Ezi mboleko ziyaziwa nangokuthi "iimboleko zemali" ngenxa yokuba isayinwe kwisivumelwano semali-mboleko yiyo yonke into oyizisa kuyo itafile.
Uthembisa ukubuyisela, kodwa awuyikusixhasa loo thembiso ngokufungisa .
Iintlobo zeeNgxowa ezingaphephile
Ityala elingakhuselekanga liza ngeendlela ezininzi.
- Amakhadi okuthenga ngetyala ayenzihlobo eziqhelekileyo zemboleko. Nangona ungeke ucinge ngabo "ngemali mboleko," uboleka imali xa uchitha ngekhadi lesikweletu.
- Iimboleko zemali zihlala zingakhuselekanga. Nangona abanye abantu bethatha imali emakhaya abo ukuhlawula isikolo, iimali-mboleko ezizimeleyo ngeSebe lezemfundo zihlala zingakhuselekanga .
- Imali-mboleko "eyakho" , efumaneka kwiibhanki, iimanyano zemali-mboleko kunye nababolekisi be-intanethi zibolekisiweyo onokuzithengela ongayisebenzisela nayiphi na injongo ofuna .
The lekisa kunye neNtlukwano
Ukuze kuqinisekiswe ingqiqo, kunokuba luncedo ukujonga iimali-mboleko ezingekho mboleko.
Iimali mboleko ngokuzenzekelayo zihlala zibolekwe. Xa uboleka ukuthenga imoto (okanye ukuboleka kwisihloko senqwelo yakho ), umbolekisi unelungelo lokuthabatha imoto yakho ukuba unqabe ukwenza iintlawulo.
Iimboleko zasekhaya nazo zikhuselekile.
Ingaba uboleka ukuthengwa kwekhaya okanye ufumana i-mortgage yesibini , usengozini yokunyanzeliswa ngaphandle kwekhaya lakho ngokusebenzisa ukuchithwa kwemali ukuba awukwazi ukubuyisela imali mboleko.
Imboleko yemicimbi yezo shishino inokukhuselwa okanye ayikhuseli. Ukuba umboleki wakho ufuna ukuba wenze isiqinisekiso somntu siqu , unokwenza ukuba uthembele kwikhaya lakho okanye ezinye iimpahla njengebhondi.
Ngaphandle kwemali-mboleko ekhuselekile, kunokwenzeka ukulimaza i-credit yakho xa uyeka ukwenza iintlawulo. Inyaniso yokuba umnini-mboleko uthatha i-collateral yakho ayitshintshi loo nto.
Enyanisweni, ngamanye amaxesha abathengisi bathengisa imali, kodwa ukuthengiswa kwempahla ayanele ngokwabo ukuhlawula imali yakho. Xa oko kwenzeka, ulahlekelwa i-asethi, uwonakalise i-credit yakho, kwaye usenayo imali kwi-akhawunti ngenxa yokugwetywa kwesigwebo .
Okongeziweyo, ababolekisi banokuhlawulisa iirhafu zentlawulo, ezandisa imali omele ngayo. Ekugqibeleni, ababolekisi bangathatha isenzo somthetho, kwaye banokukwazi ukuthatha imali kwiakhawunti yakho yasebhanki okanye bahlaziywe umvuzo wakho.
Ukuvunyelwa kweeNgxowa ezingaphephile
Ukuze ufumane imboleko ekhuselekile, akudingeki ukuba uthembise nantoni na. Kunoko, umnini-mboleko uya kuhlola isicelo sakho semboleko ngokusekelwe kwikhono lakho lokubuyisela (ngokuchasene nekhono lomthengisi lokuthengisa impahla yakho kwaye uqokelele into onayo).
Ababolekisi bajonga izinto ezininzi zokugqiba ukuba ngaba uya kubuyiselwa okanye awuyi kubuyiselwa.
Ikhredithi yakho: Ababolekisi bajonga iimbali zakho zokuboleka ukuze ubone ukuba ngaba uhlawule ngempumelelo imali mboleko kwixesha elidlulileyo. Ngokusekelwe kwingcaciso kwiingxelo zakho zemali-mboleko , ikhompyutha idala amanqaku ekhredithi , yindlela encinane yokuvavanya ukuthenga ngetyala lakho. Ukufumana mboleko engakhuselekanga, uya kufuna i-credit entle.
Ukuba wenze imali encinci ngaphambili (okanye unesikweletu esibi ngenxa yokuba uwele kwixesha elidlulileyo kwixesha lakho elidlulileyo), kunokwenzeka ukuvuselela ikhredithi yakho ngexesha.
Ingeniso yakho: Ababolekisi bafuna ukuqinisekisa ukuba unemali engenayo yokwenza imali mboleko. Xa ufaka isicelo semboleko (nokuba ikhuselekile okanye ingakhuselekanga), ababolekisi baya kucela ubungqina bemivuzo. Iingxowa zakho zokuhlawula, iintlawulo zeerhafu kunye nezitatimenti zasebhanki ziya kunika ubungqina obaneleyo bokufumana imali. Emva koko, ababolekisi baya kuhlola ukuba imithwalo yemithwalo yakho yokubolekisa ngemali-mboleko iya kuhambelana nomvuzo wakho wenyanga. Ngokuqhelekileyo benza oku ngokubala i- debt-to-income ratio .
Ukuba awukwazi ukufumana imboleko ekhuselekile esekelwe kwingxowa yakho kunye ne ngeniso, usenokhetho .
- I-Co-signer: Enye indlela ukucela umnxibelelwano wokuncedisa ukuba ufumane imvume, kodwa oku kunokubeka wonke umntu kwimeko enzima . Umnyikityi-cosi uya kuba yi-100 ekhulwini enoxanduva lokubuyisela ityala ukuba awukwazi ukwenza njalo nangasiphi isizathu.
- Ityala elikhuselekile: Unokuzama ukuzithengisa. Nangona kunjalo, ubeka ingozi ekulahlekelweni kweempahla ukuba awukwazi ukugcina iintlawulo. Unokubambisa izinto eziphathekayo, kodwa ungasebenzisa imali kwi-akhawunti yebhanki okanye ezinye iimpahla zezimali ukuze ufumane umboleko .
- Bhoxela ngaphantsi: Ukuba ama-ratios akho akhokhelwa ngamatyala anokubangela iingxaki, i-mboleko encinci kufuneka ibangele iintlawulo eziphantsi kweenyanga . Ukuba unako ukufezekisa into oyifunayo ngetyala elincinci, loo nto inokusebenza kuwo wonke umntu.