Ixabiso elininzi kunye neNkxaso-mboleko-iindlela ezibuhlungu zokuphuma kwiiTyala
Ukuba usebenzisa uhlobo oluthile lwetyala lokubuyisela ityala elitshintshileyo malunga netyala kunokuba ulihlawule, ngoko uhamba ngendlela engafanelekanga. Awuyi kunciphisa ityala lakho. Kwezinye iimeko, ityala lakho liyakhula ngokwenene kunokunyuka.
Njengoko ucinga ngeendlela zokulahla ityala lakho umthwalo, zibuze, "Ngaba le nto isisombululo esheshayo, esilula ukundityalela okanye ngaba oko kuya kuthi, kanye kanye, ukuphela kwetyala?" Nazi ezinye iindlela ezona zibi kakhulu (nezona zibiza kakhulu) 'zokuhlawula' ityala lakho.
01 Ukuboleka kwi-401K yakho
Okokuqala, umqeshi wakho akanakukuvumela ukuba ube negalelo kuyo kuze kube yilapho uhlawula imali mboleko. Okwesibini, lakho lokuhlawula ekhaya liphantsi (kuba kufuneka uhlawule umboleko) kuze kuhlawulwe imali. Okwesithathu, ukuba ushiya umsebenzi wakho, kuya kufuneka uhlawule yonke imali ngokukhawuleza okanye uza kugqiba ngeemali zokurhoxisa kwangaphambili kunye nentlawulo yengeniso.
Xa kuziwa ekuhlawuleni ityala lakho, ukuboleka kwisikhwama sakho somhlala-phantsi kuyisicatshulwa esibi.
02 Ukuhlawula imali yakho
Ukuhlaziywa kwetyala lakho kwi-mortgage yakho yimbi enye ingcinga embi, ngakumbi ukuba ityala lakho lingaqinisekanga ukuqala. Ukubophelwa kwetyala elibi kumakhaya akho akulingani. Xa ungeke ukwazi ukuhlawula ityala lakho lekhadi lesikweletu, wagqiba ngexabiso elibi lekhredithi. Ukulondoloza ityala lakho kwikhaya kuthetha ukuba ulahlekelwe ngumzi wakho kwaye ufumane i-credit card rating xa ungeke wenze iintlawulo.
03 Ukuhlawula amatyala
Nangona zibonakala zikhuselekile kwiimeko ezixakekileyo, iinkampani zokuhlawula amatyala zihlala zenza imeko ibe yimbi. Ukuze isicwangciso sisebenze, kufuneka uyeke ukuhlawula abathengi bakho. Xa iintlawulo ziyekile, ifowuni ziqala kwaye njalo yenza iifizi zokugqibela kunye nokungena kweengxelo zentengo. Iintsuku ezingamashumi amathathu ngokukhawuleza, iintsuku ezingamashumi ayisithupha emva kwexesha. Kungekudala i-akhawunti yakho ihlawulwe kwaye umlinganiselo wakho wekhredithi uphathwe.
Ekugqibeleni, ababolekisi bakho abanakho ukuvumelana nesivumelwano esicetywayo yinkampani yakho. Khawucinge uhamba kuzo zonke izinto kwaye usenayo imali. (Qaphela: ukulungiswa kwamatyala okwezinye iinkqubo ezibucala kukuthi, isicwangciso esithile esiluhlukileyo.
Ukumisela amatyala akho yinkqubo ende. Nangona xa uphumelele, uza kuchitha iminyaka embalwa ezayo ukwakha amanqaku ekhredithi olahlekileyo.
04 Ukudibanisa nemboleko enkulu yemali
Ukuhlanganiswa kwamatyala kungasisombululo ukuba unokufumana mboleko ngemigangatho efanelekileyo. Ukuba umboleko kuphela onokuwufumana unomyinge ophezulu ophezulu kunomyinge wesikweletu sakho sekhadi lesikweletu, ushiye wodwa.
Iintlawulo zakho zenyanga zingabonakala ziphantsi kunye nokuhlawulwa kwetyala, kodwa oko kuphela ngenxa yokuba umboleko usasazeka ngexesha elide lokuhlawula. Ukuba ungeze umdla onokuwuhlawula ngobomi bembolekiso, uya kubona ukuba usebenzisa imali engaphezulu kunokuba awuzange udibene nalo mboleko.
05 Dlulisa iikhredithi zakho kwezinye iikhadi lamatyala
Ukutshintshela amabhalansi kumakhadi-mboleko kunye nalawo mazinga angeniswayo aphantsi ayenengqondo xa: unakho imali ngokwemali ukuhlawula imali phambi kokuba isantya sesingeniso siphele kwaye awuyi kusebenzisa ikhadi ukuthenga okanye ukukhupha imali. Ukuba awukwazi ukudlulisela ibhalansi phantsi kweemeko, akuyi kusebenza kuwe. Kwaye, libale malunga nokuvala ibhalansi yakho kwikhadi elitsha lekhredithi ngezinga elitsha le-teaser, imali yokudlulisela ibhalansi engenziwanga imali.