Ukusebenza kweeMali eziKhuselekileyo

Unayo imali? Yakha iNgxowa

Ukuba ufuna ukuphucula ikhredithi yakho ngelixa ukhusela ukugcina kwakho, imali ebolekileyo yemali ingakunceda ufezekise iinjongo zakho. Ingqiqo iyazwakala ingaqhelekanga ekuqaleni: Bhoxisa imali oyilondolozile ebhanki - kwaye uhlawule umdla onomboleko kunokuba ufumana imali. Kodwa kukho inzuzo ekusebenziseni imali yakho ukukhusela imali mboleko. Ezi mboleko zikunceda ngokukhethekileyo ekwakheni i-credit echanekileyo , kwaye zinokukunceda ukulawula ukuziphatha kwakho.

Ingxowa-mali ekhusekileyo yeCash?

Imboleko ebolekileyo yemali ngumboleko oqinisekisileyo ngokufaka imali kunye nomboleki wakho. Uyakufanelekela "umboleko" ngokukodwa ngokusekelwe kwikhono lomboleki ukuba athathe imali xa uyeka ukuhlawula imali mboleko.

Ukusebenzisa lolu hlobo lwemboleko, uya kuboleka kwibhanki enye okanye inkontileka yemali apho unayo imali kwi-akhawunti yokulondoloza, i-akhawunti yemakethe yemali, okanye isitifiketi se-deposit (CD) .

Ngenxa yokuba sele unayo imali ekhoyo kwiakhawunti yakho, kukho umngcipheko omncinci kumboleki. Uya kuthatha imali leyo njengento yokubambisa , ithetha ukuba umnini-mboleko angathatha iifom xa ungaphumeleli ukubuyisela imali mboleko njengoko kuvunyelwene ngayo. Ngenxa yoko, kuya kuba lula ukufumana imvume. Ukuba awukwazi ukulungelelanisa ezinye iintlobo zemali-mboleko (njengemali-mboleko engaqinisekanga okanye amakhadi ekwereta), imali ebolekileyo yemali-mboleko ingaba yinto efanelekileyo.

Ba sebenza njani

Ukusetyenziswa nantoni na: Iimali-mboleko ezikhuselekileyo zingasetyenziselwa nayiphi na injongo yomthetho.

Kodwa kuyona nto ibhetele ukubeka imali kwizinto ozilindele ngokwenene okanye eziza kukubuyisela imali ekutsalweni kwakho (njengokuphucula ikhaya lakho). Imboleko ingafika ngesimo semali, okanye ungasebenzisa umgca wekhredithi (kunye nekhadi lekhredithi elilondoloziweyo, umzekelo).

Amanani okukhuphisana: Uhlawula umdla nangona umboleki wakho sele sele eneengxowa-mali ukuqinisekisa ukubolekwa kwemboleko.

Nangona kunjalo, umyinge wenzala owuhlawula ngemali ebolekileyo yemali iyancipha kunokuba uza kuhlawula ezinye iimali mboleko. Ngaphandle kokuba unamazinga aphezulu a matyala, uya kufumana izinga elingcono ngale mboleko ngaphandle kweemakhadi zemali-mboleko okanye iimali-mboleko ezingaqinisekanga . Kwakhona, umngcipheko kumboleki wakho uncinci, ngoko ixabiso lakho liphantsi.

Amanani athatshileyo : Iingeniso zentlawulo zifakwe ngokumalunga nemali-mboleko oyithathayo kwisixa-mali, ngoko ukuhlawulwa kwakho kuya kuhlala kuhamba ngexesha elifanayo. Awuthathi mngcipheko ofanayo ozayo ngezinga eliguqukayo , njengentlawulo yokumangalelwa. Ngokukodwa ukuba amaxabiso aphantsi, ukufumana isilinganisi esinqinileyo kwiminyaka emininzi kunokusebenza kakuhle ukuba ukugcina kwakho kuqale ukufumana ngaphezulu. Ukuba usebenzisa ikhadi lekhredithi elilondoloziweyo, izinga liya kuba liguquke.

Yimalini? Ezinye iibhanki zikuvumela ukuba ubolekise imali epheleleyo oyifakile kwaye uthembise njengebhondi. Abanye banciphisa umboleko - mali ukuxabisa umlinganiselo ukuya kuma-90 ekhulwini (okanye ngaphantsi). Ngokomzekelo, nganye i-$ 100 kwi-akhawunti yakho, banokuvumela kuphela ukuboleka i-$ 90. Ukuba injongo yakho ephambili kukudala i-credit, awudingi imboleko enkulu-eziliqela ezili-dollar zininzi, kwaye kuyaqheleke ukuba uqale ngemali-mboleko encinci kuneleyo. Ezinye iibhanki zinikela ngemali ebolekileyo imali efikelela kwii-100,000 zamawaka - inani elikhulu lixhomekeke kwibhanki yakho okanye umanyano wekhredithi.

Imiqathango emfutshane: Ininzi yemali-mboleko eqinisekisiwe ifike ngokufutshane . Iminyaka elishumi okanye ngaphantsi iyinto eqhelekileyo. Ezi mboleko zilungele ukukunceda ngamaxesha amanzima kwaye uphucule amanqaku akho. Ukuba ufuna i-mortgage iminyaka engama-30, imali ebolekileyo yemali mhlawumbi ayikho ithuluzi elifanelekileyo.

