Xa ababoleki befuna ukuba udilize izihloko
Kutheni ababolekisi batyala iintlawulo zokuhlawula kuqala?
Ezinye iingxowa-mali zenzelwe ukugcina inani elithile leminyaka (njengama- mortgages aneminyaka engama-30 okanye imali-mboleko yeminyaka emihlanu). Ukuba uhlawula umboleko kwangoko kusenokwenzeka ukuba uhlawule isohlwayo xa isohlwayo siyingxenye yesivumelwano sakho semali mboleko. Oko kuthetha ukuba ufanele ufunde ukushicilelwa okulungileyo kuyo nayiphina isivumelwano esibolekisiweyo.
Izigwebo zokuhlawulwa kwangaphambili zisekelwe ngokuthe ngqo okanye ngokungathanga ngqo kwi- balance balance loan yakho . Ukuba sele ubenomalimboleko wakho kwaye ungaphantsi kwakho, injelo yakho iya kuba. Ngoko ke, ukuba uhlawula imali mboleko kwiinyanga ezimbalwa ekuqaleni, kungekudala kwiminyaka embalwa, awuyi kuhlawula umrhumo omkhulu, ngokuqhelekileyo uthetha.
Ngaba Zonke iiNgxowa ziza ngezohlwayo zokuhlawulwa kwangaphambili?
Imali ayikho ngaso sonke isikhathi iza neentlawulo zokuhlawulwa kwangaphambili. Enyanisweni, bafumana ngaphantsi nangaphantsi (abakho mthethweni kwamanye amazwe kwiintlobo ezithile zemali-mboleko). Nangona kunjalo, zikhona, kwaye ziyiyo ingcinga efanelekileyo kubaboleki abathile.
Izigwebo zokuhlawulwa kwangaphambili, kunye nazo zonke ezinye izibonelelo kwisivumelwano sakho semali mboleko, ziza ne-tradeoffs. Uhlawuliswa ngokuhlawula imali yakho mboleko kwangaphambili, kodwa uyifumana ntoni? Kwiimeko ezininzi, ukwamkela isibonelelo sohlwayo kukuvumela ukuba ufumane inzala engaphantsi kwemali mboleko. Kwezinye iimeko, awuyi kuvunyelwa ngemboleko ngaphandle kokuba ifike ngehlwayo sokuhlawulwa kwangaphambili.
Ukuhlawulwa kwangaphambili kweNkundla?
Gcina ukhumbule ukuba iintlobo ezithile zokuhlawulwa kwangaphambili zenze ihlawulo. Ngokuxhomekeke kwimimiselo yesivumelwano sakho, unokuvunyelwa ukuba uhlawule isahlulo sakho semboleko ngeminyaka yonke - kungekhona yonke into.
Ukongezelela, unokuvunyelwa ukuba uhlawule ngokutsha njengemiphumo yokuthengisa, kodwa ukuhlawulwa kwangaphambili ngenxa ye- refinancing kuza kubangela ihlwayo. Ngokukodwa, umboleki wakho uzama ukugcina ishishini lakho; abafuni ukuba ugxume umkhombe ukuba ufumana imali engcono kwenye indawo.
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Ukuba uthengisa iimboleko kwaye awufuni ukuhlawulwa kwangaphambili, qhubeka ukhangele. Ababoleki abahlukeneyo baya kufumana iimfuno zabo ngokungafaniyo. Unokufuneka uhlawule umyinge ophezulu, oko kuthetha ukuba iintlawulo zakho zenyanga ziza kuphakama, kodwa uya kukwazi ukuphuma kwimboleko ngaliphi na ixesha. Kwakhona, cinga ngohlobo lwee-tradeoffs: ngamanye amaxesha kubiza imali ukuguquguquka, kwaye ngamanye amaxesha kuyafaneleka.
Ukuba uzama ukuphuma kwimboleko ngemali yokuhlawulwa kwangaphambili, sebenzisa ezinye iinombolo. Mbonise ukuba ixabiso eliya kuhlawulwa liza kuhlawulelwa njani xa lifaniswa nokulondolozwa kwakho ngemali mboleko entsha. Qinisekisa ukuqwalasela ixabiso lentengo-kungekhona nje inkokhelo yakho yenyanga. Sebenzisa i- calculator yokwenza imali yemali-mboleko ukuze ubone indlela umboleko ngamnye oqoke ngayo.