Imboleko ekhuselekile ingaba yindlela enhle yokwakha i-ngxowa-mali xa uhamba ngetyala elihloniphekileyo njengebhanki okanye umanyano wemboleko.
Iintlobo zeMali eziKhuselekileyo
Ama-Mortgages aqinisekisiwe ngenxa yokuba ikhaya lakho lisebenza njengetyala lokuboleka imali. Ukuba ulahlekelwa iintlawulo, unokungena kwi-foreclosure kwaye ulahlekelwe lakho ikhaya.
Imali mboleko yemoto ibuye iqiniseke ngemali-mboleko. Ifana ne-mortgage, imoto ngokwayo ibe yintengo yemboleko. Ukuba ungagqibekanga kwiintlawulo, imoto inokubuyiswa kwakhona .
Amakhadi okuthenga ngetyala anesinye isiqinisekiso semali ebolekileyo. Ibhanki iyakuthi ifune ukuba wenze idiphozithi emkhawulweni wekhadi, oqinisekisa umboleko. Amabhanki aya kwenza oku kubathengi abazama ukwenza umlando wesikweletu, okanye abo bazama ukuphucula i-credit card.
Imboleko yesitifiketi yenye inhlobo yemali ebolekileyo. Eyona nto, xa usebenzisa isithuthi esikhokhelwayo njengento yokubambisa omnye umboleko. Ngokuqhelekileyo, le mboleko inexabiso eliphezulu .
Izinzuzo zeMali eziKhuselekileyo
Ngokuqhelekileyo, iimali-mboleko ezikhuselekileyo zenzelwe abo banqatshelwe imboleko engakhuselekanga . Xa zisetyenziswe ngokuchanekileyo, zinokukunceda ukwakha amanqaku akho ekhredithi kunye nembali yekhredithi.
Iibhanki ziyabathanda nazo kuba kukho umngcipheko omncinci ochaphazelekayo. Ixabiso lentengo elincinci lenye inzuzo yokukhetha imali ebolekileyo.
Xa ukhetha i-mboleko ekhuselekile, kufuneka uqaphele ngokuthe ngqalelo oko uya kusebenzisa njengobuncwane. Ukongeza, kufuneka uqinisekise ukuba unako ukwenza iintlawulo ngokupheleleyo kwaye ngexesha elifanelekileyo, njengoko ungajongani nokulahlekelwa yimpahla yakho.
Njengoko kuthethwe, imali ebolekileyo yindlela efanelekileyo yokwakha i-credit yakho . Nangona kunjalo, kubalulekile ukuqinisekisa ukuba uhlawula yonke into ngexesha ukuze ukwazi ukubona umehluko kumanqaku akho.
Izingozi zeMali eXhaswayo
Ingozi yomboleko okhuseleyo kukuba unokulahlekelwa nayiphi na into oyimisele njengesiqabane xa ungaphumeleli ukwenza iintlawulo zakho ngexesha. Kwakhona, ukuthatha amatyala amaninzi kunokukwenza kube nzima ukuhlangabezana nazo zonke izibophelelo zakho zemali.
Qaphela ngokucophelela uhlahlo lwabiwo-mali kunye nokukwazi ukuhlawula ngemboleko ngaphambi kokuba ubole nayiphi na imali. Khumbula, ukuba ungekho phantsi kwemali mboleko okanye wenze iintlawulo zexesha elide, kunokuchaphazela amanqaku akho ekhredithi.
Ukutshintshwa kweMatyala angakhuseliyo kwiiMali eziKhuselekileyo
Ukuba unetyala elingaqinisekanga, akufanele ulidlulisele kwimboleko ekhuselekile. Ngokomzekelo, abaninzi abantu bathabatha imali yesibini yokuthenga imali yokuhlawula amakhadi abo ekwereta okanye ukuthatha umboleko wesihloko kwimoto yabo ukuhlawula ezinye iindleko. Oku kubeka ikhaya lakho okanye imoto yakho engozini xa unokuthi ungagqibekanga kwimboleko kamva.
Kukulungele ukusebenzela ukuhlawula ityala lakho elingaqinisekanga ngokukhawuleza. Unokucinga ngokuthengisa izinto onayo okanye uthatha umsebenzi wesibini ukuhlawula ityala ngokukhawuleza.
Ukugcina ityala lakho elingakhuseli njengokuba uhlawula liyakukukhusela (kwaye kunye nefa lakho) ekuhambeni kwexesha-nangona kubonakala ngathi uya kuhlawula ityala ngonaphakade.
Ibhanki yeebhanki okanye ibhanki encinci inokulungela ukusebenza ikunike umboleko ongaqinisekwanga ukukunceda unciphise izinga lomdla kwiikhadi lakho lesikweletu.
UkuLawula amatyala akho
Kubalulekile ukuqwalasela ngenyameko umbandela wemali nayiphi na imali mboleko ngaphambi kokuboleka. Abantu abaninzi bacinga nje ngemali yentlawulo yenyanga, kodwa ukuba ufuna ukuthenga ikhaya kungekudala okanye uhlaziywe, uya kufuna ukucinga ngendlela oku kuchaphazela ngayo umlinganiselo wakho we- debt-to-income , kunye nemida yokuba inyanga nganye Intlawulo iza kuba nebhajethi yakho kunye nokukwazi ukugcina.
Ukuba uzifumanisa kwimeko apho unzima ukukwenza iintlawulo zakho zenyanga, ke ukubethelwa kwakho kukubakho ukuboleka enye imali, ulungelelanise iindleko zakho zokuhlala, kwaye ugxininise ekuphumeni kwetyala . Uhlahlo lwabiwo-mali luyakunceda ufumane ukulawula imali yakho kwaye ubone indawo apho unokunciphisa imali yakho.
Ukuhlaziywa nguRachel Morgan Cautero.