Qalisa inkqubo yoCwangciso oluSisiseko
Kukho ulwazi oluninzi lwezemali oluya kufuneka luququzelelwe kwaye luqhutywe, kwaye inkqubo elula yokufakela ingenza oku ngaphantsi komsebenzi. Unokwenza ngokugqithiseleyo ukuwaphula onke amaphepha akho eemali kwiindidi ezilandelayo:
- Iimali ezifunekayo
- Amaxwebhu abalulekileyo ukugcina
- Izinto ukuba zilahle okanye zilahle
Inene loo nto ilula. Ingaba unayo ibhili-mali efuna ukuhlawulwa, irisidi okanye idokhumenti ekufuneka igcinwe, okanye into enokuthi ilahlwe. Kuya kuwe ukuba ufuna ukulungiselela njani le nto, kodwa ingaba yinto elula njengoko usebenzisa amafolda ahlukeneyo abhalwe ngolu hlobo lulwazi olungentla.
Emva koko, nanini na xa ufumana i-imeyile okanye ufumana enye idokethi yemali, thatha isikhashana ukuyibeka kwifolda echanekileyo. Ngaloo ndlela iindleko zakho kunye namaxwebhu abalulekileyo zilula ukufumana indawo. Ngoko unako ukuqhuba rhoqo iifolda kwaye ugcine unomphela amaxwebhu abalulekileyo kwaye uphonsa okanye uphinde uphinde ungayifuni.
Gcina iiMpawu ezibalulekileyo eziHlangeneyo
Ngoxa i-system yofakelo oluyisiseko luza kwenza umsebenzi omhle ekugcineni imali yakho yemihla ngemihla, uya kufuna ukulungiselela izinto ezibalulekileyo ofuna ukuzigcina. Ngokuqhelekileyo, ungasebenzisa iifayili encinci yeefayile kunye neefolda ngabanye ukugcina yonke into ngokulandelelana.
Imimiselo yamaphepha eemali omele uwagcine:
- Imbuyekezo yentela
- Iinshorensi
- Amaphepha e-Mortgage
- Iingxelo zentengiso kunye neengxelo zomhlalaphantsi
- Iziqinisekiso okanye iinkonzo zenkonzo
Kude kube nini ukugcina amaxwebhu akho
Ekubeni kufuneka ugcine iikopi zamaphepha athile, kufuneka ugcine ixesha elingakanani? Kwezinye iimeko, unokufuna kuphela ukugcina idokhumenti okanye ifom ixesha elifutshane, ngelixa abanye ungathanda ukubamba iminyaka.
Nazi ezinye iimpapasho zemali eziqhelekileyo kunye nobude bexesha kufuneka uqikelele ukuzigcina.
- Imbuyekezo yentela. Xa kuziwa kwiimbuyekezo zakho zentlawulo kucetyiswa ukuba uwagcine iminyaka eyisixhenxe. Ukuba i- IRS ifuna ukuphicothwa iimbuyekezo zakho eziphakathi kweminyaka emi-3 ukuya ku-6 ukuya kubuya emva komhla owafakayo. Ukugcina iminyaka eyisixhenxe yembuyekezo eyadlulayo esandleni sakho kuya kukugcina kwaye kuyenza lula ubomi bakho ukuba ufumane uphicothiweyo. Akunjalo nje kuphela kodwa ukuba uceba ukuthenga ikhaya okanye kuya kufuneka ukuba ubonise ubungqina bemali engenayo kumbolekisi kuyinto enomdla ukuba ubuncinane ubuncinane kwiminyaka embalwa yedatha kwizandla zakho.
- Amaphepha e-Mortgage. Xa uthengela ikhaya uya kuhlala phantsi kokuvala kwaye usayine igama lakho kwizinto ezibonakala ngathi zikhulu zamaphepha. Ngokuqhelekileyo, uya kufumana ifolda enkulu kunye neikopi zento oye wahamba ngayo ekuvaleni. Ezi ziza kuqukwa namaxwebhu avela kwibhankini echaza umboleko, inkcazelo evela kwenkampani yangaphandle, ukuphonononga nokuhlola ulwazi, kunye nokunye okuninzi. Ngoxa ungeke ufune ukubhekisela kulezi zinto rhoqo, kufuneka ugcine loo maxwebhu ngonaphakade. Kusenokwenzeka ukuba ubhekisele kubo kwikamva kwaye banganikela ngolwazi oluxabisekileyo xa ekugqibeleni uye ukuthengisa ikhaya.
