Ngaba akungekho mthethweni ukufumana "indlela engasetyenziswayo" ngemali?
Ukufumana oko kuvunyelwe, khangela isivumelwano sakho semboleko. Kwezinye iimeko, kukho izithintelo, kodwa ezinye iimboleko zivumela ukuba wenze nantoni na oyifunayo ngemali.
Abanye abantu baze bathathe imali mboleko ngaphandle kwenjongo yokusebenzisa imali ngendlela ibhanki ecinga ngayo. Abaninzi abbolekayo abanesibindi batyala imali, benethemba lokufumana okungaphezulu kunokuba bahlawula inzala (kwaziwa nangokuthi "isasazeka"). Abanye basebenzise imali yokuphila kwansuku zonke: ukuhlawula iindleko, ukuthenga ukutya, njalo njalo.
Imali ngeNjongo ethile
Ngeemali-mboleko, ababolekisi bafuna ukukhawulela ukuba imali isetyenziswa njani. Imirhumo yentlawulo yenzalo ngokuqhelekileyo ithathe ingqalelo kwengozi yokuba umboleki uyalindela ukuthatha, kwaye oko kuxhomekeke kwinxalenye yemboleko. Imali-mboleko yemingcipheko ineemigaqo eyahlukeneyo kwaye iyabiza ngaphezu kweemali ezibolekileyo.
Akunakukwazi ukufumana iimali-mboleko ezithile ngaphandle kokuba imali iya kuthenga ethile.
Imali-mboleko yasekhaya (okanye iimali-mboleko) ngokuqhelekileyo zisetyenziselwa ukuthenga ikhaya okanye ukulungiswa kwemboleko yekhaya ekhoyo . Kungenakwenzeka ukuba ufumane loo mali ngaphandle kokuba ungene kwinkqubo yokuvala ebandakanya ukusetyenziswa kwipropati njengemali yokuboleka imali .
Ngaloo ndlela, ukuba uyeka ukuhlawula, umboleki-mboleko angakwazi ukubeka ingqungquthela kwaye athengise loo propati ukuze abuyele imali.
Kuthekani ngokuthatha imali? Ukuba unemali ebalulekileyo ekhaya lakho , unokuboleka kuyo - kodwa usengozini yokulahlekelwa ikhaya lakho ukuba awukwazi ukuhlawula imali mboleko. Ukuthatha imali ngemali yemali mboleko yekhaya okanye umgca wekhredithi ikuvumela ukuba usebenzise iifizi malunga nantoni na.
Imali- mboleko yemoto efana neentengo zemboleko zokuthenga ekhaya: isithuthi esithenga sona sibeka umbolekiso, ngoko ke umboleki unomngcipheko omncinci. Ngokuqhelekileyo awufumani isihloko esicacileyo kulezo ziganeko - umboleki wakho unelungelo kwisithuthi uze uhlawule umboleko. Oku kwenza kube nzima kuwe ukuthengisa imoto ngemali . Oko kwathiwa, ukubolekisa ngemali mboleko kubonakala kuncinci kuneemali-mboleko zasekhaya, ukuze ababolekisi bangabonakali. Unokwazi ukufumana isheke malunga ne-110% yexabiso leemoto, ubeke enye imali eyongezelelweyo yokubhalisa kunye neendleko ezifanayo.
Imboleko yezifundi zikhohlisayo. Urhulumente uncedisa iindleko zenzalo zemboleko zomfundi ngenxa yokuba uluntu oluthathatyathwa lubhekwa njengotyalo-mali oluhle. Ngaphezu koko, iibhanki zikulungele ukubonelela ngemali mboleko yezikolo kubafundi abadala abaya kubafundi beekholeji baya kuba baninzi amathuba okufumana imali engenayo yokuhlawula imali.
Ngeengxowa-mboleko zabafundi , uqukumbela ngemali eninzi kwi-akhawunti yakho yasebhanki, kwaye akukho mntu ojongayo ukuze abone oko uyenzayo ngemali. Kufuneka uchithe loo mali kwiindleko ezihambelana nemfundo ephakamileyo, kodwa oko kuthetha ukuthini? Imfundo kunye nemirhumo ngokuqinisekileyo iindleko ezamkelekileyo, njengoko irente (kodwa kufuneka urenti indawo ebiza?). Ikhefu okanye iTV entsha ngokuqhelekileyo ayikho iindleko ezivumelekileyo kuba awudingi ezo zinto ukugqiba imfundo yakho.
