Indlela Yokufumana Intlawulo Eyona Ntle Yomdla Ebonakalayo KwiNgxowa Yakho Elandelayo

Iingcebiso malunga nendlela yokufumana inzala enomdla

Ingaba ukhangele ukuthenga imoto okanye ukuhlawula imali yekhaya leholide, inzala yakho inomdla iya kunceda ukuqikelela ukuba uhlawula malini ngenyanga. Ngokumalunga nexabiso lokuthenga kunye nexesha lokuboleka imali, inzala yakho inomtsalane kubalulekile ekuhlawuleni kwenyanga kunye noko ugqiba ukuhlawula umyinge wento. Ixabiso lentlawulo ephakamileyo lithetha iintlawulo eziphezulu zenyanga kunye nokuba zininzi zama-dollar angaphezulu kwiindleko zenzalo.

Ixabiso lentengo elincinci likuvumela ukuba ubole imali ngezinga eliphantsi, uqinisekise ukuhlawulwa kweenyanga eziphantsi kunye neendleko ezisezantsi kwimpilo mboleko.

Nangona wonke umntu efuna inzala enomdla, akusiwo wonke umntu oza kufanelekela omnye. Nazi iindlela ezintathu ongayifaka kwisantya esinqwenelekayo kwimali elandelayo.

Gcina Imboleko Yakho Kukujonga

Ngokuxhomekeke kwimali mboleko yakho, inzala yemali igcinwa yi-Federal Reserve, imikhosi yemakethi, okanye ukuhlanganiswa kwababini. Xa uqoqosho luqhuba kakuhle, amazinga enzala aphakama. Xa uqoqosho luqhuba kakubi, njengexesha lokunciphisa umnotho, amaxabiso ahlala ewa. Lezi zinto azikho phantsi kolawulo lwakho, kodwa umlinganiselo wakho wekhredithi ngumba omkhulu ekunqumeni izinga lakho lomdla onokulawula.

Umlinganiselo wakho wekhredithi kufuneka ube ubuncinane nge-720 ukwenzela ukuba ufanele ukufumana inqanaba elihle lomlinganiselo. Ukuba akusikho okwamanje, unokuphucula amanqaku akho ngokuhlawula zonke iimali zakho ngexesha, uphikisana naziphi na iimpazamo kwingxelo yakho, ukugcina izilinganisi zakho phantsi kuzo zonke iikhadi zamatyala, kwaye usebenza ukuhlawula zonke iimali zakho.

Kungathatha inyanga, ukuba kungengeminyaka, ukuvuselela ikhredithi yakho (okanye ukuseka i-credit ngexesha lokuqala ).

Zinike ixesha elaneleyo ukuphucula amanqaku akho ngaphambi kokufaka isicelo semboleko . Yenza iingxelo zekredithi ziinyanga eziliqela phambi kwexesha ( likhululekile ), kwaye ukuba ixesha lihamba lifutshane buza malunga nokugcina ngokukhawuleza .

Thengeza

Yiyiphi inkokhelo enikezela ngayo inokuthi ihluke ngokuphawulekayo kwizinto omnye umboleki. Iminyano yemboleko , umzekelo, inokuthi ihlinzeke ngamaxabiso aphantsi kunabakhulu, amabhanki kazwelonke. Kwakhona, ukuba ubenebhanki kwindawo enye kwithuba elithile, fumana isicatshulwa kwiziko lokuqala. Ngamanye amaxesha amabhanki anika amaxabiso aphantsi kubantu abathengi ixesha elide njengendlela yokubonga ngokuthi 'niyabonga' ngokwenza ibhizinisi kunye nabo nokugcina abathengi abalungileyo ukuba bajonge kwenye indawo.

Ukuthenga ezithengiweyo ngemali mboleko kungathintela kakubi amanqaku akho ekhredithi ngenxa yokuba ngasinye sisebenza isicelo semboleko, i- credit yakho ithatha i-hit . Ukunciphisa umonakalo, yenza konke okuthengayo ngexesha elifutshane. Iinkampani zemboleko kunye nababolekisi bemali mboleko bayazi ukuba abathengi baya kufuna izicatshulwa ezahlukeneyo - yiloo nto ababolekayo imali. Ngenxa yoko, imodeli yokumakisha ngetyala inikezela kwiifestile zexesha othengayo; xa nje ufaka isicelo semali mboleko yemali okanye mboleko yemali, i-credit yakho iya kuhlaselwa kanye ngelo xesha kungakhathaliseki ukuba unemibuzo emininzi.

Kufuneka ube nexesha elingakanani ukuthenga ngaphandle ngaphandle kokukhawuleza imibuzo? Kuya kuxhomekeke kumzekelo wokuthenga ngetyala, kodwa unokwenza ubuncinane ubuncinane kwiiveki ezimbini, kwaye unokuba ube neentsuku ezingama-45 (ingakumbi kwimali-mboleko yasekhaya).

Qaphela: Oku kusebenza kuphela kwimali mboleko yasekhaya kunye nemali. Izicelo zekhadi lokuthenga ngetyala kunye nezinye iimboleko ziyakuchukumisa amanqaku akho kwikhredithi rhoqo xa usebenza.

Fumana Ixesha elifanelekileyo

Xa ufumana imali mboleko, ngokuqhelekileyo iimali-mboleko zexesha elide ziya kuba neerhafu ezincinci kunokuba zifutshane. Qhubeka ukhumbula, nangona kunjalo, ukuba ityala elide ixesha elide lithetha ukuba kuya kukuthatha ixesha elide ukuhlawula imali. Ekugqibeleni, unakho ukuhlawula imali eninzi kunomdla kunokuba uthe wathatha imali mboleko emifutshane nomyinge ophezulu.

Ukutshintsha ngokuqhelekileyo kuyinyaniso kuma-akhawunti apho ungenza imali-njengesatifikethi se -deposit (CD) . Xa i-CD yeminyaka eyi-1 i-1.20% APY , ungabona ama-CD weminyaka emi-5 e-2.25% APY. Ukuba unokukwazi ukubopha imali yakho ixesha elide, uza kwenza imali ethe xaxa kwiCDs ezide.

Kukulungele ukuhlawula ityala ngokukhawuleza, ngoko ke ukuba unako ukuhlawula imali ephezulu ngenyanga, hamba nexesha elifutshane lemboleko.

Ufuna ukubona amanani? Zama ezinye -ukuba iziganeko kwi-calculator yethu yemboleko .

Ngokugcina umlinganiselo wakho wekhredithi ngokutshekisha, ukuthenga ngeenxa zonke kwaye ufumane ixesha elifanelekileyo lomboleko wakho, uzibeka ngokwakho ngenqanaba elihle lomdla kwi-mboleko yakho elandelayo.