Ngaphambi kokuba usebenzise isicwangciso soxanduva lokuqala
Ukuba uye wangena kwimali ethile, okanye ugcine nje ugcino olukhulu lwenguqu, into enhle: unayo ikhetho. Ngoku into ebalulekileyo kukuba ukhethe okukhethwa kukho. Gcina ukhumbule ukuba akufanele ukhethe enye into. Unokwenza izinto ezahlukeneyo ngemali yakho - akukho mnyama okanye umhlophe (ungahlawula enye ityala, yonke into, okanye akukho nanye).
Eminye indlela eya kuhlawulwa kwangaphambili
Ukuba iintlawulo zakho zetyala zilawulwa, cinga ngendlela enye imali yakho eya kusebenza ngayo. Akunobulumko ukuvuthela imali kwixesha elifutshane, kodwa kunokukho iindlela ezifanelekileyo zokutyala imali.
Inkxaso-mali engxamisekileyo: unayo imali eyaneleyo yokunceda nayiphi na imingcipheko ezayo? Gcina intlawulo yemali emithathu ukuya kweyesithoba (okanye ngaphezulu, ukuba uluhlobo oluqaphileyo) kwi-akhawunti yokulondoloza okanye i- akhawunti yemakethe yemali nje xa kwenzeka into ebiza. Injongo kukugwema ukuthatha ityala le-interest-high interest rate - njengetyala lekhadi lesikweletu-ukuhlawula iimeko ezikhawulezayo. Kuya kuba yintloni ukuhlawula imali ebolekileyo yemali-mboleko yomfundi uze ungene kwi-credit card.
Utyalo-mali lwexesha elizayo: ngaba ikhaya lakho lifuna ukuphuculwa (ongayifakela phambili emva koko)? Ingaba uza kuzuza ngaphezulu xa uphucule izakhono zakho, unesiqinisekiso esiphambili, okanye ufumene isatifikethi sobugcisa?
Ngaba uzimisele kwaye uyakwazi ukuthatha ingozi yokuqalisa ishishini? Cinga ukusebenzisa imali ethile into eya kuhlawula iindleko kwiminyaka emininzi ezayo (khumbula nje ukuba unokuba uthatha ingozi - kwaye ukuhlawula ityala kakhulu kumgcini-mgcini-mali oqinisekileyo).
Akukho kubuya
Kutheni unganqikaza ukuhlawula amatyala kwangaphambili?
Ngenxa yokuba unayo ikhetho xa unayo imali, kwaye ezo zikhetho zihamba xa uhlawula ityala lakho. Kuyavunywa, uya kukhulula ukuhamba kwemali kuba iintlawulo zakho zenyanga ziya kuhamba (okanye uhlehlise - nangona oko akunjalo ukuba kunjalo ukuba wenza imali yentlawulo kwi-mortgage yakho).
Emva kokuba wenze inkokhelo, ngokuqhelekileyo awukwazi ukufumana imali. Ingakumbi xa ufuna ngokwenene imali (xa ulahlekelwe ngumsebenzi wakho, umzekelo), ukufumana mboleko kunzima. Ukufumana imboleko ngokukhawuleza (ngokukhawuleza, umzekelo) akulula.
Ngeemali-mboleko, unokukwazi ukufumana imali ngaphandle, kodwa akukho ziqinisekiso. Ngokomzekelo, ukuba uhlawula imali yakho yokuthenga imali, uya kuba nokulingana okuninzi , kwaye unokukwazi ukuboleka kuloo mlinganiso kunye nesibini . Ezinye iintlobo zemboleko zincinci.
Uhlobo lweemali mboleko
Njengoko uvavanya okukhethwa kukho, hlalutya uhlobo lomboleko onayo. Ukuba unetyala lekhadi lokuthenga ngetyala elinomtsalane ophezulu okanye inkokhelo yemali yokuhlawula imali , kusoloko kusengqiqweni ukucima loo matyala. Bona ukuba kwenzekani ukuba uhlawula kuphela ubuncinci kumakhadi akho.
Ngezinye iimboleko, izinto azicaci. Imali-mboleko yomfundi yaseburhulumenteni, umzekelo, iza neenzuzo ezithile oza kuyeka (kwaye ungaze uphinde ubuye) ukuba uhlawula imali mboleko kwangaphambili: unakho ukukwazi ukumisa okanye ukunciphisa iintlawulo zakho ngokusekelwe kwiimeko zakho zezemali kwaye wena usenokufumana iimali-mboleko zakho "zithethelelwe" okanye zihlawulwe ngokuxhomekeke kumsebenzi wakho.
Ukuba usebenza kwinkonzo karhulumente (ngaphandle kwezinto ezingenzi nzuzo, imfundo, ukuthotyelwa komthetho, okanye umkhosi, umzekelo), fumana ukuba zeziphi iingeniso ezikhoyo phambi kokuba ubhale isheke esikhulu.
Ekugqibeleni, ngeemali-mboleko, awuyi kusindisa imali ngokuhlawula ngokukhawuleza. Abanye ababolekisi bakha iirhafu kunye nomdla kwimveliso yemboleko (ephosakeleyo, nangemthethweni kwamanye amazwe) ukuze uhlawule umlinganiselo ofanayo kungakhathaliseki ukuba uhlawula. Ukuba umboleko wakho ngumboleko wemali, qaphela ukuba kwenzekani ukuba uhlawula ngaphambi kokuba ubhale isheke.