Indlela yokuhlawula ngaphandle kweTyala leKhadi leMatyala elilungileyo

by Justin Pritchard

Inkokhelo yekhadi lesitaliti inetyhefu. Unokwenza usebenzise imali engama-dollar inyanga nganye, ungabi nantoni yokwenza imali.

Kodwa kukho enye indlela: xa uhlawula amakhadi akho ekwereta, yonke loo mali iya kufumaneka kwizinto ezibaluleke ngakumbi. Uyakwazi ukucwangcisa nokugcina iinjongo zexesha elizayo, kwaye uya kuziva ucinezelo oluncinci inyanga nganye xa iindleko zakho zifanelekile.

01 Indlela Ehamba phambili

Ukuba usifikile kwindawo apho ulungele ukuhlawula ityala lakho lekhadi lesikweletu - kodwa awuqinisekanga ukuba ungakwenza njani - ixesha lokuba wenze isicwangciso. Oku akumele kube nzima. Enyanisweni, usenokwenzeka ukuba uphumelele ngesicwangciso esilula (kodwa esiqinileyo). Siza kugxila kwiindawo ezintathu eziphambili:

Isicwangciso sokuhlawula amakhadi akho
Iindlela zokuhlawula umdla omncinci ngelixa unciphisa ityala
Iingcamango zokuphepha

Izinto zokuqala kuqala: uzakufuna imali ukuhlawula ityala lakho. Ingaba ufumana ngaphezulu, uchithe ngaphantsi, okanye uthengise izinto ongazifuni ngokwenene, oku kuyenzeka ukuba unako ubuncinci benkcitho engaphezulu. Ngaba ufuna iingcamango ngeendlela zokonga? Nazi ezi-25 zazo.

Unokwenza ngokuqinisekileyo ukuba uyayithanda - akusoze yinto engalunganga ukuphonsa imali eyongezelelweyo kwiibhilidi zekhadi lakho lesikweletu. Kodwa ngocwangciso oluncinane, uya kwandisa ithemba lakho kunye namathuba okuphumelela.

02 ISicwangciso soBulungisa

Ukuhlawula amatyala, kuya kufuneka uhlawule ngaphezu kokuncinci. Kodwa yintoni na ukuba ufanele uyenze loo nto? Naliphina iintlawulo ezingaphezulu naphaya kweentlawulo zakho ezifunekayo ziya kunceda ukunciphisa ityala, kwaye kukho izicwangciso ezimbini ezithandwayo abanye abazisebenzise ngempumelelo.

Amatyala e-snowball: "ityala le-snowball" yindlela yokwakha umxhelo njengoko unciphisa ityala. Ephakanyiswa nguDave Ramsey, le ngcamango kukuhlawula kuqala ityala lakho elincinci kuqala, ngoko uhlawule ibhalansi yakho encinane kakhulu, kwaye usebenze indlela yakho. Ngokomzekelo, ukuba unamakhadi amabini esikweleti, enye ene-$ 400 ibhalansi kunye nelinye nge-$ 2000 ibhalansi, uya kuhlawula i-$ 400 khadi kuqala. Le ndlela iziva iyona nto ibhetele - ufumana ukuphumelela ngokukhawuleza nangokunyanisekileyo kwindlela oya kuyo kwinkululeko. Izifundo kwiimali zokuziphatha zisitsho ukuba abanye abantu banamathele ngakumbi kwinkqubo ngale ndlela.

I-avalanche yematyala: enye indlela yindlela "efanelekileyo yemali". Esikhundleni sokuhlawula kuqala ibhalansi yakho encinci kuqala, uya kugxininisa ekuhlawuleni amatyala ngenqanaba lokuqala lemali . Ngokomzekelo, ukuba unamakhadi a matyala amabili, omnye uhlawula u-10% u- APR kunye nomnye uhlawula u-18% u-APR, uza kuhlawula ikhadi elihlawula i-18% ngokukhawuleza. Nangona unako ukusula ikhadi le-10% ngokukhawuleza (kwaye kuya kuthatha iminyaka emininzi ukuhlawula ikhadi le-18%), umgomo wakho ukuhlawula inzala encinci kangangoko kunokwenzeka . Ngeke ufumane ukwaneliseka okufanayo kwengqondo njengoko ungayenza ngetyala le-snowball, kodwa liza kubiza ngaphantsi kwexesha elide.

