Indlela yokuKhuselwa kweMisebenzi
Xa uthengela impahla ebiza, njengendlu, ungenayo imali eyaneleyo yokuhlawula yonke intengo yokuthenga ngaphambili.
Nangona kunjalo, unokuhlawula inxalenye yerhafu ngokuhlawula imali , kwaye uboleka yonke imali (ukuba ibuyiselwe kwiminyaka ezayo).
Izindlu zinokubhatala amawaka amawaka eedola, kwaye abaninzi abantu abazukuphi na indawo kufuphi naloo nyaka. Kutheni ababolekisi bekulungele ukunikela ngemali mboleko enkulu kangaka? Njengengxenye yesivumelwano semali-mboleko, uyavuma ukuba ipropathi oyithengayo iya kuba yintengo yokubolekisa ngemali mboleko : ukuba uyeka ukwenza iintlawulo, umboleki-mali angayithatha ipropati ukuze ahlawule imali abakubolekisileyo.
Ukukhusela eli lungelo, umnini-mboleko unesixhumaniso kwipropati yakho , kwaye ukuphucula amathuba abo okufumana imali eyaneleyo , (ngokuqhelekileyo) ukuboleka kuphela ukuba unemali- mboleko enhle ukuxabisa ubungakanani .
Iziphumo zeNgcaciso
Ingxaki ebalulekileyo ngokuhamba ngokucacileyo kukuba, inyaniso, ukuba uya kunyanzelwa ngaphandle kwekhaya lakho. Uya kufuneka ufumane enye indawo yokuhlala, kwaye inkqubo inxinzelelo (phakathi kwezinye izinto) wena kunye nosapho lwakho.
Ukuchithwa kwemali kungabiza kubiza. Xa uyeka ukwenza iintlawulo, umnini-mboleko wakho uya kuhlawulisa izigwebo kunye nemirhumo yomthetho, kwaye unakho ukuhlawula iimali zomthetho ngaphandle kwepokothini ukulwa nokucima. Naliphina iirhafu ezongeziweyo kwi-akhawunti yakho ziyakwandisa ityala lakho kumboleki, kwaye usenokuba netyala emva kokuba ikhaya lakho lithathwe kwaye lithengiswa ukuba imali yokuthengisa ayaneleyo (eyaziwa njengokwaneleyo).
Ukugqithisa kuya kubangela ubuhlungu bakho amanqaku esikweletu . Iingxelo zeentengo zemboleko ziza kubonisa ukuchithwa kwemali, apho amanqaku amagosa okuthenga ngetyala aya kubona njengombonakaliso ombi. Uza kunzima ukuboleka ukuthenga elinye ikhaya iminyaka emininzi (nangona unako ukufumana iimali-mboleko zikaRhulumente kwiminyaka emibini ukuya kweyimibili), kwaye uya kuba nobunzima obuninzi bokufumana iimali-mboleko ezithengiweyo. Amanqaku akho ekhredithi anokuchaphazela nezinye iinkalo zobomi bakho, ezifana (kwiimeko ezincinci) ukukwazi ukufumana umsebenzi okanye i- inshurensi yakho .
Indlela Yokugwema Ukuqheliswa
Ukuchithwa kwexesha lokugqibela kuyisithuba sokugqibela sabathengi abaye banikezela ithemba lokuhlawulwa. Inkqubo ichitha ixesha kwaye iyabiza kubo (kodwa ingazama ukuhlawula loo ntlawulo), kwaye ayikho into emnandi kubabolekayo. Ngoko ungakuphepha njani?
