Indlela yokuSebenzisa iNgcaciso yokungasebenzi
Kuhlala kukulungele ukuqhuba iintlawulo zemali-mboleko (kuya kufuneka uhlawule ekugqibeleni), kodwa oko akunakho ukukhetha ngexesha lokungasebenzi.
Indlela yokuPhathwa kweNgqesho engasebenzi
Ukungasebenzi kwemisebenzi kukuvumela ukuyeka ukuhlawulwa okwethutyana kumboleko wakho obafundi xa ungaqeshwanga.
Chaza ukungaqeshwanga: akudingeki ukuba uqeshwe ukuba ulungele ukuchaswa. "Ukungasebenzi" kubangelwa ukusebenza ngaphantsi kwama-30 iiyure ngeveki (okanye imeko apho usebenza khona ixesha elipheleleyo, kodwa umsebenzi awukulindeleki ukuba uhlale ngaphezu kweentsuku ezingama-90).
Ngaphambi kokuyeka iintlawulo: ukuqala ukuchaswa (kwaye uyeke ukwenza iintlawulo) uya kuyifaka ukufaka isicelo kwaye ufaneleke - akusiyo ngokuzenzekelayo. Ukuba uyeka ukuhlawula ngaphambi kwexesha, usengozini yokulimaza i-credit yakho .
Faka isicelo sokumiswa: ukuba wenze igosa, isicelo se-deferment nge-servicer yakho yemali-mboleko (inkampani othumela ngayo iintlawulo kwenyanga nganye). Njengoko unokulindela, kuya kufuneka uzalise ifomu kwaye ucele ukuba imali yakho mboleko ibe yinto echaziweyo.
Ukulungelelanisa ukuchaswa: kuya kufuneka uxwebhu lwetyala lakho ukufaneleka.
Kukho iindlela ezimbini zokubanga ukuba ufanelekile: zifakazela ukuba ufuna umsebenzi, okanye ubonise ukuba ufanelekile into enjengeempesheni zokungasebenzi emsebenzini.
Emva kokuba uvunyiwe: ungayeka ukwenza iintlawulo xa ufumana igama elisemthethweni kwi-servicer yakho mboleko. Nangona kunjalo, kuya kufuneka uhlale uqhagamshelana nomniki-mboleko wakho.
Iintlobo zemali-mboleko: iimali-mboleko zemfundo zabasebenzi, ngokuqhelekileyo abanomdla-abanomdla kakhulu , banikezela ithuba elihle lokungabikho kwemisebenzi. Eli phepha libhekiselele imigaqo yokumiswa kwemali-mboleko karhulumente. Ababolekisi ngabangasese banokukuvumela ukuba uhlehlise intlawulo, kodwa imithetho iyahluka. Qhagamshelana ne-servicer yakho yemali ngenjongo epheleleyo.
Umdlalo wamahhala?
Unokuyeka ukwenza iintlawulo kwi-deferment, kodwa inzala isenokuhlawulwa kwiakhawunti yakho. Ukuba uncedise ngemali mboleko , inzala iya kuhlawulwa. Nangona kunjalo, ngeemali-mboleko ezingagqitywanga, uya kufuneka uhlawule loo ndleko yenzalo nganye nyanga okanye wongeze iindleko zentshisekelo ngaphezulu kwe-balance balance yakho ( eyaziwa ngokuba yi-capital investment interest ).
Ukuxhaswa kweendleko zenzalo kunokubonakala kukuthakazelisayo - unokukwazi ukuhlangabezana nayo kamva-kodwa oku kungabiza. Imali-mboleko yakho iya kwanda . Ngenxa yoko, kuya kufuneka uhlawule oko ubolekelwe kunye nomdla owakhiwe ngexesha lokumiswa (kunye kunye uza kubhatala inzala kwimali eyongezelelweyo mboleko yakho).
Bhatala inzala eqhubekayo: ngexesha lokumiswa, kufuneka ube nenketho yokuhlawula iindleko zomdla ngamnye ngenyanga . Oku kuya kuba yinkokhelo encinci kuneentlawulo zakho ezihleliweyo, kwaye ngokuqhelekileyo kubulumko - kuya kugcina ityala lakho lingakhuli.
