Imboleko mboleko ingenye yeentlobo ezininzi zemali-mboleko onokuboleka kuyo ebhankini. Ezi mboleko ziqhelekileyo iimali-mboleko ezinokuthi ungasebenzisa ngokuqonda kwakho ngezinto ezifana nokuhlanganiswa kwetyala okanye ukuhlawula iindleko ezingalindelekanga okanye iphrojekthi yokuphucula ekhaya. Iimali-mboleko zomntu siqu zihlala zilukhuni ukufumana kwaye zibe neemfuno eziqinileyo zemfundo. Ukuba ucinga ngokuboleka imali mboleko yakho, nantsi ezinye izinto owaziyo.
Imboleko mboleko ayiqinisekisiwe.
Oko kuthetha ukuba umboleko awufuneki ukuba usebenzise i-asethi njengobuncwane. Ukuba ungekho phantsi kwemboleko mboleko, umboleki-mboleko akakwazi ukuzithatha ngokuzenzekelayo isiqwenga sepropati yakho njengentlawulo yomboleko. Le ngenye yezizathu zokubolekwa kwemali mboleko kunzima ukufumana. Umboleki-mali akanalo nayiphi na impahla yokubamba ukuba awukwazi ukwenza iintlawulo zemboleko. Nangona umnini-mboleko akakwazi ukuzenza ngokuzenzekelayo indlu okanye imoto yakho, kunokuthatha ezinye izenzo zokuqokelela. Oku kuquka ukuhlawulwa kweemali ezikhawulezileyo kwiimali-mboleko zemali -mboleko , ukuqesha i-arhente yokuqokelela, nokufakela isityholo kuwe.
Iimali-mboleko zomntu siqu zinomlinganiselo othe ngqo.
Isixa semali-mboleko yemali mboleko kuyo yonke indawo ukusuka kwi-$ 1,000 ukuya kwii-50,000 zama-dollar kwaye kuxhomekeke kumboleki, inzuzo yakho kunye nokulinganiswa kwemali. Ukuphucula umvuzo wakho wemali kwaye ukhuphule imali engenayo, imali enokuyiboleka. Ezinye iibhanki zinesimboli kwisixa semboleko mboleko onokuyiboleka.
Ngokomzekelo, unakho ukuboleka kuphela i-$ 10,000 eyimali mboleko.
Ngokungafani namakhadi-mboleko, iimboleko zemali ziyimali-mboleko yodwa. Awukwazi ukuboleka kwimboleko ngokugqithiseleyo ngendlela ongayenza ngayo ngokulinganisela kwekhadi lesikweletu. Iintlawulo kumboleki ziyanciphisa ibhalansi, kodwa musa ukuvula i-credit ekhoyo ukuba unokuboleka kwakhona.
Xa uhlawula imali mboleko, i-akhawunti ivalwe. Ukuba ufuna ukuboleke kwakhona, kufuneka uphinde usebenzise kwakhona.
Iingxowa-mboleko ezizimele zihlala zizinyathelo ezithintekayo.
Umyinge wenzalo uvalelwe kwaye awutshintshi ubomi bombolekiso. Njengemali yemboleko, iirhafu zemali mboleko mboleko zisekelwe kwinqanaba lekhredithi. Ngokuqhelekileyo, ukuphucula umlinganiselo wakho wekhredithi , inqanaba lakho lemali eliphantsi. Ixabiso lentlawulo elincinci lifanelekileyo kuba lithetha ukuhlawula iindleko eziphantsi zokuboleka imali mboleko. Ezinye iingxowa-mboleko zemali ziza nenani lentengo eguqukayo eguqukayo ngezikhathi ezithile. Impendulo yezinga lokutshintsha inzala kukuba iintlawulo zakho zinokutshintsha njengoko izinga lakho litshintsha ukwenza kube nzima ukuhlawula imali kwiimali zakho zemboleko.
Iimali mboleko mboleko yenkcitho ehlawulelwayo.
Unesiqingatha sithuba sokubuyisela imali mboleko yakho. Iimali zemivuzo zichazwe kwiinyanga, umz. 12, 24, 36, 48, kunye no-60. Ixesha elide lokubuyisela lihlawule umvuzo wakho wenyanga mboleko , kodwa uthetha ukuba uhlawule ngakumbi kwimali kunokuba unayo ixesha elifutshane lokubuyisela. Inqanaba lakho lomdla linokuthi linamathele kwixesha lakho lokubuyisela. Ngokomzekelo, unokuba nesantya senzala esezantsi kunye nexesha elifutshane elihlawulwayo. Ixesha elide lokubuyiselwa kwakhona lithetha ukuba uza kuhlawula ngemboleko kwithuba elide elide.
Ukuba nemboleko evulekile inokuchaphazela ukukwazi kwakho ukufumana imvume yamanye amakhadi e-credit kunye nemboleko. Qaphela ukuba ezinye iimali-mboleko zinomyalelo wokuhlawulwa ngaphambi kokuhlawula umrhumo wokuhlawula umboleko wakho kwangaphambili.
Iimboleko zemali zakho zithintela amanqaku akho.
Uninzi lwababolekisi baxela iinkcukacha ze-akhawunti yakho yemboleko kwii-credit bureaus. . Yonke into yokufaka isicelo sembolekiso (oko kuthetha ukuba uphando olutsha kwirekhodi yakho yekhredithi) ngendlela efanelekileyo ngexesha owenza ngayo iintlawulo ziya kuthintela i-credit yakho. Isihluthulelo sokugcina umgangatho omhle wamatyala wenza imali yakho mboleko ngethuba ngenyanga.
Qaphela izikhwama.
Qaphela ukukhwabanisa, ngokukodwa ukuba uthengisa umboleki-mboleko oza kukuvumela ukuba ube nembali embi yesikweletu. Gwema nayiphi na umboleki oqinisekisa ukuvunywa ngaphandle kokujonga iimbali zakho zemali okanye ngubani ocela ukuba uthumele imali (ngokukodwa ngokusebenzisa ukudluliselwa kwentambo okanye ikhadi elihlawulwa kuqala) ukukhusela umboleko.
Ukufaka isicelo semali mboleko
Kungaba lula ukufumana mboleko mboleko kwibhanki sele unayo i-akhawunti kunye nayo. Ibhanki mhlawumbi iyafuna ukwazi ukuba uza kusebenzisa ntoni imali kwaye inokuhlawulwa kwemali engcono kwiimfuno zakho. Njengaye nawuphi na umboleko, kubalulekile ukukhetha imali mboleko yakho ngokukhawuleza kwaye uboleke kuphela into onokuyibuyisela yona.