Ezi zizathu zodwa ziwanele ukukholisa abantu abaninzi ukuba bathathe inkohlakalo. Kodwa kuthekani ngamanqaku akho ekhredithi - ngaba ukulungiswa kwakhona kwenzakalo kukuchaphazela kakubi i-credit yakho?
I-Small-Term-Term Hit
Mhlawumbi uza kubona impembelelo encinci kumanqaku akho esikweletu xa uhlaziya.
Oku kunengqiqo ukuba uqonde indlela amaqaku esikweleti asebenza ngayo : wenze isicelo semboleko, edla ngokubamba i-credit yakho kancane. Siza kungena kwiinkcukacha ezingezantsi, kodwa umbuzo obaluleke ngakumbi ukuba ngaba akunjalo .
Ukuhlaziywa kwemali kunokuphucula kakhulu imeko yakho yezemali. Ukuba kuthetha ukuba amanqaku akho ahla phantsi okwethutyana, ukuba awufanele uhlaziye? Inqaku elipheleleyo lokuba netyala elifanelekileyo kukusebenzisa inzuzo-ngokukodwa, ukukwazi ukufumana iimali-mboleko ezingcono (nangona zinokukunceda neendleko zomshuwalense, ukuqeshisa, kunye nokukhangela imisebenzi). Ngoko ukuba unaloo mbono, zimbalwa izizathu zokungazisebenzisi.
Xa Kufuneka Uphephe ukuhlaziya kwakhona
Ubuncinane iimeko ezimbini eziza engqondweni xa ungeke ufune ukuhlaziya (kuphela enye yazo inxulumene nomlinganiselo wokuthenga ngetyala). Nangona kunjalo, kuya kufuneka usebenzise isigwebo sakho - kunokubakho ezinye iimeko, kwaye iimeko ezingezantsi zingenakuba zibi kakhulu.
Uza kufaka isicelo semali-mboleko enkulu (okanye ebalulekileyo): ukuba ulungele ukucela i-mboleko ebalulekileyo (njengemali-mboleko yokuthenga ikhaya), cinga kabini ngaphambi kokuhlaziya. Awufuni ukunciphisa amanqaku akho kwirejista kuloo meko kuba unokuphelela ngenani lemali ephezulu-kwaye unokuba ungafuni.
Ngokomzekelo, akunangqiqo ukugcina amancinci amancinci ukuhlawula imali yakho (encinci) mboleko mboleko xa uthetha ukuba uza kufumana inzala ephezulu kwi-loan yakho yasekhaya (enkulu).
Lindela de emva kokuba imboleko yakho ebalulekileyo ivunyiwe ukulungiswa kwemboleko ebaluleke kakhulu. Kuyafana ukuba uya kuhlaziya iimali-mboleko ezininzi: qalisa ngenye enokukunceda kakhulu, kwaye usebenze indlela ehla ukusuka apho.
Imboleko emitsha ayiyona nto ingcono ngakumbi: esinye isizathu sokuphepha ukuhlaziywa kukuba ungagqiba kwindawo ebi ngaphezu kwakho ngaphambili. Unako ukufumana inzala engaphantsi okanye intlawulo yenyanga, kodwa yintoni i-tradeoff?
Ukuba uhlaziya umboleko omtsha, uya kufuthi ukwandisa ixesha le mboleko ; kuya kuthatha ixesha elide ukulihlawula, kwaye iintlawulo ekuqaleni komboleko ziza kuba yinzala . Oku kubaluleke ngokukodwa ngemali-mboleko yexesha elide - ukuba uneminyaka eyi-15 kuphela ekhohlo yakho, kwaye uhlaziywa kwi-mortgage iminyaka engama-30. Ngeemali-mboleko zemoto, awukwazi ukubona umphumo ofanayo - kodwa uya kwandisa iindleko zakho zomdla. Ngoxa kubonakala ngathi unalo mcimbi ongcono, unokugqiba ukuhlawula ngaphezulu xa ufuna utshintshe imali. Qalisa amanqaku ukuqinisekisa ukuba ukuhlaziya iqhosha kukuqonda.
Unokufumana kwakhona ukuba uhlaziywa ngemboleko encinane yomhlobo. Umzekelo, ukuba uhlaziywa kwiimali-mboleko zemfundo zomfundi kumboleko wesikolo sabangasese, uya kunika izibonelelo zemboleko zemali . Ngokufanayo, ukulungiswa kwemali mboleko oyisebenzisayo ukuthenga ikhaya kunokunyusa umngcipheko wakho xa ungaphumeleli ukubuyisela (ngokuyibuyisela ekuhlawuleni amatyala ).
Kwakhona, unikwe imeko yakho, unokufuna ukuhlaziya umboleko-nokuba ngaba kuya kuchaphazela i-credit yakho okanye ukwandisa umngcipheko wakho. Uya kufuneka uhlolisise umfanekiso omkhulu ukugqiba oko kukubaluleke kakhulu.