Yintoni eyenzekayo xa u-Default?
Akumangalisi ukuba ukunyaniseka kwemali mboleko kuza nemiphumo.
Ezi zinto zixhomekeka kwiimeko zakho (njengoluhlobo lwemboleko, oluchazwe ngezantsi), kodwa unokuhlala unomonakalo kwi- credit yakho kunye neendleko ezongeziweyo.
Iingxowa neengxaki zomthetho: Ikhredithi yakho iya kuba neengxaki xa ungaphumeleli ukwenza iintlawulo zakho ezifunekayo. Kwiintsuku ezingama-30 zokuqala emva kokuhlawulwa kwentlawulo, mhlawumbi ucacile. Emva koko, iingxelo zabathengi zihlawulwe iintlawulo kwiingxowa-mali zemali- mboleko , okubangelwa amanqaku aphantsi ematyala . Amanqaku amancinci enza kube nzima ukufumana iimboleko kwixesha elizayo, kwaye izikolo ezincinci zamatyala zingachaphazela ezinye iinkalo zobomi bakho. Umzekelo, unokuba nexesha elinzima ukuqasha, ukufumana umsebenzi, ukufumana iinkonzo kunye nenkonzo yefowuni yeselula, nokuthenga i-inshurensi .
Ekugqibeleni, amatyala angahlawulwa angathunyelwa kwi-arhente yokuqokelela. Amaqoqo awonakalisa i-credit yakho, anokukhokelela kwizigwebo zomthetho malunga nawe, kwaye unokubiza. Njengoko izinto ziqhubela phambili, ababolekisi bangakwazi ukuhlaziya umvuzo wakho okanye bathathe impahla kwi-akhawunti yakho yasebhanki .
Iindleko eziphezulu: Ukwenza izinto zibe zibi nakakhulu, umthwalo wakho wezezimali uza kukhula xa ungekho phantsi kwemboleko. Imirhumo yokuhlawula ixesha elide, izigwebo kunye neendleko zomthetho zingenakongezwa kwiakhawunti yakho, ukwandisa ibhalansi epheleleyo.
Iintlobo Zemivuzo
Ngokuxhomekeke kuhlobo lomboleko osilelayo, izinto ezahlukeneyo zenzeke.
- Iimali-mboleko ezikhuselekileyo: Ukuba umboleko ugcinwe ngokubambisa njengekhaya okanye imoto yakho, umbolekisi unakho ukuthatha loo propati kwaye uyithengise.
- Imboleko mboleko: Kwiimali- mboleko ezingenakuthengwa (ezingenakho ukuxhaswa), ababolekisi banokulimaza kuphela i-credit yakho kwaye bazame ukuqokelela ngokuthatha isenzo somthetho.
Imbolekiso yasekhaya: Ukuba uthenge okanye uhlaziywe ikhaya lakho ngemali-mboleko (okanye ubolekwe kuyo kunye nomgca we-credit equity loan ) okanye umboleko wesibini ), umbolekisi wakho unokukwazi ukukunyanzela ngokukhusela nokuthengisa indlu yakho ukuqokelela imali . Ukuba ukuthengiswa akukufihla yonke imali enayo, unokwenza ulungelelanisa umahluko okanye " ukusilela ," kuxhomekeka kwimithetho kaRhulumente.
Imoto: Imali-mboleko yemoto iyafana. Ukuba ungagqibekanga kwimboleko yemoto, isithuthi sinokuphinda sithengiswe kwaye sithengiswe . Kwakhona, unakho ukuhlawulwa nayiphi na ilahleko ukuba imoto ithengisa ngaphantsi kunokuba unetyala (oko kwenzeka ngenxa yokunciphisa ngokukhawuleza , okanye ukuba mhlawumbi uye wahlawula umboleko ). Ukubuyiswa kwemali kunokwenzeka kwimali-mboleko yasekuqaleni oyisebenzisayo ukuthenga isithuthi, kwaye nayiphina imboleko yemali oyithathileyo.
Imali mboleko yabafundi: Iimali-mboleko zabafundi zivumela ukuba uhlawule usebenzisa iindlela ezahlukeneyo kwaye mhlawumbi uhlawule (okanye " ukuchasa ") iintlawulo xa uwela kumaxesha amanzima-kodwa ulahlekelwa yiyo ndlela xa ungekho phantsi kwemali-mboleko yomfundi.
