Kutheni iNgxowa-mali eyona nto iyisisitshixo sokuTyala imali ephantsi
Indlela eyona ndlela yokufumana umboleko oncinci kukuba nekhredithi enhle. Ukuba ngababolekisi bakholelwa ukuba unokuhlawula njengoko kuvunyelwene-ngexesha kunye nexabiso elinqunywe ngaphambili-baya kunika amaxabiso angcono kunye nezinye iindlela.
Oku kungabonakala kungenakulungile ukuba i-credit yakho ithathile ngenxa yokuba unengxaki yemali ngexesha elinye. Ngokuhamba kwexesha, unokwenza ngcono i-credit yakho kwakhona ngokusebenza ngokukhawuleza kwaye uxanduva.
Imali eXhaswayo
Ezinye iingxowa-mboleko, ezinjengemali- mboleko yomfundi kunye neeprogram zangaphambili ze- homebuyer , ziyimali-mboleko ephantsi kakhulu. Ngaphantsi kwezi nkqubo, omnye umntu uhlawula inzala kuwe kwaye unciphisa iindleko zakho zokuboleka. Basebenzise xa unako.
Ukutshintshela kwiimali ezingabizi
Ukuba sele unemali-mboleko engabonakaliyo, ungayigcina imali ngokuguqula imali engcono, kungenzeka ukuba uhlaziywe okanye udibanise nemali-mboleko engancinci. I-tradeoff? Unakho ukuhlawula umdla ngaphezu kwexesha lakho lobomi (nangona inzala engaphantsi), kwaye unokubeka ikhaya lakho engozini. Cinga ngemingcipheko yemali-mboleko engancinci ngaphambi kokuhlaziya.
Ukongezelela, qaphela iimbobe zemali ezibonakala ngathi zibolekeleleke. Ngokomzekelo, " akukho ndleko zokuvala " iimali-mboleko zihlala zineendleko.
Awukwazi ukuhlala ufumana iindleko ekuqaleni.
Unokwazi ukuguqula iitaliti ezibizayo ezikhoyo kwimali-mboleko engancinci ngaphandle kokuhlaziya. Ukuba unenkathazo yezemali, umnini-mboleko wakho unokutshintsha imiqathango yemboleko yakho ukuze uhlale ungaphantsi.
Ukuhlalutya iMali
Uyazi njani ukuba zeziphi iimali-mboleko eziphantsi kwemali-mboleko?
Qala ngemali yepesenti yepesenti ( APR ). Le nani kufuneka ifake iindleko ezingentla kunye nangaphezulu kwezinga lentlawulo ohlawulayo, njengeendleko zokuvala kunye nezinye iirhafu. Ngoxa i-APR isixhobo sokufumana iimali-mboleko ezincinci, awukwazi nje ukukhetha u-APR ophantsi. Gwema ukufumana umboleko ongafanelekanga ngokuthelekisa u-APR .
Ukuboleka koontanga
Ukuboleka kwamanye amantombazana kunokukunceda ufumane iimali-mboleko ezincinci. Ukuba awukwazi ukufumana intle ibhanki, zama ukucela abanye abantu. Amathuba akho ayilungile kangako kuba akufanele uhlawule ukukhangisa kunye nentloko yeebhanki ezinkulu, kwaye umntu unokufuna nje ukunceda. Abahlobo kunye nosapho bahlala benika imali ephantsi, kodwa kufuneka uqaphele.