Imigudu yesikweletu isetyenziswe ngabanye, amashishini, oorhulumente kunye neminye imibutho. Naluphi na ukulungelelanisa kubalulekile - ukukwazi ukuboleka ngokukhawuleza imali engaziwayo okanye engalindelekanga-olu hlobo lwemboleko lunokukunceda.
Imigca yesikweletu isebenza njani?
Umgca wekredithi uluhlobo lombolekiso, kodwa luhluke kwizindlu ezisisiseko kunye nemali mboleko. Ukuba uqhelana namakhadi-ngetyala, sele uqonde izinto eziphambili zemigqaliselo yamatyala amaninzi.
Ukuboleka xa kulungelekile: Emva kokuba kuvunywe, unako ukuboleka xa ufunayo, kwaye akudingeki ukuba uthathe imali emva kokuvunywa.
Bhowula kuphela njengoko ufuna: Iimpawu zetyala zinomlinganiselo ophezulu wokuboleka. Ngethuba nje ungakhange ubolekise ubuninzi, ungaqhubeka nokufumana imali - akudingeki ukuba uthathe inani elivunyiweyo elipheleleyo kwisamba esisodwa semali. Ukucinga ukuba umgca wakho wekhredithi uhlala uvulekile, unokuboleka imali encinci namhlanje kwaye uboleke enye inyanga ezayo xa kuyimfuneko.
Dweba kunye nexesha lokubuyiselwa: Ngeentlobo ezininzi zeentengo zemali, kufuneka wenze iintlawulo ezincinane emva kokuba uqale ukuboleka. Kodwa unako ukuboleka kwaye uhlawule ngokuphindaphindiweyo ngelixa "ngexesha lokudweba" (elinokuhlala iminyaka elishumi okanye kunjalo).
Ekugqibeleni, ezinye iindlela zokuthenga ngetyala (ezifana nemigca yokulinganisa ekhaya) zifuna ukuba uyeke ukuboleka kwaye ubuyisele inkokhelo yakho ngeentlawulo eziqhelekileyo zokuhlawula imali eziqhelisa amatyala iminyaka emininzi. Amakhadi eemboleko awakhathathi kunye nexesha lokubuyisela - unokuboleka kwaye uhlawule ngokuqhubekayo.
Imizekelo yeMali yeMigaqo
Kukho iintlobo ezahlukeneyo zemigca yemboleko.
Amakhadi enkokhelo mhlawumbi ngumzekelo oqhelekileyo. Uqala nge-balance balance kwaye uchithe ngekhadi kuphela xa ufuna. Uhlawula umrhumo kwimali oyibolekayo, kwaye unako ukuhlawula umboleko kwaye uqale ukuboleka kwakhona ngenyanga leyo.
Imigca yokulingana kweentengo zemali (ii-HELOC) zivumela abanini bezindlu ukuba bafumane imali ngokusebenzisa ubulungisa emakhaya abo . Ababolekisi ngokuqhelekileyo banciphisa imali enokuyiboleka kuma-80 ekhulwini (okanye ngaphantsi) kwexabiso lekhaya lakho.
Amanqanaba ebhankini yekhredithi anika inkxaso-mali kubasebenzi abancinci. Ngenxa yokuba ishishini ludinga ukutshintsha rhoqo, akunakwenzeka ukufaka isicelo semali mboleko entsha kunye nonke utshintsho lwexesha okanye umthengi omtsha. Umgca wekhredithi wenza ukuboleka kwezinto eziguqukayo kumashishini.
Ezinye iintlobo zemigca yeekhredithi zikhoyo. Naliphi na ixesha ababolekayo bafuna indlela eguquguqukayo yokufikelela kwimali, iibhanki ziyimingeni.
