Inzala YeeMali kuphela Zisebenza
Ukubala intlawulo kumboleko wenzalo kuphela, kubala ibhalansi yemboleko ngezinga lentengo.
Ngokomzekelo, ukuba unetyala lika-100,000 kwi-5%, uya kuhlawulwa i-$ 5,000 ngonyaka okanye i-$ 416.67 ngenyanga.
- Yiba nomdla wethu wokubala kuphela wemali ukwenza izibalo kuwe
- Emva koko, qhathanisa intlawulo yenzalo kuphela kwiintlawulo zemboleko zemali
Inzala kuphela yemali mboleko ekugqibeleni iguqulele kwiimali-mboleko eziqhelekileyo (kunye neentlawulo eziphezulu) emva kokuba "ixesha elilodwa lenzalo" liphela-ngokuqhelekileyo kwiminyaka emihlanu okanye elishumi.
Iinzuzo zeNzala kuphela Imali
Inzala kuphela ekhokhwayo ngenxa yokuba iintlawulo zakho zenyanga ziphantsi. Ziziphi izizathu ezithandwayo (okanye izilingo) zokuhamba nentlawulo ephantsi?
Thenga intengo ebiza ngaphezulu: umboleko wenzalo kuphela kukuvumela ukuba uthenge ikhaya elibi kakhulu kunokuba uza kuba nako ukufumana imali ephantsi yokubambisa imali . Ababolekisi babala ukuba unokuboleka kangakanani (ngokuyinxalenye) kwimali yakho yenyanga, usebenzisa ityala kwinani lentlawulo . Ngentlawulo ephantsi efunekayo kwimali-mboleko yenzalo kuphela, imali onokuyiboleka iya kunyuka kakhulu.
Ukuba unethemba lokuba uza kukwazi ukuhlawula ixabiso lexabiso elibizayo - kunye nokuzilungela kwaye unokukwazi ukuthatha ingozi yokuba izinto aziyi kuhamba ngokucwangcisa - inzala-mboleko kuphela yenza ukuba kwenzeke.
Ukukhulula imali: iintlawulo ezantsi zikwavumela ukuba ukhethe indlela kwaye ubeka phi imali yakho. Ukuba ufuna, ngokuqinisekileyo unokubeka imali eyongezelelweyo kwimali yakho yokuthenga ngemali inyanga nganye , ngaphantsi okanye ngaphantsi kokubeka umvuzo oqhelekileyo "wokuhlawula ngokupheleleyo" .
Okanye, unokutshala imali kwenye into (njengeshishini okanye ezinye iinjongo zemali) - ufanele ukhethe. Uninzi lwezindlu oluxhomekeke kwiimali-mboleko zifuna kuphela ukukhuphula inani lemali eya kuphuculwe.
Gcina iindleko eziphantsi: ngamanye amaxesha inzala kuphela inkokhelo oya kukwazi ukuyihlawula. Unokukhetha ipropathi engabizi kodwa ufikeleleka kwiimali zenyanga. Inzala-mboleko kuphela inika enye indlela yokuhlawula irente-kodwa kukho iingozi zokuthatha le ndlela.
Kubalulekile ukuhlukanisa phakathi kweenzuzo zinyaniso kunye nesilingo somvuzo ophantsi. Inzala kuphela kuphela esebenzayo xa usebenzisa ngokufanelekileyo-njengenxalenye yesicwangciso (kwaye kungekhona nje indlela yokugcina iindleko zakho ziphantsi).
Ngokomzekelo, yinto efanelekileyo xa unenzuzo engafanelekanga (ukuba ufumana amabhonasi okanye iikhomishini ezahlukileyo endaweni yokuhlawula umvuzo ngenyanga, umzekelo). Inokuthi isebenze ukugcina izibopho zakho zenyanga ziphantsi kwaye zenze iintlawulo ezinkulu zokunciphisa inqununu yakho xa unemali eyongezelelweyo. Ngokuqinisekileyo, kufuneka ulandele kule plan.
Unokwenza ngokwakho ishedyuli yakho yohlengahlengiso ngemali mboleko kuphela. Jonga indlela i-Amortization Works ngayo iinkcukacha malunga nendlela uhlengahlengiso oluchaphazela ngayo imali yakho.
