Unokuqwalasela umboleko wokuxhaswa kwetyala kukunceda uphume kwetyala . Ngokuqhelekileyo abantu baya kuthatha imali mboleko yezindlu okanye i-mortgage yesibini njengendlela yokudibanisa imali yabo. Oku kuya kuhlawula iintlawulo zetyala kwinkokhelo enye. Inokunciphisa izinga lomyinge kunye nokunciphisa inani lakho lokuhlawula ngenyanga (ngokukhulisa ixesha le mboleko). Nangona ucinga ukuba ukudibanisa iimali-mboleko zakho kunye nokwenza intlawulo ilawulwa ngakumbi yindlela elula yokuqala ukufumana uxolo kwi-matyala , kufuneka uqwalasele izinto ezininzi.
01 I-Basic Basics of Consolidation
02 Ukugcinwa kwiNzala ngokusebenzisa UkuThengiswa kweMatyala
Nangona inzala yokuqala inokuba yinto ephantsi, ngenxa yokuba ukwandisa ubude bemali mboleko (ngeentlawulo ezisezantsi), unokuphela ukuhlawula ngaphezulu inzala kunokuba ungenjalo. Ngoko ungeke usindise imali ocinga ukuba uya kuyenza ngokukhupha lolu hlobo lwemboleko. Qinisekisa ukuba ukhangele ngokukhawuleza kumanani. Ukuba unesicwangciso senkokhelo sentlawulo, kufuneka uqhubeke usebenza ekufumaneni ukuhlawula amatyala akho ngokukhawuleza.
- Zithengele iindawo ezikhethiweyo zokuboleka imali.
- Hlola ukuba ubone ukuba kukho izigwebo xa uhlawula umboleko kwangaphambili Ungagcina inzala ngokuhlawula imali ngokukhawuleza.
- Gwema ukudibanisa imboleko yemali engaphantsi kwenzelwe imali mboleko yemali ephezulu nangona ithetha ukuba unentlawulo eyongezelelweyo.
03 Qaphela ukutshintsha amatyala angaqinisekanga kwiTyala eliKhuselekileyo
Ngokuqhelekileyo umboleko wokuxhaswa kwetyala uza kuthatha ityala elingaqinisekanga kwaye litshintshe ityala elikhuselekile . Ukuba kukho into eyenzekayo kuwe kwaye awukwazanga ukwenza iintlawulo kwiimali mboleko zakho zasekhaya, kwaye ulahlekelwa ngumzi wakho. Ukuba awukwazanga ukwenza iintlawulo kwiikhadi lakho lokuthenga ngetyala, uya kuhlawula amanqaku emboleko, kodwa awukwazi ukulahlekelwa ngumzi wakho. Xa ukhetha imboleko yokudibanisa, kufuneka ukhangele umyinge wesitya kunye nomboleko ongakhuselekanga. Oku kuya kukhusela ifa lakho.
- Gwema ukuthatha i-mortgage yesibini okanye imali-mboleko yemali ukulungisa iingxaki zematyala.
- Khangela umboleko wendawo okanye udibaniso olungagcinwanga.
- Ukwakhiwa kwamanyathelo kuzakukwenza kube lula ukuthengisa ikhaya lakho ukuba unayo kwixesha elizayo.
Ukuhlanganiswa kweziTyala ezingama-04 akusoloko kusebenza
Uninzi lwabantu abathatha imali mboleko yokuhlanganiswa kwetyala baya kuqhuba i-credit card balance balance back within two to three years. Imboleko mboleko yemali ayihlanganisi inkathazo yangempela, echitha imali engaphezulu kokwenzayo. Ukuba awuyikujongana nale ngxaki, uya kugqitha ngakumbi kunokuba ngaphambili, kuba uya kuhlawulwa kabini imali eninzi. Ukuba uthetha isigqibo sokuthatha imali-mboleko, ufanele unamathele kubhajethi yakho. Iqabane eliphendulayo liza kwenza kube lula ukunamathela kubhajethi yakho ukuba kufuneka uyixele imali yakho.
- Qiniseka ukuba utshintsha indlela ophethe ngayo imali yakho.
- Cinga ukusika iikhadi lakho lokuthenga ngetyala (kodwa ungagqiba ii-akhawunti) ukuze uyeke ukusebenzisa.
- Sitshintshela imali kwizoninzi zakho zokuthenga ukukunciphisa imali yakho yonke.
- Cinga ngokutshintsha indlela ophila ngayo nemikhwa ukuze ukwazi ukutshintsha
05 Iindlela ezahlukeneyo zokuXhobisa amatyala
Unokunyamekela imeko ngokubeka uhlahlo lwabiwo-mali , kunye necebo lokuhlawula ityala . Unokuphinda usebenze kunye nababolekisi bakho ukuba babone ukuba banokuthi banciphise iintlawulo kunye neerhafu zenzalo kuwe. Kuphela ngokubhekiselele kwizizathu zokuba unetyala lokuba uya kukwazi ukuphuma kwetyala kwaye uhlale ngaphandle kwetyala. Ukuba unengxaki yokuhlala ugxininise ekuphumeni kwetyala, zama ukuvuyisa inkqubela yakho kwaye ufumane iqela lokuxhasa eliya kukunceda wenze ukhetho olufanelekileyo lwemali. Ukuba unenkathazo yokuxazulula izikwereti zakho, unokucinga ngetyala lokuxhaswa kwetyala ngoncedo olungakumbi ekufumaneni imeko yakho.
- Cinga ukukhangela ityala elicebisayo ngaphambi kokuthatha imali yokuboleka.
- I-Bankruptcy inokukhetha ukuba ukuhlanganiswa kwetyala akuhlambululi okwaneleyo ityala lakho labathengi. nangona oko kuya kuba nefuthe elibi kwi-credit yakho.
- Cinga ukuthatha iklasi okanye ukujoyina iqela lokuxhasa ukukunceda utshintshe indlela olawula ngayo imali yakho.