Inkcazo yeMigqaliselo yeMboleko
- Umhlala-mboleko uza kuhlala ixesha elide ukuba wenze kuphela iintlawulo ezincinci ezifunekayo ngenyanga.
- Izibophelelo zemboleko oyavuma ukuba ngamanye amaxesha ubizwa ngokuba yimimiselo neemeko.
Ixesha njengeXesha leNgxowa
Umzekelo wokuqala ngowamaxesha: kufike ixesha elingakanani umboleko (kuze kube yinto ehlawulwa ngokupheleleyo kunye neentlawulo eziqhelekileyo)?
Inokuhlala ixesha layo lonke. Imali-mboleko ingaba yimali-mboleko yexeshana okanye iimali-mboleko zexesha elide.
Ixesha le-mboleko lingaba lula ukuchonga. Ngokomzekelo, umyinge weminyaka engama-30 othengiswayo unomyinge wexesha eliyiminyaka engama-30. Iimali-mboleko ezizenzekelayo ziba nemigangatho emi-5 okanye engama-6 ubudala, nangona ezinye iinketho zikhoyo (iimali-mboleko zemali zivame ukucatshulwa ngeenyanga, njengemali-mboleko yeenyanga ezingama-60). Nangona kunjalo, iimali-mboleko zinokuhlala ixesha elide apho umbolekisi nabbolekayo bazimisele ukuvuma.
Ngethuba elithile ngaphambi kokuphela kwexesha lesimboleko, umboleko kufuneka uhlawulwe okanye uhlaziywe . Xa ufumana mboleko (njengemali- mboleko yeminyaka emi-5), uhlala uhlawula inyanga nganye. Le ntlawulo ibalwa ukwenzela ukuba uza kuhlawula ngokupheleleyo imali mboleko kwixesha lexesha le mboleko. Ekupheleni konyaka wesi-5, intlawulo yakho yokugqibela iya kubhala ngokukodwa oko ufunwa. Inkqubo yokuhlawula ityala ngale ndlela ibizwa ngokuba yi- amortization .
Kutheni kubalulekile: Ixesha le-mboleko libalulekile: lichaphazela intlawulo yakho yenyanga kunye neendleko zakho ezipheleleyo.
Ixesha elide lithetha ukuba uza kuhlawula inyanga nganye ngenyanga - ngoko uzama ukuthenga imali-mboleko ngexesha elide elikhoyo (umzekelo, unokutsalwa kwi-mboleko yeenyanga ezingama-72 endaweni yesibonelelo seenyanga-60). Nangona kunjalo, ixesha elide likwa kuthetha ukuba uza kuhlawula ngaphezulu iirhafu zenzalo ebomini balo mboleko. Ngamanye amagama, uya kuhlawula ngaphezu kwayo nayiphi na into oyithengayo (itekisi yentengo ayitshintshi, kodwa inani olihlawulayo).
Ixesha lotyalo: Iimali zokubolekwa nazo zihambelana nexesha, kodwa azifani nekota yakho. Ngokuxhomekeke kwindlela ulwimi elisetyenzisiweyo ngayo, ixesha lingaba lifutshane ixesha eliphakathi kweentlawulo zenyanga okanye iinkolelo zokuhlawula inzala. Kwiimeko ezininzi, enye inyanga. Ngokomzekelo, unakho ukubolekisa ngemali yesigidi se-12%, kodwa i- periodic (okanye ngenyanga) i-1%.
Ixesha lexesha lemboleko lingabhekisela kumaxesha apho imali yakho mboleko ikhona khona. Imali-mboleko yomfundi, ixesha lokubolekwa kwemali lingaba yi-Fall semester okanye i-Spring.
Imigomo neMeko yeMboleko
Imigaqo yokubolekisa ingaba yimiba yemboleko yakho, echazwe kwisivumelwano sakho semali mboleko. Xa uboleka imali, wena kunye nomboleki wakho uyavumelana nezinto ezithile - "imigaqo" yemboleko yakho. Baya kunika isamba semali, uya kubuyiselwa ngokuhambelana neshedyuli esivumelanisiweyo, kwaye ukuba kukho into ehambileyo nganye enamalungelo kunye nezibophelelo ezidweliswe kwisivumelwano semboleko.
Ezinye iimeko eziqhelekileyo ezifanele ukuhlawula ingqalelo apha zidweliswe ngezantsi.
Inzala: Inzala eninzi inomrhumo wakho kumali-mboleko yakho yonke ixesha. Ukuphakama kwezinga, umboleko wakho obizayo. Kwakhona kubalulekile ukufumanisa ukuba umboleko wakho unomyinge onomdla okanye inqanaba eliguqukayo elinokutshintsha ngexesha elithile.
IiRhafu zidla ngokucatshulwa ngokwemilinganiselo yonyaka wepesenti (APR) , enokuthi ilandele iindleko ezongezelelweyo ngaphandle kweendleko zentsalo.
Intlawulo yenyanga: Inkcitho yakho yenyanga idlalwa ngokubakho ngobude bemboleko yakho kunye nenzala. Nangona kunjalo, kukho iindlela ezahlukeneyo zokubala inkokhelo yakho efunekayo (umzekelo, amakhadi enkokhelo ahlala ebalwa ngokusekelwe kwipesenti encinci yemali yakho ). Qiniseka ukuba uyazi ukuba uza kuhlawula phi inyanga nganye kwaye ukuba loo mali iya kutshintsha. Kufuneka uqiniseke ukuba inkokhelo ihambelana nebhajethi yakho.
Izigwebo zokuhlawulwa kwangaphambili: Ukukhawula iindleko zakho zomdla kudla ngokuba yinto efanelekileyo. Ukuba unakho ukuhlawula ityala lakho ngokukhawuleza kunokuba kufuneka, uya kuphepha ukuchitha imali. Fumana ukuba kukho nayiphi na isohlwayo sokuhlawula iimali mboleko kwangaphambili okanye ukwenza iintlawulo ezongezelelweyo. Ngokukodwa xa kuthengwa iimali-mboleko ezininzi ezifana namakhadi-mboleko, ukuhlawula ngaphezu kobuncinane kubulumko .
Iintlawulo zeBhalon: Ezinye iingxowa-mali azihlawulwa ngaphaya kwexesha - uhlawula iindleko zentsalo okanye inxalenye encinci yemalimboleko yakho. Ngelishwa, oko kuthetha ukuba uzakufuneka ufike ngenkokhelo enkulu yebhaluni (okanye ukulungiswa kwemboleko ngemali mboleko enkulu) ngexesha elizayo. Qinisekisa ukuba uyazi ngale nto eside ngaphambi kokuba loo ntlawulo ibangelwe.