Ngaba UnokuQinisekisa iMali YeeNdawo eziMfihlo kunye neSithili?
Ukuhlanganiswa nokuhlaziywa kwakhona
Ngaphambi kokuba ugcwalise isicelo, kubalulekile ukucacisa iinkcukacha ezimbalwa. Uya kufuneka ukwazi ukuba unemali-mboleko yomfundi wangasese okanye iimali-mboleko zemfundo-okanye ezinye zazo.
Emva koko, sinqume ukuba yiziphi iimali-mboleko zokushiya zodwa, kwaye ziphi na ezo zokuhlaziya okanye ukudibanisa.
Ukuhlanganiswa kufumaneka kuphela kwimali- mboleko yomfundi. Oku kudidisa kubafundi nabagqwesileyo abaneemali-mboleko ezizimeleyo kuba ityala "ukuhlanganiswa" lithetha ukudibanisa iimali-mboleko ezininzi kwimali-mboleko enye (oku kwenzekayo ngemali-mboleko yomfundi ngasese - xa uhlaziya). Imali-mboleko ye-Federal Direct consolidation ikuvumela ukuba udibanise iimali-mboleko ezininzi ngexesha elilodwa ugcine zonke iinzuzo zemali-mboleko yomfundi . Inqanaba lakho lesenzalo liba li-balance balance of your existing loans, kwaye unokukhetha ixesha elitsha lokufumana imali.
Ukuxhaswa kwemali kufumaneke kwimali-mboleko yemfundo yabucala kunye neengxowa-mali zemali. Xa uhlaziywa, uhlawula amatyala athobileyo ngemboleko yemitshato entsha - ngokuqinisekileyo, imali ebolekayo ingcono kuneemali-mboleko ozihlawulayo. Ngokuqinisekileyo, udibanisa xa udibanisa iimali-mboleko ezininzi, kodwa ngababolekisi bamashishini abucala, awukwazi ukudibanisa nokugcina iintlobo ezifanayo ozifumana kwiinkqubo zikaRhulumente.
Ukuhlanganiswa kwemali-mboleko yaseburhulumenteni kunye neLebhanti yangasese
Abanini-mali abaninzi ababolekileyo banomdla wokudibanisa nayiphi na uhlobo lomboleko owenayo, kubandakanywa nemali-mboleko yomfundi. Nangona kunjalo, xa ususa iimali-mboleko zemali kwiinkqubo zeSebe leMfundo (nakwiprogram yangasese), uya kunika iingeniso eziza ngemali-mboleko yezemfundo-zemali-mboleko zakho ziya kuba yimali-mboleko yomfundi wangasese .
Izibonelelo zemboleko zemfundo zedolophu ziquka:
- Iiprogram zokubuyisela imali ezisekelwe kwiimali ezigcina iintlawulo ezithengekayo xa imali yakho engenayo iphantsi
- Ukuxolelwa kwemali, ngokusekelwe kumsebenzi wakho kwinkonzo karhulumente okanye kwezinye izinto
- Ukuphazamiseka nokunyamezela: ukukwazi ukuyeka okwenzithuba ngexesha lokwenza (abanye ababolekisi bamashishini abucala banikezela le micimbi, nangona bengabanikiyo)
- Ukukhawuleza ukufumana iimali-mboleko ezithile kunye nekhredithi engalunganga okanye akukho mlando wekhredithi (kwaye ngaphandle kwe-cosigner)
- Iindleko zenzalo ezixhasayo xa usesikolweni
- Ixabiso lentlawulo elincinci elingaba liphantsi kunokuba ungene lakho
- Amaxesha obomi awafunanga iintlawulo ngelixa esikolweni
Ukufumana iinkcukacha ezithe vetshe, jonga iSebe leMfundo lemchazi kumatyala abucala kunye neseburhulumenteni. Kungenzeka ukuba awuyidingi loo mivuzo, kodwa kufuneka ukuba ubuncinane uyazi into ejongene nayo.
Ukuxhaswa kweeNgxowa-mali zangasese
Xa uboleka kubani-mboleko babucala (kubandakanywa xa uhlaziywa), kufuneka ufanele ukufumana imboleko ngokusekelwe kwikhredithi yakho kunye nengeniso.
Iimpawu zesikweletu zisekelwe kwimbali yakho yokuboleka . Ababoleki bafuna ukubona ukuba ubole ngemali imali kwaye ubuyisele abanye ababolekisi. Ukuba uthe wathabatha imali mboleko kwixesha elidlulileyo kwaye uhlala uhlawula ngexesha, i-credit yakho kufuneka ibe yimeko efanelekileyo.
Ukuba awunayo imbali yokuboleka ( okanye ungekho phantsi kwemali-mboleko), kuya kufuneka ukhethe umlando wakho weebhanki ukuze ufanelekele ukubolekwa kwemali mboleko.
