Iintlawulo zee-weekly ziyakwazi ukugcina amawaka kunye nee-Shave Years Ukukhupha imali yakho
Okumangalisa kukuba, ungasindisa amashumi amawaka eedola uze unqume iminyaka yakho yokuthenga imali. Nantsi indlela.
Iintlawulo zemihla ngemihla zisebenza njani
Umlingo wenkokhelo yeveki ngeveki ivela kwi nyaniso yokuba kukho iiveki ezingama-52 ngonyaka, ngoko uza kuba neentlawulo ezi-26. Ukuba unokwenza nje iintlawulo ezimbini ngenyanga, loo nto yayiza kuhlawulwa nge-24 kuphela ngonyaka, ngoko ngokwenene, indlela yeveki nganye yenza iimivuzo ezimbini ezongezelelweyo ngonyaka, okufana nokwenza enye intlawulo yenyanga nganye.
Nasi umzekelo. Masithi intlawulo yakho yenyanga yokuhlawula i-$ 1,000. Ngaphezulu kwekota, uya kuchitha i-$ 12,000 kwiintlawulo ezilishumi elinesibini. Ukuba uthe wanquma ukwenza iintlawulo zeveki ngeeveki ungenza u-$ 500 intlawulo nganye kwiiveki ezimbini. Ubonakala njengento efanayo, akunjalo? Ewe, ukuba uthatha i-$ 500 kwaye uyayilanda ngeentlawulo ezingama-26 unayo i-$ 13,000 kwiintlawulo ezipheleleyo. Uqikelele ntoni na? Leyongezelelweyo i-$ 1,000 yayisetyenziswe ngqo kwinqununu yakho, ngoko ukunciphisa ubuninzi obuya kuchitha kwi-interest kwaye uza kuhlawula ngokukhawuleza imali yakho.
Ukuqonda kangcono imali yokonga, kwi-100% ye-mortgage yeminyaka engama-30 kwi-6.5%, uya kuhlawula imali engama-127,544 ayi-interest, kunye ne-100,000 yenqununu eyi-$ 100, eyi-$ 227,544. Ukuhlawula isiqingatha sesibonelelo sakho sokuhlawula rhoqo ngenyanga rhoqo kwiiveki ezimbini kuya kubangela inzala ye-$ 97,215, ukugcinwa kwe-$ 30,329. Ngokucacileyo, enkulu inzala yakho kwaye iphakamisa inzala yakho, inkulu imali.
Indlela yokwenza iintlawulo zemihla ngemihla
Ngoko ke, ukutshintshwa kwintlawulo yeveki nganye kulula njengoko ukwahlula intlawulo yakho yenyanga ngenyanga kwaye wenze intlawulo nganye kwiiveki ezimbini, kunene? Ewe, kungekudala. Nangona le ngcamango jikelele, ufuna ukujonga ngetyala lakho kuqala. Ngomnye, usenokuba sele unentlawulo ngokuzenzekelayo kwaye ufuna ukuqiniseka ukuba unokumisa loo nto. Ngaphandle koko, unokufumana uhlawula ngaphezulu.
Kwakhona, qiniseka ukuba umboleki wakho uya kwamkela iintlawulo zeveki nganye. Nangona abaninzi ababolekayo kufuneka, kukho iimeko apho abayi kuyenza, okanye xa benjenjalo, abanako ukuzisebenzisa ngokuzenzekelayo okongezelelweyo kwinqununu. Kufuneka ube nekhredithi eza kuhlawulwa ngokukhawuleza isigxina ngasinye seenyanga emva kokufumana. Ukuba umnini-mboleko wakho ulinda de kubekho intlawulo yesibini efunyenwe ngaphambi kokubonga imali yakho mboleko, awuyi kubona izibonelelo.
Ekugqibeleni, qiniseka ukuba asikho isohlwayo sokuhlawula imali yakho yokubolekisa. Uninzi lweemali zokubanjiswa kwemali kule mihla ayinaso isohlwayo sokuhlawulwa kwangaphambili , kodwa kusekho abanye ngaphandle apho baya kukugweba ngenxa yokuzama ukuhlawula imali yakho yokuqala. Kubuhlungu kodwa kuyinyaniso. Ngoko qiniseka ukuba awuyi kuba yingozi ngaphezu kokulungileyo ngokuzama ukwenza iintlawulo ezongezelelweyo.
Izinto zokulinda
Ukwenza iintlawulo ngeeveki kuyithuluzi eluncedo kakhulu, kodwa qaphela izikhwama okanye iinkqubo ezizodwa ezithi ziyakwenza oku kuwe.
Ezinye iikhampani zinikela ukuguqula imali yakho yenyanga yokuhlawula imali kwiintlawulo zeeveki zeeveki enye yexesha elilodwa malunga needola ezingama-400. Balekela kulezi zibonelelo. Akufanele uhlawule nayiphi na into yokwenza iintlawulo ezongezelelweyo kwimali mboleko yakho. Nangona umboleki wakho akayi kuwamkela iintlawulo zeeveki zeeveki, unako ukuphumeza iziphumo ezifanayo ngokwenza intlawulo enye yenyanga rhoqo ngonyaka.