Ungasindisa imali, kodwa unokwenza izinto zibe zibi nakakhulu
Ukuxhaswa kweMali yokuThengisa imali
Kutheni ungathanda ukuhlaziya?
Unako ukugcina imali eninzi, kwaye ngoku kubangelwa isizathu esona sizathu sokuhlaziya.
Ngokukodwa, ukuhlaziya kwakhona kunokukuvumela ukuba uchithe imali encinane kunomdla wakho. Kukho iindlela ezininzi zokunciphisa iindleko zenzalo:
- Ukuhlawulela kwisantya somyinge ophantsi ukwenzela ukuba uhlawule ngaphantsi kwe-balance balance yakho .
- Tshintshela kwixesha elifutshane lemali-mboleko, nangona kuthetha iintlawulo eziphezulu zenyanga, ngoko uhlawula inzala kwiminyaka embalwa.
- Ukuhlanganiswa kwamatyala aphezulu amanqanaba kumatyala aphantsi kwentlawulo.
Ngethamsanqa, kukho indlela yokufumanisa ukuba uya kusindisa imali: Yenza iinombolo. Akunzima ngakumbi ukubala ukugcina imali yokucoca . Nangona kunjalo, ngelixa ukunciphisa iindleko zakho zokuhlala kwinqanaba lokuphila lizilumko, ukuhlaziya kunye naloo njongo akusoloko kukhethwe ngokufanelekileyo.
Ukutshintsha kwetyala. Isicwangciso sesithathu esibhalwe apha ngasentla-ukuhlanganiswa kwetyala-inzala-nentshisekelo ephakamileyo. Ukuba uhlaziya amatyala angakhuseli anomboleko okhuselekile, uthatha ingozi eyongeziweyo.
Umzekelo, ungasebenzisa imboleko yemali yokulinganisa ikhaya ukuhlawula ityala lekhadi lesikweletu. Ewe, uya kuhlawula ityala ngexabiso eliphantsi, kodwa ubeke ikhaya lakho engozini. Ukuba ungekho phantsi kwetyala lekhadi lesikweletu, akunakwenzeka ukuba inkampani yekhadi lekhredithi ingabhenqa kwikhaya lakho. Kodwa xa uthembisa ikhaya lakho njengento yokubambisa ngokusebenzisa imboleko yokubolekwa kwemali, ikhaya lakho lidlala umdlalo.
Iintlawulo eziphantsi. Inkokhelo ephantsi iqhelekileyo isetyenziswe njengesizathu sokulungiswa kwakhona. Nangona kulungile ukuhlawula ubuncinane inyanga nganye, qiniseka ukuba ujonge umfanekiso omkhulu. Ukwandisa imali-mboleko (ukuqala ngemali-mboleko yeminyaka engama-30 xa uneminyaka eli-15 kuphela, umzekelo) unokwandisa inani eliyintlawulo ohlawula ngayo ubomi bakho. Ukuqonda ukuba kutheni, sebenzisa ityati yentengiso ebonisa ukuba unomdla onjani ohlawula rhoqo ngenyanga. Kwimali-mboleko emitsha yexesha elide, iintlawulo kwiminyaka yokuqala zenza i-toit encane kwibhalansi yakho mboleko.
Ukutshintshwa kwintlawulo yemali yokuboleka imali (ARM) enye indlela yokunciphisa intlawulo yakho. Nangona kunjalo, inzala yenzalo kule mboleko ingakhula, kwaye inkokhelo yakho inokunyuka ngelinye ilanga iphakanyiswe kwinqanaba elingenakulungiswa. Kufuneka uhlaziywe kwi-ARM kuphela xa uzimisele kwaye unako ukuthatha umngcipheko weentlawulo eziphezulu ngenyanga .
Ezinye izizathu zokuQinisekisa
Usuyazi ukuba kufuneka uhlaziye xa unokugcina imali, kodwa kuthekani ngamanye amasu?