Ingeniso yakho inikeza imali oyisebenzisayo ukwenza iintlawulo zenyanga, kwaye ababolekisi bafuna ukubona ininzi yemali engenayo etholakalayo inyanga nganye. Ukuchonga ukuba ngaba unako ukubuyisela imali mboleko entsha, ngababolekisi abazimeleyo basebenzisa ityala kwinani lentlawulo . Okungaphantsi kwakho ukuhlawula ityaleni nganye ngenyanga (kubandakanywa namakhadi-mboleko kunye neentlawulo zemoto), ngcono.
Ukuba awukwazi ukufumana imboleko yemali eyimali esekelwe kwi-yakho mboleko kunye ne ngeniso, unako ukufumana uncedo kumxhasi we-cosigner . Abaqeshisi bafaka isicelo semboleko kunye nawe , besayine igama labo kwisivumelwano somboleko. Ababolekisi baya kwongeza ingeniso ye-cosigner yakho kunye neenkcukacha zekhredithi kwisicelo, ngoko ke abakhogizi abanekhredithi eqinileyo kwaye baninzi imali engenayo.
Ngelishwa, umxhasi wakho unomngcipheko omkhulu ngokukunceda - ukuba awuyi kuhlawulwa ngetyala, umboleko we-cosigner uya kubandezeleka, kwaye ababolekisi bangayama ukuqokelela ityala kubo bobabini kunye nomxhasi wakho .
Xa udibanisa iimali-mboleko zangasese, ungasebenzisa nayiphi na uhlobo lomboleko owufunayo (ngokungakhathaliseki ukuba i-lender yakho entsha ikuvumela ukuba uhlawule iimali-mboleko zangasese).
- Imboleko yemali-mboleko yokuzibolekisa ngemali eyimfihlo yenzelwe ukuhlaziya ityala lakho langasese. Ababolekisi banikeza le mboleko bazimisele ukwenza iimali-mboleko ezinkulu, kodwa kuya kufuneka ufanele ukufumana ezi ntlawulo ezinkulu (kwakhona, mhlawumbi kunye ne-cosigner). Ezi mboleko zinokubonelela ngezixhobo ezinobungqina-mboleko ezifana nekhefu lexeshana kwiintlawulo ngexesha lokungasebenzi.
- Izibopho zemali ezivela kwibhankini, umanyano wemboleko, okanye umboleki we-intanethi ungasetyenziselwa phantse nayiphi na injongo, kuquka ukuhlawula ityala lomfundi. Ngomboleko wakho, akudingeki ukuba uthembise imali okanye usebenzise imali ngenjongo ethile.
- Imali-mboleko yemali yasekhaya isebenzisa indlu yakho ukukhusela imali mboleko. Ngenxa yoko, kunokuba lula ukuba ufaneleke, kwaye unokufumana inzala engaphantsi. Nangona kunjalo, kuyingozi ukubeka ikhaya lakho kumgca: ukuba awukwazi ukwenza iintlawulo, ubhekene nokuchithwa kwemali (kunye nomonakalo wesikolodo). Ngaphezu koko, iimali-mboleko zemali zasemakhaya, ezaziwa ngokuba yimali yesondlo yesibini, zivame ukuba nezindleko zokuvala ezibizayo .
Kutheni iRefinance? Ngoba kutheni?
Ukuhlaziya kwakhona kunokukunceda ugcine imali kwaye wenze lula ubomi bakho, kodwa kunokubangela iingxaki.
Iindleko eziphezulu ziyingozi enkulu xa kuhlaziywa ngemali mboleko yemfundo yabucala. Ukongeza kwiindleko zokufaka isicelo kunye nokuvala, unakho ukuhlawula umdla ngaphezu kwemali yakho mboleko xa uhlaziywa. Nangona ufumana isantya esezantsi kumboleko wakho omtsha, ixesha elide lokubuyisela (umzekelo, umboleko oza kuhlawulelwa kwiminyaka engama-20 endaweni ye-10) unokunyusa iindleko zakho. Ngaphambi kokuba ululale ezo ntlawulo, yenza ezinye izibalo zemali ngokukhawuleza kwaye uqhathanise iindleko.
Ixabiso eliphantsi , ukuba unako ukufaneleka, luncedo. Ingakumbi ukuba uqale uboleka kunye nomboleki-bucala, kunokufumana ithuba lokunciphisa iindleko zakho zokuboleka. Kule minyaka embalwa edlulileyo, i-credit yakho ingaphuculwe, okanye abaphiswano abatshintshileyo bangathanda ukuboleka amaxabiso amaninzi.