Kwakhona, iimali-mboleko zabafundi ziyazibona kunzima ukulahla kwi-bankruptcy. Imali-mboleko ye-Federal student ibolekisa -inobungane , kodwa ukuba ungekho phantsi kwezi mboleko:
- I-IRS inokubamba ukubuyisela imali yokubuyiselwa kwentela ukuhlawula ityala.
- ISebe lezeMfundo linokuyilungisa umvuzo wakho lula .
- Unokufumana iintlawulo ezisezantsi zeNtlalo.
Amakhadi okuthenga ngetyala: Ukungahlawulwanga ngemboleko yemakhadi yesikweleti mhlawumbi kungabikho buhlungu obungenakubuhlungu, kodwa i-credit yakho iya kuhlupheka kwaye i-akhawunti yakho iya kuthunyelwa kwiiqoqo. Lindela ukufumana iimali ezongeziweyo kwi-matyala akho, kwaye i-arhente yokuqokelela iza kwenza iifowuni ezingapheliyo kunye nezinye iinzame zokuqokelela.
Ezinye iindlela zokuphepha: Ukuphepha okungafaniyo
Ukubonelelwa ngemiphumo, kuyona nto ingcono ukuphepha ukungafihli. Ukwenza oko kugcina ikhetho zakho zivulekile-unako ukuhlala ungagqibekanga kamva, kodwa kunzima ukuhlambulula izinto emva kokuba uwele umnqamlezo.
Unxibelelwano lubalulekile xa uqhuba ingxaki yemali. Vumela umnini-mboleko wakho ukuba wazi ukuba unzima ukuhlawula. Ukusuka kumbono wakho wokubolekisa, ukusilela kungakhangela enye yeendlela ezimbini:
- Umboleki wakho ufumana iintloko kwaye unethuba lokuba (mhlawumbi) asebenze isisombululo nawe.
- Umboleki-mboleko ubona ukuba uyeke ukuyeka ukuhlawula, ngoko baqala ukwenza imizamo yokuqokelela.
Inketho yokuqala mhlawumbi ibhetele kubo bonke abachaphazelekayo.
Ukuba usebenza naluphi na uhlobo "lwamalungiselelo," uxwebhu loqhagamshelwano lonke, kwaye ufumane izivumelwano ngokubhaliweyo ngaphambi kokuthatha isenzo. Unokufuneka unikele ngolwazi lomntu siqu njengemali engenayo yenyanga kunye neendleko, kodwa nayiphi na inkqubo yenkqubo yoncedo ifuna ezo nkcukacha.
Iimboleko zemali zineendlela ezifanelekileyo zokunceda , kuquka:
- I nkcazo
- Ukunyamezela
- Intlawulo-based based
- Amanye amalungiselelo enza kube lula ukuhlawula
Indlela yodwa yokwazi ukuba zeziphi iindlela ozikhethayo kukuthetha nomboleki wakho. Ngemboleko yemali, imali yakho mboleko ayikho emva kweentsuku ezingama-270. Xhagamshelana nomboleki wakho ngokukhawuleza ukuze ukwazi ukufumana yonke into ehlanganiswe kakuhle phambi kwayo nayiphi na ixesha elide.
Imali-mboleko yasekhaya ingabangela ukunyanzelisa imithwalo yematyala, kwaye kukho iindlela ezininzi zokujongana naloo matyala.
- Ukuguqulwa kwemali kunokunika uncedo kwaye kukuvumela ukuba ugcine imali yakho ekhoyo.
- Zininzi iinkqubo zikaRhulumente ezikhoyo ukunceda abanini bezindlu abanenkathazo.
- Ukuxhaswa kwemali kunokuncedisa ukunciphisa iintlawulo zakho zenyanga, kodwa kuya kufuneka ufanele ukufumana imali mboleko (iinkqubo zorhulumente zinokukunceda ukuba sele unengxaki).
Ukufumana ityala ngokubanzi , kunokunceda ukuthetha nomcebisi wezikweletu ezilayisenisi onokukunceda ukuba uhlalutye isikhundla sakho semali, kwaye ngubani na onokumisela isicwangciso solawulo lwetyala (ukuba kufanelekile kwimeko yakho).