- Unxibelelwano: kukusoloko kuluvo olufanelekileyo ukuthetha nomthengisi wakho ukuba unenkinga yemali. Yiba nomnxeba ngaphambi kokuba uqale iintlawulo ezingekhoyo kwaye ucele ukuba kukho into enokuyenza. Ukuba uqala ukulahleka iintlawulo, musa ukungahoyi uxhulumaniso oluvela kumbolekisi wakho - uzakufumana izaziso ezibalulekileyo ezikuxelela apho usele nkqubo kwaye yiziphi amalungelo kunye nezikhetho onayo. Thetha nommeli wendawo yangaphandle okanye umcebisi wezindlu ze-HUD ukuqonda ukuba kwenzekani.
- Hlola ezinye iindlela zokugcina ikhaya lakho: ukuba uyazi ukuba awuyi kukwazi ukwenza iintlawulo zakho, fumana ukuba ziphi iikhompyutheni ezifumanekayo kuwe-nangona ucinga ukuba sekwephuzile. Unokufumana uncedo ngokusebenzisa iinkqubo zikaRhulumente ezijoliswe kubalima abanzima . Umboleki wakho unokunika uhlobo oluthile lokuguqulwa kwemboleko, okuya kwenza ukuba imali yakho ihlawulwe . Unokuba usenokukwazi ukwenza isicwangciso esilula kunye nekhredithi yakho ukuba ufuna nje ukukhutshwa kwenyanga okanye ezimbini (ukuba ungaphakathi kwemisebenzi, okanye ngeendleko zonyango, ngokumzekelo).
- Ezinye iindlela zokushiya ikhaya lakho: ukuchithwa yindlela enokude, engahambelaniyo, eyimali eyonakalisa i-credit yakho. Ukuba ulungele ukuqhubela phambili (kwaye ufuna ukuba ubuncinci uzame ukunciphisa umonakalo), khangela ukuba umnini-mboleko wakho uya kuvuma ukuthengiswa okufutshane . Oku kukuvumela ukuba uthengise indlu kwaye usebenzise intlawulo ukuhlawula umboleki wakho-nangona ukuba imali leyo ayihlawulwanga ngokupheleleyo. Ikhredithi yakho iya kuhlala ihlupheka, kodwa ingabi kubi njengoko yayingayi emva kokuvalwa. Ukuba oko akusebenzi, omnye ukhetho olungathandekiyo ngumsebenzi endaweni yokuchithwa .
- Ukuphazamiseka: ukufakwa kwefowuni kunokuthi okanye akunakunceda ukuba ujongene nokuchithwa. Imiba enzima, ngoko uthetha nommeli wendawo ukuba uthole ulwazi oluchanekileyo oluxhomekeke kwimeko yakho kunye nokuhlala kwakho.
- Iziqhelo: ngenxa yokuba unesimo esixinzelelekileyo, usujoliswe kubaculi bokudibanisa. Qaphela nayiphi na isibonelelo esingabongoliyo ukukunceda ukuba ugweme ukuvalwa, kwaye ukhethe ngokuchanekileyo onokukunceda. Qala ukufuna uncedo oluvela kwi-HUD ii-arhente zokucebisa kunye nezinye i-arhente zasekhaya ezihloniphekileyo. Yazi iimpawu zokusasazeka kokusasazeka.
Inkqubo yokuQala
Ukuqhankqalaza ngokuqhelekileyo kuyinkqubo ephantsi. Ukuba ulahlekelwa yintlawulo enye okanye ezimbini, mhlawumbi ungajongani nokukhishwa. Yingakho kubalulekile ukunxibelelana nomboleki wakho xa uwile kwixesha elinzima - kungenakukukhawuleza. Iinkcukacha ziyahluka ukusuka kumboleki kumbolekisi kunye nemithetho eyahlukileyo kwilizwe ngalinye, ngoko inkcazo engezantsi yinkcazo ekhohlakeleyo kwaye mhlawumbi ayiyi kuba yinto oya kuba nayo - funda zonke izaziso zakho nezivumelwano ngokuthe ngcembe uze uthethe kunye negqwetha okanye indlu ye-HUD umcebisi ukuqinisekisa ukuba uyazi oko kwenzekayo . Inkqubo yonke inokuthatha unyaka okanye amabini, okanye ingahamba ngokukhawuleza.