Ixabiso lentlawulo elincinci liyakulinganiswa . Ukuba iimali-mboleko zakho zinamazinga atshintshayo, unokubanjwa ngokumangalisa ukuba iirhafu ziyaxhamla kwixesha elizayo. Nangona kunjalo, amaxabiso atshintsha rhoqo aqala ngaphantsi kwamazinga athatywayo, kwaye amaxabiso angenakudlulisela ixesha elide - lixesha elilodwa liza kuxela. Ukuba unako ukufumana isantya esilungileyo kwaye unenkxalabo malunga nokunyuka kwamazinga, ukulungiswa kwempahla kunokuba kunengqiqo .
Ukuba usebenzisa i-cosigner ukuze ufumane imvume, unokukwazi ukuhlaziya ngaphandle koqhagamshelwano. Ukwenza oko kwenza abahlobo bakho kunye nentsapho yakho bayicime, kwaye ibenza baboleke kwenye indawo ukuba bafuna . Kodwa unokuba ungadingi ukucoca ukuba ususe umxhasi-cela umthengisi wakho wangoku malunga "nokukhululwa kwe-cosigner" ukuba oku kuyona nto ephambili.
Iintlawulo ezingaphantsi zihlala zihle, kodwa zingase zifike ngexabiso. Kukho iindlela ezimbini zokunciphisa intlawulo yakho: sebenzisa inzala engaphantsi okanye ukwandisa ixesha lokuhlawulwa kwemali-mboleko (okanye zombini). Ukuba ukuhamba kwemali kungumcimbi okwangoku, unako ukufumana igumbi lokuphefumula ngokucwangcisa - khangela nje ngaphambi kwexesha ukuba uya kuhlawula umdla onjalo lo thuzelo.
Iintlawulo ezimbalwa zilula ukugcina umkhondo. Ukuba unemalimboleko evela kubaboleki abahlanu abahlukeneyo, izinto ziyakwazi ukukhawuleza ngokukhawuleza. Ukuhlaziywa kwakhona kunye nokudibanisa kuya kuhlawulela iintlawulo ezintlanu kwenye, kodwa oku kungenakudingekanga ngaphandle kokuba ufumana uncedo olongezelelweyo kulo mcimbi. Le mihla, kulula ukuzenzelela iintlawulo kwaye uvumele ibhanki yakho ibambe yonke into .
Iingxowa-mali zokuBumbana kwangasese
Ukuba unetyala lesigxina labafundi, ababolekisi abazimeleyo ngokugxininisa kwimali-mboleko yemfundo kuya kufikelela ekupheleni kwoluhlu lwakho. Ngenxa yokuba ungasebenzisi inkqubo yoorhulumente, le mboleko ngokukodwa imboleko yemali ebizwa ngokuba yimali mboleko yemfundo. Njengoko uthengisa phakathi kwababolekisi, hlalutya zonke iinkcukacha ezingezantsi.
Iirhafu: Inqanaba lakho lelinye lezona zinto zibalulekileyo kwimboleko yakho entsha. Iphakamileyo izinga lakho, umdla oza kuwuhlawula ngobomi bemboleko yakho. Ukuba uceba ukuhlawula ngokukhawuleza amatyala kwiminyaka embalwa nje, inzala yenzalo ibaluleke kakhulu.
Uncedo kumaxesha anzima: iimali-mboleko zemfundo zedolophu zinikeza uncedo xa ungasebenzi okanye umvuzo wakho uphantsi - unokuyeka ukuhlawula okwethutyana ngaphandle kwemali ephezulu okanye umonakalo kwikhredithi yakho. Ababolekisi bangebucala abangekho nje ngokuphana, kodwa banokunikela ixesha elifutshane lokungabikho kwemisebenzi kunye nezinye izibonelelo. Fumana oko kukhoyo - kwimeko nje.
Iimpawu zokufaneleka: amabhanki anokunciphisa isicelo sakho, kodwa zama abanye ababolekisi. Ukuba unomlinganiselo ophantsi we- FICO , abanye ababolekisi bazimisele ukujonga kwimithombo ekhoyo yolwazi ukuchonga ukuboleka kwakho. Ngokomzekelo, banokuphinda bahlaziye imbali yakho yeentlawulo zomsebenzi, okanye basenokusekela isigqibo malunga nemali engenayo kunye nomsebenzi wakho.
Cosigner ukukhululwa: okwangoku, ukufumana imvume kuya kuba yinto ephambili. Ukuba usebenzisa i-cosigner, zama ukusebenzisa imboleko ngomgaqo ocacileyo okhupha umxhasi-mboleko kwimboleko emva kokuba wenze inani elithile leentlawulo zexesha. Umncedisi wakho uyenzela inceba - kwaye unokubuyisela ukuthandwa ngokunciphisa ingozi. Kakade, uceba ukuhlawula, kodwa izingozi zenzeke, kwaye kuyona nto ingcono ukususa abakhogiza ngokukhawuleza.