Ndiyakwazi Ukuhlaziya?

Izidingo zeMboleko entsha

Umbuzo: Ndingathanda ukufumana ukuba ndiyakwazi ukuhlaziya imali yam. Kuthatha ukuthini ukwenza oku kwenziwe?

Impendulo: ukufumana imali mboleko entsha oya kuyidinga ukuyifaka isicelo semali mboleko entsha kwaye uvumeleke ngetyala lakho.

Ngaba Unako Ukulungelelanisa I-Refinance?

Ngaphambi kokufaka isicelo sokucocwa, kuluvo oluhle ukufumanisa ukuba ngaba ungayifumana imboleko okanye cha. Ukuba akunjalo, uya kuzibona kungekudala kunokuba uqale ukulungisa nayiphi na ingxaki.

Ukuze ufaneleke ngemboleko yemali, ufuna oku kulandelayo:

• Ikhredithi efanelekileyo
• Imali engenayo
• Ukulingana okwaneleyo ekhaya

Okokuqala, jonga ikhredithi yakho. Ngokomthetho, uvumelekile ukuba ulandise iingxelo zekhredithi zamahhala ezivela kwiziko ngalinye lokubika ngetyala ngonyaka ngamnye. Khangela nayiphina impazamo kulezo ngxelo. Eyona nto ingenayo nayiphi na intlawulo emva kwexesha, kwaye i-credit yakho iyinto enhle (okanye ingcono) kunokuba yayinjalo xa ufumana imali mboleko yakho yangaphambili. Unokuhlaziya kunye nekhredithi engaphantsi-epheleleyo, kodwa unokhetho oluncinane.

Emva koko, khangela ukuba unemali engenayo yokwenza uhlaziyo. Mhlawumbi unayo ingcamango yokuba zeziphi iintlawulo zakho zenyanga nganye (ukuba akunjalo, sebenzisa i-calculator yemboleko ukufumana). Qinisekisa ukuba ityala lakho lokufumana imali yokufumana imali liyakwanele ukufumana umboleko omtsha.

Ekugqibeleni, fumana ingcamango yemboleko yakho ukuxabisa ubungakanani . Ngokuqhelekileyo, unokuhlaziya ngaphandle kobunzima ukuba ibhalansi yakho yemali mboleko ingaphantsi kwe-80% yexabiso lekhaya lakho. Nangona kunjalo, ikhredithi yakho kunye ne ngeniso ihlala ibangela iingxaki.

Iingxaki zokuhlaziya

Ukuba ufumanisa ukuba awukwazi ukuhlaziya kuba abathengi abathandi i-credit yakho, ingeniso, okanye umbolekiso ukuxabisa amaxabiso, zama ukufumana isisombululo. Ukuba i-credit yakho okanye ingeniso yakho ityala, cinga ukusebenzisa umsebenzisi-mvume ukuze ufanele ukuboleka imali. Loo mntu unako ukubolekisa abathengi ngakumbi ngokubuyiselwa.

Ukuba umnini-mlingani wakho unesikolo-mali esinamandla, imvume iya kunokwenzeka.

Ukuba awukwazi ukulungiswa ngenxa yokuba ungenalo ukulingana okwaneleyo (okanye ikhaya lakho lingaphantsi kwamanzi), uphando iinkqubo zikaRhulumente. Kukho iinkqubo ezininzi zokuhlaziywa ezilungiselelwe abanikazi bezindlu abawa phantsi kumaxesha anzima. Ungakwazi ukuhlaziya kuphela ngale nkqubo xa uhlangabezana nemigangatho ethile, kodwa uhlala unelungelo lokuzama.

Ngokubanzi, iiprogram zemboleko zorhulumente zibhetele kakhulu xa ungeke uhlaziywe nebhanki okanye umthengisi wemboleko. Ezi nkqubo zinemimiselo enomdla xa ifika kwizikolo zekhredithi kunye nokulingana kwasekhaya.

Ukuya phambili

Ekugqibeleni, indlela yodwa yokufumanisa ukuba unokwenza ukulungiswa kukufaka isicelo sembolekiso (nangona kunjalo, kufuneka uzifundele ngezihloko ezingasentla ngaphambi kokuba wenze isicelo). Xa ulungele ukuqhubela phambili, qhagamshelana nomboleki kwaye uqale inkqubo. Ukuze uthole iinkcukacha ezithe vetshe, funda indlela yokuQinisekisa .