Ndilondoloza imali kumdla - kodwa ndifuna ukuhlawula okuphantsi
Ukuhlawula ityala lakho kusenjenjalo kudla ukucinga . Nangona kunjalo, izinto ezinokuthi zingasebenzi kakuhle njengoko ukulindele ukuba ubeka le ntlawulo kwi-mortgage yakho kwisixa esisodwa semali. Ngaphambi kokuba uthumele imali, qhelana nendlela iintlawulo ezongezelelweyo ezichaphazela ngayo ezi zilandelayo:
- Iindleko zakho zenzalo
- Ixesha elithathayo ukubuyisela imali mboleko yakho
- Intlawulo yakho yenyanga
Iindleko zenzalo
Ukwenza inkokhelo enkulu kwixesha lakho lokuthenga imali kuya kunciphisa umyinge onomdla owuhlawula ngawo. Uya kuba ne-balance balance loan, kwaye inzala ihlawuliswa kwi-balance balance loan yakho, ngoko uya kuhlawula ngaphantsi. Kwiminyaka emininzi, oku kuza kubakho ukugcina imali eninzi-ingakumbi ukuba uneminyaka yokuqala kwimali-mboleko yesikhathi eside njengemali-mboleko yeminyaka engama-30. Ngeemali-mboleko zemali-mboleko (okanye iimali-mboleko ohlawula phantsi kwexesha kunye neentlawulo ezinqamlekileyo ), ininzi yentlawulo nganye yenyanga iya kwiindleko zenzalo. Ngokuthe ngcembe, ngokuphindaphindiweyo kuya kwinqanaba lokubuyisela inqununu.
Ukuqonda ngokuthe ngqo ukuba uza kusindisa, ungadinga ukwenza iibalo ezininzi. Kodwa imathematika ayikho into embi (ikhompyutha iya kwenza konke ukuphakamisa okunzima), kwaye kunceda ukuqonda ngokwenene ukuba umbolekisi wakho usebenza njani nokuthi ungalondoloza njani imali. Ukuba ufanisa mboleko yakho kwi-spreadsheet , uya kubona indlela umbolekisi osebenza ngayo: intlawulo yakho yenyanga, iindleko zenyanga, kunye ne-balance balance loan yakho.
Ukunciphisa nje ibhalansi yemboleko kwinqanaba elithile kwi-spreadsheet ehambelana nalapho uhlala khona namhlanje.
Umzekelo, ukuba unetyala elingama-100 000 kwaye ucinga ukuhlawula i-$ 20,000, ngoko ukunciphisa ibhalansi yakho mboleko kwi $ 80,000-ispredishithi kufuneka ibuyisele ngokuzenzekelayo yonke imboleko yakho, kwaye kufuneka ubone iindleko zenzalo ezinciphise.
Ixesha lokubuyisela
Uninzi lwee-mortgages uneminyaka engama-15 okanye iminyaka engama-30 engama- retirement rate . Ngelo xesha, uya kuhlawula ngokukhawuleza imali yokuboleka imali. Nangona kunjalo, unako ukukhawulezisa izinto ngokukhawuleza kungabikho isohlwayo sokuhlawulwa kwangaphambili .
Ukuba wenza imali yokuhlawula imali kwaye ungagqithisi imali mboleko (jonga ngezantsi), uya kuhlawulwa ngokukhawuleza kwaye ugcine imali kwimali. Ezi ntlawulo zenyanga ziphela ngokukhawuleza-ukuze ubeke ezo mali kwiinjongo ezithile. Kwakhona, usebenzisa izibalo ezixhunyiwe ngasentla, ungasebenzisa amanani, kwaye uya kubona ukuba umboleko uphela kuphela.
Intlawulo yenyanga
Ukuba umgomo wakho oyintloko wokwenza intlawulo yentlawulo yesikhokelo kukunciphisa intlawulo yakho yenyanga, ngoko unokuba yinhlanhla. Kodwa iinkampani zokubolekisa imali akuyi kuhlengahlengisa inkokhelo yakho xa uhlawula ngaphezulu - ngamanye amaxesha kufuneka ucele ukulungiswa kwakhona nokuhlawula umrhumo. Le nkqubo iyaziwa ngokuthi ibuyele imali yokuthenga imali .
Abanye abantu bayadumala emva kokuba bathumele iintlawulo ezinkulu kwi-mortgage lender yabo, kuphela ukufumanisa ukuba ukuhlawulwa kweenyanga ezifunekayo akutshintshi. Qiniseka ukuba ubuze umnini-mboleko wakho oko kuyimfuneko ukuba uhlalutye inkokhelo yakho yenyanga.
Ukuba unemali-mboleko yemali kuphela , iimeko ezingcono ukuba intlawulo yakho yenyanga iya kuncitshiswa.
Emva kwakho konke, inkokhelo yakho isekelwe kuphela kwisixa semali mboleko (engatshintshiyo ngaphandle kokuba uhlawule ngaphezulu). Nangona kunjalo, nokuba nomdla kuphela ukubolekisa ngokukhawuleza - ngoko kubiza kwaye ucele ukuba izinto zisebenza njani ukuba zibalulekile kuwe.