Xa iintlawulo azihambelani nomdla
Ukuhlawulwa kwamatyala kunokwenzeka nayiphi na uhlobo lomboleko, kwaye kubonakala kubonakala ngemali mboleko yomfundi kunye neengxowa-mboleko zezindlu.
Usebenziso olunjani lokubuyiswa kwemali?
Ukuqonda ukuchithwa kakubi, kukulungele ukuqala ngokuchithwa kwangaphambili.
Imali yinkqubo yokuhlawula ibhalansi yemboleko kunye neentlawulo ezichanekileyo (rhoqo iintlawulo zenyanga). Umzekelo, xa uthenge ikhaya elinomyinge weminyaka engama-30 elithengisiweyo, uza kwenza intlawulo efanayo ngenyanga - nangona uhlawulelo lwemali mboleko kunye neendleko zakho zenzalo ziyancipha ngaphezu kwexesha.
Iintlawulo zenyanga zibalwa ngokusekelwe kwizinto eziliqela:
- Ibhalansi yemali-mboleko - ubuninzi obubolekayo
- Ubude bexesha uza kuthatha ukubuyisela imali mboleko ( eyaziwa njengekota )
- Intlawulo yemali ehlawulwe kwi-balance balance
Ukubala kuvela ngenkokhelo echanekileyo eya kuhlawula ngokupheleleyo imali yakho mboleko ekupheleni kwexesha olikhethayo (ngokuqhelekileyo iminyaka eyi-15 ukuya kwe-30 yomboleko wesikolo). Intlawulo nganye inamalungu amabini:
- Ingxenye yentlawulo ibandakanya iintlawulo zenzalo kwityala lakho
- Intsalela yentlawulo ihlawula ityala lakho (okanye ukunciphisa ibhalansi yakho mboleko)
Ukuze ufunde ngakumbi kwaye ubone iitafile zokuhlengahlengiswa kweesampula, Ngezantsi kweli phepha, uza kufumana isampula yokuchithwa kwe-amortization.
Xa izinto zihamba kakubi
Ngeemali-mboleko, unako ukuhlawula ngaphantsi kokuhlawula ngokupheleleyo . Isizathu esiyinhloko sokuhlawula ngaphantsi kukuba, kulula ukuba ukuhlawula encinane.
Xa uhlawula ngaphantsi kweendleko zenzalo enyangeni enikeziweyo (okanye nayiphi na ixesha elisebenzayo), iindleko zenzalo zifakwe kwi-balance balance.
Ngamanye amagama, unetyala ngaphezu kwenyanga . Awufumani imali kumntu obolekisileyo, kodwa ibhalansi yakho yemali mboleko ikhula ngenxa yokuba awukhokhanga umdla.
Inkqubo yokongeza inzala kwimali-mboleko yemali-mboleko iyaziwa njengento yokubeka inzala .
Ekugqibeleni, kuya kufuneka uhlawule umboleko. Oku kwenzeka ngeendlela ezininzi:
- Ngokuhlawulwa kweentlawulo ezihlawulelwayo (eziza kuba ziphakamileyo kunokuba zibe zikhona ukuba imali leyo ayizange ikhule)
- Ngokuhlaziya umboleko
- Ngokwenza ibhaluni yokuhlawula ukuhlawula ityala
Kutheni usebenzise ukuhlaziywa okungekhoyo?
Ufanele uhlawule ngenye indlela, ngoko kutheni abantu bakhetha ukuvumela ukubolekwa kwemali mboleko?
Ukungakwazi ukuhlawula: ngamanye amaxesha awunayo imali ekhoyo ukuze wenze iintlawulo. Ngokomzekelo, ngexesha lokungasebenzi, unganakho ukuhlawula imali yakho yomboleko. Kunokwenzeka ukufaka isicelo sokumiswa , okuvumela ukuba uyeke ukwenza iintlawulo ngexeshana. Nangona kunjalo, inzala iyasetyala, kwaye kuya kufuneka uhlawule umrhumo ngaphandle kokuba uncedise ngemali mboleko . Qaphela ukuba usoloko unakho ukhetho lokuhlawula umdla (ngelixa uqaqa inkokhelo enkulu) ukuba ufuna ukuphepha ukuhlaziywa okubi.