Kwiimeko ezininzi, inkokhelo yakho eyongezelelweyo kwinqununu iya kubangela intlawulo ephantsi efunekayo kwiinyanga ezilandelayo (kuba isixa-mali esiyintloko ohlawula umdla kuye sehlile). Hlola kunye nomboleki wakho, njengoko ezinye iimali-mali aziyi kuhlengahlengisa intlawulo (okanye intlawulo ayifumanwanga ngokukhawuleza ).
Ukutsalwa kweNzala kuphela
Le ntlawulo yenyanga ephantsi ihamba ngeendleko. Ngoko uyayinikela xa uhlawula umyinge wakho mboleko?
Akukho buchule: awunakha ukulingana kwindlu yakho kunye nomdla kuphela. Unokwakha ubulungisa xa wenza iintlawulo ezingaphezulu, kodwa umboleko awukhuthazi ukuba ngoyilo. Uza kuba nexesha elinzima ngokusebenzisa iimali-mboleko zemali kwixesha elizayo ukuba unako ukufuna imali ngemali yokuphucula.
Umngcipheko ongaphantsi kwamanzi: ukuhlawula ibhalansi yakho mboleko kunceda ngezizathu ezininzi. Omnye wabo unciphisa umngcipheko wakho xa kufika ixesha lokuthengisa.
Ukuba ikhaya lakho lahlekelwa lixabiso emva kokuba uthenge, kunokwenzeka ukuba uya kuhlawulwa ngakumbi ekhaya ngaphandle kokuba ungayithengisa yona (eyaziwa ngokuba yi- downside down or underwater ). Ukuba oko kwenzeka, kuya kufuneka ubhale isheke esikhulu ukuze uthengise ikhaya lakho.
Ukumisa into engenakukupheka: uza kufuneka uhlawule umboleko ngenye imini, kwaye inzala-mboleko kuphela yenza loo mihla ibe nzima - usuku luya kufika. Sithanda ukukholelwa ukuba siya kuba sesikhundleni esingcono kwixesha elizayo, kodwa kulungile ukuba uthenge nje into onokuyithenga ngayo ngoku ngoku.
Ukuba uhlawula umyinge, uza kufumana umlinganiselo ofanayo wemali kwiminyaka eyi-10 omele uyenze ngayo ngoku - usebenza nje ngetyala kunokuba uyihlawule okanye uphucule imeko yakho.
Umzekelo: cinga ukuba uthengela i-$ 300,000 kwaye uboleka u-80% (okanye i-$ 240,000). Ukuba wenza intlawulo yenzalo kuphela, uza kuhlawulwa i-$ 240,000 kule ndlu (de kubekho ixesha eliphela kuphela lentshisekelo). Ukuba ikhaya lilahlekelwa lixabiso kwaye lifanele u-280,000 kuphela xa uyithengisa, awuyi kufumana i-$ 60,000 epheleleyo ukusuka ekuhlawuleni kwentlawulo . Ukuba ixabiso lihla ngaphantsi kwee-240,000 zamaRandi xa uthengisa, kuya kufuneka uhlawule ephaketheni ukuze ubuyisele umboleki wakho kwaye ufumane ikhonkco ekhaya lakho lisuswe .
Kakade, kufuneka uhlawule imali yakho ngenye indlela. Ngokuqhelekileyo, ugqiba ukuthengisa ikhaya okanye ukuhlaziya umboleko wokubolekisa umboleko wenzalo kuphela. Ukuba ugqiba ukugcina imali mboleko kunye nendlu, ekugqibeleni uza kufuneka uqale ukuhlawula inqununu ngenkokhelo nganye yenyanga. Kwakhona, oku kuguquka kwenzeka emva kweminyaka eyi-10. Isivumelwano sakho semali-mboleko siza kuchaza ngokukhawuleza xa ixesha lokuphela kwenzalo liphela kwaye kwenzeka ntoni emva koko.
Imali-mboleko kuphela ayikho imbi. Kodwa bahlala besetyenziselwa izizathu ezingafanelekanga. Ukuba unesicwangciso esiqinileyo sokusebenzisa enye imali enokuyibhalela enye inqununu (kunye nesicwangciso sokukhupha ityala), ngoko bayakwazi ukusebenza kakuhle. Ukukhetha inzala mboleko kuphela ngenjongo yokuthenga indlu ebiza kakhulu yindlela eyingozi.