Ukuboleka Kuyenziwe Ngakwesokudla
Qinisekisa ukuba Yenza iNgqiqo
Isinyathelo sokuqala kukuqinisekisa ukuba ukuboleka empeleni kukukhetha okulungileyo. Ukuba uye wakuva "ityala elihle" kunye "netyala elibi" uyazi kakuhle ngolu hlobo: ityala elihle lihlawula izinto ezibonelela ngexabiso elide kwaye mhlawumbi zifumane ixabiso ngelixesha, kwaye ityala elibi lihlawula ukusetyenziswa kwangoku.
Imizekelo yamatyala amatyala afaka:
- Iqondo lekholeji, kuba abantu abane-degree bafumana ngaphezulu kwexesha labo lobomi (kwaye banamathuba amaninzi okukhetha umsebenzi)
- Ukuthengwa kwekhaya elithengekayo - ukuba zonke ziyahamba kakuhle - ekubeni inokubonelela ngeenzuzo zexesha elide kunye nokulawula indawo yakho (ungase ufike ukuyithengisa kwinzuzo ngelinye ilanga)
Imizekelo yeebatyala ezimbi zibandakanya:
- Ukuthenga imoto ebiza, kuba iya kulahlekelwa ixabiso ngokukhawuleza, kwaye uqhubeke ulahlekelwa xabiso ngexesha elide (unokuba unetyala elingaphezu kwelo lifanelekileyo )
- Ukuhlawula iindleko ezifana nekhebula, iifowuni kunye neendleko zokuzonwabisa, kuba akukho ndlela ongayenza ukuboleka ukuze uhlawule iindleko ezisisiseko - zonke ziya kuhlaselwa ngenye imini
Ngaphambi kokuba ubolekise, hlalutya ixesha elide eliza kuqhathaniswa ngayo nexesha elide liza kuthatha. Ukuba akusiyo ityalo-mali kwikamva lakho, jonga ezinye iindlela zokuxhasa imali.
Run Some Numbers
Kubalulekile ukuhlawula ixabiso elifanelekileyo nantoni na oyithengayo.
Ngokomzekelo, xa uthengela imoto, abanye abathengi bazama ukugxininisa ukugxila kwintlawulo yakho yenyanga kunokuthenga intengo-engakusebenzela kakubi .
Kodwa iintlawulo zakho zenyanga kunye nemigqaliselo yakho mboleko isabalulekile. Khangela ingeniso yakho kunye neendleko uze ubone ukuba unokukwazi ukuhlawulela ngokufanelekileyo ukuhlawula umboleko wakho omtsha.
Ukuba iintlawulo ziya kuba ngumthwalo, mhlawumbi ukhethe into engabizi ngaphantsi okanye wenze inkokhelo enkulu ukwenzela ukuba unamagumbi amaninzi xa uwela kumaxesha anzima.
Ukuze ubone ukuba ungadinga kangakanani ukuhlawula ityala lakho, sebenzisa ezinye iinombolo. Unokwenza zonke izibalo ngokwakho okanye usebenzise iikhomputha kunye nababalawuli be-intanethi ukwenza umsebenzi ube lula:
- Sebenzisa i- calculator yemali-mboleko eqingqiweyo (ikhaya eliqhelekileyo, i-auto, kunye neemali-mboleko zakho ozihlawula phantsi kwexesha)
- Jonga indlela iintlawulo zekhadi lakho lokuthenga ngetyala liza kukhangeleka xa uboleka ngekhadi lesikweletu
Ngokuqinisekileyo, unokuhlala uhlawula amatyala akho kusasa ngokwenza iintlawulo ezongezelelweyo.
Nantsi inxalenye ekhohlisayo yokusebenzisa amanani: kufuneka uqikelele ikamva. Unokufuna ukuboleka imali kwakhona ngelinye ilanga (ukuba uthengisa indlu ngoku, unokuba ufuna ukufumana imali yemali ngemali emihlanu) - kunye neentlawulo zakho zenyanga mboleko mboleko ziza kukulimaza ubuchule bakho bokuboleka kusasa. Ababoleki bafuna ukubona ityala elifanelekileyo kwingeniso , kwaye mhlawumbi unganakho ukufumana iintlawulo ezongezelelweyo. Ukuba usebenzisa i-calculator ekuxelela ukuba "uninzi kangakanani indlu onokuyithenga" (okanye efana nayo), yilondoloze kwaye ungaboleki imali epheleleyo ekhoyo.
