Iinkqubo zokuhlaziya iRhafu yeMali
• Unokunciphisa izinga lomdla wakho: Esinye sezizathu ezifanelekileyo zokuncedisa imboleko yemoto kukunciphisa umlinganiselo wakho wenzala .
Ukuba ubukade ungenalo ikhredithi okanye ityala elibi , kuyafaneleka ukujonga ukuhlaziya imali yakho yemali mboleko emva kweminyaka emibini. Umlinganiselo wakho wekhredithi unokukwazi ukuphucula ngokwaneleyo ukwenzela ukuba ufumane inzala engaphantsi. Ngomlinganiselo omncinci wenzalo, uya kuba nako ukuhlawula imali yakho ngokukhawuleza okanye ukugcina imali ngexesha lokuhlawulwa kwemboleko yakho.
• Ukwandisa ukuhamba kwemali: Ukuba okwangoku unetyala ngaphantsi kwezinto ezifanelekileyo, kufuneka ufikelele kwimali engaphezulu ngokucoca. Ngokomzekelo, masithi unesithuthi sakho iminyaka emithathu. Isithuthi sakho sithengisa i-$ 8000 kwaye usalutyala imali engu-5000 kwi-auto loan yakho. Ufuna imali yokuphuculwa kwekhaya elincinci. Enye inketho iya kuba kukuhlaziya imoto yakho i-$ 6500. Uza kuhlawulwa ngaphantsi kwezinto ezifunekayo kwaye ufumane i-$ 1500 emva kokuba uboleke imali entsha uhlawule imali yakho yangaphambili ye-$ 5000. I-1500 yeeRhafu ingasetyenziselwa ukuphucula ikhaya.
• Ukunciphisa iintlawulo zakho ngokunyusa imali mboleko: Ngezinye izihlandlo zokutshintsha ubomi ezifana nokuzala umntwana, iindleko zonyango ezingalindelekanga, okanye inhlekelele yendalo ingakufaka imeko apho kufuneka ube nciphisa iindleko zakho zenyanga. Ukuhlaziya kwakhona kunokukuvumela ukuba wandise imali mboleko yakho. Ngokomzekelo, ukuba unetyala leminyaka emibini kwimali-mboleko yakho yangoku, kungenzeka ukuba ulungise kwaye unwebe ixesha eliyiminyaka emine.
Ukongeza iminyaka emibini kwi-mboleko yakho kufuneka inciphise kakhulu intlawulo yakho yenyanga ngokuxhomekeka kwinqanaba lentlawulo oyifumanayo. Uya kuhlawula iminyaka emibini ngaphezulu, kodwa uya kukhulula imali ethile rhoqo ngenyanga ukukunceda ufikelele kwisiqwenga esibi. Khumbula, nangona kunjalo, oku kuya kuthetha ukuba ixabiso elipheleleyo eliya kulihlawula ixesha lokuphila lomboleko liya kuba phezulu (esiza kuxubusha ngezantsi).
• Tshintsha ababoleki : Ukutshintsha ababolekisi banokuba ngumpro okanye umxho kuxhomekeke kulwalamano onalo kunye nomboleki wakho. Ukuba umboleki wakho unzima ukuqhagamshelana okanye akafumani ulwazi lwakho lokuhlawula, ukuguqula ababolekisi kungaba ngumpro. Ukuba uthanda umnini-mboleko wakho, ungazama ukulungiswa kunye nabo, kodwa unokufuna ukujonga kwenye indawo ukuze ufumane umgangatho ophezulu.
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• Uza kuhlawula umdla omkhulu ngaphezu kobude bemali mboleko: Ngamanye amaxesha unako ukuhlaziywa nomyinge ophantsi, kodwa ngenxa yokuba umboleko uyongezwa uya kuhlawula ngokugqithiseleyo ubude bemali mboleko. Sebenzisa i- calculator yemali - mboleko ukuqinisekisa ukuba uyazi ukuba ngaba ungasindisa imali ngokubanzi okanye awuyiyo yonke imali . Ukufumana isantya esingaphantsi kwenyanga kunokuthi ube yintoni okhangelayo, kodwa ukuba ufuna ukuhlawula ubuncinane ubuncinane kubalulekile ukwenza izibalo.
Umzekelo, ukuba unemali-mboleko ye-$ 5,000 nge-10% yentlawulo yemali ehlawulwe kwikhosi leminyaka emi-2, uya kuhlawula i-$ 5537 epheleleyo. Nangona kunjalo, loo mboleko yemali eyongeziweyo kwixesha eliyiminyaka emihlanu iya kugqiba ukubiza imali engama-6374 $ - leyo eyi-$ 837 engasetyenziselwa kwenye into, ke qi ni sekise ukuba uyenzela kuphela imali mboleko ukuba ufuna ngokwenene!
• Ukuhlawula umyinge ophezulu: Ukufumana imali ngokukhawuleza ngamanye amaxesha kuyona kuphela isizathu sokuhlaziya imboleko yemoto. Qaphela inzala ephezulu nangona kunjalo, kuba abaninzi ababolekayo batyala inzala ephezulu kwiimoto ezindala. Ukuba uya kuhlaziya imoto yakho yokuguga, unokumangaliswa kwinqanaba lomdla elikhoyo kuwe. Ngokuqhelekileyo ixabiso eliphantsi kunekhadi lekhredithi nangona ukuba isithuthi sakho sisetyenziselwa ukuxhamla.
Cinga zonke iinketho zakho ngaphambi kokuba wenze ukuhlaziya imoto yakho.
Hlola ukuza ubone ukuba yeyiphi ixabiso lentengo ekhoyo. Gcina ubude bemali mboleko bufutshane njengoko uhlahlo lwabiwo-mali luya kuvumela. Ukufumana ixesha elifutshane lemali-mboleko elidibeneyo kunye nenani lentengo ephantsi kakhulu liya kuqinisekisa ukuba ufumana imali engcono kakhulu yemboleko yemoto .