Iinyaniso Ngokungahlawulwanga Iindleko Zemivuzo
Ukuba ulingeka ukuba usebenzise umboleko ngaphandle kweendleko zokuvala, kufuneka uqonde indlela abasebenza ngayo, ukuba yintoni i-tradeoffs, kwaye xa benza ingqiqo.
Naliphi na ixesha uboleka imali, umntu uyahlawulwa. Umboleki ufumana inzala elula ukuyiqonda, kodwa kuthekani ngeendleko zokuthenga? Iindleko zexesha elilodwa lokuhlola iitaliti, ii-appraisals, iifizi zokuqala, kunye nokukhangela kwephepha kufuneka zihlawulwe. Ababolekisi bemali bafumana ikhomishina, kwaye abanye banokufumana imali yokudlulisela imali. Ngubani ohlawula xa iindleko zingaboniswa ngokucacileyo?
Akukho Iindleko Zokuvala = "Ixabiso Eliphezulu"
Xa usebenzisa i-loan yeendleko zokuvala, uhlawula iirhafu. Uya kuphawula ukuba le mboleko inomyinge ophezulu . Esikhundleni sokuhlawula phambi kwesibalo semali (ngokubhala isheke, umzekelo), uhlawula ixesha elincinci ngaphezu kwexesha. Iindleko zithe zongezwa - kwiincinci ezincinci - kwintlawulo nganye ngenyanga.
Oko kungekhona into enhle okanye embi. Umbuzo yimalini oza kuhlawula inyanga emva kwenyanga - kwaye ngaba le ngxaki engcono kunokuhlawula zonke iindleko kwangoku?
Ukuze uqaphele oko, ungadinga ukwenza izibalo ezimbalwa, kwaye kuya kufuneka wenze ezinye iingcamango malunga nokuba uza kugcina njani umboleko (ngaphambi kokuba uthengise ikhaya okanye uhlawule umboleko kwimali mboleko ehlukile).
Imboleko ngemali ephezulu inzala kuthetha ukuba uya kuba neenyanga eziphezulu zokuhlawula. Ukuba unolwazi malunga nendlela esebenza ngayo, jonga indlela yokubala iintlawulo zenyanga - inzala yenzalo "isithako" kwisibalo. Thelekisa iirhafu ezifumanekayo kwimali mboleko kunye nangaphandle kokuvala iindleko.
Ngokomzekelo, umehluko unokuba ngu-0.5% (fumana iicatshulwa zangempela kubathengi ngokusekelwe kumbolekisi wakho kunye namanqaku esikweletu ukuba usebenze kunye namanani afanelekileyo).
Kwimali mboleko engama-250,000, inqununu yenyanga kunye nentlawulo yenzalo iya kuba yi-$ 1342.05 xa uboleka ku-5%. Ukuba uhlahlela ukuya ku-5.5% (kuba awuyi kuhlawula iindleko zokuvala), intlawulo iya kutshintsha ku-$ 1419.47. Zingaphi iinyanga ezifanele ukuhlawula i $ 77.42 ngaphezulu ngenyanga? Kuya kuxhomekeka kwiindleko zokuvala, kwaye ufuna kangakanani ukugcina imali kwi-pocket yakho.
Xa kungekho Iindleko Zokuvala Ziyindlela Efanelekileyo
Ukuhlawula okunye inyanga nganye akubi kubi. Inokuzikhethela kwezinye iimeko. Ngokuqinisekileyo, kufuneka ubeke isigqibo sakho kwisithombe esikhulu - kungekhona intlungu ezayo yokubhalela iindleko ezinkulu zokuvala iindleko namhlanje.
Ukuba amaxabiso aya kuhla ngexa elizayo, kungenokuba kunengqiqo ukuhlawula iindleko ezinkulu ngaphandle kwesikhwama ukuvalela imali ephezulu. Unokuzama ukuhlawula imali encinane kwinyanga nganye, uze uhlaziye umbolekisi ukuba amaxabiso awela. Ngelishwa, awunakuqiniseka ngotshani, ulawulo, okanye ixesha lokutshintsha kwezinga lomdla, ngoko kufuneka wenze ezinye iingcamango kwaye uthathe ingozi (nokuba uhlawula iindleko ngaphandle kwephepha okanye awuyiyo).
Ukuba unesiqiniseko sokuthi uza kuyithengisa indlu okanye uhlaziye umbolekisi kwiminyaka embalwa (iminyaka emihlanu okanye ngaphantsi, masithi), kuya kusengqiqweni ukunqumla ukuhlawula iindleko zokuvala ngoku.
Uya kuhlawula loo ntlawulo ephezulu yenyanga nje kwiminyaka embalwa-kungekhona ixesha elipheleleyo leminyaka engama-30. Unokwazi ukuba utshintsho lomsebenzi lukamva lakho, okanye imiba kwingxelo yakho yekhredithi iya kukuvumela ukuba ufumane imali engcono ngakumbi kwixesha elizayo. Kwakhona, akunakwenzeka ukuqikelela ikusasa, kodwa unako ukwenza iiplani kunye nentloko kweso sihlandlo.
Xa iNgcamango embi
Kubuhlungu ukuhlawula iindleko ezinkulu okwangoku, kodwa oko ku nokuba yinto efanelekileyo ukuyenza ukuba unokuzibeka ngokufanelekileyo kwixesha elide. Ukugcina inkokhelo encinci yenyanga ngenyanga ezayo kunokukunceda uncedo lwemozulu yezinto ezinzima zobomi (kwaye uchithe ubuncinane, xa ugqiba ukugcina imali mboleko ixesha elide).
Cinga kabini malunga nokuthatha isantya esiphezulu (kungekho zindleko zokuvala) xa:
- Amaxabiso aphantsi, kwaye ulindele ukuba avuke
- Uya kugcina umboleko iminyaka emininzi
- Unako ukuthenga ukuthengwa kwexabiso elincinci
Indlela yokufumana iMboleko engcono
Ukuba unomdla kuzo zonke iimali mboleko zokuvala, qiniseka ukuba uqwalasele yonke into kwaye uchithe ubuncinane ixesha elithile eliqhuba amanani. Ewe, uvakalelwa njengomsebenzi wesikolo, kodwa sisigqibo esibalulekileyo. Emva koko, thengisa.
Uyakwazi ukufumana izicatshulwa ezahlukeneyo kumthengisi omnye - ezinye zazo ngeendleko zokuvala kunye nabanye ngamanqanaba ahlukeneyo eendleko zokuvala. Ngezo zonke iinketho phambi kwakho, uya kubona ukuba unokufumana ixabiso leendleko eziyamkelekileyo kuwe.
Yenza okunye ukuthelekisa ngeentengiso. Buza abathengi abaninzi bebhanki kunye nebhanki yakho okanye umanyano wekhredithi kwiingcaphuno. Hlola nge-lender online. Uya kufumanisa ukuba bahlawula iindleko zokuvala ngokuhlukileyo kwaye banokunikela amaxabiso ahlukeneyo.
Iindleko zokuvala ziyinkimbinkimbi, kwaye akukho mali yokuvala iindleko mboleko azihlali zibiza ngexabiso eliphantsi njengoko zibonakala ziphantsi. Qinisekisa ukuba uyaqonda ukuba iindleko zokuvala zisebenza njani ngaphambi kokutsala i-trigger.