Ngaphambi kokuba usebenze ekuhlawuleleni ngokugqithiseleyo uhlobo lwentyala, qiniseka ukuba ukhoyo kwiintlawulo kuzo zonke i-akhawunti yakho. Akukuxhamli ukuba uyayihoxisa ngokupheleleyo intlawulo kwerhafu enye ukuze uhlawule enye. Akukuphela nje ukuwa emva kokulimaza amanqaku akho okwekhredithi , kuya kwenza kube nzima ukufumana nokuhlawula i-akhawunti yakho.
Ukuqwalasela ukuba uhlawula iimali-mboleko zabafundi okanye amakhadi ekweretheni kuqala, siya kugxotha amatyala omnye komnye kwiindidi ezimbalwa zeentlawulo ezibalulekileyo. "Ulahlekileyo" kwicandelo ngalinye ufumana iphuzu. Ityala lezona nkalo kakhulu ekugqibeleni ngulowo omele uhlawule kuqala. Le yimiba yokubuyisela ukuqwalasela:
- Iziphumo zokungahlawuli
- Ikhono lokuba netyala linqunyulwe
- Ukubuyiswa kwembuyekezo
- Ukukhululeka kokubambisa kwiimali ezidlulileyo
- Iindleko zexesha elide letyala
- Amanani alonke
- Ukukhululeka ukuboleka ngetyala
Iziphumo ezingezantsi kweNtlawulo
Bobabini iimali-mboleko zabafundi kunye namakhadi-ngxowa-mboleko zihlobo lwetyala elingakhuselekanga .
Oku kuthetha ukuba akukho mboleko oboshwe kwitalti efana ne-mortgage okanye imboleko yemoto. Ukuba uthe wawa emva kweentlawulo zakho, umboleki-mboleko okanye umboleki-mali akanakuzibuyisela ngokuzenzekelayo nayiphina impahla yakho ukuze anelise ityala. Kukho okungafaniyo nemali-mboleko yomfundi waseburhulumenteni. Kwezinye iimeko, ukubuyiselwa kwemali yentlawulo yaseburhulumenteni kungabanjelwa ukuwanelisa iimali-mboleko zesikolo ezilahlekileyo.
Ukungabikho kwentlawulo kuzo zombini iintlobo zetyala kuza kuthintela amanqaku akho. Emva kweenyanga ezininzi zokuhlawulwa kweentlawulo, umboleki-mboleko okanye umboleki-mali angaqesha umntu oqokelelwa ngetyala lesithathu ukuba aphishekele ityala. Unokugwetyelwa ngamatyala okudlulileyo kwaye isigwebo singabangela isigwebo sakho. Ngomgwebo, inkundla inokunikezela ukulungiswa kwemvuzo okanye i-levy yebhanki. Le ndlela yokuqokelela ingenzeka ngexesha elidlulileyo ngenxa yamakhadi-ngetyala okanye iintlawulo zemboleko.
Isigwebo : Ukuba netyala lokubuyiselwa kwentela kuthathwe kuthatha ukungabikho kwentlawulo yemali-mboleko yomfundi embi kakhulu. Imboleko yezifundi zifumana iphuzu kulo mjikelezo.
Ingxelo : Imali-mboleko yabafundi: 1, iiKhadi zeMatyala: 0
Ikhono lokuChoxisa amatyala
Enye yeyona ntlukwano enkulu phakathi kwemali-mboleko yomfundi kunye namakhadi-ngxowa-mali yinto elula yokuba netyala likhutshwe kwi-bankruptcy . Kunokwenzeka ukuba inkokhelo yemboleko yomfundi ikhutshwe kwi-bankruptcy, kodwa umthwalo wobungqina unzima. Kumele uqinisekise ukuba ukuhlawula ityala kunokukwenza ube ngumgangatho ophantsi kunomgangatho omncinci wokuphila, ukuba awukwazi ukuhlawula inxalenye ebalulekileyo yexesha lakho lokubuyisela, kwaye sele usuphumelele (uphumelele) uzame ukusebenza isicwangciso sokuhlawula kunye nomboleki wakho. Eli nqanaba lobungqina alisoloko liyimfuneko ukuba inetyala lekhadi lesikweletu likhishwe kwi-bankruptcy.
Ezinye iimboleko zemfundo ziyakulungelelaniswa neeprogram zokuxolela eziya kukhansela ezinye okanye zonke iitalato. Olu hlobo lwetyala lokuxolelwa alitholakali ngamakhadi-mboleko. Kwezinye iimeko, abakhupheli bekhadi lokuthenga ngetyala banokukrhoxisa inxalenye yebhanki ephumayo njengenxalenye yesivumelwano sokuhlalutya . Nangona kunjalo, ezi ntlobo zezivumelwano zokuhlala aziqhelekanga, zimbi ngetyala lakho, kwaye zenziwa kuphela ngexesha elidlulileyo ngenxa yeakhawunti yekhadi lesikweletu. Ukuba i-akhawunti yakho ibume kakuhle, umnikeli wakho wekhadi lokuthenga ngetyala akuyi kubuyiselwa isivumelwano semvumelwano.
