Ngaba Ingoku Ixesha Lokuhlaziya?
Xa kuhlaziywa kweNkcazo kuyenza ininzi
Ukuhlaziywa kwezinto ngokuqhelekileyo kuluvo olungileyo xa liza kukusindisa imali, okanye xa liza kuphucula imeko yakho (nokuba ibiza imali). Imizekelo embalwa yezizathu ezifanelekileyo zokuhlaziywa zezi:
- Fumana inzala engaphantsi okanye ixesha elifutshane lokubuyiselwa kwemali emva kokuba amaxabiso ahla
- Ukuphelisa imali yesibini yokuboleka imali enomyinge ophezulu
- Ukulungelelanisa imali engcono emva kokuba i-credit yakho iphuculwe
- Faka isicelo ngenzuzo ephakamileyo (mhlawumbi ngenxa yokuba umvuzo wakho ukonge okanye unokongeza umvuzo womlingane kwingeniso yakho yomzi) kwaye ufumane imigaqo engcono
Kuyo yonke imimiselo engentla, kubalulekile ukuqinisekisa ukuba ngokwenene uya kuphucula izinto. Ukufumana inkokhelo engaphantsi kwenyanga ayikulondolozi nayiphi na imali. Iphucula imeko yakho yokuhamba kwemali, kodwa inokubangela ukuba iindleko zentengo ephezulu ngaphezu kwexesha lokuphila kwakho.
Ukufumana iinkcukacha ezingakumbi malunga nokuba ungayigcina imali okanye ungayigcina imali, jonga ukuba kufuneka ndihlaziye ?
Ukuhlaziywa Ngaphambi Kwenu ...
Ukuba ukuhlengahlengiswa kubalulekile kuwe, qiniseka ukuba uhlaziywe ukulungiswa kwakho ngaphambi kokufaka isicelo seminye imiboleko. Ikhredithi yakho ihlawulwa ngokukhawuleza rhoqo xa ufaka isicelo sembolekiso (oku kubizwa ngokuba ngumbuzo ), kwaye ufuna ukuba i-credit yakho ibe yinto enokwenzeka xa uhlaziywa.
Emva kokuhlaziywa kwakho kugqityiwe, qhubela phambili uthenge loo moto okanye ufake isicelo sekhadi lesikweletu. Akunakwenzeka ukuba ukulungiswa kuya kubachaphazela kakubi ezo mboleko (emva koko, sele ubolekwe ngemali-mboleko nje - uyifake nje into entsha). Okunye okungaxhomekeke kule nto inokuba yinto ukuba iintlawulo zakho zenyanga ziyakwandiswa emva kokuba uhlaziywe.
Ukuba, umzekelo, ufuna ukutshintsha ukusuka kwiminyaka engama-30 yemali mboleko ukuya kwi-mortgage ngonyaka we-15, inkokhelo yakho yenyanga ingakhuphuka (kodwa uya kuchitha imali encinci). Ngokuxhomekeke kwinqanaba lakho kwiimali zokufumana imali , le ntlawulo ephezulu ingenza kube nzima ukufumana iimboleko emva kokuba uhlaziywe. Ngakolunye uhlangothi, ukuba ufumana mboleko mboleko ngaphambi kokuba uhlaziywe, unganakho ukulungiswa. Khetha okubaluleke kakhulu kwaye ufumane loo mboleko inakekelwa kuqala.
Kwakhona ingcinga efanelekileyo yokucoca ngaphambi kokuba utshintshe imisebenzi . Ababoleki bathanda ukubona ukuzinza kunye nomthombo ongenamkeleko we ngeniso. Ukude usebenze emsebenzini wakho, ngcono. Oku akuthethi ukuba awukwazi ukuhlaziywa emva kokuthatha inyathelo eliphezulu (okanye kwinqanaba elingaphantsi, kuxhomekeka ngetyala lakho kunye nezinye izinto), kodwa kukulungele ukufaka isicelo sembolekiso xa unomqeshi ofanayo ngexesha. Ukongezelela, kunzima kakhulu ukufumana mboleko xa usebenza; ukuba uhamba phantsi kuloo ndlela, ngokuqinisekileyo kufuneka uzame ukuhlaziya ngaphambi kokuba ushiye umsebenzi wakho wosuku.
Isikhathi kunye noQoqosho
Ukuxhaswa kwemali kukhangeleka kakhulu xa amazinga enzala awela. Ixabiso elincinci lithetha iindleko zenzalo ephantsi kunye neentlawulo eziphantsi (ngaphandle kokuba ukwandisa mboleko yakho ngokufumana umboleko omtsha wama-30, umzekelo, oya kubangela iindleko eziphezulu zamanqaku).
Ngamanye amaxesha unako ukufumana imali mboleko efutshane emfutshane ngaphandle kokutshintshwa kwintlawulo yakho yenyanga.
Kodwa nini ixesha elifanelekileyo lokutsala i-trigger? Ngaba ufanele uyenze ngoku, okanye ulinde amaxabiso ukuba ahambe phantsi? Akunakwenzeka ukuba ukwazi impendulo, kwaye ukuzama ukuthatha izinto ezintle kunobungozi. Ngokuqhelekileyo, kufuneka uhlaziye xa usenza isigqibo sokuba kunengqondo ukwenza njalo. Awudingi ukuphula intamo yakho uzama ukuvala umnxeba ngokukhawuleza, kodwa akufanele uqhube iinyawo zakho.
Amaxabiso aya kuhlala ehla nenyuka. Bangahle bayeke emva kokuba uhlaziye, kwaye loo nto ibuhlungu. Kodwa izinto zihlala zihamba ngenye indlela. Lawula oko unokulawula; ukuhlaziywa xa ubona ithuba lokuphucula imeko yakho, kwaye ungaxhoxiswa ekufumaneni ixesha elifanelekileyo-akunakwenzeka ukubona phezulu okanye ngaphantsi kwamazinga enzala de emva koko.
Ngamanye amaxesha uya kuba nethamsanqa kwaye ngamanye amaxesha awunako, kodwa izinto ziya kuba zilungele ixesha elide.
Xa kungengasetyenziselwa kwakhona
Kuphi na umbi omubi ukuhlaziya? Kukho iimeko ezininzi ongayifumana kuloo nto yenza ukuba kuncinci ukufumana imali mboleko entsha.
Ukuhlaziywa kwemali kwenza ingqiqo enkulu ukuba uya kugcina umboleko ngexeshana. Kufuneka uhlawule iindleko zokuvala xa uhlaziywa; nangona ungabhalwanga isheke, banokufakwa kwi-balance balance. Le mali ichithekile xa ususa umhlala-mboleko emva nje kokuhlaziya (ngokuhlaziya kwakhona, okanye ngokuthengisa ikhaya lakho nokuhlawula umboleko, umzekelo). Uhlalutyo oluphambeneyo luyakunceda uqonde ukuba ufuna ixesha elingakanani ukugcina umboleko.
Izahlwayo zokuhlawulwa kwangaphambili ziyakucima kwakhona iinzuzo zokuhlaziya. Fumana ukuba uya kufuneka uhlawule isigwebo, kwaye usebenze amanye amanani ukuba ubone ukuba kusengqiqweni. Izigwebo zokuhlawulwa kwangaphambili aziqhelekanga kunokuba zihlala zikhona, kodwa zisekho kwiimali-mboleko.
Ngoku ukuba uvakalelwa ngcono ngexesha, funda indlela yokucoca ngayo .