo ukudibanisa loo mboleko mboleko kwimali-mboleko enye- ingakumbi ukuba unokufumana inzala engaphantsi.

Kuya kuba lula ukugcina umkhondo weentlawulo kunye nemiboleko, kodwa ukudibanisa kungabangela iingxaki (jonga ngezantsi).

Sitshintsha uhlobo lwakho lwemboleko: Nangona ungaphantsi kwezinga lakho lemali okanye inkokhelo yenyanga, kunokuba lunengqiqo ukuhlaziya ezinye izizathu. Umzekelo, ukuba unemali-mboleko eguquguqukayo , unokukhetha ukutshintsha imali mboleko ngezinga elimisiweyo. Umyinge ochaphazelekayo unokunika ukhuseleko ukuba amaxabiso okwangoku aphantsi, kodwa kulindeleke ukuba aphakamise .

Ukuhlawula imali ebolekileyo: Imali mboleko, ngokukodwa imali-mboleko yebhaluni , kufuneka ibuyiselwe ngosuku oluthile. Kodwa unganakho ukufumana imali ekhoyo inkokhelo enkulu. Kuloo meko, kunokuba kunengqiqo ukulungiswa kwemali-mboleko-usebenzisa imali-mboleko entsha ukuxhaswa ibhaluni-ntlawulo kwaye uthathe ixesha elingaphezulu lokuhlawula ityala.

Umzekelo, ezinye iimboleko zoshishino zifuneka emva kweminyaka embalwa nje, kodwa ziyakucocwa kwixesha elide elide emva kokuba ishishini lizinzile kwaye libonise imbali yokwenza iintlawulo zexesha.

Iintsilelo zeRefinancing Loan

Ukuhlaziya kwakhona akusoloko kusisilumko. Nangona ukhusele umyinge ophantsi okanye inkokhelo ephantsi yenyanga, kuya kuba yimpazamo ukuqeda imali ekhoyo. Hlola i-pros and cons in careful before you move forward.

Iindleko zentengiso : Ukuhlaziywa kwemali kungabiza. Ngokukodwa ngemali mboleko njengemali-mboleko yasekhaya, uya kuhlawula iindleko zokuvala ezingabongeza ukuya kumawaka eedola. Ufuna ukuqinisekisa ukuba uya kuphinda uqhekeze phambi kokuhlawula ezo ndleko. Ezinye iintlobo zemali-mboleko, kubandakanywa nemali-mboleko evela kubathengi be-intanethi , kunokubandakanya i-processing and origination fees.

Iindleko eziphezulu: Ukuhlaziywa kwemali kunokubuyisela. Xa usula iintlawulo zemboleko kwithuba elongezelelweyo, uhlawula inzala eninzi kwityala lakho. Unokufumana iintlawulo ezincinane zenyanga, kodwa inzuzo ingahlawulwa yindleko ephezulu yokuboleka. Sebenzisa ezinye iinombolo ukuze ubone ukuba kunjani ukunyanzelela. Yenza imali yokwenza imali ngokukhawuleza ukuze ubone indlela iindleko zomdla wakho zitshintsha ngayo ngemali-mboleko eyahlukeneyo.

Iingeniso ezilahlekileyo: Ezinye iingxowa-mali zinemisebenzi enobomi eyokupheliswa xa uhlaziywa. Ngokomzekelo, iimali-mboleko zemfundo zombuso ziguquguqukayo kunezikolodo zemali ezizimeleyo xa uwela kumaxesha anzima. Ngaphezulu, iimali-mboleko zedolophu zingaxolelwa ukuba umsebenzi wakho ubandakanya inkonzo karhulumente. Ngokufanayo, ukugcina umboleko wemali-mboleko ungagqibekanga ukuba amazinga omdla aphezulu-nangona ufumana ixesha eliphantsi ngemali mboleko eguquguqukayo.

Yintoni engatshintshiyo

Xa uhlaziywa, ezinye izinto ziguquka, kwaye ezinye izinto azizenzi.

Amatyala: Ibhalansi yakho mboleko ayiyi kutshintsha. Uya kuba nexabiso elifanayo-ngaphandle kokuba uthathe ityala elingakumbi ngelixa uhlaziywa. Kungenzeka ukuba wenze imali yokucoca okanye uhlawule iindleko zakho zokuvala kwimboleko yakho , kodwa oko kukunyusa umthwalo wakho wetyala.

Ukubambisana: Ukuba uthe wasebenzisa imali yokubolekisa imali , loo mboleko iya kuba isengozini (kwaye iyadingeka) kwimboleko entsha. Ngokomzekelo, ukuhlaziywa kwemali mboleko yakho yasekhaya kuthetha ukuba usenokulahlekelwa yindlu ekukhuselweni xa ungenzi iintlawulo. Ngokufanayo, imoto yakho inokuphinda ibuyiselwe ngemali mboleko. Ngaphandle kokuba uhlawule umboleko ongekho umntu okhuselekile , loo nto iyimngcipheko. Kwezinye iimeko, unokwenyusa umngcipheko wakho wokubambisa xa uhlaziywa. Ezinye iindawo zivumela ukungahlawulwanga kwemali mboleko ekhaya ukuba ziboleke imali emva kokuhlaziya.

Iintlawulo: Kufuneka wenze iintlawulo, kodwa kwiimeko ezininzi, intlawulo yakho yenyanga iya kutshintsha xa uhlaziywa. Unomboleko omtsha omtsha, kwaye iintlawulo zibalwe ngolu hlobo lwemali-mboleko, ixesha, kunye nenzala. Ukuze ugweme ukubanjwa ngokumangalisa, funda indlela yokwenza umboleko ngokwakho (kulula ngama-spreadsheet e-intanethi apha).