Nguwuphi na uhlobo loTyala olubaluleke ngakumbi?
Xa kuziwa kwetyala, kukho iintlobo ezimbini ezibalulekileyo: amatyala aqinisekileyo kunye netyala elingaqinisekanga. Ukwazi ukumahluko kubalulekile ukuboleka imali, ukubeka phambili izikweletu zakho ngexesha lokufumana imali, kunye nokuqinisekisa ukuba awulahlekelwa nayiphi na impahla enokubambisana namatyala akho.
Iingxaki ezikhuselekileyo
Iimali ezikhuselekile ziboshwe kwi-asethi, njengendlu okanye imoto. I-asethi ngokuqhelekileyo ibhekwa njengento yokubambisa ityala, ngoko ke kutheni kuthiwa yi-"ityalwe" ityala.
Ababoleki babeka i-link kwi-asethi, banike ilungelo lokubuyisela, umz. I-repossess okanye i-foreclose, i-asethi xa uwela emva kweentlawulo zakho. Ukuba umboleki-mali kufuneka athathe i-asethi yakho ngenxa yokuba uhlahlulule kwiintlawulo zakho, i-asethi iya kuthengiswa rhoqo kwintengiso kwi-biller ephezulu. Kwaye, ukuba intengo yokuthengisa ye-asethi ayikufihla ngokupheleleyo ityala, umboleki-mali unokukuphishekela ngokungafani phakathi kwexabiso lokuthengisa kunye ne-balance balance yakho kwi-matyala aqinisekileyo.
Imboleko yokubolekwa kwemali kunye nemboleko yemoto yimizekelo emibili yamatyala aqinisekileyo. Imboleko yakho yokubolekwa kwemali ekhuselweyo ikhuselekile kwikhaya lakho. Ngokufanayo, umbolekiso wakho wemali ugcinwe yisithuthi sakho. Ukuba uhlambela kule mali yentlawulo yemboleko, umboleki-mboleko angakwazi ukugubungela okanye ukuphinda aphinde ahlawule ipropati. Imboleko yesitifiketi yinto efana nohlobo lwamatyala aqinisekileyo ngenxa yokuba ubophe isithuthi sakho kwityala.
Awunakho ngokupheleleyo i-asethi eboshwe kwiityala ezikhuselekile kude kubekho umboleko ohlawulwe.
Ngelo xesha, unokucela umboleki ukuba akhululwe i-asethi kwaye akunike isihloko esisikhululekile nasiphi na izibambiso.
Iingxowa ezingaphephile
Ngamatyala angakhuselekanga, ababolekisi abanalo amalungelo kunoma yiyiphi inkohlakalo. Ukuba uthe wawa emva kweentlawulo zakho, ngokuqhelekileyo abakwazi ukuthatha nayiphi na impahla yakho kwi-matyala.
Ngelixa bengenakubuyisa ifa lakho njenge-ntlawulo yesikweletu sakho, umboleki-mali angathatha ezinye izenzo ukwenzela ukuba uhlawule oko ufunwa.
Ngokomzekelo, baya kuqesha umqokeleli wetyala ukuba bahlawule ukuhlawula ityala. Ukuba oko akusebenzi, umboleki-mali angakuphikisa kwaye abuze inkundla ukuba ilungise umvuzo wakho , uthathe i-asethi, okanye ifake ikhonkco kwelinye impahla yakho uze uhlawule ityala lakho. Baza kubika kwakhona isimo sokuhlawula kwi -credit bureaus ukwenzela ukuba ibonakaliswe kwingxelo yakho yekhredithi . Ababolekisi bamatyala aqinisekileyo bathatha le nyathelo, nabo.
Inkokhelo yamakhadi eitaliti yona matyala amaninzi anecandelo elingaxhaswanga. Ezinye izikweletu ezingakhuselekanga zibandakanya iimboleko zemali , iimali-mboleko zeminikelo , iibhilidi zonyango , kunye ne-inkxaso encediswa ngabantwana.
Ukubaluleka kweziTyala ezikhuselekileyo nezikhuselekile
Ukuba uxoxelwe ngemali kwaye ujongene nesigqibo esinzima sokuhlawula kuphela ezinye iibill, izikolo-mboleko ezikhuselekile zikhethwa ngokukhethekileyo. Ezi ntlawulo zihlala zikhuni ukufumana kunye kwaye umele ulahlekelwe yimpahla ebalulekileyo - njengendawo yokuhlala - ukuba uswele emva kweentlawulo.
Unokunika ingqwalaselo engaphezulu kwiimali ezingakhuselekanga ukuba wenza iintlawulo ezongezelelweyo ukuhlawula ityala. Amatyala angakhuseliyo ngamanye amaxesha anenzala ephezulu ephezulu eyenza kubiza ukuchitha ixesha elide ukuhlawula. Nangona xa unetyala lokubuyiselwa kwetyala, kubalulekile ukugcina iintlawulo ezincinci kunye neentlawulo kuzo zonke iakhawunti zakho.