The lekisa kunye neNtlukwano
Qhathanisa umgca wesikweletu kunye nomboleko oqhelekileyo njengemali mboleko yemali okanye mboleko yemali. Ngaloo mboleko, uboleka kuphela-xa ubolekwa ngemali-mboleko - kwaye ufumana yonke imali leyo umbolekisi wakho uvumela ngayo ngaphambili. Akukho khetho yokubuyela kwimali eninzi (uya kufuneka ufake isicelo semali mboleko emitsha, uhlawule iindleko zokuvala , kwaye ulindele ukuvunyelwa).
Iimboleko eziqhelekileyo zivame ukuza neentlawulo zenyanga nganye ezinciphisa ibhalansi yakho ngexesha.
Kulula ukuba wazi kakuhle kangakanani umboleko oza kubakho, inzala eninzi ityala, kwaye xa umboleko kufuneka uhlawulwe. Kodwa iimilo zetyala zivumela ukuboleka ngokuphindaphindiweyo kunye nokuhlawulwa, ngoko ke iintlawulo zentlawulo asebenzi kakuhle (de kube ungena ngexesha lokubuyisela).
Ukusebenzisa umthombo weNgxowa-mali
Iimpawu zetyala zikhangeleka kuba ziguquguqukayo. Akudingeki ukuba ufake isicelo semboleko entsha emva kokuba ufuna imali. Ukuba ulindele ukuboleka amaxesha amaninzi kulo nyaka, umgca wekhredithi unokuba yindlela elula. Ezi mboleko zilungele ukulawulwa kwemali-mali xa iindleko zingenakulinganiswa. Bangakwazi ukuba baqhotyoshelwe ukujonga ii-akhawunti ukukhusela iindleko ze-overdraft .
Indlela yokuchitha: Y ou'll ufumana i-checkbook okanye ikhadi yokukhokha ephuma kwi-pool yakho yemali ekhoyo.
Ukulawula iindleko zenzalo: Iindleko zomdla ziqala ukunyuka xa uqale ukuboleka.
Ezi ziindaba ezilungileyo ukuba awusebenzisi umgca wakho wesikweletu (okanye ukuba uhlawula ityala lakho ngokukhawuleza). Le yinye inzuzo ngaphezu kweemali-mboleko eziqhelekileyo: Unokuhlawula ityala lakho namhlanje kwaye uboleka kwakhona kwiinyanga ezimbalwa xa kufuneka.
Sebenzisa ngokufanelekileyo: Iimpawu zetyala zisetyenziswa ngokufanelekileyo njengemnatha wokhuseleko ukukhusela imiba yokuhamba kwemali - ayisona sixhobo esihle kakhulu sokusetyenziswa kwansuku zonke okanye ukuboleka kwexesha elide. Unokufuneka uhlawule umrhumo rhoqo xa udweba umgca wakho wekhredithi, kwaye unokufumanisa ukuba amazinga omyinge aphezulu kunokuba uya kuhlawula imali ebolekisiweyo (njenge-mortgage ejwayelekile okanye iimali-mboleko zemizi-mboleko).
Indlela Yokufumana Umvuzo Wentengo
Ukufumana umgca wekhredithi, kuya kufuneka usebenzise isicelo, njengokuba ungayifaka isicelo nawuphi na umboleko. Ababolekisi baya kugqiba isigqibo sokuba ngaba okanye bengavumelekanga isicelo sakho (kunye nokuba kungakanani ukunikela) ngokubhekiselele kwiimfuno eziqhelekileyo zokubolekisa:
- Imbali yakho yokuboleka (kubasebenzisi abaninzi, izikolo zakho zetyala )
- Ingeniso yakho iyafumaneka ukubuyisela mboleko
- Naliphi na impahla oyithembisayo
Ubutyebi buyimpahla oyisebenzisayo ukukhusela mboleko . Ukuba uyaphumeleli ukubuyisela imali mboleko ngokwemigqaliselo yakho, umbolekisi angathatha loo asethi, ayithengise, kwaye asebenzise ixabiso lokuthengisa ukuze abuyele imali. Akuqhelekanga ukusebenzisa indlu yakho njengebhondi kwikota yokulingana kwekhredithi .
