- Uya kuhlala uhlawula ixesha elide
- inkokhelo nganye iya kuba yintoni
- isixa-mali oya kuhlawula ukuzonwabisa ngokuthenga izinto ngomnye umntu
Awuze uphumelele kunoma yiphina inqanaba, kodwa kubalulekile ukwazi kakuhle into edibanisa nokufumana intsebenziswano entle kwinqanaba elilodwa kuya kuthetha ezinye iindidi.
Ngenxa yale mvavanyo, masithi ufuna ukufumana imali mboleko yemali eyi-$ 10,000, kwaye unquma ukuba umboleko kufuneka ube yi-1,2,3,4,5,6, okanye iminyaka engama-7 ubude (12, 24, 36, 48 , 60, 72, okanye iinyanga ezili-84, ngokulandelanayo). Makhe sicinge ukuba inzala enikezelwa kuyo yonke imiboleko i-5 ekhulwini ngonyaka.
Okokuqala, makhe siqwalasele "enkulu ukukhwabanisa" kwiphina mboleko: intlawulo yenyanga. Ngexesha elikude nokuqwalasela kubaluleke kakhulu nawuphi na umboleko, kubaluleke kakhulu ukuba uya kuba nako ukuhlawula le ntlawulo nganye ngenyanga ngaphandle kokunciphisa uhlahlo lwabiwo-mali okanye ukungena kwi-savings.
Ingakanani Uya kuhlawula Ngayo Inyanga nganye Ngomlinganiselo ngamnye weNgxowa-mali yeMali-mboleko:
- Iinyanga ezili-12: $ 856.07
- Inyanga ezingama-24: i-438.71 yeeRandi
- Iinyanga ezingama-36: i-299,71
- Inyanga engama-48: i-$ 230.29
- Inyanga engama-60: i-188.71
- Iinyanga ezingama-72: i-161.05 yezigidi
- Inyanga engama-84: i-141.34 i-$
Kucacile ukuba ukhangele ukunciphisa intlawulo yakho yenyanga, iprogram yeenyanga ezili-84 iphumelele. Kodwa mhlawumbi uqaphele ukuba akukho mmahluko omkhulu phakathi kwentlawulo oya kuba yenze kanye kanye nenani leminyaka liyakwanda: yintoni umehluko omkhulu, uya kuzibuza, phakathi kwemali-mboleko yeenyanga ezingama-60, 72, kunye ne-84?
Impendulo, bahlobo bam, inomdla.
Isizathu sokuba amabhanki, ukuthengiswa kwemoto, kunye namanye amaziko emali azimisele ukuboleka imali ngenxa yokuba benza imali kuwe. Xa usulela ixesha elide lomboleko wakho, kungekudala uza kuhlawula omnye umntu ukuba akwazi ukwenza njalo.
Unomdla onjani oza kuwuhlawula ngokupheleleyo kwiMithetho yeMali eyahlukeneyo:
- Iinyanga ezili-12: i-$ 272.90
- Inyanga ezingama-24: i-$ 529.13
- Iinyanga ezingama-36: i-789.52
- Inyanga engama-48: i-$ 1,054.06
- Iinyanga ezingama-60: i-$ 1,322.74
- Iinyanga ezingama-72: i-$ 1,595.05
- Inyanga ezili-84: i-$ 1,872.48
Ngaba kulungile kuwe ukuba ukhokhe imali engaphezulu kwama-550 e-R50 ukuze ulwebise ubude bemali-mboleko yakho ukususela kwiminyaka emi-5 ukuya kwi-7? Ingayiyo. Kodwa mhlawumbi uya kucinga kwakhona xa ubona ukuba yiyiphi ipesenti yemali oya kuyichitha iya kuhamba ngokubhekiselele kwi-pocket yakho yemboleko kunokuba uhlawule imoto yakho.
Yiyiphi ipesenti yeNgxowa-mboleko inomdla kwixesha elilodwa leNgxowa-mboleko yeMoto:
- Iinyanga ezili-12: 2.66 pesenti
- Iinyanga ezingama-24: i-5.03 ipesenti
- Iinyanga ezingama-36: i-7.32 pesenti
- Inyanga engama-48: 9,54 ekhulwini
- Inyanga engama-60: 11.68 pesenti
- Iinyanga ezingama-72: i-13.76 pesenti
- Iinyanga ezili-84: i-15.77 pesenti
Oko kuthetha ukuba ukuba ukhetha imali-mboleko yeminyaka eli-7, i- 15 epheleleyo yepesenti yemali oyihlawulayo iya kuhamba kungekhona imoto yakho , kodwa ngqo ngqo kwibhanki.
Ngoko, kunengqiqo nini ukufumana mboleko yemali engama-84, kwaye nini?
Xa Iyenza Ingqiqo Yokuhamba Ngeniso-mali Yenyanga-84:
- Ukuba u-cash-strapped. Nangona ndiyakumcebisa ukuba uthathe ukubheka ibhasi okanye olunye uhambo lwenkonzo yoluntu ukuba kuya kuthatha iminyaka engama-8 ukuhlawula ixabiso elihlaziyiweyo elingenakwenzeka ukuhlala ixesha elide kakhulu, ukuba ufuna ngempela imoto kwaye unako ukufumana inkokhelo yenyanga ephantsi kakhulu, inokuboleka imali.
- Uxolo , le mpendulo ingentla yisona sizathu esilungileyo sokuhamba nomboleko owedlule.
Xa Akungenzi Ukwazi Ukuhamba Ngomvuzo Wenyanga-84:
- Ukuba unako ukuhlawula imali ephezulu ngenyanga. Enyanisweni-kutheni unokuyandisa ixesha elibi ngenxa yokuhlawulwa komnye umntu? Ukuba unako ukuhlawulela ngokukhawuleza intlawulo ephezulu yenyanga, ayifaki ingqiqo yemali ukuyikhupha.
- Ukuba unayo imali ekhoyo. Ngaba unako ukuboleka imali kwisihlobo sokuthenga isithuthi? Ukuba kunjalo, kufuneka uqikelele ukwenza oko ukuze uzigcinele iintlawulo ezingenasidingo zentlawulo.
- Ukuba awudingi ngempela imoto. Ukuba uhlala kwindawo enkulu yedolophu kunye nezothutho zoluntu ezithembekileyo, okanye ukuba unokwenza i-carpool ngokukhawuleza kunye nommelwane, kufuneka uzibuze ukuba okanye ungayikhokheli imali engamawaka e-dollar inomdla kakhulu-ukuba ungathethi iindleko eziphezulu zokugcina , ukukhupha, nokuqinisekisa isithuthi.