Imali mboleko mboleko: kwezinye iimeko, abatyali-mali abanomdla wokutyikitywa kweentlawulo ezinkulu ngenyanga.
Oku kuyinyani ngokukodwa kwiiprojekthi zexesha elifutshane (umzekelo, ukulungiswa kunye neflip). Le ndlela yenzelwe ukutyalomali, kwaye abanye abantu kunye namashishini benza ngempumelelo. Ngesi sicwangciso sokuhlawula, kufuneka uthengise i-asethi ngenzuzo eyaneleyo yokuhlawula inzala ongayikhokhelwa.
"Ukuchonga" ukuthenga: abanye abathengi basekhaya basebenzisa intlawulo engenzileyo ukuthenga ipropati okwangoku ixabiso lexabiso. Ukucinga kukuba baya kuba nemali engenayo kamva, kwaye bafuna ukuthenga ipropati ethe xaxa namhlanje kunokuba bathenge umncinci kwaye kufuneka bahambe ngexesha elizayo. Kwakhona, eli siqhinga eliyingozi - awukwazi ukuqikelela ikusasa, kwaye kukho amabali amaninzi okulindela awazange akwenzeke. Eminye imizekelo yemali-mboleko enobungozi ibandakanya ukhetho-i-ARM mboleko okanye iimali -mboleko zokuzihlawula (ezingenakuthandwa njengokuba zaziqhelekile).
Umzekelo weempazamo ezimbi
Ukuze ubone ukulungiswa kwemali engenzi kakuhle, thabatha nayiphi na imali mboleko uze ucinge ukuba uhlawula ngaphantsi kweentlawulo zenzalo. Emva kwexesha, ibhalansi iya kwanda.
Ngokomzekelo, cinga uboleka i-$ 100,000 kwi-6% iminyaka engama-30 ukuba ubuyelwe ngenyanga. Kule meko, asiyi kuhlawula nanye inyanga, kwaye uya kubona ukuba ibhalansi yemali mboleko ikhula. Unokwakha iitheyibhile zokwenza imali kunye nokusebenzisa nayiphi na intlawulo oyikhethayo.
Njengoko uyakubona, inani lemali oyihlawulayo linyuka inyanga nganye - kunye ne-balance balance yakho.
| Inyanga | Ibhalansi yokuQala | Eyona ntlawulo | Nqununu | Inzala | UkuGqiba kweMali |
| 1 | $ 100,000.00 | $ - | $ (500.00) | $ 500.00 | $ 100,500.00 |
| 2 | $ 100,500.00 | $ - | $ (502.50) | $ 502.50 | $ 101,002.50 |
| 3 | $ 101,002.50 | $ - | $ (505.01) | $ 505.01 | $ 101,507.51 |
| 4 | $ 101,507.51 | $ - | $ (507.54) | $ 507.54 | $ 102,015.05 |
| 5 | $ 102,015.05 | $ - | $ (510.08) | $ 510.08 | $ 102,525.13 |
| 6 | $ 102,525.13 | $ - | $ (512.63) | $ 512.63 | $ 103,037.75 |
| 7 | $ 103,037.75 | $ - | $ (515.19) | $ 515.19 | $ 103,552.94 |
| 8 | $ 103,552.94 | $ - | $ (517.76) | $ 517.76 | $ 104,070.70 |
| 9 | $ 104,070.70 | $ - | $ (520.35) | $ 520.35 | $ 104,591.06 |
| 10 | $ 104,591.06 | $ - | (522.96) | $ 522.96 | $ 105,114.01 |
| 11 | $ 105,114.01 | $ - | $ (525.57) | $ 525.57 | $ 105,639.58 |
| 12 | $ 105,639.58 | $ - | I $ (528.20) | $ 528.20 | $ 106,167.78 |