Kwiimali-mboleko, ngamanye amaxesha inzala iyongezwa kwimali-mboleko esekelwe kwimali yenzalo, inani lemboleko kunye nexesha lokubuyisela. Kule meko, inzala ikhiwe kwimali mboleko yakho.
Ekubeni iimali-mboleko zinomlinganiselo ohlawulelwayo wokuhlawula okubandakanya iintlawulo zenzalo, uyazi ngaphambili ukuba uza kuthatha ixesha elingakanani ukuhlawula ixesha elide (ngokude nje wenze iintlawulo zakho ngexesha, ewe).
Ngeemakhadi zetyala, inzala ngendlela yokuhlawulwa kwemali yongezwa kwibhalansi yakho nyanga zonke uze uhlawule ibhalansi ngaphandle kokuba uyihlawule ibhalansi ngokupheleleyo ngaphambi kokuba ixesha lobabalo liphelelwe. Ukuphakanyiswa kwezinga lakho lemali, ukuphakanyiswa kweendleko zakho zezemali kuza kuba. Xa uzama ukuhlawula ityala lakho, inzala ephezulu inokulimaza ngenxa yokuba ininzi yentlawulo yakho iya kwixabiso lezemali.
Umzekelo Wokulinganisa Umdla
Intlawulo yeemali kwi-20,000 yee-balance ye-10% i- APR iya kuba yi-$ 167. Xa wenza imali eyi-$ 400, malunga ne-233 yee-dollar iya ekunciphiseni ibhalansi yakho; Ezinye zisetyenziselwa umdla.
Ukuba loo mali ibhaliwe ngo-APR ka-20%, imali ehlawulwa ngemali yayiyi-$ 333. Ngentlawulo efanayo ye-$ 400, ibhalansi yakho iya kuhla i-$ 66!
Ekubeni i-balance yakho iyancipha nje ngokuncinane kwenyanga, kuya kuthatha ixesha elide ukuhlawula ityala lakho.
Kwimodeli yokuqala ye-20K kwi-10% yama-APR, kuya kuthatha iminyaka engaphantsi kwe-5 ½ ukuhlawula ityala lakho ukuba uhlala wenza i-$ 400 ngenyanga. Nangona kunjalo, ngo-20% we-APR, kuya kuthatha iminyaka engaphezulu kwe-9 ukuhlawula ngokupheleleyo imali kunye nokucinga ukuba inzala yakho ayikwenyuka, awuyi kwenza nayiphi na iindleko ezongezelelweyo okanye unayo iirhafu ezongeziweyo, kwaye uyaqhubeka ukwenza intlawulo nganye ngenyanga ngenyanga.
Unomdla okwenene Uyakuhlawula ngokukhawuleza
Kwimzekelo yokuqala, uya kuhlawula i-$ 5,980 inzala ngexesha lokuhlawula imali. Kwimizekelo yesibini, kwi-20% yentlawulo yemali, uza kuhlawula ngakumbi kakhulu - i-$ 23,360!
Indlela yodwa yokugcina imali kumdla kukunyusa kakhulu inkokhelo yakho yenyanga-ukuya kwi-820 yeenyanga ngenyanga okanye ukufumana umthengisi wekhadi lakho lesikweletu ukuze unciphise inzala yakho. Icala eliqaqambileyo yentlawulo yenyuka kukuba unokuhlawulela ibhalansi engaphantsi kweminyaka emithathu kunye nentlawulo leyo, nangona inzala ephezulu.
Ukufumana Umyinge weNzala
Ukukholisa abachithisi bakho bekhadi lokuthenga ikhredithi ukwenzela ukunciphisa izinga lakho lomdla akusoloko kulula, ngakumbi ukuba awunayo imbali yesikweletu ukuba ufanele ukufumana inzala engaphantsi kwenye indawo. Kodwa kukho ezinye iindaba ezilungileyo: ukuba inzala yakho yenzalo ngenxa yokuba unemihla engama-60 emva kokuhlawulwa kwekhadi lesikweletu, umniki wekhadi lokuthenga ngetyala kufuneka anciphise isantya sakho emva kweenyanga ezintandathu ezilandelelanayo. Nangona ungaphantsi kwethemba malunga nokufumana inzala yakho yenzalo, kuyakufaneleka ukuzama. Yaye ukuba umniki wakho wekhadi lokuthenga ngetyala uyakuguqula ngeli xesha, zama kwakhona malunga neenyanga ezintandathu.