Akunakuxhamla njengokuba iGama licebisa
Imali mboleko yemveli (njengemali-mboleko yeminyaka engama-30 kunye nemali-mboleko yeminyaka emi-5) iyimali- mboleko yemali. Ngaloo mboleko, uhlawula phantsi imali yokuboleka imali ngokuthe gqolo kwithuba lonke le mboleko; Uninzi lwemali mboleko luhlawulwa kwiminyaka kamva, ngelixa iindleko zakho zentlalo ziphezulu kakhulu kwiminyaka yokuqala (unokuba uhlawule ngakumbi umyinge kunokuba uhlawula kumlinganiselo ngamnye ngenyanga). Ngetyala lesibhaluni, ngakolunye uhlangothi, uya kuhlala uhlawula umdla kwiminyaka embalwa, kwaye uya kuqhuba ngokukhawuleza kwaye wenze inkokhelo enkulu ukuze ususe imali ebhalisiweyo.
Isixa sexesha ngaphambi kokuba ibhaluni yakho iguquke, kodwa iminyaka emi-5 ukuya kweyesi-7 lixesha eliqhelekileyo.
Yintoni eyenzekayo xa i-Balloon iyadingeka?
Ukuba ucinga ngemali mboleko yebhaluni, kubalulekile ukucwangcisa usuku xa ukuhlawula ibhaluni yakho kubangelwe. Yenza oku phambi kokuba wenze isicelo sembolekiso, kwaye ugcine engqondweni ukuba izinto azihlali zihleli njengoko zicwangcisiweyo.
Kwiimeko ezininzi, ababolekayo bathatha enye yezenzo ezingezansi:
Ukuhlaziya: xa ukuhlawula ibhaluni kubangelwe, enye inketho kukuhlawula ngokufumana enye mboleko. Ngamanye amagama, uhlaziya. Emva koko uza kuqala umboleko omtsha wentengiso ngexesha elide lokuhlawulwa (mhlawumbi omnye iminyaka emi-5 ukuya kweyesi-7, okanye unokuhlaziya umboleko wesikolo kwimali-mboleko yeminyaka eyi-15 okanye engama-30).
Ukukrazula le nto, kuya kufuneka ukwazi ukufumana imboleko emtsha-ukuze i- credit yakho, imali engenayo kunye ne-asethi imele ifanelekile xa ukuhlawula ibhaluni yakho kubangelwe.
Ukuba uhlaziya kwaye ulula imali mboleko, khumbula ukuba uya kugqiba ukuhlawula ngaphezulu inzala kuba uboleka ixesha elide. Ngethemba ukuba inzala yenzalo iya kuba yinto efanayo xa uqala ukuboleka (okanye ngaphantsi) xa uhlaziya; ukuba kungenjalo, bekuya kuba ngcono ukusebenzisa imboleko yemveli.
Thengisa i-asethi: enye inketho yokujongana nentlawulo yebhalon kukuthengisa yonke into oyithenge ngayo ngemboleko. Ukuba uthenge ikhaya okanye ngemoto, ungayithengisa kwaye usebenzise le ntlawulo ukuhlawula ngokupheleleyo. Kakade, oku kucinga ukuba i-asethi ibonelela ngokwaneleyo ukufihla ibhalansi yemboleko; kwiimeko zezindlu kunye neengxaki zemboleko, abanye ababolekayo bafumanisa ukuba amakhaya abo ayelungelelanise kakhulu kunokuba ayenetyala.
Yihlawule: ukuba ukuhamba kwemali kungeyinkinga, unokukhawuleza ukuhlawula umboleko xa kuza. Oku kunqabile ukuba yindlela efanelekileyo-yoko kutheni uboleke kwindawo yokuqala - kunye neentlawulo zebhaluni zingaba ngamashumi amawaka eedola (okanye ngaphezulu). Nangona kunjalo, kunokukho imeko apho uqinisekile ukuba uya kuba nemali oyifunayo.
