Ukuba ukuhamba kwemali akuyona ingxaki kuwe, mhlawumbi kungcono (ngokweengqondo zemali) kwiinkalo ezininzi ukuhlawula okanye ukukhawuleza ukuhlawula imali yakho.
Ukuhlaziya kunye nokuhlaziya
Uthini umahluko phakathi kokulungiswa kunye nokuhlaziywa kwemali mboleko yakho yasekhaya? Inkcazo ekhawulezayo inokunceda.
Ukuhlaziywa kwenzeka xa uhlawula imali eninzi yemali-mboleko yakho (ngamanye amaxesha kunye ne-sum sum-sum, kwaye ngamanye amaxesha kunye neentlawulo ezongezelelweyo rhoqo) kwaye utshintshe imali yakho ekhoyo . Umboleki wakho uya kuphinda abale iintlawulo zakho zenyanga ngokusekelwe kumyinge omtsha, ibhalansi ephantsi. Ngenxa yokuba ibhalansi yakho mboleko incinci, uya kuhlawula umyinge onomdla ngaphezu kobomi obusalayo. Uya kunandipha ukunyuka kweemali ezibangelwa umvuzo wakho ophantsi ngenyanga.
Ukuxhaswa kwemali kuyenzeka xa ufumana i-mboleko entsha kunye nokuyisebenzisela ukuhlawula umboleko wakho okhoyo. Ukuchaneka, i-lender yakho entsha yenza inkokhelo ngqo kumboleki wakho omdala, kwaye uqala ukwenza iintlawulo kwi-lender yakho entsha. Imboleko yakho iya kuthi (ibe nethemba) ibe yincinci kuneyona nto owayiboleka ngayo, ngoko ke kufuneka ube nenkokhelo engaphantsi kwenyanga.
Ukongezelela, mhlawumbi kunengqiqo yokuhlaziya xa ufumana inzala engaphantsi, ngoko unokuchitha imali encinci (kodwa ungaphelisa ukuchitha ngaphezulu ).
Iimveliso kunye neNgxowa yokuHlanywa kwakhona
Inzuzo ephambili yokuhlaziya ilula. Umbolekisi wakho mhlawumbi unenkqubo evumela ukuba uhlawule kakuhle.
Baya kuhlawula imali ephantsi, okufuneka ukwazi ukuyifumana ngokulula ngokugcina imali, kwaye baya kuba nemithetho emiselweyo (njengokuba kufuneka uhlawule ngaphaya ngaphambi kokuba uhlawule).
Ukuhlawula umboleko wakho, akudingeki ukuba ufaneleke ngokufanayo ngendlela oya kudingeka ukuba ufanele ukufumana umboleko omtsha ( onokuba ngumsebenzi omningi , kwaye akunakwenzeka kwimeko yakho yangoku). Awudingi ukubonelela ubungqina bemivuzo, uxwebhu lweempahla zakho (kunye nalapho bevela khona), okanye uqinisekise ukuba izikolo zakho zemali zisesigxina esiphezulu. Usuvele unomboleko - ucela nje ukuba kubalwe kwakhona ishedyuli yohlengahlengiso .
Xa uhlawula umboleko, inzala yentsingiselo ayitshintshi (kodwa ingatshintsha xa uhlaziya). Kukho izixhobo ezininzi ezisetyenzisiweyo ukubala intlawulo yakho yenyanga: inani leentlawulo eziseleyo, ibhalansi yemboleko kunye nenzala. Xa uhlawule, umbolekisi wakho utshintsha kuphela imali yakho mboleko.
Qaphela ukuba ukuhlawulwa kwemali mboleko akufani nokuguqulwa kwemboleko. Ukuba ungaphantsi kwamanzi kwaye ubhekane nobunzima bezezimali, kunokukho ezinye iindlela zokutshintsha imiqathango yemboleko yakho okanye ukuhlaziywa.
Iinkonzo kunye neNgxowa-mali yokuQinisekisa kwakhona
Izizathu eziphambili zokuhlaziywa ziza kuba ukuhlawula okuphantsi kwenyanga, ukuhlawula imali mboleko yakho, kwaye mhlawumbi ufumane inzala engaphantsi (enokuba yinto enzima, kuxhomekeke xa ufumene mboleko yakho).
Ukuba ufumana i mboleko entsha, uza kufumana ixesha elide lokubolekwa kwemali mboleko: ngaba iya kuba ngumyinge we-mortgage iminyaka engama-30, umboleko wemali engama-15 engama- rate , okanye i-mortgage rate rate (ARM)?
Nangona kunjalo, umboleko omtsha werhwebo ungagqiba ukuhlawula imali eninzi kunokuba uhlawule. Kubaqalayo, uya kufuneka uhlawule iindleko zokuvala (njengemali ye-appraisal, iifizi zokuqala, njalo njalo). Kodwa ixabiso langempela lingaba ngumdla okhulayo owuhlawulayo. Ukuba ulula imali yakho mboleko ngexesha elide - ngokufumana enye mboleko yeminyaka engama-30 emva kokuhlawula umboleko wakho okhoyo owedlule iminyaka eyi-15 - uza kuqala ukuqala. Uninzi lwemali-mboleko, uhlawula umdla kwiminyaka yokuqala, kwaye uhlawula ininzi inqununu kwiminyaka kamva. Umboleko omtsha wexesha elide uza kukubuyisela kule minyaka yokuqala.
Ukubona umzekelo wendlela oza kuhlawula ngayo inqununu kunye nomdla, sebenzisa ezinye iinombolo nge- calculator amortization calculator .
Musa ukwenza Njalo
Ukuba ufuna ngokwenene ukugcina imali, ukhetho olungcono lunokuba luyadlula ukuhlaziya nokuhlaziya. Endaweni yoko, hlawula imali yakho yokubolekisa (mhlawumbi kwisigxina okanye ixesha elidlulileyo), kwaye uqhubeke wenze iintlawulo ezinkulu ezifunekayo.
Ukuba uhlaziya, uya kuba neentlawulo ezincinci, ezinokuthi uzive kakuhle, kodwa awuyi kuhlawula imali mboleko yakho ngokukhawuleza. Ukuba uhlaziywa, unakho ukuhlawula imali yakho mboleko emva kokuba uya kuyo, kwaye oko kuphela kukukukhupha. Kodwa ukuba uhlawula kuqala kwaye uqhubeke nokwenza intlawulo yenyanga yokuqala, uza kusindisa imali kwinzala kwaye uhlawule imali yakho yokuqala.