Imboleko yemicimbi yezo shishino nayo iyakuthi ifike kunye nemimiselo. Umzekelo, iimali-mboleko ze-Small Business Administration (SBA) zingasetyenziselwa ukuqhuba ibhizinisi lakho kuphela. Awukwazi ukuyisebenzisa ukuhlawula amanye amatyala, uthenge into ethembele kwenyuka kwindleko, okanye nayiphi na injongo "engacingwa ukuba yinjongo yoshishino echanekileyo njengoko kuqinisekiswe yi-SBA."
Iimali mboleko zomntu siqu zingasetyenziselwa into eninzi. Awunamathelisi, kwaye awuvumelani ukusebenzisa imali ngenjongo ethile. Ukubolekwa kwemali mboleko kubandakanya amakhadi enkoleko kunye nemali-mboleko evela kwisibhanki sakho okanye umanyano wekhredithi Imali-mboleko evela kubanikezeli be-intanethi kunye nababolekisi beontanga nabo bahlala beboleka imali.
Hlola isivumelwano sakho
Ukuba isivumelwano sakho / isivumelwano sisithi kufuneka usebenzise iimali ngenjongo ethile, uthatha ingozi ngokwenza into ovumelekileyo ukuba ungayenzi .
Ukuba uhluleka ukugcina isigxina sakho semali, umnini-mboleko angakhetha ukuphelisa isivumelwano kwaye ufuna ukuba ubuyisele imali (ngamanye amagama, kufuneka uhlawule ngokukhawuleza imali leyo). Ukubuyisela imali ngokukhawuleza kwaye ngaphandle kweendleko kunokuba ngumngeni. Umzekelo, unokuba uhlawule isohlwayo sokusasazwa kwangoko kwi CD, okanye unokungenakho imali ekhoyo naphi na - okuya kukubangela ukuba ungagqibekanga ngemboleko .
Ngaba akukho mthethweni?
Ngokwenene, ukusebenzisa imali yakho yemali-mboleko "ngezinye iinjongo" kungenzeka ukuba akuvumelekanga. Nangona kunjalo, kukho umngcipheko ukuba umnini-mboleko wakho uzakuthatha inxaxheba ngokusemthethweni malunga nawe (ukuba bafumanisa ukuba usebenzise imali ngendlela eyahlukileyo kwento othembise yona kwaye ungaguqukanga).
Iingxaki
Ukudala ubuchule ngemali yakho mboleko kungabangela iingxaki ezininzi. Okokuqala, unokuzifumana unzulu kwiityala, kwaye uya kufuneka uhlawule loo mboleko ngethuba elithile. Imboleko yemali ingabangela ingxaki. Ezi ngxaki zinzima ukuzisusa - nokuba zifake i-bankruptcy - ngoko ziya kukugubha ngobomi xa ungena phezu kwentloko yakho.
Nangona mboleko yemoto ingabangela ingxaki. Ukuba uboleka kakhulu, uya kufumana ukuba unetyala elingakumbi kwisithuthi kunokuba ufanelekile (kwaziwa nangokuthi uhlaselwa phantsi ). Ngenxa yoko, kuya kuba nzima ukuthengisa isithuthi - kufuneka ubhale isheke ukuze usilahle - okanye uya kuhlala uhlawula ixesha elide emva kokuba imoto ingenanto.
Abanye ababolekisi babeka ubuncinci ubuncinane bemali kwaye bangadinga ukuba uboleke ngaphezu kokufunayo. Ukuba oko kwenzeka kuwe, musa ukuyiphatha imali njengesipho. Sebenzisa ukuhlawula amanye amatyala, okanye ukuthumela loo mali ngqo kumbolekisi wakho (ucinga ukuba akukho ntlawulo yokuhlawulwa kwangaphambili ).