Ukuba ukhangele ukuthenga imoto entsha okanye esetyenziswayo, mhlawumbi uyazibuza: ingaba ndingaphi na imoto?
Impendulo iyinkimbinkimbi kwaye ihluke kumntu wonke. Njengazo zininzi zigqibo zezemali, akufanele ugijime ekunqumeni ukuba uluphi uhlobo lwesithuthi oya kuthenga, kwaye ngokuqinisekileyo akufanele uthenge isithuthi njengento yokuthenga!
I-Old Fashioned 20/4/10 Rule
Ukuba uthetha nabahlobo abadala okanye izalamane ezinokwenza imali, zingabhekisela kulawulo lwe-20/4/10.
Nguwuphi lo mgaqo, ubuza? Yinto elula-kwaye ininzi, idlulileyo.
Umgaqo we-20/4/10 ubonisa ukuba kufuneka wenze imali yokuhlawula imali engama-20 ekhulwini yexabiso lezithuthi, fumana umboleko ongekho ngaphezu kweminyaka engama-4 (iinyanga ezingama-48), kwaye qiniseka ukuba umvuzo wenyanga owuchithayo wakho mboleko mboleko , ukugcinwa, igesi, kunye ne-inshurensi ingaphantsi kwama-10 ekhulwini lakho lemali engenayo.
Umgaqo ulula-kwaye ukuba ungumntu ophakamileyo oza kulufuna nje isithuthi esilula, ngokuqinisekileyo yinto efanelekileyo.
Umzekelo, ukuba ungumntu ongenayo imali, ufumana i-$ 59,000 ngonyaka, kufuneka ukhethe isithuthi esithenga ngaphantsi kwama-492 engama-nyanga nganye kwindleko yomshuwalense, ukugcinwa, igesi kunye nemali-mboleko yemoto-kungabi ngaphezu kweminyaka engama-4. Ukuba unetyala lekhredithi , thola umboleko weminyaka emi-4 ngemali ye-5 yepesenti, unakho ukuhlawula imali-mboleko ye-$ 15,000 yenani elipheleleyo (imali engama-345 yenkokhelo yenyanga mboleko) kwaye usenako ukufumana i-gesi kunye ne-inshurensi ngelixa uhlala kwi-10 yeepesenti.
Ukuba ubeka iipesenti ezingama-20 + phantsi, oko kuthetha ukuba unako ukufumana isithuthi ngesantya se-$ 20,000, ucinga ukuba ulondoloze i-$ 5,000 efunekayo.
Kuthekani ukuba intsapho yakho idinga iimoto ezimbini? Okanye kuthiwani xa intsapho yakho ithola ngaphantsi kwama-59,000 ? Yilapho izinto ziba nzima kwaye umgaqo awusebenzi ngaso sonke isikhathi.
Ehlabathini elungileyo, wonk 'ubani uya kuba nako ukufumana isithuthi esichaphazelekayo imfuneko yeemfuno zomthetho. Kodwa akusoloko kunjalo, kwaye ngoko ke ukucinga okucwangcisiweyo kubanzi kufuneke ukuba ufumane inani elithembekileyo lezithuthi onokukwazi ukuzenza.
Cinga ngezinye iindleko zakho
Ukuba uthe wagxininiswa ngemali-mboleko yomfundi, uthenge indlu kwaye ube namawele endleleni, ngoku akusixesha elide lokuthenga isithuthi esiya kulwabelwa uhlahlo lwabiwo-mali. Kodwa ukuba ungatshatanga, umthengi ophezulu, kwaye sele usindise iipesenti ezingama-20 yengeniso yakho, zive ukhululekile ukuphula ulawulo lwepesenti ye-10 yemoto yamaphupha akho-ngaphandle kwesizathu. Ukuba kulungele kuwe kwaye unako ukuyisebenzisa, ukuchitha imali encinane kwimoto kunengqiqo. Kodwa akusizi ukuba uzinzima.
Iyintoni Imoto Kuwe?
Ukuba ngokwenene uyayithanda imoto kwaye ungakhathazeki malunga nokuba uza kulala ebusuku (okanye ezinye iindleko), hamba ihagi: yimali yakho kwaye kufuneka uchithe indlela ofuna ukuyisebenzisa ngayo. Ukuba ufuna kuphela imoto kuba yindlela ehamba phambili yokufumana ukusuka kwinqanaba A ukuya kutsho B, zama ukufumana imoto esetyenzisiweyo esondela ukuba ibe ngaphantsi kweepesenti ezili-10 zengeniso yakho yonyaka okanye ngaphantsi njengoko unakho. Ukuba kuyimfuneko, kungcono ukuhamba kunye nexesha elide lemali-mboleko kunokuba ube nesimo sengqondo esithintekayo nganye nyanga xa ukuhlawulwa kwemoto kubangelwe.
Ngaba Imoto Iyadingeka Ngempela?
Ngokuqinisekileyo, ukuba isondo sakho sivuyayo kwaye sinomdla. Kodwa ngaba unako ukuyifumana? Udinga ukunyaniseka nawe ngenxa yekamva lakho lezezimali. Kakade, kwiindawo ezithile, ukuba nemoto kuyimfuneko. Kodwa kwiidolophu ezininzi (kunye neendawo ezininzi zedolophu), kukunyuka kwemali ukufumana ibhasi okanye ithikithi elingenamkhawulo ongaphantsi kwezothutho kunokuba kuthathe uxanduva lwezemali ukuba ubunikazi bemoto lubandakanya.
Qaphela i-Friendly Calculators
Njengoko uzama ukuqonda ukuba imali enokuyenza, ungalingeka ukuba unxweme ukugcina imali yakho kunye nengeniso kwenye yezibalo ezininzi kwiwebhu- kodwa ungenzi!
Ezi zibalo, ezihlala zigcinwe ngomshuwalense wemoto okanye iinkampani zemiboleko yemali-mboleko, aziyi kukuxelela inani elifanelekileyo lokuchitha imali: baya kukubonisa inani elininzi ongayisebenzisa-kwaye awufuni ukuchitha imali iya kuphuma ngaphandle kwebhajethi yakho!
Ngamafutshane, akufanele ucele ukuba ungakanani imoto onako ukuyifumana-kufuneka uzame ukufumana ixabiso elifanelekileyo lezithuthi eziza kukufumana ukusuka kwinqanaba A ukuya kutsho B kwaye ayikushiyi ikhwephe ngenkokhelo nganye ngenyanga.