Iingxowa-mali ezingapheliyo ziya kwenzeka njani
Indlela Amanani Asebenza Ngayo
Iimali zihlawulwa ngexesha. Ngokuqhelekileyo, intlawulo nganye ngenyanga ihamba ngeenjongo zeendleko zenzalo kunye nenye ekujoliseni ukunciphisa ibhalansi yemboleko.
Ekugqibeleni, uhlawula ngokupheleleyo ibhalansi yemboleko. Le nqubo ibizwa ngokuba yi- amortization .
Ngemboleko yemali, ufuna ibhalansi yemboleko ukuba ufike kwi-zero ngaphambi kokuba ixabiso lexabiso lento liyenze.
Indlela amaLungelo afikelela ngayo ngaphantsi
Imali iya kuhlaselwa xa into oyithengayo ilahlekelwa ixabiso ngokukhawuleza kunokuba ibhalansi yemalimboleko iyancipha. Ngokomzekelo, imoto entsha yemoto ingadola i-$ 25,000. Kwiminyaka embalwa kamva, unokufumana i-$ 15,000 kuphela. Ukuba unetyala elingaphezulu kwe-$ 15,000 ngemali mboleko, unomboleko ongezantsi. Uya kufuneka ubhale isheke ukuze uthengise into okanye uqhubeke uhlawula oko emva kokungenanto.
Ukuze ugweme loo ngxaki, kufuneka uhlawule phantsi kwemboleko (okanye uyenze i-amortize) ngokukhawuleza kunokuba into ilahlekelwe yintengo. Ukubolekisa ngemali-mboleko, ngokuqhelekileyo ufuna iimali-mboleko ezihlala ngaphantsi kweminyaka emihlanu. Imigaqo emide (njengemali-mboleko yeminyaka emithandathu kunye neyesisixhenxe) inokukunceda ukugcina iintlawulo zenyanga zantsi, kodwa unobungozi ukuhlaselwa ekupheleni komboleko wakho.
Imali Imali Ephantsi?
Imali-mboleko engaphantsi kwezindlu ziyinkimbinkimbi kuba unokulindela izindlu zonyuka kwixabiso ngaphezu kwexesha elide (iimoto zilahlekelwa xabiso ngenxa yokunciphisa ngokukhawuleza emva kokuba uthenge).
Nangona kunjalo, i- subprime debacle ukususela ngo-2007 yabonisa ukuba ukuhla kwamanani asekhaya kuyingozi kakhulu. Kwihlabathi lehlabathi, ngezinye ixesha igama elithi "ngaphantsi kwamanzi" okanye ukulingana okungafanelekanga lisetyenziswe endaweni yokuhlaselwa.
Ukunyuswa kwexabiso akuyona yingozi nje kuphela: iintlobo ezithile zeemali zokuthenga imali zingakuchukumisa phantsi kwamanzi kuba ibhalansi yakho yemali mboleko iyanda ngaphezu kwexesha.
Izinketho kwiimali eziphantsi kweMali
Ukuba ufumana i-mboleko yakho phantsi, unezigqibo ezinzima zokwenza.
Yiphuma: enye inketho ukugcina imoto yakho okanye ikhaya kwaye uqhubeke uhlawula ngemboleko. Ngelishwa, akusoloko kunokwenzeka. Ukulungiswa kwexabiso elininzi kunokukwenza ukuba inqwelo ibe yinkxalabo kunokuba ibalulekile, kwaye unokufuna ukufuduka kwaye uthengise indlu yakho. Ukuba uthatha le ndlela, phangela i-inshurensi ye-gap ukulawula umngcipheko.
Thengisa (kwaye uhlawule): enye inketho kukuthengisa - nje ukuphelisa izinto. Iindaba ezimbi kukuba ukuthengisa akuyi kuzisa imali eyaneleyo yokuhlawula umbolekisi, ngoko kuya kufuneka ufike ngemali ngokwakho. Ukuba uthengisa imoto, kunokuba kukuhle ukuzithengisa ngokwakho, njengoko unako ukufumana amanani aphezulu ukusuka kubathengi bangebucala kunokuba uza kufumana kumthengisi.
Yisebenze: unokuyeka ukuphuma kwegazi ngokusebenza kunye nomboleki wakho. Xoxa ngeenketho zakho kunye nomboleki wakho kunye nebhanki yendawo okanye umanyano wesikweletu. Enye indlela inokuba yithengisa imoto yakho kwaye udale imali mboleko entsha nayiphi na ibhalansi engakhokhelwa. Oku kungadinga ukuhlaziywa ngokuzithandela . Ngeke ube nemoto, kodwa uya kuba neentlawulo eziphantsi zenyanga kunye neendleko zenzalo ezantsi. Hlanganisa oku kunye nokuthengwa kwemoto engasetyenziswayo, kwaye usenokuba usendleleni eya kwizwe elizinzileyo.
Okanye, ungazama ukuqeshisa imoto endaweni yoko.
Gqithisa ityala: inketho elilingayo, elisetyenziselwa okungaphezulu kunokuba lifanele, kukutshitshisa ityala phantsi kwephephethi. YiNtloko kwi-dealership, kwaye uchaze imeko yakho. Ungathengisa imoto yakho esele ikhona, kwaye ungeze nayiphi na ibhalansi yemboleko engakhokhelwa kwimali-mboleko yakho entsha yemoto. Ngokuqinisekileyo, ngoko uhlawula imoto yakho entsha kunye nemoto yakho endala inyanga zonke-engabulumko. Uya kugqiba ngeentlawulo eziphezulu zenyanga kwaye uya kuhlawula inzala engaphezulu kunokuba uyifunayo.