Isigwebo : Iimboleko zemali zingaxolelwa kwaye zikhutshwe kwi-bankruptcy (kwiimeko ezithile). Amakhadi eemboleko alahlekelwa lolu hlobo ukusuka kwizinto ezikhethiweyo zokucinywa kwetyala - ukuchithwa kwamatyala kunye nokuhlawulwa kwetyala - ziyingozi nakwimilinganiselo yakho yekhredithi. ziyingozi nakwezikwere zakho zemali.
Amanqaku : Iimbolekiso zabafundi: 1, iiKhadi zeMatyala: 1
Ukubuyiswa kweZintlawulo
Izinketho zokubuyiselwa kwemboleko yemali zixhomekeke kakhulu kunezo ezifumanekayo kumakhadi-mboleko. Abathengisi baninzi bafumana izicwangciso ezininzi zokuhlawula ngokuzikhethela ngokusekelwe kwikhono lakho lokuhlawula. Ngokomzekelo, ababolekisi abaninzi banikela isicwangciso sokubuyisela imali esekelwe kwingeniso esinokutshintshwa ngokusekelwe kwingeniso yakho kunye neendleko. Ukunyamezela kunye nokuchaswa kukukhetha kwakhona umbolekisi wakho ukuba ungeke ukwazi ukwenza iintlawulo zakho okanye ukuba ubhalise esikolweni kwakhona.
Amakhadi okuthenga ngetyala anemivuzo emncinci ephantsi omele uyiyenze inyanga nganye ukugcina ikhadi lakho lesikweletu ngokuma kakuhle . Unako ukuhlawula ngokukhawuleza ngaphezu kokuncinci ukuhlawula ibhalansi yakho kungekudala.
Ukuba awukwazi ukuhlawula inkokhelo yakho encinci yekhadi lesikweletu, awunayo inketho ezininzi. Abanye abanikidi bekhadi bekhredithi banikela iinkqubo zobunzima obuphantsi kwezinga lakho lemali kunye nentlawulo yenyanga. Ngelishwa, ezi nkqubo zihlala zifumaneka kuphela ukuba sele uwele emva kweentlawulo zakho. Ululeko lweengxowa-mboleko zabathengi ngenye indlela yokulawula iikhodi zekhadi lakho lekhredithi. Nangona kunjalo, unokubanga amakhadi akho ekwereta (ubuncinane okwethutyana) ukuba ufaka isicwangciso solawulo lwetyala kunye ne-agency agxilongo.
Isiqinisekiso : Iimboleko zemali zinamathuba amaninzi onokubuyisela ukuba uya kukhetha kuye kuxhomekeke kwiimeko zakho zemali. Ngenxa yokuba amakhadi enkoleko aneenketho ezincinane zokubuyisela, kufuneka uhlawule kuqala.
Amanqaku : Iimbolekiso zabafundi: 1, iiKhadi zeMatyala: 2
Ukuthintela kwixesha elidlulileyo
Unokhetho oluthe xaxa lokubamba kwiintlawulo zemali-mboleko zomfundi ezidlulileyo. Umboleki wakho unokukwazi ukufaka imbopheleleko kwi-akhawunti yakho kwaye uyicime ngokutsha yonke imali oyilahlekile ngaphambili. Umboleki-mali unokukwazi ukongeza ixesha elidlulileyo lemali ebuyisiweyo kwimali-mboleko yakho kwaye ubuyele kwakhona iintlawulo zakho zenyanga. Nangona oku kungathetha iintlawulo eziphezulu zenyanga, oko kukufumanisa.
Emva kokuba uswele emva kweentlawulo zekhadi lakho lokuthenga ngetyala, uza kufuneka uhlawule lonke elidlulileyo elipheleleyo ngenxa yokulinganisa i-akhawunti yakho yangoku kwakhona. Kwakhona, xa i-akhawunti yakho yekhadi lekhredithi ihlawulwa , akukho khetho yokuyibuyisela kwakhona ngoku kwaye iqhubeke neentlawulo. Ngokungahlawulwanga ngetyala lomfundi, umnini-mboleko wakho unokukuvumela ukuba uhlaziye umboleko wakho ukuwubuyisela kwakhona ngoku.
Isiqinisekiso : Njengoko kunzima ukufumana ixesha elidlulileyo ngenxa yokulinganisela kwamakhadi kunye namakhredithi emakhadi a matyala akuncinci, kufuneka ulahlekelwe ezi zikolo kuqala.
Amanqaku : Iimbolekiso zabafundi: 1, iiKhadi zeMatyala: 3
Ziziphi iindleko ezongezelelweyo?
