Njengoko mhlawumbi sele usuvele uqalile, ityala lidlala inxalenye enkulu ebomini bakho. Ayinakuchaphazela kuphela amandla akho okusebenzisa imali, inokuchaphazela ngqo kumanqaku akho okwekhredithi kunye nefuthe elichanekileyo ekukwazi ukuboleka imali okanye ukuhlawula umlinganiselo we-inshurensi ephantsi.
Uthintela njani amatyala kuMawulo wakho weNgxowa-mali
Isixa sematyala unayo yenye yeyona nto ibaluleke kakhulu ekungeneni kumanqaku akho ekhredithi; lakho nqanaba letyala li-30% yemanqaku akho ekhredithi.
I- credit score score calculation ibonisa ukusetyenziswa kwekhredithi yakho - umlinganiselo phakathi kokulinganisela kwekhadi lakho lesikweletu kunye nomda wakho wekhredithi - nganye kwikhadi lakho lesikweletu kunye nokusetyenziswa kwakho kwetyala jikelele. Ukuphakanyiswa kwamanani akho ekhadethi yamatyala kuhambelana nomda wakho wemali-mboleko, oko kukubangela ubuhlungu bakho amanqaku ekhredithi. Ukulinganisela kwekhadi lokuxhaswa kwamanani kunye nokugqithiseleyo kunabo bonke.
Amanqaku akho ekhredithi aqwalasela nendlela ukulingana kwemali-mboleko yakho kufikelele ngayo kwisixa-mali sokuqala. Ukuhlawula izilinganiso zakho zemali mboleko kungcono kumanqaku akho.
Ukuthwala amatyala amaninzi, ngokukodwa ityala lekhadi lekhredithi eliphezulu lilimaza amanqaku akho kunye nekhono lakho lokufumana amakhadi amatyala kunye namatyala. Nangona umlinganiselo wakho weetyala unomvuzo, ukuba ityala lakho lilimaza amanqaku akho okwekhredithi, usenakuphikiswa. (Qaphela ukuba ingeniso yakho ayiyona nto kumlinganiselo wakho wekhredithi.)
Ngaba Unako Ukuphatha Iingxowa Zakho?
Indlela ojongana ngayo namatyala ayenempembelelo kumanqaku akho.
Ukuhlawula izilinganisi zakho ngokukhawuleza kunceda ukuphakamisa amanqaku akho ekwereti ngenxa yokuba unciphisa ukusetyenziswa kwetyala lakho. Ukuba ityala lakho likhulu kakhulu ukujongana, i-credit score you can suffer. Umzekelo, ukuba uphoswa iintlawulo ngenxa yokuba awukwazi ukuhlawula ityala lakho, uya kulahlekelwa ngamaphuzu ekhredithi.
Ukukhetha ukuhlawulwa kwetyala okanye ukuchithwa kwebhanki ekujonganeni netyala lakho kuya kubangela ukuba umonakalo owenziwe ngamatyala athatha inyanga eziliqela, nokuba iminyaka, ukuba abuyele kuyo.
Ukunika iingcebiso ngeentengo kunye nokuhlanganiswa kwetyala akuchaphazeli ngqo amanqaku akho. Kodwa, ukuhlanganiswa kwetyala kunokuba nefuthe elibi kumanqaku akho. Unokuhlawulwa ngenxa yokuvula i-akhawunti entsha, isenzo esinciphisa iminyaka yobudala besikweletu. Ubudala bekhredithi ngu-15% wemali yakho yemali. (Nangona ezinye izixazululo zetyala zinokulimaza amanqaku akho okwekhredithi, zisenokuba zifanelekile ukucubungula.) Unokwakha kwakhona amanqaku akho ekhredithi ngexesha elide, kwaye ukungahlawulwanga ngetyala kuya kusilungele impilo yakho yonke yemali.)
Ingaba ityala liyakunceda amanqaku akho kwiNgxowa-mali?
Enye yeengcamango malunga nokukwakha amanqaku ekhredithi kukuba kufuneka uphathe ibhalansi yekhadi lesikweletu ukuze ukhulise amanqaku akho . Akunjalo. Njengoko ufunda ngasentla, ukuthwala ibhalansi yekhadi lesikweletu ephakamileyo kakhulu kunenzakalo kumanqaku akho. Ungasebenzisa ikhadi lokuthenga ngetyala, uhlawule ibhalansi ngokupheleleyo inyanga nganye, kwaye wakhe umgangatho omhle wekhredithi ngaphandle kokufumana ityala.
Ipesenti ezilishumi zamanqaku akho ekwereta zijonga iintlobo zeeakhawunti onayo. Ukuba namava kunye neentlobo ezahlukeneyo zeakhawunti-amakhadi-mboleko kunye nemali-mboleko-kunceda ukwandisa amanqaku akho. Ngoko ke, ukuba awuzange ube ne-mortgage, umlinganiselo wakho wekhredithi unokunyuka ukuba i-mortgage yongezwa kwingxelo yakho yekhredithi. Kodwa, akukaze kube yinto efanelekileyo yokuthatha imali-mboleko ukuze ukhulise amanqaku akho.
Inokutsha. Vumela amanqaku okuthenga ngetyala akhokhe ngokwemvelo ngokuboleka kuphela imali oyifunayo.