Ungayithenga indlu kunye ne-Mortgate Ukuba Unomalimboleko Wemali Yomfundi?

Sebenzisa ezi ndlela ezili-10 ukukhulisa amathuba akho okufaneleka

Akungathandabuzeki ngalokhu: Ukuba netyala lomfundi lingabangela iingxaki kuwe ukuba ufuna ukuthenga ikhaya elifuna imali. Olunye uphando lubonise ukuba i-75% yabafundi abaqeshwe kwiikholeji abaneemali-mboleko zabathengi bathi ukuhlawulwa kwemali-mboleko kubathintele ekuthengeni indlu okanye imoto.

Izigidi zabantu abaphumelele kwiikholeji baxakeka phantsi komthwalo onjalo wemali mboleko yomfundi kunye netyala lekhadi lesikweletu, ukuba iphupha lobunikazi bezindlu lingabonakala liphela ngokupheleleyo.

Kodwa akunakwenzeka. Iingcebiso kweli nqaku zinokukunceda ukuba uthenge indlu, nangona ityala lomboleko.

Indlela yokufumana imali yokubolekwa ngemali xa unemali-mboleko yomfundi

Nazi izicwangciso ezili-10 ongazisebenzisa ukukunceda ukufumana imali yokuthenga imali, nokuba ngaba unetyala lokubolekisa ngemali:

1. Ukuba unayo i-$ 10,000 okanye ngaphezulu kwimali-mboleko yomfundi , unokukwazi ukudibanisa kwisilinganiso esezantsi ukunciphisa iintlawulo zakho kwaye usebenzise ukugcina ukuhlawula inkokhelo kwindlu.
2. Zibekele iinjongo zemali, eziza kunceda ugxininise emfanekisweni omkhulu kwaye unqabe ukuchitha imali okungadingekile.
3. Gwema ityala lekhadi lesikweletu . Yiba nomnye okanye makhadi a makhulu akhredithi kwaye uhlawule umlinganiselo kwiinyanga zonke. Ukuba kufuneka uthwale izilinganiso zekhadi lesikweletu , zidlulisele kumakhadi kunye namazinga aphantsi xa kunokwenzeka.
4. Qala irekhodi yokuhlawula iibhokhwe zakho ngexesha ukwenzela ukuba ungalonakalisi amanqaku akho ekhredithi , eyona nto ibalulekileyo ekufumaneni ixabiso elifanelekileyo kwiimali-mboleko, imboleko yemoto kunye nezinye iimali-mboleko.

1. Hlola ingxelo yengxelo yakho yekhredithi ngonyaka malunga naluphi na ukungachani kwaye uyisombulule ukuba kukho na. Ukuba uceba ukuthenga ikhaya, qalisa ukuphonononga umlinganiselo wakho wekredithi ubuncinane kwiinyanga ezintandathu ngaphambi kokuba uqale ukuzingela indlu, kwaye uthathe amanyathelo okuphucula amanqaku akho.
2. Gwema ukuthabatha nayiphi na imali mboleko okanye ufake isicelo kumakhadi amatyala amatsha kwiinyanga phambi kokuba uqale ukukhangela indlu.

1. Ukuhlawula ityala elikhulu njengoko unakho ngaphambi kokuba uqale ukuzingela indlu, okuya kukukunceda ukuba ufanele ukufumana imali.
2. Lungiselela uhlahlo lwabiwo-mali kwaye qinisekisa ukuba unokusingatha ngokuqinisekileyo iintlawulo zokubolekwa kwemali phezu kweminye ityala lakho.
3. Londoloza yonke imali "efunyenweyo": ukubuyiselwa kwentlawulo yengeniso , ibhonasi, ukuhlawula ixesha elingaphezu kwexesha, kunye nezipho zemali, ukuya kwiindleko zakho zokuhlawula okanye zokuvala .
4. Cinga imoto engabizi kwaye usebenzise umahluko kwiintlawulo zokuhlawula phantsi kwetyala lekhadi lesikweletu okanye ukugcina ukuhlawula kwakho.

Yintoni ababolekisi abafuna ukuyibona

Ababoleki baxwayisa ukuba iintlawulo zemboleko zomfundi ezidlulileyo kwi-8% yengeniso yakho ziqwalaselwa njengento engenakulinganiswa. Uninzi lwabafundi alukwazi ukubala ukuba zeziphi iintlawulo zabo zenyanga xa ziboleka imali yemali-mboleko yomfundi , oko kuthetha ukuba bayothuka xa kufuneka baqale ukuhlawula.

Ukugcina iintlawulo zakho kwi-8% yengeniso yakho zingabonakala zingenakwenzeka, kodwa i-8% kufuneka ibe yonke ingxowa yakho engekho-mboleko ukuze ufumane iintlawulo zakho kakuhle.

Ngomntu owenza i-$ 40,000 ngonyaka, oku kuya kuba malunga ne-$ 275 ngenyanga (kwiintlawulo zemboleko zabafundi, iintlawulo zemboleko yemoto kunye neentlawulo zekhadi zekhredithi ezidibeneyo), ngexabiso lentengo ephantsi. Ukuba ixabiso lentengo likhuphuka, kuya kubakho ukuhlawulwa kwemali mboleko yenyanga yenyanga.

Ukubethelwa ngokugqithiseleyo ukuhlawula iidola kwiintlawulo zakho zenyanga naliphi na unako.

Ukuba usesikolweni, funda oku

Ukucwangciswa kwangaphambili, ukusetyenziswa kakuhle, kunye nokufumana imali eninzi njengoko kunokwenzeka esikolweni kunokunciphisa umthwalo wembuyekezo yokubolekwa kwemboleko .

Qaphela ukuba uyisebenzisa njani imali yakho yomboleko. Isifundo, igumbi kunye nebhodi, kunye neencwadi zezifundo zindlela ezifanelekileyo zokuchitha imali yakho. Ukutya ngaphandle, ukuthenga umculo kunye neengubo, ukuya ekuphumeni kwentwasahlobo, okanye ngokubhaliweyo kubhalisa ubomi bakho kwintlalo, akuzona iindlela ezilungileyo zokuchitha imali leyo.

Nangona ungayisebenzisi imali ngokufanelekileyo yemali mboleko yemfundi ngeminqophiso engeyiyo yemfundo, ukuchitha yonke imali yakho kwizinto ezongeziweyo kuthetha ukuba unemali encinci yemfundo yakho (kwaye mhlawumbi unokufuna ukuboleka ngaphezulu).

Awudingi ukuba uphile njengomntu osweleyo (oko akumnandi kumntu), kodwa zama ukukhumbula ukuba yonke idola oyilondolozayo (njengokuba ungayisebenzisi) idola elingaphantsi, kunye nomdla, funeka uboleke.

Khumbula ukuba iimali-mboleko zabafundi ziya kuthatha iminyaka eyi-10 ukuya kwe-20 ukuhlawula, oku kuthetha ukuba uya kuba (ngokungqalileyo) ukuhlawula loo "minyelelo" encinane kwiminyaka elishumi okanye ezayo.

Uncedo lwezezimali , imisebenzi yeholide, imisebenzi yexeshana ngexesha lonyaka wesikolo, ukubolekwa kwemali-mboleko kunye nokuhlawula imali kunye nokuchitha imali kunokunciphisa kakhulu, kunye nabanye abantu, ukuphelisa, iimfuno zemali-mboleko yabafundi .