Ukuboleka kwikhaya kukuvumela ukuba uzuze imigangatho emikhulu yemboleko kwizinga elithandayo. Nangona kunjalo, kukho umngcipheko omkhulu: Unokulahlekelwa yindlu yakho kwi- foreclosure ukuba awukwazi ukwenza iintlawulo.
Abanini-bhishino banokufumana ukuba ababolekisi bafuna ukubambezeleka-ikakhulukazi iimpahla zabo ezifana nekhaya ohlala kuzo - ukufumana imigangatho yezorhwebo. Kungcono ukusebenzisa izinto zezoshishino ezifana nepropati, izixhobo okanye izithuthi, kodwa amashishini amaninzi akanaloo ntlobo yeefa. Funda kabanzi malunga nokwenza nokuphepha iziqinisekiso zakho .
Unokwazi ukusebenzisa imali njengobuncwane endaweni yokubambisa impahla efana nekhaya okanye imoto yakho. Imali kwi-akhawunti yokulondoloza kunye nezatifikethi zokufaka idiphozi (iiCD) zinokukhusela imali mboleko xa uboleka kwibhanki elinye eligcina imali yakho. Uya kuqhubeka ufumana inzala kula ma-akhawunti kwaye, ngokubaluleke ngakumbi, thintela ukubeka indlu yakho kumgca. Oku kunenzuzo ngokukhethekileyo ukuba uza kuba ne-zero-balance balance yexesha elongezelelweyo lexesha, ngoko kusebenza ngokusemgangathweni ukuboleka okungapheliyo. Ukuba uhlawula umdla kumgca wakho wekhredithi, mhlawumbi ukhokhela ngaphezu kokuba uya kuzuza kwi-savings.
Kwakhona kunokwenzeka ukuba ufumane imigqa engalindelekanga yesikweledu (umboleko awukhuselekile xa ungasebenzisi i-collateral). Nangona kunjalo, kunzima ukufumana imvume, kwaye uya kuboleka kwizinga lentlawulo ephezulu kuba ibhanki ithatha umngcipheko omkhulu xa ufumana mboleko engaqinisekisiwe . Kwakhona, amakhadi esikweretyala ngumzekelo weklastiki: Bahlala benamazinga aphakamileyo, kodwa akudingeki ukuba udibanise.
Iimangalelo ezivela kwiLender yakho
Ngelishwa, awukwazi ukuhlala uxhomekeke kumgca wakho wekhredithi ulapho xa ufuna. Amabhanki ngokufanelekileyo agcina ilungelo lokukhansela umgca wakho wekhredithi okanye ukunciphisa umda wakho wokuboleka nganoma naliphi ixesha (kwaye mhlawumbi ngeke kwenzeke xa kulungele wena). Ngenxa yoko, imizila yeebhanki iyingxaki: Ufuna ukuba babe khona "xa kunjalo," kodwa kufuneka ulungele ukuba ibhanki yakho iyakudonsa iplagi ngexesha elibi.
Ukufumana ukhuseleko olungakumbi, kukulungele ukugcina izibonelelo eziphuthumayo ezikhoyo (ukonga imali kwi-akhawunti yebhanki ihlala ihamba ngokukhawuleza). Umgca wakho wekhredithi unokukunceda ukuba ugweme i-crunches ye-cash flow okanye ityala lekhadi lesikweletu, kodwa kufuneka uguqule inkambo ukuba umboleki wakho unquma ukwenza utshintsho.
Omnye umba kunye nemigqaliselo yeebhanki kukuba bahlala benomdla wokutshintsha inzala. Unokucinga ukuba unokuhlawulela ukusebenzisa umgca wekhredithi, kodwa umdla onokuhlawula kwiityala ungatshintsha kwikamva. Ukuba amaxabiso akhuphuka ngokukhawuleza, unokubona ukwanda kwenyuka kweendleko zenzalo , ukwenza ukusetyenziswa kwakho okucwangcisiweyo kweemali kungathandeki.