Kuthiwani Ngokuhlanganiswa Kwemali Yomfundi?
Olunye uhlobo oluqhelekileyo lokuhlanganiswa kwemali mboleko luhlanganiswa kwemali mboleko. Oku kunenzuzo kuba uyifake inqanaba lomyinge ophantsi kwimali-mboleko yomfundi. Kananjalo unakho ukhetho lokukhulisa ubomi bomboleko kwaye ngaloo ndlela unciphisa iintlawulo zenyanga. Ukuba ukhetha ukwenza oku kubalulekile ukuba uqaphele ukuba iya kwandisa inani lemfuno oya kulihlawulela kuba uya kuhlawula imali mboleko. Nangona kunjalo, loo nto ingaba neelungelo lokufumana iintlawulo ezininzi, kwaye unokwandisa iintlawulo zakho njengoko inzuzo yakho inganda. Ukuba uthatha isigqibo sokudibanisa iimali-mboleko zomfundi wakho, yenza loo mboleko kwi-Federal Direct loan ukwenzela ukuba ufanele ukufumana imboleko yokuxolelwa kwemali mboleko.
Ngaba Ndinokudibanisa Ezinye Iintlobo Zemivuzo?
Unokuhlanganisela amakhadi akho ekwereta, iimali-mboleko zemoto yakho okanye iimali-mboleko zemvume. Uyakufuna nje ukuthabatha imali enkulu kwaye usebenzise loo mali ukuhlawula amanye amatyala.
Iibhanki ezininzi ziza kusebenza ngokukodwa kwimali-mboleko yokuhlanganiswa, kwaye unokufumana izibonelelo zemboleko kwi-imeyile enikezela ngemali mboleko yokuhlanganiswa kumaxabiso aphantsi. Ukuba ufumana ezi zinto, funda ukuprintwa okulungileyo kwaye ujonge ukuhlaziywa kwe-intanethi kuba amaninzi emigangatho yenzalo, kwaye awukwazi ukufumana inzuzo ekukhutsheni imali.
Yintoni endimele ndiyiqaphele xa ndihlanganisa iMboleko yam?
Okokuqala kubalulekile ukuba ungalokothi ucinge ukuhlanganiswa kwemali mboleko apho uthatha ityala elingakhuselekanga njengamakhadi-mboleko kunye nemali-mboleko yesayinwe kwaye uyisithumele kwiityala ezikhuselekile. Omnye owenza oku angathatha imali mboleko yemali okanye i-mortgage yesibini ukuhlawula amakhadi ekwereti. Oku kubeka ikhaya engozini xa bengenakho ukuhlawula loo mabhili nangayiphi na isizathu.
Ziziphi Iingenelo Zokuhlanganiswa Kwemali?
Abantu abaninzi bacinga ukwenza ukuhlanganiswa kwemali mboleko kuba kuvumela ukuba bavale kwiimali-mboleko ngenani lemali elincinci kwaye banikezele intlawulo. Kubalulekile ukuqwalasela ukuba inqanaba elingaphantsi kwenani lomyinge liphantsi kwaye nokuba awuyiyo isisigxina ngaphambi kokuba uthathe le nyathelo. Ukuba le nto inokuba yinto enhle xa nje uyeka ukusebenzisa amakhadi akhokredari kwaye utshintshe imikhwa yakho ukuze ungaqhubeki ukuqhuba ityala. Kufuneka ukhethe imali ebolekileyo yokudibanisa ngemimiselo eqinile kunye nenqanaba lomdla.
Ziziphi iiengozi zokuhlanganiswa kwemali?
Ukuhlanganiswa kwemali mboleko kuya kukhululeka ukukhulula umvuzo omncinci, kwaye ucacise ukulinganisela kwekhadi lesikweletu. Nangona oko akuthethi ukuba yinto efanelekileyo yokuqhubeka uchitha imali ngezinga elifanayo oye ladlulela ekuhlanganiseni.
Abantu abakwenzayo baphetha ukuqhuba amakhadi abo ekweretyana kwakhona kwaye babe ne-mboleko yokudibanisa ukuhlawula ngaphezulu. Kubalulekile ukujonga iimpawu zakho zezimali ngokucophelela ngaphambi kokuthatha le nyathelo.
Ngaba Ukuhlanganiswa Kwemali Kuya kuXhobisa iingxaki zamatyala?
Ukuhlanganiswa kwemali ayiyikujongana neengxaki eziye zafaka ityala kwindawo yokuqala. Kubalulekile ukulungisa ezo ngxaki kwaye unamathele kwisabelo-mali ukuze utshintshe imeko yakho yezemali. Ukuhlanganiswa kwemali kungayi kulungisa iingxaki zakho zezemali okanye ukulahla ityala lakho, nangona kunokunciphisa iintlawulo zakho zenyanga. Udinga ukujongana nemiba yangempela kwimimiselo yakho yokuchitha imali ukuze ufike phambili kwimali. Isinyathelo sokuqala kukufumana uhlahlo lwabiwo-mali ukwenzela ukuba unqande ukudlulisa imali ngaphezulu kwaye ufinyelele iinjongo zakho zemali.