Kuthetha ukuthini ukuhlanganiswa? Ingaba isebenza kanjani
Xa udibanisa, awuhlawulisi nayiphi na ityala. Kunoko, utshintshe ityala lakho kumboleko ohlukile. Uza kufuneka uhlawule ngokubanzi njengoko wenzayo ngaphambi kokuhlanganiswa, kodwa unokufumana iintlawulo ezithile ekuhlanganiseni ezo mboleko kunye nokuzihambisa kwenye indawo.
Umzekelo: cinga ukuba uboleka ngamakhadi amabini esikweleti. Ikhadi ngalinye lihlawula i-18% ye-APR, kwaye unetyala le-1,500 kwikhadi ngalinye. Ukuhlanganiswa kwetyala, unokufumana imali engama-3 000 ebolekileyo ukuhlawula loo makhadi (ngokuqinisekileyo, umboleko wakho omtsha uza kuba nenani lemali elincinane kakhulu).
Kutheni uQinisekisa?
Ukutshintsha imali ngokusingqongileyo akufezekanga nantoni na. Kodwa kukho iindlela zokudibanisa amatyala kwaye uphume phambili.
Gcina imali: isizathu esilungileyo sokuhlanganisa iimali-mboleko kukugcina imali, kwaye indlela elula yokwenza oko ukuboleka ngenani lemali elincinane . Amakhadi-mboleko, umzekelo, ahlala ehlawula ixabiso lentengo ephezulu, okwenza kube nzima ukuhlawula ityala lakho. Ukuba udibanisa kwimali-mboleko yemali ephantsi, uya kulondoloza kwiindleko zenzalo. Oku kuthetha ngaphezulu kweyonke idola oyibeke kwi-matyala akho kuya kuhlalutya ukunciphisa ibhalansi yakho yemali mboleko (kwaye ngaphantsi kwayo iya kuphazamiseka kwiindleko zenzalo). Ekugqibeleni, oku kufuneka kukuncedise ukuhlawula amatyala ngokukhawuleza.
Yenza lula: ukudibanisa iimali-mboleko ezininzi kwiintlawulo enye kunokukwenza kube lula ukuhlala ngaphezulu kweentlawulo zakho. Awuyi kusindisa nayiphi imali ngokutshintshwa kwintlawulo enye, kodwa ukuba kukunceda ukhuphe iintlawulo ezingekho phantsi kunye neemali ezidlulileyo, hamba. Enyanisweni, inkokhelo yakho yenyanga nganye efunekayo ingaba phezulu emva kokuba udibanise - kwaye yinto enhle.
Intlawulo enkulu (idibene neentlawulo ezenzalo ezincinane ngenyanga) kuthetha ukuba uza kuhlawula amatyala akho ngokukhawuleza. Awuyi kufumana nantoni na ukuba wenza nje iintlawulo ezincinci kwiikhadi lakho lekredithi .
Ingaba Iinjongo Ezilungileyo Ukuhlanganiswa Kwetyala?
Ukuba unako ukugcina imali kwaye ukhuphe ukudala iingxaki ezongezelelweyo, ukuqokelela ityala kukucinga okukhulu. Isibalulekileyo kukufumana imboleko eyancipha ngokwenene iindleko zomdla wakho. Qalisa amanani ukuqinisekisa ukuba uya kuphuma phambili, kwaye ungayihoyi nayiphi na imali.
- Ngenxa yokubolekwa kwemali mboleko, zama i-calculator yokwenza imali yemali-mboleko
- Bona indlela yokufumana iindleko zomdla kumakhadi-mboleko
Ukuhlanganiswa, njengazo zonke izinto ebomini, kuza kunye neengxaki. Jonga ngemiphumo engalindelekanga.
Iindleko zokwandisa: ukuba ukuhlanganiswa kwenza ukuba uthathe ixesha elide ukuhlawula ityala lakho (ngenxa yokuba ufuna ukugcina iintlawulo zenyanga zantsi, umzekelo), unokugqiba ukuhlawula ngaphezulu inzala kwimpilo yakho mboleko. Kunzima ukungahambi kakuhle ngelixesha lemali - mboleko leminyaka engama-3 okanye ngaphantsi-mhlawumbi ngokukhawuleza kunokuba uhlawula amakhadi enkredithi ukuba unamathela kumncinci.
Ubungozi obungozi: ukuba ufumana mboleko eqinisekisiwe ngokubambisa, ubeka umngcipheko wokulahlekelwa loo propati ukuba awukwazi ukuhlawula umboleko njengoko kuvunyelwene ngawo. Ngokomzekelo, ukuba usebenzisa i- mortgage yesibini okanye i-HELOC , umnini-mboleko wakho unokuthatha indlu yakho kwi-foreclosure xa uyeka ukuhlawula.