Ngaphezu koko, awukwazi ukuqikelela ukuba wena (okanye iqabane lakho, ukuba utshatile) uya kulahlwa ngumsebenzi wakho.
Ukuboleka kwinqanaba elithi "ukhululekile" kukukhusela. Umzekelo, ungathenga izinto ezingafuneki ukuba uzibingelele ngenxa yokuba kuya kufuneka ukuba uzincama xa utshintshe imali yakho. Ukuba uthengela indlu onokukwazi ukuyifumana yakho yodwa ingeniso (okanye iqabane lakho), akuyona into eyingozi xa umntu ekhutshwa okanye ehla.
Fumana iMali-mboleko
Qhathanisa umboleko wakho kwiimfuno zakho. Kwezinye iimeko, oku kungaphezulu ngokuzenzekelayo: ukuba uthengela ikhaya mhlawumbi ufaneleke ukufumana imali yemali-mboleko (njenge-15 okanye 30 engama- mortgage ). Kodwa kulula ukufumana ukungafani. Ngokomzekelo, kuyingozi ukusebenzisa umgca wokulinganisa ikhaya lekhredithi ukuxhasa i-shishini (kodwa ingahlawula - ngubani owaziyo?). Ukuba ishishini lihluleka, baninzi, ubeka ikhaya lakho engozini yokungcima ukuba ungenayo indlela yokuhlawula umboleko wesikolo.
Kukhuselekile ukusebenzisa iimboleko ezizimele . Ukuba awunamathembisi nantoni na , akukho nto kubabolekisi abangayithatha. Ewe, ukuba ungekho phantsi kwemboleko mboleko, i-credit yakho iya kuba neengxaki kwaye ungagqiba ekupheleni kweengxaki zomthetho , kodwa awuyi kunyanzeliswa ngokukhawuleza ngaphandle kwekhaya lakho (okanye ukuba imoto yakho ibuyiselwe phakathi kobusuku ).
Imali oyihlawula rhoqo ngenyanga - eyaziwayo njengemali- mboleko ye-installment - ngokuqhelekileyo iyona ndlela enokukhetha ngayo. Imali emele ibuyiselwe nganye iveki okanye ekupheleni kwenyanga iyakwimali-mboleko ebiza kakhulu, egcinwa kubbolekayo kwiimeko ezinzima. Ezi mboleko zipapashwa ngemboleko yemali yokubhadela kunye neentengiso zokuthengiswa kwemali, kwaye ziya kuba ziimpazamo ezibiza kakhulu.
Indlela Yokufumana Imboleko Yenyanga Yenyanga
Imboleko efanelekileyo yimivuzo rhoqo ngenyanga iyanciphisa ityala lakho ngokuhamba kwesikhathi. Unokufumana phi le mboleko? Khangela amaziko amancinci (anokuthi asebenze nawe xa unetyala elibi okanye ungakhange uqiniseke ngetyala) kwaye ujonge kwi-intanethi:
- Iibhanki zendawo kunye neemanyano zematyala - amaziko aneengingqi ekujoliswe kuzo kuluntu ibhetele yakho
- Oontanga ukujonga ababolekisi abavumela abantu ukuba bahlawule imali mboleko yakho
- Abanye ababolekisi bebhanki abangekho kwi-intanethi (enokukuxhasa imali mboleko yakho kwimithombo eyahlukeneyo)
Ukuboleka Imali NgeZingeniso eziMbi
Ukuba unetyala elibi, kunzima ukufumana imvume. Nawaphi na iimali-mboleko ozifumanayo ziya kuba neerhafu eziphezulu , oko kuthetha ukuba uza kuhlawula ngokukhawuleza nayiphi na into oyithengayo. Ungayithuthukisa njani amathuba okuboleka imali ngekhredithi embi?
