Ngaphambi kokuba Usebenzise iMali yeMali eNgqongqo
Imboleko yemali enzima ayisoloko ikhethileyo. Ngelixa libonakala lilula - i-asethi igcina imali-mboleko ukuze wonke umntu ephephile-imali enzima yinto enye kuphela. Kubiza, ngoko izinto kufuneka zisebenze ngokucwangcisa isicwangciso sokufumana inzuzo. Imboleko yemali enzima ihlukile kuneemali-mboleko onokuzisebenzisa ngaphambili. Ababoleki basebenzise iindlela ezininzi zokulondoloza impahla ngaphandle kokulindela.
Iindleko zeMali eziMali ezinzima
Imali-mboleko yemali enzima iyabiza.
Ziye zenzelwe ukuba zisesigxina, kwaye inzala yenzalo kwimboleko yemali enzima yenza inkuthazo yokuhamba ngokukhawuleza.
Okokuqala, izinga lentengo ngokubanzi liphezulu kumboleko wemali enzima. Akufanele umangaliswe ukuhlawula ngaphezu kwe-10% i-APR, kwaye unakho ukuhlawula ngokukhawuleza amaxesha amaninzi. Imboleko yemali enzima kufuneka isetyenziswe ukukunceda ngexeshana, kungekhona njengento oza kuqhubeka ngonaphakade.
Akunakunakho ukhetho lokugcina imali ebolekileyo yemali ehamba ixesha elide. Uninzi lwemali mboleko ludinga ukuba ubuyisele ngokupheleleyo kwiminyaka ukuya kweyesihlanu, ngoko kufuneka ucebe phambili. Ezi mboleko zihlala zisetyenziselwa iiprojekthi zokunyusa izindlu ngokuchasene nokuthengwa kwekhaya oza kuhlala kulo.
Ukongeza kwimivuzo emininzi ephezulu, uya kudla ukuhlawula amanqaku amaninzi ukuze uthole imali ebolekileyo yemali mboleko. Amanqaku amahlanu okanye ngaphezulu aya kuba neengqiqo, kodwa uya kufuneka isizathu esilungileyo sokuhlawula imali eninzi kwezinye iimali-mboleko. Kwakhona, imali ebolekileyo yemali mboleko yesikweletu esilufutshane, ngoko uya kuguqula loo ngongoma ngexesha elifutshane.
Baqhuba iindleko zakho zokuboleka.
INgxowa-mboleko yeNgxowa-mali yeMali enzima
Akunakufunwa ngetyala lekhredithi okanye nayiphi na i-credit ukuze ufumane imboleko yemali enzima. Nangona kunjalo, abaninzi ababolekayo baya kutsala i-credit yakho kwaye bafune iiflegi ezibomvu. Ewe, banokuthengisa i-asethi baze bafumane imali yabo, kodwa bengafani ukwenza oko.
Ukuba unetyala elibi, awuvumelekanga ukuboleka imali yemali-mboleko nokuba yinto ekhuselekileyo yokubheja kumboleki.
Inkcitho ephantsi ukuya kwiiRatios zexabiso
Ngaloo mboleko, i-asethi, njengepropathi oyithengayo, isebenza njengesiqinisekiso sokufumana umboleko. Uya kufuneka usayine amaxwebhu avumela umboleki wakho ukuba afake ikhonkco kwipropati.
Imboleko yokuxabisa ii-ratios ngokuqhelekileyo iyalondolozwa kakhulu ngemboleko yemali enzima. Nangona kukho izimangalo malunga 'ncinane okanye akukho mali phantsi', uya kufuna iimpahla ukuze ufanelekele umboleko wemali enzima. Kungenzeka ukuba uthembise iintlobo ezahlukeneyo zeempahla ukuze ufaneleke-njengezinto eziphathekayo okanye ezinye iipropati-kodwa ufuna ukulingana okwaneleyo kulezo zixhobo.
Njengomgaqo jikelele wesohlwayo, lindela umboleko ukuxabisa ama-ratios phakathi kwama-50% no-70%. Ababoleki bafuna isiqinisekiso esongezelelweyo sokuba baya kubuyisa imali yabo ngokuthengisa impahla.