Izicwangciso ezikhawulezileyo zinciphisa iNzala kwaye ikunceda uhlawule iMboleko ngokukhawuleza
Ngaba kufuneka ukhethe isicwangciso sokubolekisa nge-week-week okanye i-vanilla ye-weekly plan mortgage plan. Izibizo ukuba uyazibuza yona le mibuzo, kungenxa yokuba ufuna ukuhlawula inzala encinane kwimboleko yakho yasekhaya. Ngokuqinisekileyo uyakwenza, kwaye akunzima. Kukho iindlela ezimbalwa ezahlukeneyo ongazisebenzisa ukunciphisa inzala yakho yonke kwaye uhlawule imali yakho yokuthenga ngemali ngokukhawuleza.
Izicwangciso zeNtlawulo ngeeveki
Umboleki wakho mhlawumbi unikeza isicwangciso -ntlawulo semali yokubambisa i-week-week , apho uhlawula intlawulo nganye kwiiveki ezimbini kunokuba uhlawule ngokupheleleyo ngenyanga nganye.
Ngokuhlawula iiveki ngeveki uya kwenza iintlawulo ezingamashumi amabini anesithandathu, kunye neentlawulo ezipheleleyo ezilishumi elinesithathu unyaka ngamnye-enye ngaphezu kokuba ungayenza ngokuthumela iintlawulo zenyanga zemveli zendwendwe.
Yonke idola yoluhlawulo olongezelelweyo luya ekunciphiseni ibhalansi yenqununu yemboleko yakho, ibhalansi yokuba izibalo zentshukumo ezayo zi sekelwe kuyo. Njengoko uyanciphisa inqununu, unciphisa intlawulelo epheleleyo ehlawulwe kunye nobude bexesha elithathayo ukuhlawula umboleko.
Umboleki wakho akayi kwamkela iifizi zentlawulo ezithunyelwe kubo kabini inyanga nganye, kodwa baya kubeka isicwangciso sokutsala inkokhelo kwi-akhawunti yakho yasebhanki nganye ngeveki. Abaninzi abanamalimi bahlawula umrhumo wesikhathi esisodwa ukuseka isicwangciso sokuhlawula ngeveki.
Imizekelo yokuThengisa
Makhe sijonge i-mortgage enokulingana kwinqununu eyi-150,000, iinyanga ezili-360, kunye nenani lentengo ye-6%.
- Inqununu yenyanga kunye nentlawulo yenzala = $ 899.33
- Inzala epheleleyo ngexesha lobomi bentlawulo = $ 173,757
Ukusebenzisa I-Bi-Weekly Option
- Intlawulo yee-Weekly = $ 449.67
- Inzala epheleleyo ngexesha lobomi bentlawulo = $ 135,294
- Imboleko ihlawulwa kwiminyaka engama-24 esikhundleni se-30
Uninzi lwethu aluyi kuhlala kwindlu enye iminyaka engamashumi amathathu, kodwa ungakuvumeli ukuba kukuyeke ukuhlawula iiveki ezimbini, kuba ukugcina ixesha elifutshane kubalulekile.
Umbolo wokuqala kumgca ngamnye ngezantsi ubonisa ibhalansi yesikhokelo semali-mboleko ekupheleni kweentlawulo zenyanga zonyaka.
Isalathisi sesibini sibonisa ukuba ininzi inqununu ihlala nini ngexesha elifanayo kumntu owenza iintlawulo zeveki nganye.
