Okokuqala, kuthatha uphando oluthile kwaye, ukunyaniseka, akusoloko kusengqiqweni ukulungiswa. Ngaphezu koko, kukho ezinye iimeko apho ungeke ukwazi ukukwenza. Nangona kunjalo, ukuba awuzange ucinge ukuba kungenzeka, kusenokuba ixesha lokucoca.
Ngaba Ndivumelekile Ukuhlaziya?
Impendulo elula nguyebo. Ngaphandle kokuba kukho ulwimi elithile kwisivumelwano sakho semali-mboleko engakuvumeli ukuba usihlawule ngokusesikweni (oko kungathandabuzekiyo), ngoko kufuneka ukwazi ukuhlaziya umboleko wakho. Yaye ukuba ukwenza oko kukubaluleke kakhulu, akukho mfuneko yokuba ulinde kungakhathaliseki ukuba umdala wakho okanye umboleko wakho omtsha. Kubaluleke kakhulu ke, ukuba ufunde isivumelwano sakho semali mboleko ngokucophelela kwaye uthathe ukhangelelwano oluqinileyo kwiimeko zakho ngaphambi kokuhlaziya. Uyabona, yinto enye ukwazi ukuba unokuyilungisa imoto yakho, yinto enye ukuba uyazi ukuba kufuneka.
Ngamana Ndingangabi Nako Ukuhlaziya?
Ukuba ubolekisile ixesha elifutshane nje, mhlawumbi uhlawula umdla, kungekhona inqununu.
Kwimeko enjalo, mhlawumbi unesimo esifanelekileyo sokulingana, oku kuthetha ukuba unetyala elingaphezulu kwemali mboleko ngaphandle kwesithuthi. Ngenxa yoko, kunokuba nzima ukufumana umboleki-mboleko oza kuhlaziya imoto yakho. Kuyafana ukuba inqaku lakho lekhredithi liye lahla ngenxa yokuthatha imali mboleko yokuqala. Kusenokwenzeka ukuba ufumane umboleko omtsha, kodwa mhlawumbi uya kuba nzima kunaphambili.
Kutheni iRefinance?
Ukugcina imali, kunjalo, kodwa ukugcina imali kunokuthetha izinto ezahlukeneyo kubantu abahlukeneyo. Kwimeko yokuhlaziya imboleko yemoto, kukho iindlela ezininzi zokusondela kumbandela. Okokuqala, abanye abantu bakhangele ukunciphisa iindleko ezipheleleyo zemboleko yabo. Bona ukuwa kwexabiso lentlawulo yangoku kunye nokubala ixesha lokugcina. Bokuba banomdla ekusebenziseni loo maxabiso aphantsi ukuba bangene mboleko ngexesha elifutshane lokuhlawula, besuka kwiminyaka emihlanu ukuya kwimali-mboleko yeminyaka emithathu, umzekelo. Ngokwenza njalo, abanako ukubona ukuhla kweentlawulo zabo zenyanga (kwaye banokubona ukwanda), kodwa ixesha elifutshane lemali-mboleko linokuthi lithengise imali ebonakalayo ngaphezu kwemali mboleko. Kungakhathaliseki isizathu, isitshixo siyinzala engaphantsi, kwaye ukuhla kwamanani kungabangelwa kuphela kwiimeko zoqoqosho jikelele, kodwa nangenxa yenguqu enhle kwiimeko zomboleki. Abantu abaninzi bafumanisa ukuba amanqaku okuthenga ngamatyala aphuculweyo, ngamanye amaxesha ngokubaluleka, ukususela ekuqalekeleni imali yabo yemali mboleko.
Kukho abantu apho banomdla wokuhlaziya ngokuyinqobo ukunciphisa iintlawulo zabo zenyanga okanye nokuba bengenzi njalo kuya kunciphisa iindleko ezipheleleyo zemboleko. Oku kudla ngokuba yinto kulabo abaye baphumelela kwiingxaki zemali zoluhlobo okanye olunye kwaye bazifumana befuna ukufumana ngaphantsi kwexesha elifutshane.
Ngandlela-thile, le ngxenyana yeflip yokuhamba ukusuka ixesha elide ukuya kwi-mboleko emfutshane. Apha, umntu obolekayo angafuna ukwandisa ixesha lokubolekisa imali ngokukhawuleza kwenyanga. Ukuba ngaba isizathu sakho sokuhlaziya, nokho, lumkele kakhulu. Uyakuthi uhlawule ngokubanzi ngokugqibeleleyo kwemali mboleko kwaye ugqibe ngesithuthi esipheleleyo ngexabiso elincinci lokubuyisela imali.
Indlela Yokuhlaziya
Inkqubo yokuhlaziywa kwemoto ibonakala lula, ubuncinane kuthelekiswa nokuhlaziya ikhaya okanye ukufumana imboleko yemoto yokuqala. Kufuneka ube nokuqonda okucacileyo kwexabiso lakho langoku, imali oyimali-mboleko yakho, umlinganiselo wakho wekhredithi kunye namaxabiso ebolekisiweyo. Ngoko ke konke malunga nokufaka ixesha elincinane kunye nomgudu wokufumana i-best deal.