Nciphisa iNqanaba eliMatyala eliPhakamileyo
Isilinganiso sakho semali-ngeniso semali sibonisa ukuba ipesenti yengeniso yakho iya kuhlawula ityala lakho ngenyanga. Umlinganiselo ophantsi we-debt-to-income ratio, bhetele kuba kuthetha ukuba awuchitheli imali eninzi ehlawulwayo. Ngakolunye uhlangothi, umlinganiselo ophezulu weentlawulo-mboleko uthetha ininzi yakho yengeniso isetyenzisiweyo kwityala, ukushiya imali encinci ukuyichitha kwezinye iindleko okanye ugcine.
Unako ukubala inani lakho lemali-ngeniso ngenzuzo yokufaka iintlawulo zakho zenyanga zematyala, kubandakanywa namakhadi-mboleko kunye nemali-mboleko, uze uhlule le nombolo ngenzuzo yakho yenyanga.
Yandisa umphumo we-100 ukufumana ipesenteji. Ngokomzekelo, ukuba uchitha i-$ 1200 ngenyanga nganye kwi-matyala kwaye ube nenzuzo yenyanga engama-4,000, ityala lakho kwinani lokufumana imali liya kuba ngu-30%.
Yiyiphi Imilinganiselo yeMatyala ePhakamileyo?
Ukuba inani lakho lemali-ngeniso lifumana ngaphezu kwama-50%, unenene-mali eninzi . Oko kuthetha ukuba uchitha ubuncinane isiqingatha semali yakho yenyanga ngetyala. Phakathi kwama-37% kunye no-49% awunasisindo, kodwa ezo ziyizibalo ezinobungozi. Ngokufanelekileyo, isilinganiso sakho semali-kuya-ngeniso kufuneka sibe ngaphantsi kwama-36%. Oko kuthetha ukuba unemithwalo ehlawulwayo yemali kunye nemali eseleyo emva kokuba wenze iintlawulo zakho zenyanga zematyala.
Impembelelo yoLungiso lweMatyala aphezulu ukuya kuNgeniso
Umlinganiselo ophezulu weetyala-kuya-ngeniso unokuba negalelo elibi kwimali yakho kwiindawo ezininzi.
Okokuqala, unokuba nzima ukuhlawula iindleko kuba ininzi yengeniso yakho yenyanga ifikelela kwiintlawulo zematyala.
Umlinganiselo ophezulu wesikweletu-kuya-ngeniso uza kwenza kube nzima ukufumana imvume yokubolekwa kwemali-mboleko, ingakumbi umboleko wemali okanye umboleko wemoto.
Ababoleki bafuna ukuqiniseka ukuba unokukwazi ukwenza imali yakho yenyanga mboleko. Iintlawulo eziphakamileyo zeetyala zihlala zibonakalisa ukuba umntu obolekayo uya kulahleka iintlawulo okanye ayikho phantsi kwemboleko.
Ngelixa umlinganiselo wakho wekhredithi awuchukumiswanga ngokuthe ngqo kumlinganiselo ophezulu weetyala-kuya-ngeniso, ezinye zezinto ezifaka isandla kumlinganiselo ophezulu-mboleko-ngeniso zingakonakalisa amanqaku akho .
Ngokukodwa, ikhadi lekhredithi ephezulu kunye nezilinganiso zemali-mboleko, ezinokudlala indima kwinqanaba lakho eliphezulu-mali-ngeniso, linokulimaza amanqaku akho.
Indlela Yokunciphisa Ukulinganiswa Kwetyala-kuya kuNgeniso
Kukho amaxesha apho kunomlinganiselo ophezulu weetyala ukuya kwinzuzo. Ngokomzekelo, akuyikrele ukuba ube nomlinganiselo ophezulu ukuba uhlawule ngokukrakra ityala lakho. Ngakolunye uhlangothi, ukuba umlinganiselo wakho uphakamileyo kwaye wenza kuphela intlawulo encinci, le ngxaki.
Ngokuqhelekileyo, kukho iindlela ezimbini zokunciphisa umlinganiselo wakho weetyala. Okokuqala, unokwandisa ingeniso yakho. Oku kungathi ukusebenza ixesha elingaphezu kwexesha, ukucela ukunyuswa kwemivuzo, ukuthatha umsebenzi wesikhewu, ukuqala ishishini, okanye ukudala imali kwi-hobby. Ngaphezulu unako ukwandisa ingeniso yakho yenyanga (ngaphandle kokukhawuleza ukunyusa iinkokhelo zakho zetyala) inqanaba elingaphantsi kwenqanaba lakho lemali-ngeniso liya kuba.
Indlela yesibini yokunciphisa umlinganiselo wakho kukuhlawula ityala lakho. Nangona uhlala kwintlawulo yokuhlawula ityala, inqanaba lakho lokunyuka kwamatyala liza kunyuka okwesikhashana ngenxa yokuba usebenzisa imali engaphezulu kwenyanga yakho kwiintlawulo zetyala. Kungenxa yokuba iphesenti ephakamileyo yengeniso yakho iya kufikelela kwisikwere. Ngokomzekelo, ukuba ingeniso yakho yenyanga ingama-$ 1,000 kwaye ngoku uchitha i-$ 480 kwindleko inyanga nganye, ngoko umlinganiselo wakho u-48%.
Ukuba unquma ukuchitha i-$ 700 ngenyanga kwiintlawulo zetyala, ke umlinganiselo wakho uza kunyuka ukuya kuma-70%. Kodwa, xa uhlawule ityala lonke indlela, umlinganiselo wakho uza kuhlahlela ku-0% ngenxa yokuba awuyi kuphinda uchithe imali yakho ngeniso.