Iindlela ezimbalwa ezilungileyo, ezimbi, neendlela ezimbi zokuhlanganiswa kwamatyala
Xa unokulinganisela kumakhadi athile eemali-mboleko, ukuhlawula kungabangela inkqubo ende, inzima. Kunzima ukwenza inkqubela phambili ukuhlawula ityala lakho xa kufuneka uhlukanise iintlawulo zakho phakathi kokuthi, iingxelo eziyisixhenxe ezahlukeneyo. Ngaba bekungeke kube lula ukuhlawula ibhilikhi enye kwaye unakekele yonke ityala lakho lekhadi lesikweletu? Unokuhlanganisela ityala ngokudibanisa iintlawulo zakho zeetyala kwaye uhlawule ityala lakho ngokukhawuleza.
Kukho iindlela ezininzi ezahlukeneyo onokuzihlanganisa ngetyala ngokwakho ngaphandle kokuhlawula inkampani yokuhlanganiswa kwetyala.
I-Credit Card Balance Transfer
Ungasebenzisa ukuhanjiswa kwezinga lokuhlawula kwexabiso eliphantsi ukuhambisa izilinganiso zakho kwikhadi lekredithi enye. Okokuba ukuba ikhadi lakho lesikweletu linomlinganiselo omkhulu wesikweletu.
Umda wesikweletu ophantsi awunakukumisa ukuba wenze ukuhanjiswa kwemali. Ungadlulisela omnye okanye ezimbini kwizinga lokulinganisela kwekhadi lakho lokuthenga ngetyala lokunciphisa ezinye iintlungu zetyala. Ngaphambi kokuba udibanise ityala ngokudluliselwa kwemali, qiniseka ukuba uya kusindisa imali ngokudluliselwa. Akukufanelekanga ukuhlanganiswa kwetyala kwaye kugqibe ukuhlawula ngaphezulu.
Imali yeNgxowa-mali ye-Equity okanye iNkcazo ye-Equity Bank
Unako ukuboleka ngokulingana kwindlu yakho usebenzisa umboleko wemali yokulingana ekhaya okanye umgca wokulingana neentengo zemali kunye nokusetyenziswa kwemboleko ukuhlawula ityala lakho lekhadi lesikweletu.
Imboleko yemali yokulingana ekhaya yile akhawunti ephelile ehlawulwa ngexesha elide.
Umgca wokulinganisa ikhaya le-credit kuyinto akhawunti evulekile efana nekhadi lesikweletu onokuyiboleka kunye nokubuyiselwa.
Imali-mboleko yokulingana kwamakhaya kunye nemigqaliselo yeebhanki zihlala zinexabiso elincinane kwinzala kunye nemingcele ephezulu yokuboleka kunezinye iintlobo zemboleko. Nangona kunjalo, kukho impendulo. Ukhusela ityala lakho kwikhadi lekhredithi ngokulingana kwindlu yakho.
Ukuba uthe wawa emva kweentlawulo zakho, ubhekene nokuchithwa kwempahla, okubi kakhulu kunokuba ungagqibekanga kwiintlawulo zekhadi lakho lesikweletu.
Imali yokuXhaswa kweMatyala
Ukubolekwa kwemali mboleko kusetyenziselwa kuphela ukudibanisa onke amatyala akho. Ezi mboleko zingeniswa ngamabhanki amakhulu okanye kwiinkampani ezihlanganisiweyo zetyala lokungena inzuzo. Qaphela ukuba usebenzisa iinkampani zokudibanisa amatyala ukuqinisa ityala. Ezi mboleko zihlala ziquka iimali ezongezelelweyo, ukwenza iindleko zemboleko ziphezulu kakhulu. Gwema ukuboleka imali kwenye yale nkampani. Endaweni yoko, funa umboleko ophantsi we-interest rate kwi-bhanki yakho okanye umanyano wekhredithi ngemigqaliselo engcono kwaye uqinisekise ukuba awukrokrele.
Ukuboleka Inqubomgomo Yomshuwalense Wobomi
Akuyona indlela enqwenelekayo yokuhlanganiswa kwetyala, ngokude, kodwa ukuba kufuneka ukhethe phakathi kwe-inshorensi yomhlala-mboleko okanye u- bankruptcy , ukuboleka kwinshurensi yakho kungcono kakhulu. Unako ukuboleka ngokuya kwixabiso lemali-mboleko yakho kwaye usebenzise le ntlawulo ukuqinisa i-matyala. Inkampani yakho ye-inshorensi ayiyi kufuna ukuba wenze iintlawulo ngexesha nje umbolekisi ungaphantsi kwexabiso lemali lomgaqo-nkqubo, kodwa yinto efanelekileyo yokwenza iintlawulo. Ukuba awuyibuyisanga imali mboleko, ke inzuzo yokufa iya kusetyenziselwa ukumboza oko ubolekileyo kunye nabasindileyo abanakufumana nantoni na.
Borrow From Retirement
Le yinye indlela yokugqibela yokusebenzisa indlela ongayisebenzisa ukuqinisa ityala. Iiplani ezininzi zomhlalaphantsi zivumela ukuba uboleke kubo, kodwa kukho ezinye iingxaki zokudibanisa kunye ne-401k mboleko. Ukuqala, umboleko kufuneka uhlawulelwe kwiminyaka emihlanu okanye kuya kuthathwa njengokukhishwa kwangaphambili kwaye kuya kuxhomekeka kwisigwebo kunye nerhafu yengeniso. Akunjalo kuphela, ukuba ushiya umsebenzi wakho umboleko uza kuhlawulwa zingakapheli iintsuku ezingama-60 okanye uzakujongana nezohlwayo zokuthoma. Cinga ixesha elide nobunzima ngaphambi kokuba ubole umhlalaphantsi kwaye wenze oko kuphela xa enye inketho ihoxa kumhlalaphantsi.
Imiba yokuThuthukisa amatyala
Zonke ezi zikhethi azinakulungele, ngakumbi i-inshorensi yomshuwalense kunye neengxowa-mboleko zemali yomhlalaphantsi, kodwa kufuneka wazi ukuba zikhoyo. Ngaphambi kokuba udibanise ityala, libala zonke iinketho ezikhoyo kuwe.
Ukuqonda ingozi ehambelana nendlela yokuhlanganiswa kwetyala lakho. Ekugqibeleni, qinisekisa ukuba ubuyisele imali mboleko oyithathayo ukuze udibanise ityala.
Xa udibanisa amatyala, awuyikuhlawula ngokwenene. Kunoko, uhamba nje ngeendlela ezenza kube lula ukuhlawula. Ukuxoxwa kwetyala kungabiza imali eninzi, kuthathe ixesha elingakumbi, okanye ubeke ikamva lakho engozini.