Ubude beNgcaciso
Ukufowunelwa kwakho kuya kuhamba kwimijikelezo yenyanga ezintandathu: emva kweenyanga ezintandathu, kuya kufuneka uphinde ufake isicelo sokuhlala kwisigxina - oku akunjalo. Oko kuthetha ukuba kuya kufuneka (kwakhona) usayine amaxwebhu kwaye ubungqina ukuba usenokuba ufuna umsebenzi okanye ufumana inzuzo yokungasebenzi kwelizwe. Ukuba iimali-mboleko zakho zokuqala zenziwe ngaphambi koJulayi 1, 1993, ukukhutshelwa kwakho kuya kugcina iminyaka engama-mibini - mhlawumbi ukukhutshwa kwakho kungadlulela kwiminyaka emithathu.
Xa ususebenza kwakhona, ukufowunelwa kwakho kufuneka kuphele, kwaye kuya kufuneka uqale ukuhlawula kwakhona. Qhagamshelana nomboleki wakho kwaye ubazise ukuba awusayikufanelekela ukuchaswa.
Ukuba awukwazi ukuhlawula iintlawulo zakho, qhagamshelana nomboleki wakho ngaphambi kokuba uqale ukuhlawula iintlawulo .
Kukho ezinye iindlela zokukhetha, kuquka ezinye iindidi zokuchaswa okanye ukulungiswa kwemboleko yakho kunye nentlawulo.
Ukufuna Umsebenzi
Ukuze uhlale ungqiniswanga, kufuneka ufune umsebenzi. Ngokomsebenzi, oku kuchazwa ubuncinane ubunzima bokuzama ukufumana umsebenzi kwiinyanga ezintandathu ezidlulileyo. Kungcono ukugcina iirekodi zemigudu yakho ekufumaneni umsebenzi.
Ngelishwa, awukwazi nje ukulinda umsebenzi ocinga ukuba ufanelekile - abaninzi ababolekisi bafuna ukuba uthathe nawuphi na umsebenzi onokuwufumana, kungakhathaliseki ukuba ufumana imali okanye inzuzo.
Ukuba unelungelo lokufumana iingeniso zengqesho kwilizwe lakho, unokwenza uxwebhu olufanele ukulungiswa kwemvume ngokubonisa ukuba njengamanje ufumene izibonelelo kwilizwe lakho.
Ukutshekisha kwentsholongwane engaphantsi kwentswelo kufuneka isebenze ubungqina obuchanekileyo.
Ababoleki banokucela njalo nawaphi na amaxwebhu ancedayo abayimfuneko, ngoko gcina iirekhodi ezilungileyo kuyo nayiphi na intatheli-mboleko yomsebenzi, phawula nayiphi na inkqubo yenkqubo yokuthatha inxaxheba, kwaye ulungele ukubuyisela nayiphi na amabango owenzayo.
Ezinye iindlela zokungabikho kweNgqesho
Ukuchithwa akuyiyo yodwa inketho ngexesha lokungasebenzi (okanye ukungasebenzi). Hlola zonke iinketho zakho - awufaneleki ukulungelelaniswa okanye ungasifumana ukuba akufanelekanga.
Iiprogram zokubuyiselwa kwemali eqhutywe ngenzuzo zingenza lula ukuhlawula xa imali yakho engenayo iphantsi. Intlawulo ibalwa ngokusekelwe kwimbuyekezo yakho yangoku, kwaye usenokukwazi ukunqumla iintlawulo uze ubuyele ezinyaweni zakho.
Ukunyamezela ngenye indlela yokuyeka ukwenza iintlawulo zesikhashana, kwaye unako ukukwazi ukunyamezela ukuba ukuchaswa akuyiyo inketho.
Qhagamshelana nomboleki wakho ngezinye iindlela ezongezelelweyo. Ngokuxhomekeke kwimeko yakho, unakho ukufumana ezinye iinkqubo. Ngokomzekelo, inkonzo yezempi okanye ukukhubazeka kunokukunceda ukuba ube neenzuzo ezithile.
Ukufumana enye imali mboleko ukuhlawula iimali-mboleko zakho zabafundi kungalinga, kodwa kuyingozi. Uza kwandisa umthwalo wetyala lakho kuphela, kwaye usengozini yokuwa kwi-debt spiral . Xoxa kunye nomboleki wakho kwaye uchaze imeko yakho phambi kokuba ungene ematyaleni.