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Iindlela ezi-5 ababolekisi bangakwazi ukuguqula imali yakho

Amabhanki angatshintsha imimiselo yakho yemboleko ukuze wenze iintlawulo zifikeleleke. Ezi zinguqu zibizwa ngokuba ziguqulwa ukuhlawulwa kwemboleko, kwaye zinokuba zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihleli. Siza kuxubusha utshintsho oluthile oluya kwenzeka apha. Ukuze uphononongo lwezinto eziguqulwayo, kubandakanywa nendlela yokucela omnye kumbolekisi wakho, jonga Yintoni iNguqulelo yeMboleko?

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Imboleko ingatshintshwa ngeendlela ezininzi.

Injongo ephambili kukukwenza kube lula kuwe ukuba uqhubeke uhlawula kwaye uhlale endlwini (kwaye, ngokubaluleke kakhulu, ugweme ukuvalwa ).

Ezinye zezi zikhetho zibhetele kunabanye - cingisisa malunga naziphi eziza kukunceda kakhulu ukuba uzilungiselele xa uthetha nomboleki wakho. Ababoleki abayi kunika zonke ezi zikhethi, kwaye kufuneka uxoxisane kwaye uqhubeke ucela ukufumana iziphumo ezixhamla phambili (ezifana nokunciphisa inqununu) -kuba ezo zikhetho zifumaneke kuwe.

Iintlawulo zentlawulo: ngezinye iimeko, unokwathila ukunqumla iintlawulo ezimbalwa zeentengo zemboleko, ezinikeza uncedo lwexesha elifutshane kwiingxaki zesikhashana. Ukuba ungaphakathi kwemisebenzi (ngokuqinisekileyo kwintlawulo yokuhlawula) okanye unayo iindleko zezonyango eziza kuhlawula, oku kungenokuba kukho okulungileyo. Kuya kufuneka wenze ezo ntlawulo ngexesha elithile. Umboleki wakho uya kwongeza iintlawulo ezilahleweyo ekupheleni kwemboleko yakho, oko kuthetha ukuba kuya kuthatha iinyanga ezimbalwa ezongezelelweyo ukuhlawula ityala.

Okongeziweyo, uya kuhlawula ngakumbi inzala ngale ndlela.

Ukunciphisa okuphambili: inketho ekhangayo kakhulu kukuba umnini-mboleko wakho unciphise inani lemali-mboleko yakho. Ngendlela elula, uya kuhlawulwa ngaphantsi kwemboleko yakho, kwaye uza kufumana inkokhelo entsha yenyanga ngokuxhomekeke kwisixa sakho semali esincinci. Esi sisombululo asifumaneki ngokukhawuleza (kodwa kuhlala sifanele ukuzama) kuba ababolekisi abanakho okanye abanqweneli ukuxolela amatyala.

Ukuba unelungelo lokufumana le thuba, xubusha impembelelo ngomcebisi weerhafu ngaphambi kokuba uqhubeke phambili.

Ukunciphisa umlinganiselo: ukuba umnini-mboleko wakho unciphisa intlawulo yemali ehlawulwe ( APR ) ngemboleko yakho, iintlawulo zakho zenyanga ziya kuhla. Isaphulelo sezinga lingaba sesikhashana nje, ngoko qi niseka ukuba ufunde iinkcukacha zesivumelwano sakho kwaye uceba phambili.

Ixesha elide: umnini-mboleko wakho unako ukwandisa ixesha lesimboleko okanye inani leminyaka kufuneka uhlawule umboleko. Xa uhlawula ixesha elide, iintlawulo zakho ezantsi ziba. Nangona kunjalo, uya kuhlawula ngakumbi inzala kuba ugcina ityala ixesha elide. Jonga ngezantsi ukuba ufumane iingcebiso zokufumanisa ukuba ungaphila ngokuthe ngqo.

Ukuhlawula imali mboleko: unokukwazi ukutshintsha imali mboleko ngaphandle kwemboleko ehlukile. Ngokomzekelo, uya kuhlawula umboleko okhoyo, kwaye uyitshintshe ngomboleko oza kunye nomyinge omncinci wenzalo kunye nexesha elide lokuhlawula (oko kuya kubangela iintlawulo eziphantsi kweenyanga). Kwakhona, oku kunokukhokelela kwiindleko eziphezulu ngaphezu komdla wemali mboleko, kwaye iindleko zokuvala ukulungiswa kwemali zingabiza.

Ukubona ukuba utshintsho kwinqanaba lomyinge, ixesha, kunye nenani eliyinhloko lichaphazela intlawulo yakho yenyanga, jonga i- Loan Amortization Calculator .