Iintlawulo zentlawulo: Uhlawula iimali-mboleko zemali, uzakufumana iintlawulo zenyanga ngokulinganayo kwixesha lakho lomboleko. Inxalenye yentlawulo nganye inciphisa ibhalansi yakho mboleko, kwaye intsalela yindleko yakho yenzalo. Ukubona indlela le nkqubo isebenza ngayo, funda malunga nokuhlaziywa kwemali . Khangela ezinye iinombolo kwaye uzilungiselele umboleko wakho .

Nangona kunjalo, kukho ukungafani kumboleko oqhelekileyo. Ezinye iingxowa-mali zifumaneke ngefowuni yamakhadi ekhusiweyo okanye ezinye iintlobo zemigca yemboleko .

Eyona ncinane kakhulu: Y okanye akudingeki ukuba uye kukhulu ukuzisebenzisa ngokumalunga nale mboleko.

Ukuba uqala nje ukwakha (okanye wakha kabusha) ityala, cela malunga nokuboleka ama-dollar ambalwa. Imboleko encinci iya kuba ngumthwalo onzima kwimali yakho. Awufuni ukuvalela nayiphi na imali ngaphezu kwakho, kwaye unako ukugcina iindleko zomdla ezantsi.

Kutheni Ungayisebenzisi Imali Yakho?

Unokuzibuza ukuba kukho nayiphi na indawo yokufumana mboleko xa sele ufumane imali ekhoyo. Kwezinye iimeko, ukuchitha imali yindlela efanelekileyo: Uyakuphepha ukuhlawula umdla, ubeka ityala lakho elincinci , kwaye awubeka engozini nayiphi na umonakalo kwingxowa-mali xa uyeka ukwenza iintlawulo.

Nangona kunjalo, ukusebenzisa le mboleko kunganceda.

Yakha i-credit: Ukuba unetyala elibi (okanye awuzange ubolekise ngexesha elidlulileyo ukuze i-credit yakho "inqabile"), le mboleko ingaba ngamatye atyelele ukuya kumazinga angaphezulu kweetyala . Njalo xa uhlawula ngempumelelo imali mboleko, i-credit yakho iyathuthuka (ukucinga ukuba mboleko ixelwe kwi- arhente yokubika ngetyala ).

Iindleko zenzalo ezingagqithwanga: Ukuba uya kuhlawula umdla wokwakha i-credit, kuyinzuzo ukwenza ezinye zeendleko. Ngokuqinisekileyo, kufuneka ubolekise kwaye uhlawule umdla ukuba ufumana ezinye iinzuzo. Xa usebenzisa imali yakho njengesibambiso, imali iyavalwa kuze kube yilapho umbolekisi uhlawulelwe (unokwazi ukufikelela kwenye yayo emva kokuba uhlawule ngokukodwa imali mboleko). Okwangoku, imali yakho iyaqhubeka ifumana inzala , kodwa uya kufumana inzala encinane kunokuba uhlawula ngemboleko.

Gcina ulondolozo oluchanekileyo: Kukho inzuzo yokuziphatha. Ukuba unenkathazo yokulondoloza imali, kusenokungabi yinto efanelekileyo yokulondoloza ukugcinwa kwakho kwimeko engxamisekileyo (ngenxa yoko uya kufuna umyalelo wokwakha kwakhona, kwaye kuya kufuneka uqale ukusuka kwi-zero). Ukuboleka ngemali yakho kunikeza isakhiwo esikhuthaza ukuba wenze iintlawulo ezifunekayo, kwaye kukukhumbuza ekusebenziseni amakhadi ekwereta ukuhlawula iimeko ezikhawulezayo. Xa umboleko uhlawulwa, uya kuba ne-sum cash cash available for future needs.

Iimboleko ezingcono kwixesha elizayo: Ekugqibeleni, umahluko phakathi koko ufumeneyo kwaye uya kuhlawula yintengo yekhredithi ephuculweyo kunye nenzuzo yengqondo. Ukuba usebenzisa i-mboleko emikhulu kwikamva (ukuthenga indlu okanye imoto, umzekelo) isicwangciso sinokuhlawula. Ukuba unetyala elingcono kunye nemali eninzi efumanekayo yintlawulo enkulu (kuba ugcine ukugcina imali yakho), unokufumana ilungelo elingcono kulezo mboleko ezinkulu. Le nqanaba inokubangela iindleko zentsholongwane ephantsi kakhulu.

Iingcebiso zokwakha iMatyala

Ukuba umgomo wakho oyintloko ukwakhiwa kwakhona kwekhredithi, qiniseka ukuba umboleko uya kusebenza ngokwenene.

1. Qinisekisa ukuba umnini-mboleko wakho ubhawula iintlawulo kwiimali-mboleko zemboleko, ngaphandle koko akuyi kuba nempembelelo kumanqaku akho ekwereta.
2. Qinisekisa ukuba imboleko inikwe ingxelo ngokujonga i-credit yakho ngezikhathi ezithile (ikhululekile kubasebenzisi base-US).
3. Fumana iintlawulo zakho ngexesha-ngexesha-iintlawulo zexesha elidlulileyo ziya kulimaza i-credit yakho, ekushiye unomsebenzi omningi ukwenza emva koko.