Ukuba unemali-mboleko yomfundi, unokuba uzibuza ukuba ufanelekile ukuhlawula irhafu . Unokukrazula inani lemali- mboleko yakho ukuya kuma-2500.00 ngonyaka. Nangona kunjalo, ukuba ungatshatanga kwaye wenza imali engaphezulu kwama-65,000.00.00 ngonyaka, loo mali isekelwe kwiinkqubo zesistim ukwenzela ukuba ungafaneleki ukufumana i-$ 2500.00 epheleleyo. Oku kungentla kwehliswa komgca, oku kuthetha ukuba akudingeki ukuba uzenzele ngokugcwele ukuhluthwa kweerhafu.
Oku kukhulu kuba abaninzi abaphumelele kwiikholeji zakutshanje abayi kuqalisa ukuqala kwiminyaka embalwa yokuqala abasebenza ngayo.
Ndiyithatha njani ukukhutshwa?
Uya kufuneka ufake ifom ye-1040 ngeShedyuli A ukwenzela ukuba ubangele le ntengiso. Inkampani yakho yemboleko yemfundo izokuthumela kwi-1098-E ifomu ekupheleni konyaka okanye ngoJanuwari kunye nenani lentando onokuthi ibango lakho lenze irhafu ngaloo nyaka. Qiniseka ukuba ulinde ifom phambi kokuba uyifake irhafu yakho. Kubalulekile ukugcina idilesi yakho ihlaziywe kunye nenkampani yakho yemboleko ukuze ufumane ulwazi. Ukuba unemali-mboleko yabafundi abaneenkampani ezininzi qiniseka ukuba ulinde inkampani nganye ukuba ikuthumele i-1098-E phambi kokuba uyifake irhafu yakho. Oku kunokukunceda ukuba ugweme ukufunwa ukulungiswa kwerhafu yakho yentlawulo kwaye ukwandise loo mali ufumana kwakhona irhafu.
Ngaba Ndifanele Ndiphephe Ukuhlawula Imali Yami Yomfundi Ngenxa yokuphulwa kweRhafu?
Abantu abaninzi bajonge ukuphuka kweerhafu njengesizathu sokungakhathazeki malunga nokuhlawula iimali-mboleko zabo zabafundi ngokukhawuleza.
Inzala kuphela yerhafu echithwayo ukwenzela ukuba ungenzi naliphi na imali ongeke uyihlawule nayo. Kubalulekile ukwenza okuthile malunga neengxowa-mali zakho zabafundi namhlanje. Unokuwujonga njengokuba ukhokhe imali inzala okanye imali yentela. Ukuba uhlawule imali yakho yemali-mboleko, uza kuba nemali eyongezelelweyo inyanga nganye, kwaye uhlawule imali encinane kwintlawulo nganye ngenyanga.
Oku kuya kunika imali eyongezelelweyo kwibhajethi yakho ngenyanga.
Ukuba inani lakho lesenzalo semali mboleko liphantsi, kwaye unomnye unetyala onokucinga ukuba ubeke umboleko wakho kumfundi ekupheleni kwesicwangciso sakho sokuhlawula ityala . Oku kuya kukuvumela ukuba usebenzise inzuzo yokuncitshiswa kweerhafu ngelixa unalo matyala, kodwa akufanele ugcine umboleko ukuze uthabathe inzuzo yentlawulo. Kubalulekile ukuba usebenze ekupheliseni ityala lakho ngokukhawuleza. Kuya kwenza kube lula ukufikelela kwezinye iinjongo zezimali kunye nokwenza izinto ofuna ukuzenza, njengokuthenga ikhaya. Xa uthenge ikhaya, unako ukukhangela inzala oyihlawulayo kwi-mortgage, kwaye izibonelelo ziphezulu kunomdla wemali mboleko.
Musa ukulibala ukugcina kwi-Mortgage Your Too
Nangona kunjalo, xa unemali yokubolekwa kwemali inokuthi ifakwe kwintlawulo yokutsalwa kweerhafu kwi-interest interest. Kufuneka ugxininise kwingxowa-mali oyigcinayo ukuze ugcine ipesenti encinci kwiirhafu. Ekugqibeleni, awukwazi ukugcina imali oyihlawula yona kwibhanki okanye kurhulumente. Ukuyeka ukuhlawula imali yakho yemali mboleko okanye yakho mboleko ngenxa yokuncitshiswa kweerhafu nje akenzi umqondo onengqiqo. Yenza ingqiqo ukuphuma kwetyala kwaye usebenze ekwakheni ubutyebi bakho.
Thatha Inzuzo Yonke Imirhumo Yentlawulo Yentlawulo kunye Nokukhutshwa
Ukongeza kwiihlomelo oza kufaneleka kuzo, kufuneka ukhangele naziphi na izikripthi zerhafu ozifanelekelayo . Iirhafu zerhafu zingabuyiselwa kuwe xa unemali eyongezelelweyo emva kokuba ufumene i-bill yerhafu. Xa ufaka iirhafu zakho, kufuneka usebenzise isofthiwe yerhafu eyenzelwe ukukunceda ufumane zonke izihlomelo kunye nezikredenti ozilungeleyo okanye ukuya kwi -akhawunti yerhafu onokukunceda ufumane iindlela zokulondoloza kwiirhafu. Ukuba uqeshwe okanye uqala nje ishishini lakho, unokufuna ukusebenzisa i-accountant ukuze ufake yonke into ngokuchanekileyo kunyaka wokuqala okanye ezimbini kwi shishini.