Iingcamango zokusilela

Yisiphi Isigwebo sokusilela?

Ukungabikho kwesigwebo ngumyalelo wezomthetho wokuhlawula ibhalansi eseleyo emva kokuvalwa okanye ukuhlaziywa. Xa umnini-mali ethatha ipropati yakho kwaye uyithengisa, intengo yokuthengisa isetyenziselwa ukuhlawula ityala lakho (kunye nemali eyongezelelweyo). Ukuba ipropathi ayithengisi ngokwaneleyo ukuba inelise ityala, inani elisaba nelibi libizwa ngokuba yintsilelo. Ukwehluleka kwezahlulelo ezivela enkundleni kukukwenza ukuba ube ngumntu onoxanduva lokungabikho kwemali kwaye uvumele ababolekisi kunye nabaqokeleli beetyala ukuba bakulandele.

Ukwahlula koMgwebo

Xa ungekho phantsi kwemboleko kwaye umboleki- mboleko uphinde abuyele ipropati yakho, ukubaluleka kwepropathi akunakho ukuhlawula umboleko.

Umzekelo: uhlawulwa i-$ 200,000 kwikhaya lakho, kodwa awukwazi ukwenza kwakhona iintlawulo zemboleko. Umboleki wakho uhamba phambili ekhaya, kwaye ipropathi ithengisa i-$ 180,000. Uneminyaka engama-20,000 engamafutshane ukuhlawula imali engu-200,000 yemali mboleko, ngoko unako ukulahleka kwe-$ 20,000.

Ukungabikho kokugwetywa kuya kuvumela umnini-mboleko wakho ukuba akulandele i-$ 20,000 ekhoyo. Umboleki-mali unokukwazi ukudibanisa kwiindleko zomthetho kunye nokuqhawula kwi-bill.

Yintoni enokuyenza?

Ukuba umboleki wakho uyaphumelela ngokuphumelela isigwebo esichasene nawe, wena uxanduva lwakho ngokulinganisa isigwebo: unyanzelekile ngokomthetho ukuhlawula umboleki wakho. Ukuba awuyi kuhlawula, umboleki wakho unokuzama ukuqokelela usebenzisa ezinye iindlela.

Kwiimeko ezininzi, umnini-mboleko wakho akayi kwenza nantoni na. Kungenzeka ukuba i-akhawunti yakho iya kuguqulwa kwenkampani yokuqokelela, kwaye umqokeleli wetyala uya kulandela ityala.

Abaqokeleli-matyala bangazama iindlela ezininzi:

• Ukuhlawula umvuzo wakho - ukuthatha inxalenye yakho yokuhlawula kude uhlawule ityala
• Ukuhlawula i-akhawunti yakho- ukuthatha imali kwi-akhawunti yakho yebhanki ukunciphisa ityala
• Ukubeka izibambiso kwenye ipropati - ukuthatha inzala yomthetho kwizinto ozithandayo (nangona ikhaya lakho, imoto, kunye nezinye izinto ezibalulekileyo zikhuselwa rhoqo)

Iingxelo zeRhafu zomhlalaphantsi azikho engozini ekugwetyweni kwesigwebo, kodwa kufuneka uhlole ummeli wendawo ukuba usengozini.

Ingaba kukho ukusilela koMgwebo?

Ukuba umboleki wakho uvumelekile ukuba aqhubeke nokugwetyelwa kwesigwebo, akukho ndlela yokukwazi ukuba ngaba abayiyo. Kwiimeko ezininzi, akufanelekanga inkathazo kubaboleki kunye nee-arhente zokuqokelela.

Isenzo somthetho siyabiza kwaye siyidla ixesha. Ababoleki abasanda kubandezeleka ukukhutshwa okanye ukuphindaphinda kaninzi abanalo impahla okanye ingeniso efumanekayo yokuhlawula ibhalansi. Ukuba unayo izixhobo, awuyi kuphinda ukhohlwe iintlawulo zakho kwindawo yokuqala.

Kwezinye iimeko, ukugwetywa kwesigqibo akuyona inketho. Imithetho kaRhulumente ichaza ukuba ngaba ngababolekisi bangakwazi ukulandela izigwebo ezingabikho emva kokungena. Ukuba imali-mboleko iyimali-mboleko engekho-mboleko, ukungabikho kwemvume ayikho kumbuzo. Ngokomzekelo, kwezinye iindawo, umboleko osetyenziswayo ukuthenga indawo yokuhlala eyona nto ingumvuzo-mboleko (kodwa ukuba uthatha i-mortgage yesibini , loo mboleko ingaba ngumboleko wemali). Ukufumana ulwazi oluthe xaxa malunga nemboleko mboleko kunye nemithetho yomntu ngamnye, jonga indlela Ukufumana Imali-mboleko kunye neNgxowa-mali engekhoyo yokuSebenza .

Ukujongana Nokusilela Kwemgwebo?

Ukuba umntu uzama ukuqokelela ngokusilela, thetha kwigqwetha elilayisenisiweyo kwimeko yakho kwaye ujwayelene nokuqokelela kwetyala.

Le nyathelo lomthetho, kwaye ufuna uncedo lomthetho.

Kungenzeka ukulwa nemizamo yokuqokelela okanye ukunciphisa ukuba ingaqokelelwa kangakanani, kodwa uya kufuna ummeli onempilo ukuba ahlaziye ityala lakho. Ukutshatyalaliswa kunokubanokukhetha ukutshatyalaliswa kwamatyala endala, kodwa kuya kuba nemiphumo emibi (kuquka ukulimala kwikhredithi yakho ).