Yakha (okanye Yakha kwakhona) Ikhredithi yakho
Ukuba uboleka imali kwaye uhlawula ngexesha, i-credit yakho iya kuphucula. Unokuba awukwazi ukufumana imvume kwimali-mboleko oyifunayo namhlanje, kodwa emva kwexesha unokufumana i-credit yakho kwindawo engcono. Bona indlela yokuseka nokuphucula i-credit yakho , kwaye uzame imali encinci yemali-mboleko ekhuselekile ukuze uqalise izinto. Yazi i-credit yakho ngokujonga iirekhodi zakho zekredithi (mahhala) ubuncinane kanye ngonyaka, kwaye ufunde indlela amanqaku ekhredithi asebenza ngayo ukuze uqonde ukuba ngababolekisi bajonge .
Ukubambisana
ukuba unayo impahla onokuboleka kuyo, oko kusoloko kukhetha. Kodwa kufuneka uhlole ingozi-kwenzeka ntoni ukuba i-asethi yakho (ngokuqhelekileyo imoto yakho okanye indlu yakho) ithathwa ngenxa yokuba awukwazi ukwenza iintlawulo. Ngaba uya kuba neendawo zokuhlala? Ngaba uza kufikelela emsebenzini kwaye ufumane umvuzo? Ingaba intsapho yakho okanye omnye umntu uya kuhlupheka?
Uncedo lwabahlobo kunye nosapho
ukuba ngaba ngababolekisi beengcali abavumelanga ukuvuma imboleko yakho, unokuzama ukufumana uncedo kwiintsapho okanye ngabahlobo. Nangona kubonakala ngathi banemali eyongezelelweyo, kubalulekile ukwenza izinto ngokwakho ukuba kunokwenzeka. Imali yabo ingabonakaliswa kwiinjongo ezibalulekileyo ezifana nokuthatha umhlalaphantsi okanye ukunakekelwa kwezempilo, kwaye abahlobo bakho kunye nosapho abanokubekwa kwindawo yokuthatha ingozi yokuboleka imali. Ngokuqinisekileyo, unenjongo yokubuyiselwa, kodwa ubomi buphonsa ii-curveballs ngamanye amaxesha-kuthini ukuba ulinzakele okanye ubulawe engozini yemoto?
Ukuboleka imali ngokuthe ngqo kubantu obaziyo kungabonakalisa (nangona kunceda ukuba nencoko enzulu malunga nokulindela ithole yonke into ebhaliweyo ). Izinto ziyakutshintsha kwintsapho yakho. Ukuba umntu uzimisele ngokwenene kwaye uyakwazi ukuthatha ingozi yokukunceda, cinga ukuwasebenzisa njengomcebisi-mboleko wakho.
Umququzeleli usebenza ngomboleko kunye nawe, kwaye lowo mntu unembopheleleko yokubuyiselwa kwemboleko (ukuba awukwazi ukuhlawula, nokuba uphelile imali, ugqibe ukuchitha imali kwenye indawo, okanye udlulile, umququzeleli uya kwikhonkco lakho ityala). Ukuba unokufumana umntu onetyala elifanelekileyo kunye neengeniso ezaneleyo kukukunceda ukufaneleka.
Logistics
Ukufumana mboleko, kuya kufuneka usebenzise nabalimi. Ingcinga efanelekileyo yokuthenga phakathi kwabathengi abaninzi. Iindleko kunye nemigomo ziyahluka, kwaye ngokuqinisekileyo unokugcina imali ngokuthelekisa izibonelelo (ukuthelekisa abathathu ababolekisi mhlawumbi banele). Yenza yonke into yakho yokuthenga ngaphakathi kweentsuku ezingama-30 okanye ngaphantsi ukunciphisa umonakalo kwi-credit yakho-ukuba uqhubeka ufaka isicelo semali-mboleko inokubonakala ngathi unenkathazo yezemali (kwaye awukwazi ukubuyisela).
Iinkcukacha ezongezelelweyo
Indlela yokufumana iMboleko .
Emva kokuba uvunyiwe, qiniseka ukuba wenze iintlawulo zakho ngexesha. Yenza iintlawulo zekhompyutha ngokuzenzekelayo (ngaphandle kokuba unesizathu esihle sokuba ungabi) ukuze ungaphuthelwa iintlawulo.