Yiyiphi indlela ofuna ukuyisebenzisa? Lowo usebenzayo-nokuba ulungile. Injongo enkulu yemifanekiso kukuhlawula amatyala akho, kwaye ngelixa kungenza umqondo weemathematika usebenzise i-avalanche yetyala, ayenzi nantoni na ngaphandle kokuba uhlawule ityala. Ukuba udimazekile kwaye ulahlekelwe yimpembelelo (okanye ubone oko kwikamva lakho), zama i-snowball yetyala.

Ukuba ufuna ngokwenene ukubona ezi zicwangciso ezimbini, qhafaza amanani ngokwakho. Akunzima kakhulu ukwakha itafile ebonisa indlela iintlawulo zakho zekhadi lesikweletu (kunye neentlawulo ezongezelelweyo) zokusebenza .

03 Ngoxa ulinde

Kuya kuthatha ixesha lokuhlawula ityala lekhadi lesikweletu-mhlawumbi iminyaka emininzi. Ukuba unako ukudlulisela ityala kwi-mboleko yemali engaphantsi, uza kusindisa imali (kwaye uhlawule ngokukhawuleza ityala lakho). Izizathu eziphambili zokunamathela kumakhadi-mboleko zi nokuba:

Ukuba unayo ikhadi lekhredithi ye-APR% 0%
Uya kusebenzisa ukuhanjiswa kwekhadi lekhredithi ukuxhamla ukunikezelwa kwepesenti zokunyusa (kwaye uya kulawulo lwetyala lakho)

Ezinye iindlela zeeKhadi

Ukuba uhlawula kakhulu kwikhadi lakho lekhredithi, kukho ezinye iindlela ezininzi. Unokugqiba nokuba udibanise amatyala akho (okanye udibanise yonke imali yakho mboleko kwimali mboleko enkulu) - ingakumbi ukuba unako ukufumana inzala engcono.

Ziziphi iintlobo zemali-mboleko ongazisebenzisa ukudibanisa ityala lekhadi lesikweletu? Kungcono ukusebenzisa iimali-mboleko ezizimeleyo : ezi zibolekiso ofanelekile ukuba zisekelwe kuphela kwizikolo zakho zemali kunye neengeniso. Awunayo into yokubambisa (oko kuthetha ukuba awuyi kulahlekelwa nayiphi na into exabisekileyo ukuba awukwazi ukuhlawula imali-mboleko- nangona i-credit yakho iya kubandezeleka ). Inkokhelo yekhadi lesikweletu sele isele ityala elingalindelwanga, ngoko ke ufuna isidingo esihle sokutshintsha imali ebolekileyo.

Intsapho yokubolekisa ngemali mboleko mboleko zivela kwabanye abantu , nangona ngamanye amaxesha ibhanki iboleka imali. Endaweni yokuboleka kwibhankini yendawo okanye inkontileka yekhredithi, ufaka isicelo semboleko kwintanga yakho kwi-website yokubolekisa iontanga. Abantu abanemali engaphezulu banokungena ekuxhaseni imali mboleko yakho, kwaye uya kudla ukuhlawula umyinge ongaphantsi kwenzalo kunokuba ungahlawulwa kubaboleki bendabuko okanye abakhishi bekhadi lesikweletu.

Ababolekisi bemakethe ye-Intanethi bayalandela isizukulwana esilandelayo seontanga kubaboleki baontanga . Kwakhona, uboleke kakhulu kubalimi abangabikho bhankthi: abatyalo-mali (nokuba ngaba ngamaziko, amabhanki, okanye neminye imibutho) kunye nemali eyongezelelweyo inokugqiba ukuba ingahlawulanga okanye ayiyi kuxhaswa mboleko yakho, ngokuqhelekileyo isekelwe kumanqaku akho kunye neholo. Ukuba unetyala elibi okanye awuzange wakha ikhredithi yakho , aba babolekisi bangabuka kwiimithombo "zenye" zengcaciso ukugqiba ukuba ngaba uvumelekile okanye uvumelekile.

Amabhanki kunye neemanyano zemali-mboleko nazo zifanelekile ukujonga. Ngokuqhelekileyo banokubonelela ngemali-mboleko engaqinisekisiwe kunye namanani aphantsi kakhulu kunamanani entengo yekhadi lesikweletu. Ngamanye amaxesha iintengo zemboleko zithengwa kakhulu kuneebhanki (kwaye zizimisele ukuvuma iimali-mboleko), ngoko qi

Imiba

Ukuba udibanisa amatyala, uya kufuna ukwazi ezimbini iingxaki.

Akukho zihlomelo: emva kokuhlawula ikhadi lekhredithi kunye nemboleko yokuhlanganiswa, uzama ukusebenzisa le khadi kwakhona kwaye uhlawule ityala. Musa ukwenza. Khumbula ukuba awuzange uhlawule naliphi na ityala-kodwa uguqule ityala lakho kwenye indawo.

