Xa ulungele ukuphuma kwetyala, uyazi ukuba kufuneka wenze iintlawulo ezongezelelweyo kwiimali-mboleko zakho ukuze uhlawule imali ngokukhawuleza. Kunenzuzo ngakumbi xa wenza ezi ntlawulo ziya ngqo kwinqununu yakho mboleko. Oku kufuneka kube yinxalenye yesicwangciso sakho sokuhlawula ityala . Kubonakala kuyinkqubo ecacileyo kakhulu, kodwa kukho izinto onokuzenza kunye nebhanki yakho ukuqinisekisa ukuba imali eyongezelelweyo ohlawulayo ikukunceda ukuhlawula umboleko ngokukhawuleza. Kufuneka uqonde kwakhona nayiphi na imali edibene neentlawulo ezongezelelweyo ngemboleko ukuze ukwazi ukugxila kwimali indlela engcono kakhulu.
01 Iintlawulo Zongezelelweyo Zisebenzise njani kwiNgxowa-mboleko yakho?
Ukuba ibhanki yakho ithatha inkokhelo eyongezelelweyo kwaye iyayisebenzisa kwinzala yokuqala, unokusebenza ngokubanzi malunga nokuhlawula iintlawulo zakho ezongezelelweyo ngexesha elifanayo ukuba wenze intlawulo yakho yenyanga. Ngale ndlela imali iya kuhamba nenqununu. Ukuba unokhetho lokwenza inqununu kuphela intlawulo, qiniseka ukuba uhlolisise ibhokisi kwi-slip yentlawulo uze uhlolisise kabini ukuqinisekisa ukuba sele isetyenziswe ngqo kwimboleko yakho.
Isitshixo kukuba wenze iintlawulo ezongezelelweyo ngokukhawuleza ukuze uhlawule imali yakho ngokukhawuleza. Nangona kunjalo, ukwenza imali eyongezelelweyo ngemali oyifumana kwiibhonasi okanye ukubuyiswa kweerhafu kungcono kunokuba uhlawule ngemboleko. Ukuba ufuna ukuhlawula ikhadi lakho lekhredithi, kuya kufuneka wenze okungaphezulu kweyona ntlawulo yincinci ngenyanga nganye ukufikelela kwiinjongo zakho.
02 Ingaba kukho iiNtlawulo zeeNtlawulo ezongezelelweyo okanye iNkcazo kuphela Iintlawulo?
Kubalulekile ukuqonda ngokupheleleyo imiqathango yemboleko. Ezinye iibhanki ziya kukuhlawula umrhumo ukuba wenza intlawulo ehlawulwe ngemboleko nganye ngenyanga. Abanye baya kukuhlawulisa ukuba wenza inkokhelo eyintloko kuphela. Unako ukukhusela imirhumo xa ungeze imali yentlawulo yakho eyongezelelweyo ixabiso lakho lentlawulo yenyanga. Nangona kunjalo, ezinye iingxowa-mboleko ziyakukuhlawula intlawulo xa uhlawula umboleko kwangaphambili.
Imali-mboleko ingaba nesigatshana apho ungakwazi ukuyihlawula kwangethuba kwipesenti ethile yexesha ukukhusela ukuba uhlaziywe ngokukhawuleza. Nangona kunokukhungathekisa ukuhlawula intlawulo, mhlawumbi uya kusindisa imali kwinzala xa uhlawule ngokukhawuleza. Nangona kunjalo, oku kungatshintsha apho ubeka eli matyala kwisicwangciso sakho sokuhlawula ityala.Kongeza, ukuba usondele kwixesha apho isigwebo sinyusa, ungagcina ugcine imali ngokulinda ixesha elidlulileyo. Iintlawulo zenzalo ezinyangeni ezimbalwa ziza kuba ngaphantsi koko i-$ 1000.00 isohlwayo
03 Khetha iSicwangciso esiPhambili seNtlawulo ezongezelelweyo
Emva kokuba uqonde iifizi ezihambelana neentlawulo ezongezelelweyo kunye neendlela iintlawulo zakho ezisetyenziselwa ngayo inqununu, unokuza necebo elifanelekileyo lokuhlawula imali yakho ngokukhawuleza. Unokufuna ukuhlawula enye intlawulo enkulu ngenyanga ngenyanga yemboleko ukuze ukhuphe iimali kwaye uyihlawule ngokukhawuleza. Ukuba uhlawulwa kaninzi ngenyanga, unokufuna ukubeka imali yentlawulo kwi-savings ukuze ungalingeki ukuba uyichithe.
Ukuba ibhanki yakho ayihlawulisi nayiphi na imali eyongezelelweyo, ungakhetha ukwenza njalo xa uhlawulwa. Oku kuya kwenza kube lula ukusebenzisa imali eyongezelelweyo oyifumayo ngokukhawuleza xa uyifumana. Esi sicwangciso siyakunqanda ukuba uchithe imali ngaphambi kokuba uphume ekuphumeni kwetyala . Kwakhona kubalulekile ukukhetha ngokucophelela umyalelo ohlawula amatyala akho .
Ukugxininisa kwelinye ityala ngexesha eliya kukunceda ukwandisa iintlawulo zakho ezizeleyo kwaye kukuncede uphume kwetyala ngokukhawuleza. oku kungenxa yokuba iya kunciphisa inqununu ngomboleko omnye kwaye unciphise inani olihlawulayo kwimali. Ukuhlawula imali ephezulu yemali mboleko yakho yokuqala kunokukunceda ugcine imali kwaye ukhawuleze inkqubo.
04 Ukwenza Intlawulo yokugqibela
Xa ulungele ukuhlawula umboleko, kuya kufuneka udibanise nebhanki yakho kwaye ufumane isixa sokugqibela sentlawulo. Inomdla inganyuka imihla ngemihla, kwaye ngoko imali iya kutshintsha. Ibhanki yakho inokucaphula inani lemali yokufumana inombolo yeentsuku. Unokwenza inkokhelo kumntu ukuba ufuna ukuhlawula imali ethe xaxa, okanye ungathumela ngentlawulo yakho yokugqibela ngeposi okanye uyihlawule kwi-intanethi.
Kufuneka ukhangele ingxelo esilandelayo ukuqinisekisa ukuba uhlawule yonke into, kwaye ungenanto yemali eyongezelelweyo ngemboleko. Ukuba ngaba yimali -mboleko yemoto , kufuneka ulindele ukuba ibhanki ikuthumelele isihloko kwisithuthi sakho kwiiveki ezimbalwa ezizayo.
Ukuba ngaba ikhadi lekhredithi , ngoko uya kufuneka ukukhangela isitatimende sakho esilandelayo ukuqinisekisa ukuba awukweleta nayiphi na into eyongezelelweyo. Qiniseka ukujonga iingxelo kunye nemali yakho. Awufuni ukuphelisa nge-credit yakho ngetyala lakho ngoba ukhohliwe ukuhlawula inqaku elincinane lokugqibela lomdla. ukuya ebhankini ukwenzela ukuba inkokhelo yokugqibela inokukunceda ukuba ugweme le meko.