Ngokufanayo, imoto yakho inokubuyiselwa kwakhona xa uthembisa ukuba uyinqaba. Ngokukodwa xa sele usebenzisa i-mboleko engakhuselekanga (njengekhadi lesikweletu okanye umboleko wakho), kuyingozi ukubeka indlu okanye imoto yakho kumgca.
Ukulahlekelwa kwemali mboleko yomfundi: Iimboleko zemfundo ezivela kwiinkqubo zikaRhulumente zinemisebenzi ethile enokukunceda xa amaxesha enzima. Ngokomzekelo, unokuthi uhlawule iintlawulo ngexesha lokungasebenzi okanye ube neendleko zenzalo . Nangona kunjalo, ukuba udibanisa nomboleki-bucala, ezo mpawu ziyahamba kwaye awukwazi ukuzibuyisela.
Ukuxolisa phantsi: emva kokuba udibanise, unokuziva ngathi uhlawule ityala (kuba izitatimende zekhadi lakho lekredithi liza kubonisa ukulinganisela okungenani). Kwakhona, ususa kuphela ityala lakho, kodwa loo makhadi aza kukulinga. Ukuba "uzalisekisa" loo makhadi, uya kubakhokhelwa kabini kunokuba uhlawulwa ngoku-ke kubalulekile ukuba ungabuyeli kula makhadi emva kokuhlanganiswa.
Ukuhlanganiswa kunye neTyala lakho
Ukuhlanganiswa kwetyala akufanele kube nefuthe elikhulu kwikhredithi yakho. Nangona kunjalo, kunokukhokelela ekuhambeni kwezinye izikolo zakho zemali.
Xa ufaka isicelo sembolekiso, umboleki wakho uya kukhangela i-credit yakho, okubangela ukuba " uphenyo " lubethe iingxelo zakho zemali. Le mibuzo inganciphisa amanqaku akho ekhredithi, kodwa unganciphisa umonakalo ngokuhambisa zonke izicelo zakho ngexesha elifanayo (okanye malunga neentsuku ezingama-30).
Ngokuhamba kwexesha, kunethuba lokuba uya kubona ukuba izikolo zakho zesikweletu ziphucula - ucinga ukuba awuyi kuphinda uhlawule ityala kwakhona. Uya kutshintshwa (mhlawumbi uxoxelwe ngaphandle) kwetyala lekhadi lesikwereti eliguqukayo kwi-matyala yentlawulo, kunye neentlawulo eziqhelekileyo kuloo mboleko zingenza ngcono i-credit yakho.
UkuThuthukiswa kweMatyala
Ukudibanisa amatyala, kuya kufuneka ufake isicelo somboleko omtsha kwaye usebenzise imali yale mboleko mboleko ukuhlawula amatyala akhoyo. Yithengisa phakathi kwabathengi abahlukeneyo, kunye neentlobo ezahlukeneyo zababoleki, kuquka:
- Amabhanki (amabhanki amancinane asekuhlaleni akho)
- Izinyunyana zemali-mboleko (funda indlela ama-credit unions asebenza ngayo )
- Ababoleki bebhanki be- intanethi
- Oontanga ukujonga ababoleki
Ukudibanisa kunye nekhredithi enhle: ukuba unetyala elihle, unako ukhetho oluninzi lokudibanisa. Nabani na ababolekisi ngasentla baya kunika imali mboleko. Khangela iimali-mboleko ezindala-akufuneki ukuzingela "ukuboleka kwetyala". Ngokuqinisekileyo uthengise ngeenxa zonke, kuba abanye ababolekisi baya kuba bhetele kunabanye.
Ukudibanisa kunye nekhredithi engalunganga: ukuba unayo i-credit-less-perfect-credit, uya kuba neenketho ezimbalwa, kwaye kufuneka uqaphele. Kunzima ukufumana imvume, kunye nehlabathi lokuhlanganiswa kwetyala liyaziwayo ngokuba lihlazo. Qala ngeentlobo zabathengi abadweliswe ngasentla. Abanye baya kufuna ukuba ubophe ubambiswano okanye sebenzisa umququzeleli , kwaye uya kufuneka uhlolisise ubuchule kunye neengxaki zalezo zicwangciso. Ungaphinde ugijime kwiinkampani ezithengisa iinkqubo zokudibanisa amatyala. Oko bazinikela ngokwenene yindlela yolawulo lwetyala okanye ukululekwa ngamatyala-oko akusoloko kuyinto embi. Jonga ngokukhawuleza oko bathembisayo, khangela ukuba unako ukwenza oko, kwaye ugweme ukuhlawula iindleko zemali ukuba awuzukufumana ixabiso lemali yakho.