Iintlawulo eziphezulu: ukuba usebenzisa i-mboleko yokuhlanganiswa, unakho ukufumana iintlawulo ezongezelelweyo zenyanga ngaphezu kwayo yonke inkokhelo yekhadi lesikweletu "iincinci" iintlawulo ezidibeneyo. Kungenxa yokuba ngokwenene uhlawula ityala lakho - kwaye uya kuyenza rhoqo kwiminyaka emithathu ukuya kwemihlanu. Qinisekisa ukuba uyazi oko ungena phambi kokuba uvumelane nantoni na. Sebenzisa i-calculator amortization calculator ukubona indlela iintlawulo zakho zibukeka ngayo (usebenzisa umboleko wesikhokelo kunomvuzo wekhadi lesikweletu) ngaphezu kwexesha leminyaka emithathu.

04 Yintoni ekufuneka uyigweme

Usuke unetyala lekhadi lekredithi elibizayo, kodwa izinto zingaqhubeka zibi kakhulu. Kuzama ukuhamba ukulungiswa ngokukhawuleza, kwaye ezinye zezilungiso "zisohlwayelwa nje ukuba zisebenze." Kodwa ukuba uya kusebenzisa izicwangciso ezingezantsi, qaphela ukuba unokuba wenza iphutha elibi elinokukukhohlisa ixesha lobomi.

Ukuhlawula umhlalaphantsi

Uphi umthombo wakho omkhulu wemali? Kwabaninzi, ku-akhawunti yomhlala-phantsi njengo-401 (k) okanye i-IRA. Uchithe iminyaka ukwakha ezo ndolozo, kwaye awuyi kubadinga naliphi na ixesha kungekudala, ngoko kutheni ungazisebenzisi ukuhlawula ityala lekhadi lesikweletu?

Ingxaki kukuba uya kufuneka uqale ukususela xa ufika ekulondolozeni umhlalaphantsi. Ukhulile ngoku ngaphezu kwakho xa uqalise ukugcina umhlalaphantsi. Ukuze ubuyele apho ukhona, kuya kufuneka ube negalelo elikhulu kwiakhawunti yakho yomhlala-phantsi - mhlawumbi imali engenakulungiswa (okufana neentlawulo zekhadi lakho lesikweletu). Uza kuxazulula enye ingxaki, kodwa uza kudala enye eyahlukeneyo - kwaye ayiyi kubakho izilungiso ezikhawulezayo ezifumanekayo kamva.

Unokukubona oku njengendlela yakho yokuphela kokungagqibekanga kwiimali-mboleko okanye ukutshatyalaliswa, kodwa kufuneka uxoxe nommeli wengingqi kunye nomcwangcisi wezemali phambi kokuba uthathe iifom zomhlalaphantsi. Kwezinye iimeko, ukugcinwa kwakho komhlalaphantsi kukhuselwe kubaboleki-ngaphandle kokuba uzinikele ngokuzithandela imali. Ngaba bekungeke kube mnandi ukuba ubuncinci babe neefayili egameni lakho, nokuba ngaba kufuneka uvakalise ukutshatyalaliswa kwebhanki?

Ukubambisa (Kubalulekileyo) Ukubambisana

Ukuba unamazinga aphantsi okuthenga ngetyala okanye ufumane imali engenako ukufumana imboleko, ungalingeka ukuboleka kwizinto zakho. Ngelishwa, unokwenza umngcipheko apho ungenalo ngaphambili: ukuba unqamle ukwenza iintlawulo zekhadi lesikweletu, izikolo zakho zekredithi ziza kuhlahla, kodwa akukho mntu unokuza kwaye aphinde abuyele imoto yakho okanye akukhuphe ngaphandle kwekhaya lakho.

Ukuba ufumana imali mboleko yemali , uza kufumana imali eninzi kwizinga elincinci lomdla. Nangona kunjalo, ezo mboleko zigcinwe ngumntu ohlala kuyo . Ukuba uhluleka ukuhlawula mboleko, ababolekisi bangaphinda bahlasele indlu baze bathengise ukuze babuyiselwe imali yabo.

Kuyafana neenkontileka zetayitile yemoto : unokufumana imali ngokukhawuleza, kodwa kufuneka wenze zonke iintlawulo zakho ngexesha. Ukuba ungekho isithuthi sethu esinokubuyiselwa kwakhona, kwaye kuya kuba nzima ukufika emsebenzini kwaye ufumane umvuzo. Oku kuya kwenza kube nzima ukuhlawula amatyala.