Unyaka 1
$ 148,157 ngokumalunga ne-$ 147,198 (Ukwahluka kwama-$ 959)
Unyaka 2
I-146,202 i-$ 144,224 (i-$ 1978)
Unyaka 3
I-144,126 i-$ 141,066 (Ukwahlukana kweedola ezingama-3060)
Unyaka 4
I-141,922 i-$ 137,715 (Ukungafani kwe-$ 4207)
Unyaka 5
US $ 139,581 ngokumalunga ne $ 134,157 (Ukwahlukana kwe-$ 5424)
Unyaka 6
I $ 137,097 ngokumalunga ne $ 130,380 (Ukwahluka kwe $ 6717)
Unyaka 7
I-134,459 i-$ 126,371 (i-Savings ye-$ 8088 ukuya namhlanje)
Iintlawulo zeeNyanga zeeNyanga zeeNyanga kunye neNkqutyana yeeVeki eziKhuselekileyo
Isicwangciso seveki ngeveki sisishukumisela ukuba sihlale sisendleleni kunye neentlawulo ezongezelelweyo, kodwa asiyisisombululo kubo bonke abafuna ukunciphisa umninimzi-mboleko wabo ngokukhawuleza. Kwezinye iimeko, icebo lokuhlawula ngokukhawuleza leveki ngeveki yimpendulo. Ukulandela zizathu zokukhetha le ndlela:
- Umboleki wakho unokuhlawula umrhumo omkhulu ukuqalisa isicwangciso sokuhlawula ngeveki
- Usenokungabi nesikhundla sokuhlawula rhoqo ngenyanga
- Usenokungakwazi ukuhlawula imali efanayo ngenyanga
- Kungenzeka kube lula kuwe ukuba wenze intlawulo yesamba semali rhoqo ngonyaka
Enye enye ikwahlula intlawulo yakho yonyaka ngamashumi alishumi elinesibini kwaye ungeze loo nani kwinkokhelo nganye yenyanga, uyiqonge njengentlawulo kwi-balance balance.
Ikhuphoni yakho yentlawulo yemboleko ingaba nomgca ongenalutho kule njongo. Ukuba akunjalo, fowuna isebe lenkonzo yesevisi yabathengi kwaye ubuze indlela yokwenza iintlawulo ezongezelelweyo kwiinqununu.
Imboleko kwimeko yangaphambili, uza kwahlula i-$ 899 ngeeshumi elinesibini ukufumana imali eyongezelelweyo ukuba ifake kunye nentlawulo yakho, i-$ 75.
Ibhalansi yakho eyinqununu iya kulingana nale mali elandelayo ekupheleni konyaka ngamnye kubonisiwe. Amanani kubazali babafundi abamele ibhalansi ngenxa yexesha elifanayo kwithuba lomntu kwisicwangciso se-week-week.
- Unyaka 1, i-147,232 (i-147,198)
- Unyaka wesi-2, i-144,294 (i-144,224 zamaRandi)
- Unyaka wesi-3, i-141,175 ye-$ 141,066.
- Unyaka wesi-4, i-137,864 i-$ 137,764.
- Unyaka wesi-5, i-134,348 (i-134,157 zamaRandi)
- Unyaka wesi-6, i-130,616 zamaRandi (i-$ 130,380)
- Unyaka wesi-7, i-$ 126,653 (i $ 126,371)
IziCwangciso zeNtlawulo zeThathu
Kukho iinkampani eziphambili eziza kuseka isicwangciso se-weekly for you.
Benza i-akhawunti yokutshekisha nganye iiveki nganye kwixabiso eliphakamileyo, li-week-week, bese uthumela intlawulo nganye ngenyanga. Kanye ngonyaka baya kwenza intlawulo yakho eyongezelelweyo. Abagadi beeNtlawulo bahlawula intlawulo yenkonzo.
Akukho sizathu sokuhlawula intlawulo yento onokuyenza ngokwakho usebenzisa enye indlela. Kuthekani ukuba umlamli uyangena kwaye ayenzi iintlawulo zakho? Ungavumeli mntu akuxelele oko akunakwenzeka - kunjalo.
Umboleki wakho akayi kukukhathalela ukuba "akuyiyo iphoso lakho" ukuba izakhono zokugcina ukugcina izakhono zikhokelela ekuhlawuleni kwexesha. Kuxanduva lwakho ukwenza iintlawulo ngexesha, nangona omnye umntu ekuthumelela yona.
Kungakhathaliseki ukuba wenza njani, ukwenza enye okanye ngaphezulu kweentlawulo zonyaka ngamnye kuncitshiswe kakhulu umlinganiselo wenzalo oya kuhlawula ngayo mboleko yakho yasekhaya.
Thatha ixesha lokudlala kunye namanani usebenzisa le iqoqo lababala be-intanethi . Uyakwazi ukubona ukuhluka okuncane kwimiphumo eyahlukeneyo, kodwa amanani afanele abe kufuphi ngokukhawuleza ukukunceda ukuba uhlole iimpawu zakho.