Xa uboleka imali, uhlawula umboleko ngokuhlawula umdla. Kukho ezinye iimali ezihlawulwayo, kodwa umdla ngokuqhelekileyo ngumqhubi oyintloko wendlela ebiza ngayo imali mboleko: amazinga aphezulu athetha iindleko eziphezulu. Yingakho kubalulekile ukuqonda indlela izinga lakho lisebenza ngayo, kwaye ukuba izinga lakho lingatshintsha.
Ziziphi iiRhafu eziHlahlayo?
Imali ingenayo inzala eguquguqukayo enokutshintshwa ngokuhamba kwexesha, okanye iirhafu ezizinzileyo. Ngomlinganiselo ochanekileyo, uya kuhlawula inqanaba elifanayo (elingatshintshi) inzala kwimpilo yakho mboleko. Oku kubalulekile kuba izinga lesenzalo lichaphazela ukuba inkokhelo yakho yenyanga iya kuba yintoni: ukuba izinga lenyuka, iintlawulo zakho ezifunekayo nyanga zonke zinokunyuka - kwaye unganakho ukufumana loo ntlawulo ephezulu.
Ngaphezu koko, inzala yemali ephakanyayo iya kuphakamisa intlawulo nayiphi na into oyithenge ngemali eboleweyo. Uza kuchitha ngaphezulu kwenzalo , kodwa awuyi kufumana nayiphi na into enithenge kuyo. Ukubona umzekelo wendlela amanani atshintsha ngayo ngezinga eliphezulu, fakela amanani amanani kwi-calculator yamortization calculator: uya kuphawula ukuba izinga eliphezulu likhokelela kwiindleko zenyanga zemali eziphezulu (kunye nentlawulo ephezulu ).
Amanani omdla atshintsha rhoqo njengoko uqoqosho lukhula kunye nezivumelwano.
Ngomlinganiselo ochanekileyo, umbolekiso wakho ukhuselekile kwezo zinguqulelo.
Imali Ekhuselekileyo, kwiNdleko
Imali-mboleko yezinga elithethileyo ngokubanzi ikhuselekileyo kuneziboleko zemali eziguquguqukayo: uyazi ukuba ungalindela ntoni, kwaye unokucwangcisa ikusasa. Kukho amabali amaninzi abantu ababolekayo abafumana "ukutshatyalaliswa kwenkokhelo" xa amaxabiso kwiingxowa-mboleko zawo eziguquguqukayo enyuke.
Kodwa kufuneka uhlawule ukhuseleko-ayiqinisekanga. Imali-mboleko yezinga elithengiweyo ngokuqhelekileyo iqalisa ngezinga eliphezulu lezala kunemali ebolekiswayo yemirhumo. Umzekelo, isantya kwi-mortgage rate rate ingaba enye okanye ipesenti ephakamileyo ngaphezu kwezinga kwi- mortgage rate rate (ARM) . Loo mahluko ungenza utshintsho olukhulu kwiintlawulo zakho zenyanga-kwaye kaninzi uzama ukuhlawula inkokhelo ephantsi (nge-loan rate rate variable).
Xa iiRhafu eziThatywayo zingaphumeleli
Amazinga ahlayo: ngamanye amaxesha umboleko olinganisiweyo wemali yinto ephosakeleyo - kodwa awunakukwazi ukukwazi ngaphambili kwexesha. Ukuba izithintelo zenzalo emva kokuba ufumana imali mboleko (kwaye uhlale ungaphantsi ixesha elide), umboleko wesixa-mali oguquguqukayo unokube ube ngumsebenzi ongcono. Ngelishwa, iirhafu zentsingiselo ngokukhawuleza zinzima kakhulu. Oku kuthetha ukuba, ukuba inzala yenzalo ephezulu kwaye ilindeleke ukuba iwele - kwaye ufumana imali-mboleko emide njengeminyaka engama-30 yemali-mboleko.
Ukuhlaziywa kwemali: ukuba amaxabiso awela kwaye unemali-mboleko emiselweyo, asiyikuphela kwehlabathi. Unako ukuzama ukuhlaziya kwixabiso lemali engaphantsi, ephantsi . Nangona kunjalo, uzakufuna ukufumana imboleko emitsha, kwaye imeko yakho (izikolo zemali-mboleko, ii-ratios-revenue-income, etc.) zinokutshintsha.
Kuya kufuneka uhlawule iindleko zokuvala kumaxesha amaninzi, kwaye ezo ndleko ziya kunciphisa nayiphi na inzuzo oyifumanayo ekuhlaziyeni .
Ukuzinikela kwexesha elifutshane: ireyithi ezinqamlekileyo (ngamanye amaxesha) zingabonakali kakhulu xa uza kuboleka ixesha elifutshane. Ngenxa yokuba ziza ngokuzenzekelayo ngamanani aphakamileyo kunemali-mboleko yemingeni eguquguqukayo, kuyafaneleka ukuvavanya ukuba uza kugcina umbolekisi ixesha elingakanani. Ezinye iimali-mboleko zemirhumo eziguquguqukayo zigcina inani elifanayo lokuqala leminyaka emihlanu. Ukuba ulindele ukukrazula imali mboleko ngaphambi koko, kunokuba kunengqiqo ukuya kwi-mboleko ephantsi (echaziweyo). Ngelishwa, ubomi abuhlali kusebenze ngendlela oye uyiceba ngayo, ngoko uya kufuna ukuqinisekiswa kunye nenzuzo enenjongo yokuhlawula.
Iintlobo zeeNgxowa-mali eziThengisiweyo
Ungayifumana njani imali mboleko? Ezi mboleko zilula ukuyifumana. Umgangatho osemgangathweni weminyaka engama-30 wemali yokubolekwa kwemali ngokuqhelekileyo yindlela eqhelekileyo yokuthenga ikhaya.
Ukuba uya kwi-mortgage yeminyaka eyi-15, unokufumana isantya esinokukhuphisana nomyinge we-mortgage rate. Inzala-mboleko kuphela inokuza kunye neerhafu ezichanekileyo (kodwa zingozi ukusebenzisa ).
Ukubolekwa kwemali-mboleko kunye nemali-mboleko yomfundi ngokusemthethweni zihlala zibolekwe ngemali-mboleko: ufumana inkokhelo yenyanga engatshintshiyo, kwaye uhlawula imali yokuhlawula imali ngexesha .
Uninzi lwemali mboleko mboleko ikwafaka iirhafu ezinqamlekileyo, kodwa amakhadi enkokhelo ayimfuneko ebalulekileyo. Ngamakhadi-mboleko kunye nezinye iirhafu zemali-mboleko , isantya sakho sinokutshintsha rhoqo (ngezinye izihlandlo kungekukho).