Yintoni Ukuhlanganiswa?
Kwimali, ukuhlanganiswa kwenzeka xa umntu ehlawula imali emininzi yemali mboleko kunye nenkokhelo enkulu. Ngokuqinisekileyo udibanisa zonke iintlawulo zakho kwinkokhelo enkulu. Ngokuqhelekileyo umboleko ophezulu unomyinge onomtsalane ongaphantsi kuneemali-mboleko ezincinci. Ukongezelela, ixesha elimali mboleko lidla ixesha elide eliza kunciphisa umthamo umthengi kufuneka ahlawule inyanga nganye.
Iinkampani ezininzi ziya kufikelela kunye nokunikezela ngamathuba okuhlanganiswa njengendlela yokulungisa ngokukhawuleza ingxaki yakho yesikweletu. Nangona imali-mboleko yokudibanisa ingenza kube lula ukulawula ityala lakho kuba unentlawulo enye ukukhathazeka malunga nayo, ayiyikujongana nemibandela eyayikudala kwiityala kwindawo yokuqala. Nangona kunjalo, ukuhlanganiswa kwetyala kunokukwazi ukunceda uqale ukulawula ityala lakho kwaye wenze utshintsho kwimifanekiso yakho yemali. Kukho iintlobo ezininzi zeentengo zemali ezihlanganisiweyo ezikhoyo. Kubalulekile ukuba ukhethe imali ebolekileyo yokudibanisa imeko yakho.
01 Ukuhlanganiswa Kwemali Yomfundi
Ukuba unomdla kumbolekiso wokuhlanganiswa kwabafundi, qha ga mshelana nomniki-mboleko wakho okhoyo okanye iProgramu yeNgxowa-mboleko ye-Direct Direct. Bangakunceda udibanise iimboleko kwaye uvale kwisilinganiselo esisetyenzisiweyo. Ukuba unomdla wokuhlawula iiprogram zokuxolela, ukuhlanganiswa kufuneka kwenziwe kwenkqubo ye-Federal Direct yokuqhubeka nokufumana izibonelelo zokubuyiselwa.
Imali-mboleko engaxhaswanga
Olunye uhlobo lokubolekwa kwemali mboleko ngumboleko ongaqinisekwanga onikezelwa yibhanki okanye umanyano weentengo zemboleko. Ezi ziyakuthiwa ngokuba ngumtyikityo-mboleko. Ngokuqhelekileyo, inani lesenzalo kulo mboleko liphantsi kunexabiso lekhadi lesikratshi, kodwa liphezulu kunomtsalane. Kule meko, uthabatha umboleko ngexesha elimiselweyo, kwaye unokuhlawula amakhadi akho ekwereta. Oku kunokunikela ngesantya somyinge esezantsi, kodwa inani lesenzalo alisayilo likhulu.
Ukongezelela, awuyikujongana nengxaki yangempela emva kweengxaki zakho zokuchitha kunye noko kukubangela ukuba uqokelele ityala kwindawo yokuqala. Abantu abaninzi bafumana i- matyala kwikhadi lesikweletu emva kokuba bathathe imali-mboleko yokudibanisa, kunye nabo bafumana imali ngemali mboleko. Ukuba ukhetha olu khetho, kufuneka uyeke ukusebenzisa amakhadi akho ekhredithi ngokupheleleyo.
Ukuba unomdla kulolu hlobo lwemali mboleko, ungafumana izibonelelo ngeposi. Nangona kunjalo, kufuneka ndizithenge ngeenxa zonke ukuze ndibone ukuba ngaba unokufumana umboleko ongcono. Faka isicelo kwibhanki yakho yendawo okanye inkontileka yekhredithi ngaphezu kokunikezelwa kwakho. Qinisekisa ukuba uthathe ixesha lokujonga i-intanethi ngezikhalazo kunye nokuhlolwa kwemboleko kunye nenkampani enikela mboleko.
03 Ukuhlanganiswa Ukusebenzisa iMali yeNgxowa-mali yeNgxowa-mali okanye iMboleko yesiBini
Udidi lwesithathu lwemali-mboleko yokuhlanganiswa ngumboleko wemali yezindlu okanye i-mortgage yesibini. Abantu baya kuboleka kwikhaya labo, kwaye basebenzise loo mali ukuhlawula amakhadi ekweretyala kunye namanye amatyala abaye bawafumana. Oku kunika ixabiso lentengo ephantsi kunayo yonke imali, kodwa ibeka ikhaya lakho engozini ukuba awukwazi ukuhlawulwa. Ukongezelela, abantu baninzi baqhubeka beqhubela amatyala, kwaye baphelisa ukuhlawulwa nangakumbi kwiminyaka embalwa nje. Kufuneka uqaphele ngokukhetha olu khetho. Unomngcipheko omkhulu kunokuba udibanisa ityala elongezelelweyo kwikhaya lakho.
Ukuba ucinga ngolu hlobo lomboleko, kufuneka uyeke ukusebenzisa amakhadi akho ekhredithi ngokupheleleyo kwiinyanga ezimbalwa ngaphambi kokuba ufumane. Thatha ixesha lokuphanda iinkampani ezahlukeneyo kunye neebhanki ngaphambi kokufaka isicelo semali mboleko yemali. Ukuhamba ngebhanki yakho yendawo okanye inkontileka yekhredithi inokubangela ixabiso elincinane kwinzala kwaye banokuba bazimisele ngakumbi ukusebenza nawe ukuba unembali yengeniso yamatyala.
04 Ngaba Ingxowa yoBumbano iya kundinceda ukuba ndiphume ematyala?
Emhlabeni umboleko wemali mboleko ubonakala njengomkhiqizo omuhle, kodwa kubalulekile ukuqwalasela izinto ezininzi ngaphambi kokufumana imali mboleko yokuhlanganiswa. Uninzi lwabantu luhlawula amakhadi abo ekwereta, kwaye ke baqhubeke nemikhwa yabo yemali. Kwiminyaka embalwa, baye baxhoma kwakhona amakhadi abo ekwereta, kwaye banako ukubolekwa kwemali mboleko ukuhlawula kwakhona. Umjikelezo onobungozi oqhubeka uqhubeka ukwanda ngakumbi njengoko uqhubeka udibanisa amatyala. Isisombululo esona sisisombululo kukujongana neengxaki zenkcitho ngokulandela uhlahlo lwabiwo-mali kwaye ukusekwa isicwangciso sokuhlawula ityala . Oku kuya kukunika iziphumo eziphambili zokuguqula imali yakho. Ukuba ukhetha ukudibanisa, qiniseka ukuthenga ngeenxa zonke kwaye ujonge iindlela zokugcina inzala yakho mboleko. Umlinganiselo wakho wezantsi unomdla, ngokukhawuleza uza kukwazi ukuhlawula umboleko.