Oku kunenzuzo kubo bobabini bobolekayo kunye nomboleki-mboleko kuba umboleki-mali akadingeki ukuba athathe ixesha elibi lomngcipheko; ngokukhethekileyo unikezelo lokwenyuka kwexabiso lokunciphisa ukukhula kokugqibela.
Ngaphandle kweenzuzo zabo zokungena kwemali-kwaye zinokuba luncedo, ngokukodwa kwiintlobo ezithile zeefemu zokusebenza-mhlawumbi ingozi enkulu ngokuthatha imali-mboleko emiselweyo ngokukhawuleza ihlala ihlawulelwa ngokukhululekayo ekupheleni kwesivumelwano. Impazamo eqhelekileyo abantu bayenzayo becinga ukuba baya kukwazi ukuhlaziya. Ukuhlaziya kwakhona akusoloko kukhoyo kwaye ukuba kunjalo, ayisoloko ikhona kwimimiselo eyamkelekileyo kwezoqoqosho. Iirekhodi zenkundla yebhanki zifakwe kwiinkampani, intsebenziswano kunye nabantu ngabanye abaye bavelisa inzuzo enkulu okanye banandipha inzuzo ezinzileyo, ukuba bafumene ukuba ihlabathi liye lahlukana kwaye akukho mntu wayenako ukumboza i-gap.
Yiyiphi iNgxowa-mali eyenziwa ngamanye amazwe
Khawucinge ukuba ufuna ukuthabatha imali engama-$ 1,000,000. Unesistim esinqununu se-8.5%. Ibhanki iyavuma ukukunika iminyaka engama-7 ukukhula kunye neshedyuli yeminyaka engama-30.
Intlawulo yakho iya kuba yi-$ 7,689.13 ngenyanga. Uya kugqiba ukuhlawula i-$ 645,886.92.
Ekupheleni kweminyaka eyisixhenxe, uya kuhlawulwa isamba semali engu-938.480.15, kwaye kufuneka ubuyisele imali ngokuthe ngandlela-thile okanye uya kufezeka. Ibhanki iya kuthatha i-collateral kwaye mhlawumbi inokunyanzela okanye iphrojekthi yokuvakalisa i-bankruptcy ngokuxhomekeka kwindlela ehlelwe ngayo. Uya kugqiba ukuhlawula i-$ 1,584,367.07 iyonke.
Ngokwahlukileyo, ukuba unomvuzo wendabuko, uhlawulele ngokugcwele umvuzo oneminyaka engama-7, ubuya kuhlawula i-$ 15,836.49 ngenyanga. Uya kugcina uhlawula iR $ 1,330,265.16. Ekupheleni kwekota, awuyi kubakho nto. Ibhalansi ihlawulwa ngokupheleleyo.
Kutheni umntu afuna ukubolekwa kwemali mboleko kwintsimi? Ngaphandle kweendleko eziphezulu kunye nexesha lokuphela kwexesha, umboleki wafumana i-$ 8,147.36 eyongezelelweyo ngemali nganye nyanga nenyanga kunokuba mhlawumbi uya kuba negalelo lokuhlawula okuphantsi kwenyanga. Oko bekuye kwanika iprojekthi ixesha elaneleyo lokuphuma emhlabathini okanye ukuthengisa nayiphi na into eyayiyiphucula. Kwezinye iimeko, i-theory yintsebenziswano yokukhula kweshishini iya kukwanela ukususa ibhalansi (umzekelo, inkampani yokusela esheshayo yokwandisa imfuno ukuze ikwazi ukwenza umbane okhulu kakhulu ukuba, ngelizinga lalo langoku ukwandiswa, kufuneka enze inkokhelo yokubhalisa ibhaluni)
Qaphela: Ngaphandle kokunye okunye, imali ebolekiswe ngokugcweleyo, kukho imboleko engekho-ntlawulo, okanye "inzala kuphela" njengoko ibizwa rhoqo. Utyalo-mali oluninzi lwentsebenzo luhlelwe ngale ndlela.