Kuthetha ukuthini ukuhlawula inzala kwimali mboleko?
Ngemali-mboleko yomfundi, unako ukuhlawula iindleko zomdla endaweni yokuhlawula umdla njengoko kufikelelwe. Ngenxa yokuba iintlawulo zenzalo azihlawulwanga, iintlawulo zongezwa kwi-balance balance. Ngenxa yoko, ibhalansi yemali mboleko inyuka ngaphezu kwexesha kwaye uqukumbela ngenani lemali-mboleko enkulu ekugqibeleni.
Ngexesha elithile, kuya kufuneka uhlawule loo matyala. Oku kwenzekayo ngeentlawulo eziphezulu zenyanga okanye iintlawulo ezihlala ixesha elidlulileyo kunokuba zingenjalo.
Kwi-accounting, i- interest interest is total cost of interest in project. Esikhundleni sokuhlawula iindleko zentsalo minyaka yonke, iindleko zenzalo ziphathwa njengenxalenye yenkcitho yexesha elide kwaye ihlaziywe ngokuhamba kwesikhathi.
Ukuxhaswa Inzala kwimali Yomfundi
Ngeemali-mboleko, njengemali-mboleko yomfundi, unakho ukhetho lokutyundela iintlawulo ngeemali mboleko.
Ngokomzekelo, iimali-mboleko ze-Stafford zivumelekile ukuba uhlawule iintlawulo uze uqede isikolo. Le nto inomdla kuba inceda ekuphumeni kwakho kwemali kule nyanga, kodwa inokubangela iindleko eziphezulu kunye nokuhamba kwemali ngokukhawuleza kwixesha elizayo.
Ingaba ungayikhokheli okanye ungenzi iintlawulo, inzala isenayo (okanye ihlawuliswe ngokulinganisela kwemali mboleko yakho).
Uboleke imali, ngoko ke inzala yenzalo iya kulandela. Ukuba ukhetha ukungahlawulwanga nantoni na, ibhalansi yakho yemali-mboleko xa ugqibe isikolo iya kuba phezulu ngaphezu kwemali oyifumene kwaye uyichitha.
Qaphela ukuba ngeemali-mboleko ezixhaswayo , urhulumente wephondo uhlawula iindleko zentshisekelo, ngoko umdla wakho wemboleko awufumani.
Ukwandisa ukulinganisela
Inzala ebanjwe ngumntu wenza ukuba ibhalansi yakho yemali mboleko ikhule. Ngenxa yoko, awuyiboleki nje kuphela oko uboleke khona ekuqaleni kwindleko kunye nezikolo zokuhlala-uboleka ukuhlawula iindleko zomdla. Ngenxa yoko, kufuneka uhlawule umdla kumdla wakho umboleki.
Ukuphinda uhlalutye: Inkcitho yakho mboleko iya kwanda ngokukhawuleza kwaye ngokukhawuleza njengoko inani lomdla "obolekayo" liqhubeka landa. Ukuhlawula inzala ngaphezulu kwenzalo yindlela yokuhlanganiswa , kodwa isebenza ngetyala lakho-kungekhona lakho. Olunye ixesha kule nto, eyayiyinto eyimfuneko yokubolekwa kwemboleko ngaphambi kokuba kubekho ingxaki yemali, ingeniso embi .
Nayiphi na inkokhelo inceda: Nangona ungekho mfuneko yokuhlawula nayiphi na into, kukulungele ukuhlawula into. Ngokomzekelo, ngexesha lokunyamezela okanye ukuchaswa , ungeke ufanele wenze inkokhelo epheleleyo. Kodwa nayiphi na into obeka kuyo kwimboleko iya kunciphisa inani lemali oyithandayo. Umboleki wakho unokunika ulwazi malunga nomdla ohlawulwayo kwi-akhawunti yakho ngenyanga. Bhatala okungenani oko ukuze ungangeni ngokunyanisekileyo kwisikwere . Ukwenza njalo kukubeka kwindawo engcono kwixesha elingenakukhunjulwa xa kufuneka uqale ukwenza iintlawulo ezinkulu zenyanga "zokuhlawula" ezihlawula ityala lakho.
Ixesha lokuhlawula
Njengomfundi, unokungakhathaleli ukuba ibhalansi yakho yemali mboleko ikhuphuka inyanga nganye. Kodwa ibhalansi enkulu yemboleko iya kukuchaphazela kwiminyaka ezayo-mhlawumbi iminyaka emininzi ezayo. Kwakhona kuthetha ukuba uya kuhlawula umdla ngaphezu kwemali mboleko yakho.
"Iindleko" zemboleko-mboleko, ukungahoywa nayiphi na irhafu yexesha-nye, ngumdla owuhlawulayo . Ngamanye amazwi, uhlawula oko bakunike yona, kwaye uhlawula encinane. Iindleko zakho ezipheleleyo ziqhutywa yi:
- Isixa obolekayo: Imali ephakamileyo yemalimboleko yakho, inzala eninzi uya kuhlawula.
- Umyinge wenzalo: Iphakamileyo izinga, kubiza kakhulu ukuboleka
- Isixa sexesha othabathayo ukuhlawula: Ukuba uthatha ixesha elide, kukho ixesha elide (inyanga kunye neminyaka) apho umboleki wakho unetyala.
Ngokukodwa kunye nemali-mboleko yomfundi , ungase ube nolawulo oluninzi kwizinga lentengo.
Kodwa unokulawula umlinganiselo owubolekayo, kwaye unokuthintela loo mali ukuba ikhule kuwe. Kodwa ukuba ubeka inzala, inkokhelo yakho yenyanga (kunye neendleko zemihla yokuphila) iya kuba phezulu. Kuphakame kangakanani? I-FinAid inebalawuli eluncedo ekusebenzeni amanani ngokuchaswa.
Ukuba uthanda ukubona indlela izinto ezisebenza ngayo, ungasebenzisa kwakhona ispredishithi (Excel okanye i-Google AmaSpredishithi, umzekelo) ukubonisa imboleko yakho . Misela nje iintlawulo kwi-zero kwisampula yokumiswa kwesampula.
Kutheni Ungakhokheli Okongezelelweyo?
Khumbula ukuba inkokhelo yakho encinci efunekayo yileyo-ubuncinci obufunekayo ukukhusela umonakalo kwirejista yakho kunye neentlawulo zokugqibela zentlawulo. Unako ukuhlawula ixesha elingakumbi, kwaye kudla ngokukhawuleza ukwenza njalo. Ukuhlawula okongezelelweyo kwityala kukunceda ukuba uchithe imali encinci kwimali, ukhupha i-matyala ngokukhawuleza, kwaye ulungele ukufumana imali mboleko emininzi ngemigaqo engcono kwixesha elizayo.