- Izaziso ziqala: emva kokuba ulahlekelwe iintlawulo zenyanga ezintathu, abaninzi ababolekayo bajonga ukuba imali yakho mboleko ayiyiyo . Yilapho izinto ziba ngundoqo. Ngokuqinisekileyo uza kufumana unxibelelwano ngokukhawuleza ukuba ulahlekelwe intlawulo (okanye ezimbini), kwaye ezo nxibeko zingabandakanya isaziso senjongo yokuqhubela phambili kunye nenkqubo yokuqhawula.
- IiNkundla zobuLungiswa kunye nokungabikho komthetho : d ujikeleza malunga nokuba unjani kwilizwe, uza kuba nexesha elingaphezulu (kwaye ufumane izaziso ezingaphezulu) kunabanye. Kukho iintlobo ezimbini zelizwe-izigwebo kunye namazwe angabandakanyeki. Kwilizwe lezomthetho, umnini-mboleko wakho kufuneka athathe amanyathelo omthetho kuwe ezinkundleni ukuze angene. Le nkqubo ithatha ixesha elide, njengoko uhlala unemihla engama-30 ukuya kwe-90 phakathi kwesiganeko ngasinye. Ngamazwe angabandakanyekanga, ababolekisi bangaphinda baxhomekeke kwiimvumelwano osayine kunye nabo, kwaye ijaji ayibandakanyi. Njengoko unokucinga, izinto zihamba ngokukhawuleza kwiindawo ezingabandakanyekanga. Naluphi na uhlobo lombuso, unokulwa nokucandwa kwenkundla enkundleni - kwimeko yesigqeba uza kuhanjiswa ngokusesikweni, kodwa kwiimeko ezingekho phantsi kobuhlanga uya kufuneka uzenze amanyathelo omthetho kumntu-mboleko wakho ukuyeka inkqubo yokuqhawula. Thetha nommeli wengingqi ukuze uthole iinkcukacha ezingaphezulu.
- Ukuyeka inkqubo: kwiindawo ezininzi, ababolekisi bafuneka ukuba banikele abantu ababolekayo uhlobo oluthile lokunceda ukuyeka inkqubo yokuqhawula. Kungakhathaliseki ukuba kunjalo okanye akunjalo ezo zikhetho ziyenzeka okanye zinokwenzeka nenye into. Ababolekisi banokuthi unokubuyisela kwaye uhlale ekhaya xa wenza yonke into (okanye inxalenye enkulu) yeentlawulo zakho ezingekhoyo kwaye uhlawule iirhafu zomthetho kunye nezohlwayo ezihlawulwe ngoku. Unokufumana ithuba lokuhlawula imali leyo (oko kuza kwenzeka kuphela xa ulawula ukulungiswa okanye ukufumana umthombo omkhulu wemali).
- Iintengiso kunye nokukhutshwa: ukuba awukwazi ukukhusela ukuchithwa kwempahla, loo propati inikwe i-bidder ephezulu kwiintengiso. Ukuba akukho mntu uthenge ikhaya (eliqhelekileyo), ubunini buya kumboleki. Ngelo xesha, ukuba usesekhaya (kwaye awuzange wenze amalungiselelo okukhusela indlu ), ujongene nokukhutshwa kunye nexesha lokumisa indawo yokuhlala entsha. Imithetho yasemakhaya icacisa ukuba ungahlala ixesha elingakanani endlwini emva kokungcima, kwaye kufuneka ufumane isaziso ekukwazisa ukuba ungahlala ixesha elingakanani. Cela umthengisi wakho wangaphambili malunga naliphi "imali yezinto ezinokwakheka", ezinokukunceda ukuguqula utshintsho kwizindlu ezintsha (ucinga ukuba ulungele ukuhamba ngokukhawuleza).