Fumana iMvuzo kunye neSihloko kwiNqwelo yeMali
Kukho amanyathelo amabini abalulekileyo ekuthengiseni ngempumelelo:
- Ukuhlawula ityala eliseleyo- mhlawumbi kunye neentengiso ezivela kumthengi wakho, kunye nayiphi na imali eyongezelelweyo oyifake kwitafile (ukuba imboleko yakho yemoto ihlaselwa phantsi ).
- Ukutshintshela isihloko kumthengi ngendlela ekhuselekileyo-kwaye uzive ukhululekile-kokubili kunye nomthengi.
Inkqubo iya kuxhomekeka kwimibandela emininzi, kubandakanywa nabathengisayo kuyo (Ngaba ngumthengisi okanye umthengi wangasese?) Kunye nalapho umboleko wakho ubanjwe khona. Nantsi ingqwalaselo ebalulekileyo malunga nendlela yokuthengisa imoto yakho.
Buza i-Lend yakho ikhokelo
Okokuqala, cela umnini-mboleko wakho oko kufuneka uyenze ukukrazula imali leyo kwaye uthengise imoto yakho. Akudingeki ukuba uzivelele zonke izinto - ziyenzile izihlandlo zezigidi, kwaye zinokukunceda. Mema nje kwaye nibuze ukuba banayo naziphi na iziphakamiso zokuthengisa imoto ngelixa umbolekiso ukhona. Umboleki wakho unokufumana i-ofisi yangaphakathi apho wena nomthengi banokuhlangana khona, okwenza ukuba ukuthengiselana kube lula. Buza ukuba kukho nayiphi na enye into ofuna ukuyifumana malunga nayo, njengezohlwayo zokuhlawulwa kwangaphambili kunye nexesha eliqikelelwayo lokuthunyelwa kwesihloko.
Fumana iMali yoMvuzo oyiNtlawulo
Uya kufuneka ukwazi ngokukodwa ukuba uninzi kangakanani na umboleki wakho ukuze ufumane isihloko esicacileyo.
Kucima ityala: Ngokwenene, mhlawumbi awuyi kuthengisa imoto yakho ngemali ehlawulwe. Kunoko, uya kukhulula umboleko ngelo xesha (okanye ngaphambili) uthengisa imoto. Buza umnini-mboleko wakho 'ngenani lemali' eliza kukuxelela ngokuchanekileyo ukuba bafuna ukukhupha i- lien kwisithuthi sakho .
Iileta zentlawulo: Ukuze wenze igosa, fumana incwadi yokufumana inzuzo , okuyixwebhu elivela kumboleki wakho. Iinkcukacha zibandakanya ukuba uninzi kangakanani umvuzo wakho olutshintsho usuku nosuku, kunye nemiyalelo yokugqiba intlawulo (umzekelo, iifomu zokufumana iintlawulo ezamkelekileyo, okanye apho uhamba khona ngemali). Unokuba ungazi kakuhle xa uza kuthengisa isithuthi sakho, kwaye iintlawulo zenzalo ziya kutshintsha inani lemali-mboleko yakho imihla ngemihla. Ukuxhotywe ngazo zonke iinkcukacha, awuyi kubanjwa ngothuso.
Injongo kukuhlawula ngokupheleleyo umboleko ngenye inzame ukwenzela ukuba isithuthi sakho sithengiswe.
Sula Isihloko
Ukugqiba ukuthengiswa, kufuneka udlulisele isihloko kumthengi wakho. Oku kubandakanya ukutyikitya umxholo wesihloko ukubonisa ukuba unika ubunikazi kumthengi. Kwamanye amazwe, isihloko sisebenza njengeliso-mali esithengiswayo kwaye sinika umthengi yonke into ayifunayo ukubhalisa isithuthi egameni lakhe (ukuba iqulethe umhla wokuthengisa, intengo yokuthengisa, kunye namasayinela omabini omabini).
Uninzi lwabathengi abayi kuhlawula ngaphandle kokuba unako ukubonelela ngesihloko esicacileyo - nokuba unayo okanye ungenza ukuba kutholakale ngexesha lokuthengiswa. Awuyi kuba nesihloko esicacileyo ukuba usenayo imali kwimoto - kodwa kukho iindlela ezininzi malunga naloo ngxaki.
Ukuhlawula umboleko?
Ukuba kunokwenzeka, into engcono ukuyenza kukuba uhlawule umboleko wakho ixesha elide ngaphambi kokuthengisa imoto. Ngale ndlela, uya kuba nesihloko esicacileyo sokuba ungasayinela kumthengi. Oku kukhangeleka kakhulu kumthengi, ngoko uya kuba nexesha elilula ukufumana intlawulo oyifunayo. Ukuba usenayo imali kwimoto yakho kwaye ukufumana isihloko siya kuba yintlekele, abanye abathengi banganqikaza ukuthenga.
