Ngaba Ufanele Uthabathe Umvuzo Okhuselekile?
Naliphi na ixesha uboleka imali ebhankini, okanye nangomntu ngamnye, uthabatha imali mboleko. Umboleki-mali angakuvumela ukuba ubole imali ngesithembiso sakho sokuyibuyisela. Okanye, umboleki angadinga ukuba usebenzise i-asethi njengokhuseleko lomboleko. Ukwahlula okubalulekileyo kukumahluko phakathi kwemali mboleko ekhuselekile.
Ziziphi iiMali eziKhuselekileyo?
Imali-mboleko ekhuselekile iboleke imali exhaswa yi-asethi, njengendlu kwimeko yemboleko mboleko okanye imoto ene mboleko yemoto.
Le asethi iyimboleko yemboleko. Xa uvumelana nemboleko, uyavuma ukuba umnini-mboleko unakho ukubuyisela kwakhona imali yokubambisa ukuba awubuyiseli imali mboleko njengoko kuvunyelwene ngayo.
Nangona ababolekisi bephinda bahlaziye ipropati yeemali-mboleko ezikhuselekile, ungagqiba ukuhlawula imali ngemboleko xa ungagqibekanga. Xa ababolekisi bephinda bathathe impahla, bayayithengisa kwaye basebenzise imali yokuhlawula imali. Ukuba loo propati ayithengisi ngemali eyaneleyo yokubambisa ngokupheleleyo umbolekiso, uya kuba noxanduva lokuhlawula umlinganiselo.
Ziziphi Iingxowa-mali ezingakhuselekanga?
Eyona nto ayinyaniyo kwimboleko engakhuselekanga. Imboleko engakhuselekanga ayibophelelwe nayiphi na impahla yakho kwaye umnini-mboleko akakwazi ukuzithatha ngokuzenzekelayo impahla yakho njengentlawulo yemboleko. Ukubolekwa kwemali mboleko kunye nemali mboleko yomfundi yimizekelo yemali mboleko engakhuselekanga ngenxa yokuba ezi zibophelelwe nayiphi na impahla leyo umboleki angayithatha xa ungekho phantsi kweentlawulo zakho zemboleko.
Ngokuqhelekileyo kufuneka ukuba ube nembali efanelekileyo yemboleko kunye neengeniso eziqinileyo ukuba zivunywe ngenkokhelo engakhuselekanga.
Imali yokubolekisa inokuba yincinci ukususela ekubeni umboleki-mali akanalo nantoni yokubamba ukuba ungekho phantsi kweentlawulo.
Ingxelo yokuTyala ngeeMali eziKhuselekileyo nezingaphephile
Ababolekisi banako (kwaye benze) bhengeze imbali yentlawulo yezo zombini iintlobo zemboleko zemali-mboleko. Ukuhlawulwa kwexesha elide kunye nokungafani kunye neentlobo zemali-mboleko zingabhaniswa kwingxelo yakho yekhredithi.
Ngeemali-mboleko ezikhuselekileyo, umboleki-mali angasebenzisa ukuchithwa kwempahla okanye ukuhlaziya ukuthabatha impahla ebolekiswe mboleko. Oku kunokubangela ukungena okungekho okungeziwe okungeziwe kwingxelo yakho yekhredithi.
Kutheni Ukhetha Umvuzo Okhuselekile?
Ngoomngcipheko wokuba uthathe impahla yakho ukuba ungayibhawuli mboleko, unokuzibuza ukuba kutheni umntu ekhetha imali ebolekileyo. Abantu ngamanye amaxesha bakhetha iimali-mboleko ezikhuselweyo ngenxa yokuba imbali yabo yekhredithi ayiyi kubavumela ukuba bafumane imvume yokuboleka imali engakhuselekanga. Ngenxa yokuba iimali-mboleko ezikhuselekile zixhaswa yimpahla, ababoleki banomngcipheko omncinci wokwandisa imali mboleko kuwe.
Iimali-mboleko ezikhuselekileyo nazo zivumela ababoleki ukuba bafumane imvume yokumisela imingcele ephezulu. Nangona unako ukufumana imboleko enkulu, kufuneka uqaphele ukuba ukhethe umboleko onokuwufumana. Xa ukhetha iimali-mboleko ezikhuselekile, qiniseka ukuba ubeka ingqalelo kwinqanaba lomdla, ixesha lokubuyisela, kunye nemali yokuhlawula yenyanga.
Ngeemali-mboleko - umboleko okanye umbolekiso wemoto - umboleki-mali akayi kuvuma isicelo sakho ngaphandle kokuba banemvume yokuba bathathe ipropati ukuba ungekho. Ezinye iingxowa-mboleko zigcinwe ngoyilo - oku kuquka iimboleko zemali kunye neengxowa-mboleko zepowuni.