Imali engxamisekileyo ivela kwiindawo ezahlukeneyo. Ngokufanelekileyo, unemali yongxamiseko- ke uya kuboleka kuwe. Ukuba akunjalo, unokufuna imboleko yemali engxamisekileyo yemali. Eli phepha lichaza iindlela eziliqela zokufumana imali xa inhlekelele ibetha.
Imali evela kwiBhanki
Ibhanki okanye imanyano yemboleko kufuneka ibe yinto yokuqala yokukhetha ukuba ufumana imali mboleko. Abanye ababolekisi banokuthi bathembisa ngokukhawuleza imali kunye nokufumana imvume elula, kodwa ezo zithembiso zivame ukuza ngeendleko (ngokuqhelekileyo amaxabiso amanqanaba aphezulu kunye nemigomo engalunganga).
Unokufumana iimali-mboleko zemali ezixakeka kwi-bhanki ngeendlela ezahlukeneyo:
- Intlawulo kwikhadi lakho lesikweletu
- Imali mboleko yekhaya
- Umgca wokulinganisa ikhaya
- Imboleko engaqinisekanga (okanye "umtsalane")
Xa ufaka isicelo semali-mboleko, ungakulibali ukujonga kwiimanyano zemboleko . Unokufumana ingqwalasela eyongezelelweyo kumntu wemali-mboleko , ngoko unokuba nethuba elingcono lokufumana imvume (kanti ibhanki enkulu iya kukhangela kuphela idatha evela kwisicelo sakho semboleko .
Ngaphambi kokuba ubolekise, cingisisa malunga naluphi na uhlobo lokubambisa oza kukubambisa ngemboleko. Ukufungisa i-asethi efana nekhaya lakho (ukuba usebenzisa i-loan equity loan okanye umgca wekhredithi ) kuthetha ukuba uthatha ingozi enkulu. Kodwa ibhanki inomngcipheko omncinci, ngoko ke unokufumana imali mboleko enkulu kunomyinge ophantsi. Qala ngokujonga kwiimali-mboleko ezizimeleyo , kunye nokubambisana nje kuphela ukuba ufuna .
Cinga ngolu hlobo: ukuba le ngxaki iphosakele kwaye awukwazi ukubuyisela imali mboleko, kwenzekani?
Ngokubeka ikhaya lakho kumgca, wenze ukuba kutholakale kubabolekisi bakho. Kungcono ukuboleka ngaphandle kokubeka impahla ebalulekileyo engozini (xa olo khetho lufumaneka).
Uncedo oluncinci kubahlobo bakho
Esikhundleni sokuya ematyaleni ngemboleko yemali engxamisekileyo, cinga ukuthetha kunye nenethiwekhi yakho yabahlobo kunye nosapho.
Ukuba uye wahlupheka ubunzima, banokukulungela ukunceda. Ngokuqinisekileyo, ungakhubeki ukuba awufumani nayiphi imali kubo - ukunika imali mboleko kungaba mngcipheko kunokuba banakho ukuthatha. Khumbula, banokuphelisa ngokukhawuleza kwabo nayiphi na imini.
Unokuboleka nakwabanye abantu abangaziwayo. Iontanga Zontanga Zokuboleka Iziza zixhuma wena nabantu (ngamanye amaziko amaziko) azimisele ukuboleka imali-kwiimeko ezininzi kwiimeko ezilungileyo kunokuba uzakufumana ebhankini.
Imali-mboleko ye-Payday - Imali eNgxowankulu yeMali eNgxamisekileyo
Ukuba awunayo inkokhelo eyaneleyo kunye neengeniso ukuze ufaneleke ukuboleka imali, ukuboleka kwendabuko akunakwenzeka. Njengokukhethwa kwindlela yokugqibela, ukuhlawulwa kwemali-mboleko kunokukunceda ukuba ufikelele kwixesha elinzima. Kodwa akunakwenzeka ukugqithisa oku: iimali-mboleko ze-payday ziyingozi, kwaye izinto ziyakwazi ukuphela ngokukhawuleza xa usebenzisa.
Ngokuqinisekileyo kufuneka uqaphele ngokusebenzisa iimali-mboleko ze-payday. Ingxaki ngabo kukuba mhlawumbi baya kwenza imeko yenu ibe nzima . Imboleko yemali yexesha eliphuthumayo ifana ne-band-aid - ayiyi kukuphilisa, kwaye iya kuphuma emva kwangoko okanye kamva. Ukongezelela, akuyi kukugcina ukuba ungabikho kwixesha elizayo. Khumbula ukuba iimali-mboleko zemihla yokuhlawula i-payday zihlawulwa ngokulula kwiikhulu leepesenti ze- APR
Ngamanye amazwi, ziyimali-mboleko ebiza kakhulu (kwaye ukuba awunayo ingeniso kunye nekhredithi ukuze ufanelekele umboleko wendabuko , uza kubuyiselwa njani umboleko wemali ehlawula imali)?
Imboleko mboleko zihlobo olufanayo lomboleko ophezulu. Unokufumana imali encinci, kodwa ubeka ingozi ekulahlekelweni kwempahla ebalulekileyo njengemoto yakho. Ukuba ulahlekelwa yimoto yakho, ngaba uya kulahla ukukwazi ukufikelela emsebenzini kwaye ufumane umvuzo?
Imali eNgxamisekileyo yeMali yeMali
Ekugqibeleni, kufuneka ube neengxowa-mali zexakeka . Ukuba awunayo namhlanje, yakha enye ngexesha elizayo. Emva koko, qwalasela izinto zakho. Ngaba unokuthengisa into ethile (okanye amaninzi amanqaku) ukugubungela iindleko zolu ngxamiseko? Oku kuya kuba yindlela engcono kakhulu kunokuthatha ityala. Cinga ngamathuba: unokuba neTV, i-auto, okanye umbhede onokuyithandayo.
Ungayithengisa into kwaye uphume ngaphandle kwimeko engxamisekileyo, okanye ungagqiba ukuhlawula ityala iminyaka emininzi (okanye ngaphezulu). Ukuba usebenzisa umboleko wemivuzo, ungase uchithe okungaphezulu kunokuba ubolekelwe kwindawo yokuqala (kwaye oko kungabi ngaphezu kweendleko zokuthenga iTV entsha).