Ingaba Yenza I-Sense Yokuhlaziya?
Imithetho Yesikhumba
Umgaqo wendabuko wesithupha (oza kuwusebenzisa ngokukhawuleza) ukuqikelela ukuba ukuhlaziywa kukuhlalutya okuphambili.
Le nkqubo ikuvumela ukuba ufumane ukuba uza kuthatha ixesha elingakanani ukubuyisela iindleko zokuvala uza kufuneka uhlawule ukuze uhlaziywe. Ngokomzekelo, cinga ukuba uya kuhlawula i-$ 2,000 ukuze uhlaziywe kwaye inkokhelo yakho iya kuncitshiswa nge-$ 100 ngenyanga. Kule meko, uya kuqalisa ukugcina imali emva kweenyanga ezingama-20 (i-$ 2,000 iindleko ezihlulwe yi-$ 100 yokulondolozwa kwenyanga zonke ezilingana neenyanga ezingama-20).
Ukusebenzisa lo myalelo wesithupha, unokugqiba isigqibo sokuba kufuneka uhlaziye ukuba uya kugcina imali yakho ubuncinane ubuncinane kwiinyanga ezingama-20 - emva koko, uhamba nge $ 100 ngenyanga. Uninzi lwabantu abasebenzisa le ndlela lukubonisa ukuba kunengqiqo ukucocwa ukuba indawo yakho yokuphuza iphakathi kweminyaka emibili okanye kunjalo, kwaye ayikho icebiso elibi. Nangona kunjalo, le ndlela iyanciphisa izinto , kwaye kulungele ixesha lakho ukuqonda kangcono umboleko wakho ngaphambi kokuba wenze isigqibo esikhulu. Emva kwakho konke, oku mhlawumbi umboleko omkhulu oya kuwujongana nayo.
Kutheni uhlaziya kwakhona?
Qala ngeendlela ezisisiseko: kutheni ufanele uhlaziye?
Kunengqiqo kuphela ukuba uya kugcina ugcine imali okanye uxazulula ingxaki . Umzekelo wesisombululo sengxaki kukuba unokufuna ukuphuma kwintlawulo yemali yokuboleka imali (ARM); ukuhlaziywa kwi-mortgage rate rate kuthetha ukuba uya kuhlala uyazi ukuba uya kuba yintoni intlawulo yakho yenyanga.
Ukugcina imali kuthetha izinto ezahlukeneyo kubantu abahlukeneyo.
Indlela elula yokucinga ngokusindisa kukuqwalasela ukuhamba kwemali: ubuninzi kufuneka ube neliphi na, kwaye uza kulondoloza buninzi? Ulawulo lohlalutyo lokuphambana nokugqithisa ukugqithiselwa kwemali, kwaye ukuhamba kwemali kubalulekile.
Nangona kunjalo, unokugqiba ukuchitha ngaphezulu nangona uvakalelwa kukuba uchitha imali encinane. Ukuhamba kwemali yinto enye kuphela. Iindleko zakho zomdla wokuphila ziyinto enye ebalulekileyo. Oko kukuthi, inani elipheleleyo elihlawula ibhanki malunga nobomi bemboleko yakho kufuneka libe yinxalenye yokulingana. Kwezinye iimeko, iindleko zakho zenzalo xa zihlaziywa - nangona ukuba intlawulo yakho yenyanga iyancipha. Oku kuyinyani ngokuthe ngqo xa uhlawulela kwixesha elide lemali- mboleko (njenge -mortgage year-year-year ).
Xa ukwenza iintlawulo zenyanga, inxalenye yentlawulo yakho ibuyisela imali oyibolekayo, kwaye inxalenye yendleko yakho yenzalo. Ukuze uqonde oku ngeenkcukacha ngokubanzi, funda indlela ukuhlaziywa kwemisebenzi kusebenza ngayo . Xa uhlaziywa, ufumana i mboleko entsha, kwaye uqala kwakhona inkqubo yohlengahlengiso. Uninzi lwenkokhelo yakho kwiminyaka yokuqala iya kwi-interest - ayenzi idoti enkulu kumalimboleko wakho.
Ukuba ugcina i-mboleko yakho endala, ininzi kunye nentlawulo nganye iya ekunciphiseni ibhalansi yemboleko. Kodwa ukuba uchitha imali yakho emalimboleko emitsha, uza kuhlawula inzala eninzi ngaphambi kokuba ubuyele kumashishini ekuhlawula ibhalansi yemboleko.
I-tradeoff kukuba ujonge ukuhlawula iintlawulo eziphantsi kweenyanga namhlanje.
Enye indlela yokuyibeka: unokuchitha ii-dollar ezimbalwa ngaphantsi kweenyanga xa uhlaziywa (okungafani "nokugcina" ama-dollar ambalwa), kodwa kunokuhlawula amawaka amawaka eedola ngexesha lokuphila kwakho. Ngaba ixabiso? Nguwe kuphela onokugqiba.
Emva koko, funda indlela yokujonga phantsi kwe-hood kwaye unqume ukuba okanye ungahlaziyi .