Ngaba UkuBumbana Kwetyala Kuya Kuphelisa Ingxaki Yakho Yamatyala?

Ukwenza isigqibo esibalulekileyo malunga nokuQiniswa kweMatyala

Akungathandabuzeki ngento, ukujongana netyala kunokuba ngumzabalazo. Xa ityala lakho likhulu kakhulu, into kuphela ongayicinga ngayo isisombululo. Ukuba unjengabantu abaninzi ofuna ukuphuhlisa umthwalo wetyala, kodwa afuna ukuchitha inkokhelo yakho nge-bankruptcy. Ukuhlanganiswa kwamatyala kunokugqithisa ingqondo yakho njengesisombululo. Ingaba kunjalo na?

Yintoni Ukuhlanganiswa Kwamatyala?

Ukuhlanganiswa kwamatyala kudibanisa onke amatyala akho ahlukeneyo phantsi kwetyala le-umbrella.

Abantu ngokuqhelekileyo bakwenza oku nge mboleko mboleko yemali-mboleko, mboleko enenjongo ethile yokusetyenziswa ukuhlawula amatyala akho.

• Iintlobo zeeNgxowa-mali zokuQinisa amatyala
• Indlela yokukhetha iNgxowa-mali yokuXhobisa amatyala

Akuzona zonke iindlela zokudibanisa amatyala kubandakanya ukufumana mboleko ekhethekileyo. Ukuba unekhadi lekhredithi elinomlinganiselo ophezulu wekhredithi, ungasebenzisa ukutshintshwa kwemali yokubeka zonke iimali zakho kwikhadi lekredithi elilodwa. Ezinye iindlela eziqhelekileyo zokudibanisa amatyala zibandakanya ukudibanisa ityala lekhadi lesikweledu ngemali yakho yokubolekwa kwemali, ukuthabatha imali yesibini yokubolekwa kwemali okanye yemali mboleko yemali, okanye usebenzise umboleko wesikolo. Kungakhathaliseki ukuba yeyiphi indlela oyisebenzisayo, injongo yokuhlanganiswa kwetyala kukudibanisa onke amatyala akho kwi-mboleko enye.

• Iindlela ezi-5 zokuQinisekisa amatyala akho

Iingenelo zokuQiniswa kweMatyala

• Iintlawulo zenyanga zenyanga . Ngokusasaza iintlawulo zakho ngexesha elide, ukuhlanganiswa kwetyala ngokuqhelekileyo kubangela ukuhlawulwa kweenyanga eziphantsi. Iintlawulo ezisezantsi zinceda ukwenza uhlahlo lwabiwo-mali olunzulu.

• Inzala ephantsi . Ukuhlanganiswa kwetyala, kufuneka ujonge umboleko wezinga eliphantsi okanye ikhadi lekhredithi. Inzala engaphantsi ichaza indleko ephantsi kwetyala jikelele.
• Ukulula ukulawula ityala . Emva kokuhlanganiswa kwetyala, unetyala elilodwa kuphela lokulawula ngaphandle kweendlela ezahlukeneyo. Awunakukhathazeka malunga nezitatimende zentlawulo ehlukeneyo, iimali zokuhlawula kunye nemini efanelekileyo. Ukulawula ityala elinye liya kukhulula ezinye zexinzelelo zetyala.

Iingxaki zokuQiniswa kweMatyala

• Ikhaya lakho lisengozini . Xa ukhusele ityala lakho ngemali mboleko okanye i-home equity loan, unobungozi obuncitshiswayo xa uwela emva kweentlawulo zakho.
• Iindleko eziphezulu zetyala . Nangona ukwandisa ityala lakho ixesha elide kunokunciphisa iintlawulo zakho, kwandisa neendleko ozihlawula ityala.
• Unokufuna umnxibelelwano . Ukuba umlinganiselo wakho wekhredithi sele ulungiswe ngokuhlawulwa kwetyala lokugqibela, unganakho ngaphandle komntu ozimisele ukutyikitya mboleko kuwe.

Ngaba ukuTyala iMali kuPhendula?

Ukusebenzisa ukuhlanganiswa kwetyala kuyindlela enokuyenza ukuba ungayenza ngexabiso eliphantsi, ngaphandle kokufaka ingozi kwimpahla yakho okanye impahla yabanye.

Ukuqwalasela ngokugqithiseleyo inzuzo kunye nokungahleleki kokuhlanganiswa kwetyala kukubeka kwindawo efanelekileyo yokugqiba ukuba ngaba udibanisa amatyala akho. Qaphela ukuba nangona ukuhlanganiswa kwetyala kunokukwenza kube lula ukuhlawula ityala lakho, aliyikuyicombulula ngokwenene ingxaki yakho.

Abantu abaninzi abanetyala bayazixhalabisa, bahlala ngaphandle kwemali kwiimeko eziphuthumayo, kwaye baxhaswa ngetyala lokuxhasa imali ababenako ukuyisebenzisa. Ukuhlanganiswa kwamatyala kubandakanya nje kuphela iziphumo zeengxaki. Akuyikuyicombulula. Kufuneka ulungise imimiselo eyakhokelela ekutyala kwiindawo zokuqala.

Ngaphandle koko, unokukwazi ukuzifumana lula kwiimeko ezifanayo.

Emva kokuhlanganiswa, qi