Yiyiphi Imizekelo Yeebhanti Ezilungileyo?
Intyala ebizwa ngokuba yinto elungileyo, kuba abantu abaninzi bakholelwa ukuba umphumo ulungele ukuboleka imali. Abanye abantu baya kuzama ukuthethelela ukuthenga ngokubiza ityala elilungileyo okanye besithi yindlela ephela yokuhlawula ukuthenga okukhulu, kodwa ukuba iya kuhlawula ixabiso ngelixa uhlawula inzala (njengemali mboleko yemoto), ngokwenene akakwazi ukubiza ityala elihle. Kukho iintlobo ezimbini ezibalulekileyo zetyala elihle.
Ityala leMali
Omnye umzekelo wale ngxowa-mboleko mboleko . Eli tyala lincede ukukhulisa ingeniso yakho engenayo, enokuthi ifune ukuboleka imali. Nangona kunjalo, usasafuna ukukhawulela inani lemali oyibolekayo. Ngezinye izihlandlo ungayibhalela ityala elibi kwisikolo-mboleko somfundi-awudingi ukuboleka ngokwaneleyo ukuba uphile ubomi obuxabisekileyo kunye nobubi. Unako ukurhola inzala oyihlawulayo ngemboleko yakho yomfundi , nangona ungayifumani, onokuyihlawula loo matyala phantsi kwesicwangciso sakho sokuhlawula ityala.
Mortgages
Omnye umzekelo wetyala elihle ngumvuzo . Ukwakha ubulungisa ekhaya lakho, kwaye imali oyihlawula ekhaya iya kubonakala njengotyalo-mali. Abantu abaninzi bajonga ukuqasha indlu njengoko nje belahle imali yakho, kanti ubeka ubulungisa xa uthenge ikhaya . Ngoko ke imali yokuqala yokuboleka imali ibhekwa njengetyala elifanelekileyo.
Nangona kunjalo, oku kungaguqulela kwisigqibo esibi. Ukuba uboleka kakhulu ikhaya lakho okanye imali kwi-equity yakho ukuthenga izinto ngokukhawuleza ngoko ityala lakho lokuboleka imali ayikho ityala elihle.
Liliphi Iingxowa Zibi?
Ityala elibi liboleki. Oku kubaluleke ngokukodwa ngamakhadi-mboleko okanye ngemali mboleko. Ngokuqhelekileyo akukho nto inokubonisa ngayo ityala xa uboleka. Ukongezelela, umyinge wamanqaku kumakhadi-mboleko okanye iimali-mboleko zemali zihlala ziphakamileyo kunokuba zihlawulwe ngemali-mboleko kunye netyala lomboleko. Kubalulekile ukukwazi ukuthethelela nawaphi na amatyala owathathayo kwaye uyichithe kwizinto ezifana namafilimu ngaphandle okanye iindleko zokuzonwabisa azikho izizathu ezilungileyo. Abanye abantu baqikelela ukuboleka kwemoto, kuba udla ixesha elide ufuna imoto ukuba ufike kwindawo eya kwindawo, nangona imoto yinto ehlaziyiweyo. Unokusebenza ekuphuleni umjikelezo wemboleko yemoto ngokuqhuba imoto yakho ixesha elide kwaye ulondoloze ukuthenga enye entsha. Ngaphambi kokuba uthathe ityala elongezelelweyo zibuze le mibuzo:
- Ngaba ndiza kubakho into yokubonisa le mali kunyaka ozayo okanye kwiminyaka emihlanu?
- Ingaba kukho into endiyidingayo ukuthenga ngokukhawuleza (njengokulungisa imoto okanye ukuhlawula iimeko eziphuculweyo zonyango)? Ngaba ndinokuyigcina endaweni yalo?
- Ngaba kukho enye indlela yokuhlawula le nto?
Qaphela ukuba Unokuboleka Kangakanani
Ukukhetha kwakho indlela ochitha ngayo imali yakho kuhambelana nokuba ngaba ityala lithathwa njengelungileyo okanye elibi.
Kubalulekile ukukhumbula ukuba nayiphi na ityala eligqithiseleyo okanye elisetyenziselwa ukuthenga izinto endaweni yezidingo kufuneka liphephe. Ukongezelela, ngenxa yokuba ityala lilungile kunokuba libi, akuthethi ukuba ufanele ukuboleka yonke imali ekhoyo kuwe. Sebenzisa isigqibo esihle xa wenza izigqibo zokuboleka imali. Usenokuzisola ukuthengwa ikhaya xa ugqiba ekubeni ngumntu osweleyo indlu ngenxa yoko. Ukugcina izinto zikhululekile uzame ukugcina ityala lakho liyingeniso engaphantsi kwama-twenty-five percent of your income.
Sebenza Ukuhlawula Zonke Iimali Zakho
Nangona ityala ithathwa njengetyala elihle, kufuneka usebenze ukuhlawula amatyala akho ngokukhawuleza. Oku kuya kukuvumela ukuba uqale ukwakha ubutyebi. Inokukunceda ukuba uphishekele amaphupha akho, kuba awuyi kuba ngumxhomekeke kwikhokheji yakho ngenyanga.
Kukho izizathu ezininzi zokuphuma kwetyala. Ukuba uzimisele ngokuphuma kwetyala, kuzakufuneka uhlele uhlahlo lwabiwo-mali kwaye lukhulu isicwangciso sokuhlawula ityala esikuvumela ukuba ufake imali eyongezelelweyo kwimboleko yakho ngenyanga. Unokuhlawula ityala lakho ngokukhawuleza kunokuba ucinge ukuba usebenzisa imali ngokuchanekileyo. Kusenokuthetha ukuthatha umsebenzi owongezelelweyo ngexesha elifutshane okanye ukunciphisa indlela ophila kuyo , kodwa imihlatshelo iya kuwufanelekela umzamo.