Amakhadi okuthenga ngetyala ngamanani amaninzi aphakamileyo kunamazinga omyinge wemali mboleko efunyanwa ngumfundi, oko kuthetha ukuba eli tyala libiza kakhulu. Ngokomzekelo, i-mboleko yemali eyi-$ 10,000 kuma-6.8 eepesenti ama-APR ahlawulwe ngaphezu kweminyaka engama-20 yayiza kubiza i-$ 8,321 ngenzala. Ibhalansi yekhadi lokuthenga ngetyala le-10 000 kwi-iipesenti ezili-17 i-APR ihlawulwe ngaphezu kweminyaka engama-20 yayiza kubiza i-$ 25,230 inzala! Kwaye oko kuthatha inqanaba lesibini kwimigangatho yemigangatho iya kuhlala ihleli phezu kwelo xesha. Ixabiso lentengo elide lexesha elide liyakhuphuka ukuba inani lamanani landa.
Kukho nokuba kubekho umgca wokuhlawula imali-mboleko yemali-mboleko. Inzala yemali mboleko yomfundi yinqununu yerhafu ekhankanywe ngentla ebonisa ukuba ungathabatha intsalela nangona ungayithathi ihlomelo yakho. I-preparer yakho yerhafu kwaye unokukunika ulwazi oluthe xaxa malunga nokuba inzala yomboleko yomfundi ingazuza njani irhafu yakho.
Inzala yemakhadi yemboleko ayikho inkokhelo ehlawulwa irhafu ngaphandle kokuba uye wasebenzisa ikhadi lekhredithi kuphela ngeendleko zemfundo. Uya kufuneka ugcine iirekhodi ezicacileyo malunga nendlela osebenzise ngayo ikhadi lakho lesikweletu kunye nemali enomvuzo owuhlawula ngonyaka.
Isigwebo : Amakhadi enkokhelo axabisa inzala kwaye akukho nzuzo yokufumana inzala. Amakhadi ekwereta alahlekelwa yile.
Imboleko yemali : 1, iiCredit Cards: 4
Inani elipheleleyo leTyala ngalinye
Ngokuqhelekileyo kulula ukuhlawula izilinganisi zekhadi lakho lesikweledu kuba zinokwenzeka ukuba ziphantsi kuneemali eziboleke imali. Ukuba ufuna ukukhawuleza amatyala ngokukhawuleza, ugxininise ekuhlawuleni ikhadi lakho lekredithi liya kukuvumela ukuba udibanise ezinye iakhawunti ngokukhawuleza. Ngaloo ndlela, uneentlawulo ezimbalwa zokwenza inyanga nganye.
Isigwebo : Xa kuthethwa kubukhulu betyala, liyonto njengoko kuxhomekeke kubukhulu bebhanki yakho kunye netyala ngalinye. Akukho matyala athola inqaku.
Amanqaku : Iimboleko zemali zabafundi: 1, iiCredit Cards: 4
Indlela Ababoleki Abayibonayo Ngamatyala
Ityala leetyala lomfundi lidlalwa njengetyala elihle "kuba ityala lesikhwama somfundi lingabonisa utyalo-mali kwixesha elizayo. Kubonisa ukuba ufumene umgangatho wemfundo oza kukuvumela ukuba ufumane imali engaphezulu. Xa ukhangela i-mboleko entsha okanye ikhadi lekhredithi, ityala lesikhwama semali ayiyi kubala ngokukodwa njengetyala lekhadi lesikweletu, elibhekwa njengetyala elibi.
Oko akutsho ukuba ityala lesikhwama semali ayiyi kukulimaza. Kungenzeka ukuba nenani eliphakamileyo le mboleko yemboleko yomfundi ongenakukwazi ukufumana nayiphi na imbopheleleko yemboleko. Nangona kunjalo, ababolekisi banomvuzo omncinci ngetyala lemboleko yomfundi kunokuba ityala lamatyala ekhredithi xa kuziwa kukuvumela ukuba uboleke imali enkulu njengemali yokubolekwa kwemali okanye yemali mboleko.
Isigwebo : Amakhadi enkokhelo alahlekelwa le ngqungquthela ekubeni kunzima ukufumana amaphepha amakhadi amatyala okanye iimali-mboleko ngetyala lekhadi lesikweletu.
Amanqaku : Iimboleko zemali zabafundi: 1, iiCredit Cards: 5
Yiyiphi na amatyala onokuyihlawula kuqala?
Ukuqhathaniswa namakhadi-ngetyala, isizathu esisodwa sokuhlawula imali yokubolekwa komfundi kuqala kukuphepha ukungahlawulwanga kwemboleko engakhokelela ekubuyiselweni kwembuyekezo yakho yentela. Nangona kunjalo, xa kuziwa kwiindleko zetyala, iinketho zokubuyisela, kunye nezinye izinto ezibalulekileyo, ukuhlawula iikhadi lakho lekredithi kuyinzuzo. Emva kokuba ugqityile ityala lakho lekhadi lesikweletu, unako ukusebenzisa zonke iintlawulo ekujongeni ukukrazula imali yakho.