- Iingxelo zebhanki kunye neengxelo zentengiso Ukuba kukho enye into enhle nge-intanethi kukuba unako ukutsala iikopi zekhompyutheni zebhanki yakho kunye neengxelo zeakhawunti yezobalo-mali naliphi na ixesha. Oku kuphelisa isidingo sokugcina yonke ingxelo efunyenweyo. Sekunjalo, yinto efanelekileyo yokuphonononga isitatimende ngasinye samaphepha owamkelayo kwaye ukuba ngaba ngekota, zigcine zize zifike ingxelo elandelayo. Emva kokuba ufumana ukuphela komnyaka okanye isitatimende sonyaka unokukhupha ngokukhuselekileyo zonke iingxelo zenyanga okanye ngekota. Oku kuya kunqumla ukuba ungayifaka ngaphi iipapu zephepha kwaye kukho konke unako ukufumana iikopi ezongezelelweyo kwi-intanethi okanye ngokufowunelwa ngokukhawuleza.
- Iingxowa kunye neerithi. Njengoko ufumana uncedo kunye neebhilidi zekhadi lekhredithi yinjongo efanelekileyo yokugcina le minyaka emva kokukhangela ukuqinisekisa ukuba ulwazi luchanekile. Iingcamango zenzeke kwaye ukuba unayo ikopi yesitatimenti sakho ngokufumaneka lula kunokukwenza kube lula ukuphikisana nephutha. Into efanayo iya ku fumana iirisithi. Kufuneka ugcine ixesha elide ukuthelekisa neenkcazo zakho zebhanki ukuze ukwazi ukubamba iziphoso. Oko kunjalo, ngaphandle kokuba iirisithi zithengwa ukuthengwa okunokusetyenziswa kwiinjongo zerhafu. Kule meko, ungathanda ukugcina ezo reyithi ukufikelela kwiminyaka eyisixhenxe nje ngokubuyela kwerhafu xa kwenzeka uphicotho.
Ukugcina ulwazi lwakho lukhuselekile
Ububi besazisi bokuba yingxaki enkulu kwiminyaka yamuva. Abaphangi banako ukuthabatha izibonda kunye neengcezu zembali yakho yemali kunye nemali kwaye uyisebenzise ukwenza iifayile ezikhohlakeleyo ezingonakalisa i-credit yakho, ukucima i-akhawunti yakho yasebhanki, kwaye mhlawumbi ikunike intloko enkulu. Ngoko, kubalulekile ukuba ukhusele kwaye ulawule idatha yakho yezimali ngokufanelekileyo.
Okokuqala, qwalasela ukuthenga iphepha elihlambelayo kwikhaya lakho. Zonke ezo zindleko zexesha elidala kunye nekhadi lekhredithi elingasetshenziswanga ukuba ufumane kwi-imeyile inyanga nganye ingaba yintloko ekujoliswe kuyo ngamasela. Ngokufakela amaxwebhu akho angasetyenziswayo unokuqiniseka ukuba unciphise amathuba omntu oba ulwazi.
Oku kuthetha ukuba kufuneka ukhusele amaxwebhu ohlala nawo endlwini. Ukuba ugcina zonke izinto kwiibhokisi zekhadibhodi kwindawo esezantsi kwenzeka ntoni ukuba kukho umkhukula? Iminyaka yedatha ingalahleka. Into efanayo ihamba xa kukho umlilo okanye enye inhlekelele.
Ngelixa ungeke ukhuselele kuyo yonke into, unako ukufumana ikhabhinethi eqinile, eqinile, mhlawumbi kunye nelokukhusela umlilo, okuza kugcina amaxwebhu akho akhuselekile kwaye angaphandle kwezandla ezingafanelekanga. Awudingi ukuba uhambe ngaphaya kweebodi, kodwa nawe awufuni ukuba yonke into ihlale ejikeleze kwiibhokisi ezimbalwa zeembadada ezindala kwikhedidi yakho, mhlawumbi.
Ulungelelaniso Unokukunceda nabanindlalifa bakho
Kwimeko apho into eyenzekayo kuwe, amaxwebhu emali aququzelelweyo anganceda kakhulu abo baya kuba banakekele imicimbi yakho emva kokuba uhambe. Oku kungakuhlengahlengisa ukulungiswa kwefa lakho. Ukuba unayo intando, kubalulekile nokuba nencwadi yokufundisa ukuze umqhubi azi apho unokufumana khona la maxwebhu.