Kwakhona, kukuhle ukucwangcisa ikusasa, kodwa kufuneka ube nesicwangciso sokulondoloza kwimeko xa izinto zingasebenzi ngendlela okulindele ngayo. Khawuqwalasele oko kusemgangathweni ukuba kufuneka uthengise ngaphantsi kunokuba unetyala: i-credit yakho iya kuba neengxaki, kwaye kufuneka uhlawule imali-mboleko yokuba awuzukuxhamla kuyo ukuba iyimali-mboleko .
Ziziphi ii-Balloon Loans ezisetyenzisiweyo?
Unokufikelela kwiimali-mboleko zebhaluni kwiimeko ezahlukeneyo, kuquka:
Uxhasomali lwezorhwebo: ngamanye amaxesha iimali-mboleko zebhaluni zisetyenziselwa ukuthenga okanye ukuxhaswa kwamashishini. Ngokukodwa amashishini amatsha, imali ayifumanekanga, kwaye ishishini alinayo nayiphi na imbali yemboleko (yingako kubalulekile ukwakha inkokhelo kwishishini lakho ). Abathengisi okanye ababolekisi banokunikela ngemboleko elula ukujongana nayo, kwaye inika umnikazi webhizinisi ithuba lokuba abonise ukuba uza kwenza iintlawulo njengoko kuvunyelwene ngazo: iintlawulo zingabalwa njengokuthi umboleko uya kuhlawulwa ngaphezu kweminyaka eyi-10 (ngoko ke intlawulo yenyanga yinto encinci), kodwa ukuhlawula ibhaluni kubangelwe emva kweminyaka emithathu.
Emva kweminyaka emithathu yeentlawulo ezifike ngexesha, umthengi kufuneka abe nexesha elilula ukufumana imvume evela kwibhankini.
Ukuthengwa kwasekhaya : iimali-mboleko zebhaluni zingasetyenziselwa ukuthenga ikhaya. Kwezinye iimeko, inkokhelo ibalwa ngokungenayo imali yokubolekwa kweminyaka engama-30 (kunye nenxalenye yemali-mboleko yemali ehlawulwayo), kodwa inkokhelo yokubhalo ibangelwa emva kweminyaka emi-5 okanye i-7. Kwezinye iimeko, abolekayo bahlawula umdla kuphela kwaze kwaba yilapho ibhaso lokubhadela ibangelwe. Le ndlela ingenza iintlawulo zenyanga zifikeleleke kakhulu, kodwa inengozi: uza kuba nemali eninzi ngelinye ilanga, uze ulahlekelwe yindlu yakho kwaye uchithe ikhredithi yakho ukuba awukwazi ukuza nemali.
Ukubolekisa ngemali-mboleko: unokufumana iimali-mboleko zemali ezibandakanya iintlawulo zebhaluni, kwaye ingcamango (njengaye nayiphi na enye imali mboleko) kukufumana intlawulo ephantsi yenyanga. Ngemoto, iimali-mboleko zebhaluni zingozi kakhulu kuba iimoto zinciphisa i-asethi- zilahlekelwa xabiso ngaphezu kwexesha ("ngokukhawuleza ukuba uqhube i-lottery deal" njengoko besithi). Ngoko, kwiminyaka emi-5 ushiywe ngemoto enokubaluleka kakhulu kunokuba uyihlawule, kwaye kufuneka uhlawule uninzi lwento obolekelweyo. Unokuzama ukuthengisa imoto, kodwa unako ukufumana okwaneleyo ukufihla imali-mboleko - ngoko kuya kufuneka ubhale isheke (akulula ngaso sonke isikhathi ukuthengisa imoto onayo imali ). Enye indlela yokulungisa kunye nokwelula imali mboleko ngaphandle kweminyaka embalwa, ukushiya uhlawule ; ngokuqinisekileyo uza kuhlawulwa ngaphezu kweemoto ezifanelekileyo kwimeko.