Iingcebiso zokuhlawula amatyala
Kuthatha ukuthini ukuhlawula imali yakho mboleko? Zininzi iindlela ezilula, kwaye zichazwe ngezantsi. Ngaphambi kokuba ukhethe enye, qiniseka ukuba uyaqonda indlela yokuhlawula amatyala kwangaphambili nangaliphi na umbolekisi oyisebenzisayo.
Kukho iirhafu okanye amanyathelo athile afunekayo kuloo mboleko ukuthenga izinto ngokufanelekileyo.
Ingaba Yenza Ingqiqo Yokuhlawula Amatyala Okuqala?
Ngamanye amaxesha kunengcamango enkulu yokuhlawula ityala, ngamanye amaxesha kukho iindlela ezingcono. Phonononga ubuqili kunye nobutyebi kwaye wenze isinqumo esinolwazi:
- Iinjongo: Kutheni ukuhlawula iMali
- Ingqumbo: Izibango zokuqala
Kuhlala kuluvo oluhle ukuqhuba amanani athile kwaye ubale ukuba ungalondoloza bunjani (kwaye mhlawumbi ufumane ngaphezulu). Jonga ukuba izinto ziza kusebenza njani nge-calculator amortization calculator, sebenzisa i- calculators yemali-mboleko yase-Excel ngaphambili , okanye ubale izikwereti ngesandla ngokwakho.
Thumela imali nje
Indlela elula yokuhlawula amatyala kwangoko kukuhlawula encinci (okanye kakhulu) xa unako. Kwakhona kunzima ukukhupha kuba kufuna ukuqeqeshwa. Unokufuna ukuqwalasela usebenzisa enye yezindlela ezizenzekelayo ngezansi xa ungacingi ukuba uya kubambelela kwinkqubo.
Ukuba unqwenela ukubhabha ngesitulo sebhulukhwe zakho - kwaye uqinisekile ukuba unokuhlawula amatyala kuwe - thumela kuphela iintlawulo ezongezelelweyo .
Faka inqaku ngetshekhi yakho ethi 'Faka isicelo kwinqununu'. Ngale ndlela, umnini-mboleko wakho akayi kudideka; baya kukwazi ukuba uzama ukuhlawula ngaphezulu, kwaye banokuqhagamshelana nawe ukuba kukho nayiphi na into efuna ukuyenza ngokuhlukileyo.
Enye yokuhlawula eyongezelelweyo
Uya kuhlawula ngokukhawuleza amatyala ngokufaka enye intlawulo yenyanga ngenyanga.
Ukuba intlawulo yakho yenyanga i-$ 1200, uhlawule i-$ 1200 eyongezelelweyo ngexesha elithile kunyaka. Ungasebenzisa imali kwimbuyekezo yerhafu okanye ibhonasi.
Ukuba unjengabantu abaninzi, kunokuba nzima ukuza kunye nentlawulo eyongezelelweyo. Enye indlela ukusabalalisa intlawulo eyongezelelweyo ngaphandle kwalo nyaka wonke. Hlukanisa intlawulo yakho yenyanga nge-12 uze ungeze loo mali kwiintlawulo nganye zenyanga. Intlawulo yakho ye-1200 iya kuba yi-$ 1300 yentlawulo (1200 eyahlula ngo-12 ilingana ne-100; i-100 kunye ne-1200 ilingana ne-1300).
Ukuhlawula amatyala ngeentlawulo ze-Biweekly Payments
Unokuhlawula amatyala ngokuhlawula iiveki ezimbini kuneenyanga zonke. Uya kugqiba ukwenza ulingana nomvuzo omnye wokuhlawula imali ngamnye ngonyaka . Xa uhlawula ityala ngenkokhelo ye-Yakoekly, akufanele ubone inguqu enkulu kwiindleko zakho zenyanga. Nangona kunjalo, uza kubona ukugcinwa okukrakra njengoko uhlawula amatyala kwiminyaka.
Iimboleko zeeLender zokuhlawula amatyala
Umboleki wakho unokufumana iindlela ezininzi zokukunceda ukuhlawula ityala ngokukhawuleza. Ezi nkqubo zinokufuna ukuba uhlawule imali eyongezelelweyo, ngoko uqaphele. Ukuba kulungele kuwe, qhubeka uhlawule iirhafu.
Ukuba awuyithandi imirhumo, fumana indlela yokuhlawula ixesha elide xa ugweba iiflawulo. Unako ukusetha iintlawulo zenyanga zenzekelayo kwi-bhanki yakho ye- intanethi yokuhlawula i-bill .
Qinisekisa ukuba iitsheki ziquka inqaku ethi 'Faka isicelo kwinqununu' kumgca weMemo .
Ezinye iikhampani, ngaphandle kweentengo zakho, ziza kuthobela ngokunyanisekileyo intlawulo yeprogram yokufumana ityala. Bathengisa iinkqubo zesofthiwe kunye neenkqubo zokusingatha zonke izinto kuwe (okanye ubuncinane ukuxelela ukuba wenzeni). Ngokuqhelekileyo akayidingi le nkonzo ngaphandle kokuba banokukunceda ukuxazulula ingxaki yokuziphatha. Ukuba awuyikuyenza nayiphi na enye indlela, yenza nayiphi na imisebenzi - kodwa qiniseka ukuba ugcina ngaphezu kokuchitha.