Nangona kunjalo, ulawulo loKhuselo loLuntu lubeke imingcele ebalulekileyo kulo mkhuba, kwaye ke akusasa kuba luncedo njengoko kwakunjalo ngaphambili. Le mihla, ngokufanelekileyo, ibonisa isicwangciso-mboleko sexesha elifutshane, ngokuchasene nesicwangciso somhlala-phantsi. Ngaphambi kokuba unqume ukuzama oku, nceda uhlaziye le migaqo ngokucophelela:
Kutheni Uqala Nokuyeka Iinkonzo Zakho zoKhuseleko loLuntu
Ukugqiba ixesha lokuqalisa ukufumana iinzuzo zoKhuselo lwezeNtlalo kungenye yezona zigqibo ezixinzelelekileyo naziphi na izigqibo zokuthatha umhlala-phantsi. Phantse wonke amaMerika angakhetha ukuqala iintlawulo zeNtlalo-ntle phakathi kweminyaka yobudala engama-62 no-70. Ngenxa yokuba iintlawulo zoKhuseleko lweNtlalo zincitshiswa ngenxa yomhlalaphantsi ongaphambi komhlalaphantsi (ngaphambi kokuhlala umhlalaphantsi ), umntu ohlala kwimeko yokuphila ngokuqhelekileyo ufumana imali efanayo yobudala bokuthatha umhlalaphantsi .
Nangona kunjalo, isisombululo sakho ngasinye malunga nexesha lokuthabatha inzuzo siya kubandakanya imeko yakho yangoku engenayo, impilo yakho kunye nezinye izinto ezininzi.
Akuqhelekanga ukuba umntu athathe iindleko aze aqonde ukuba yimpazamo. Yilapho i-option loan payback ifika khona.
Inketho yoKhuseleko lweNtlalo
Nangona ingaqhelekanga okanye isetyenziswe, ulawulo loKhuseleko loLuntu luvumela abahlala phantsi ukuba batshintshe iingqondo zabo malunga nobudala abaqala ukufumana inzuzo.
Eli lungiselelo liza nemingcipheko ebalulekileyo:
- Unako ukurhoxisa isicelo sakho soNcedo lweNtlalo kwiinyanga ezili-12 xa uqala ukufumana izibonelelo.
- Unako ukurhoxisa isicelo sakho ngeenzuzo zingakapheli iintsuku ezingama-60 xa ufake izicelo.
- Kufuneka uhlawule zonke iintlawulo wena kunye nosapho lwakho ezifunyenwe ngokusekelwe kwisicelo sakho somhlalaphantsi.
- Kufuneka ufake ifom yeSSA-521 kunye noLawulo loKhuseleko loLuntu.
- Ungakwazi ukurhoxisa isicelo sakho ngeenzuzo kanye ngexesha lokuphila kwakho.
Ezi zithintelo zixhomekeke kakhulu kunokuba zakuba zidlulileyo, okwenza le nxaxheba "Isicwangciso-mboleko semali-mboleko engenasityelelo sentlalontle" ngaphezulu kwesicwangciso-mboleko sexesha elifutshane kakhulu, kunye nezintambo ezinkulu.
Ngaphambili, umntu oqale ukuqokelela inzuzo kwiminyaka engama-62, unokugqiba isigqibo sakhe kwisigqibo sakhe sangaphambilini kwaye ahlawule zonke iintlawulo zeNtlalo zeNtlalo ezihlawulwe ngoku. Ukususela kuloo ngongoma phambili, loo mntu ufumene inzuzo enkulu kuncike kwixesha elitsha lokuqala eli-70.
Ngelishwa, ulawulo loKhuseleko loLuntu luvalile lo mhlaba ngo-2010. Okungenakukuthi, kwakunzima kakhulu kurhulumente. Isiko soPhando lwezeMhlala-phantsi sigqiba ukuba abantu basebenzisa le cwangciso-mboleko yokubolekisa inzalo yindleko yoKhuseleko lweNtlalo phakathi kwe-$ 5.5 billion kunye ne-11.0 billion ngonyaka.
Ngaphantsi
Le mihla, ilungiselelo loKhuseleko loLuntu olukuvumela ukuba utshintshe ingqondo yakho luncedo kubantu abatshintsha ingqondo yabo ngokufumana izibonelelo, ngokuchasene nalabo abafakela ngamabomu baze bahlaziye izicelo zabo njengesiqhinga sokwenza umboleko ongenamdla.