Ukunciphisa umngcipheko. Ukuhlaziywa kwemali kunokuba yinto efanelekileyo nangona ungafumani umyinge ophantsi okanye umboleko wesikhashana omfutshane kwezinye iimeko. Umzekelo, unokuhlaziya ukuphuma kwi-ARM. Ukuba unenkxalabo malunga nokunyuka kwezinga lomdla kwixesha elizayo, ukuhlaziywa kwi -mortgage rate rate kuza kukunika ubungqina obuthe xaxa-nangona ukuhlawula kwenyanga yenyanga (kunye nenani lentengo) liphezulu.
Hlola ireyithi zangoku kwii-mortgages ezilinganiselwe, ukulindela ukutshintshwa kwezinga, kunye ne-ARM yakho ekhoyo ukuba ishintshe.
I-detox yetyala. Unokuphinda uthathe imali ukuze udibanise amatyala aphezulu-nzala, kodwa khumbula ukuba ungagqiba ukuthatha ingozi ngakumbi kunokuba wawukho ngaphambili. Oku kuthethi, ukuba unesicwangciso esiqinileyo sokuphelisa amatyala enobungozi, isicwangciso sinokusebenza. Ukuba isicwangciso siphumelele, unokujamelana nomngcipheko wokulahlekelwa ngumzi wakho kwi-foreclosure okanye ukuba isithuthi sakho sibuyele .
Ukutshala imali kwikamva lakho. Abanye abanikazi bezindlu basebenzisa ukuhlaziywa kwemali-mali ukuhlawula imfundo, ukuphucula ikhaya okanye ukuqala ishishini. Nangona loo misebenzi ibhetele kunokuhlawula iindleko ezibizayo okanye ukusetyenziswa okuqhubekayo, isicwangciso sinokubeka kwindawo engakumbi kunokuba wawukho ekuqaleni.
Yintoni omele uyibukele
Ukuba ucinga ukuba lixesha lokucoca, phangela oku kulandelayo:
- Iindleko zokuvala . Ezi zindleko ziya kwongeza kwiindleko zemboleko yakho, kwaye ziyakususa nayiphi na inzuzo ekunciphiseni inzala yakho. Kuzama ukugqithisa loo ndleko kwi-balance balance , kodwa kungcono ukuba uhlawule ngaphandle kwepokothini.
- Izigwebo zokuhlawulwa kwentlawulo ngomboleko oza kuhlaziywa kuwo.
- Ukuba ikhaya lakho lilahlekelwe ixabiso, ngaba kufuneka udibanise i-inshurensi yangasese yangasese (PMI)?
- Ukuba uhlaziywa, unokuguqula umboleko wesibophelelo sokungahlawulwanga ngetyala . Ukuba wenza njalo, unokuvula umngcipheko wesikwereti sakho esitsha ukuhlawula umvuzo wakho nokuthatha esinye isenzo ngokuchasene nawe xa uhamba ngokuchaneka.
- Ubulungisa bekhaya luya kutshintsha. Ukuba uthetha imali okanye udibanise iindleko ezivaliweyo zokuvala kwi-balance balance yakho, uza kunciphisa isabelo sakho sokulingana kwipropati yakho . Nangona kunjalo, ukuba uthetha indawo enye mboleko kunye nemali mboleko yobukhulu obufanayo, ubulungisa bakho buhlala bufana.
Ngaphambi kokuhlaziya, yenza uhlalutyo olusisiseko. Uya kufuneka uhlawule iindleko zokuvala, ngoko kufuneka ufumane ngokuchanekileyo indlela kwaye uza kuphinda uphinde uhlawule ngayo iindleko kunye nokuba kuya kuthinta njani iimali zakho eziya phambili. Khumbula ukuba ukuba awuyi kuhlawula nayiphi na indleko yokuvala, uya kugqiba ngezinga eliphezulu lomdla.
Endaweni yokuhlaziya kwakhona
Ngamanye amaxesha ukucoceka akuyona into ekhethekileyo-okanye akunakwenzeka.
Unokufumana ezinye zeenzuzo zokuhlaziywa ngaphandle kokuhamba kwinkqubo. Umzekelo, ukuba ufuna ukugcina kwiindleko zenzalo, unokuhlawula ngaphezu kokuncinci kwenyanga nganye. Uya kulahla ityala kwangaphambili, kwaye uza kuchitha imali encinci kwimfuno yakho yokuphila.