Khumbula ukuba uza kufumana imali emva kokuba uthengise imoto, ukuze ukwazi ukutshintsha nayiphi na imali oyisebenzisayo ukuhlawula imali.
Ukuba uhlawula umhlala-phantsi ngemali yakho mboleko, ukuhlawula ibhalansi eseleyo akulula kakhulu - kuya kufuneka ufike ngemali eyongezelelweyo (ngasentla naphaya koko ungayithengisa imoto) ukuhlawula imali yakho mboleko.
Ukuba ufuna imali engaphezulu, fumana imali-mboleko engabizi kwaye uyihlawule ngokukhawuleza-kwaye uthenge imoto engabizi.
Ababolekisi be-intanethi yindawo enhle yokujonga (kuquka iontanga kwiingxowa-mboleko zontanga ), okanye nje ucele malunga neengxowa-mboleko zakho kwibhanki yakho yasekhaya okanye kwimanyano yemboleko.
Ukurhweba nomthengisi?
Inketho elula: Ukurhweba kwimoto yakho kulula kunokuba uthengise umntu. Abadayisi bahlala becwangcisa ukuthengiselana okunje, kwaye baya kujongana nazo zonke iimaphepha emva kwemifanekiso. Emva kokuhlawula imali mboleko yakho ngaphambi kwexesha, yinto yesibini ekhethekileyo (ngokufanelekileyo). Unokuba usenokukwazi ukuthengisa kumthengisi ngaphandle kokuthenga enye yemoto yakhe - abanye abathengi bahlawula i-autos esetshenziselwa ukuzithengisa kwinqanaba okanye ukuzithumela kwintengiso.
Imali encinci: Ukuthengiswa kwemali kwimoto yakho yemali ayiyi kukhulula. Unokufumana okungakumbi imoto yakho xa uthengisa kumthengi wangasese (ngokusebenzisa ukwahlula okanye inkonzo ye-intanethi). Okongeza, unokugqiba ukutshintshwa kwetyala kwikomoto enye ukuya kwelinye, ekugqibeleni ekugqibeleni i-snowball yolawulo. Ukuba uhlaselwa phantsi kwintengiso yakho , kuyingozi ukuxhasa enye imoto.
Abathengi Bangebucala Abakuthembayo
Uya kufumana intengo efanelekileyo yemoto yakho xa uthengisa kumthengi wangasese ofuna ukuba ngumnini kunye nokuqhuba imoto. Ukuba umthengi uthembele kuwe, kusenokuba kulula ukuthengisa imoto ngokuqonda ukuba isihloko asikabikho. Oku kuyingozi kumthengi, kodwa ukuba uyibhala yonke into, akuyona into ebaluleke kakhulu kwihlabathi. Unganika izihluthulelo, uhlawule umboleko ngemali yokuthengisa, uze usayine isihloko emva kokuba ufumene kwi-mboleko yakho (okungathatha iiveki eziliqela). Unokucela ukuba umthengi wakho ahlawule umboleki ngokuthe ngqo ukuba loo nto iziva ekhululekile, kodwa oku kusenokuba nethemba elikhulu.
Ukuba uhlawula phantsi kwemali mboleko yakho, kuya kufuneka uncedise intlawulo yomthengi ngemali yakho.
Unokulingwa ukuba umthengi athathe iintlawulo zakho kwaye ushiye imali ekhoyo ekhoyo. Nangona kunjalo, oku kuluvo olubi - usuxanduva lwetyala de lihlawulwe (kungakhathaliseki ukuba ngubani onotshixo).
Uhambo oluya eBhanki
Ngomthengi ongathandabuzekiyo, unokufuna ukumisela ixesha elithile lokutyelela ibhanki yakho ndawonye (kuthathwa ukuba umboleki wakho unamagatsha asekuhlaleni). Umthengi wakho unokuzisa iimali zokuhlawula umboleko, kwaye unako ukufumana isihloko esicacileyo ngokukhawuleza uze uyisayine kumthengi. Oku kuthatha isicwangciso esithile kunye nomthengi ozimisele ukuhamba konke oku kunye nawe. Biza ibhanki yakho phambi kwexesha ukuqinisekisa ukuba amaxwebhu afanelekileyo (njengesihloko sakho) kunye namalungu abasebenzi baya kufumaneka xa usaya kwiofisi.
Iqela elithathu elithembekileyo
Enye inxaxheba kukusebenzisa isixazululo sokungathathi hlangothi (ozobathembayo bobabini) ukuqinisekisa ukuba le ntsebenzo iyahamba kakuhle. Iinkonzo zokuhlaselwa ziyakwazi ukukhusela abathengi kunye nabathengisi, kwaye ungasebenzisa inkonzo yokucima i-intanethi ukuququzelela umcimbi: Ukuba umthengi akahlawuli, ugcina isihloko. Ukuba awuyi kuhambisa isihloko kunye nesithuthi, awufumani nayiphi na imali. Isibalulekileyo kukufumana umntu wesithathu onokuhlawulekayo kwaye kulula ukusebenza naye.