Ukuba ukuthenga ikhaya kuphila iphupha, ukuhlawula imali mboleko yakho kwangethuba kunokubonakala ngathi yingqondo yenqanaba elilandelayo. Khawufane ucinge nje ukuba buya kuba njani ubomi ngaphandle kokubambisa ngaphezulu kwentlawulo yenyanga yempahla. Imali engakumbi yotyalo-mali! Ukugcina umhlalaphantsi! Uphuculo lwasekhaya! Izibophelelo zesilikhi zenja yakho!
Kodwa ngaba ukuhlawula imali mboleko yakho ngokukhawuleza kunokuba kufuneka inyathelo elifanelekileyo lezemali? Ngelixa kungekho bungakanani bunye obulungele yonke impendulo, iingcali zezezimali zithi ayisoloko isisigqibo sobulumko. Kwaye, unokumangaliswa ukuba indlela ohlawula ngayo kwangoko inokuchaphazela amanqaku akho etyala.
Nantsi into ekufuneka uyiqwalasele ukuba ukwimeko apho unokuthi uhlawule ityala lakho lobambiso ngaphambi kwexesha eli-15 leminyaka okanye iithayimthebhile zeminyaka engama-30:
Ihlawulwa njani imali mboleko kwangaphambi kwexesha kwetyala lakho?
Okumangalisa kukuba, kukho izinto ezithile zemali, ewe, ezifuna uqeqesho oluninzi, kodwa ukuba amanqaku akho etyala awazuzisi-kwaye ezi zenzo zinokudala ukwehla kwethutyana kumanqaku akho. Umzekelo, ukuhlawula eyakho mboleko zabafundi kunokubangela ukuba amanqaku akho etyala atshone. Amanqaku akho anokuwa kancinci emva kokuba uthathe imali mboleko. (Akunabulungisa, siyazi).
Ukuhlawula ityala lakho lobambiso ngexesha inyanga nenyanga kunceda wena ukuba wakhe kwaye ugcine amanqaku amatyala asempilweni njengoko Imbali yentlawulo yenza iipesenti ezingama-35 zamanqaku akho etyala. Ke, kubonakala ngathi inomdla ukuba ukuyihlawula kwangoko kuya kuvuzwa ngokwenyusa amanqaku ekhredithi. Kodwa, oko akunjalo ngokwenene.
Ngapha koko, ukuvala i-akhawunti yakho yobambiso ayizukulimaza-okanye kukunceda-amanqaku akho etyala konke oko, iingcali zithi.
Xa uhlawula ityala lakho lobambiso kusenokwenzeka ukuba amanqaku akho etyala akazukunyuka, kodwa awuyi kubona ukwehla okuphawulekayo kumanqaku amanqaku ngetyala nokuba ngaphandle kokuba imali-mboleko yakho ibikukuphela kwetyala lakho, kwaye kuloo meko unokubona ukwehla okuncinci amanqaku akho etyala, ucacisa uLaura Brandao, ilungu le Umbutho weeNgcali eziMeleyo zokuBambisa ngempahla kunye nomongameli Izibonelelo zeMali zaseMelika , inkampani yokubambisa.
Ukuqonda ngcono oku, yazi ukuba eyakho Umxube wekhredithi yenza iipesenti ezili-10 zamanqaku akho etyala kwimodeli ethandwayo yokufumana amanqaku kwi-FICO. (Umxube wekhredithi uthetha ukuba unemali-mboleko yezavenge njengokubambisa okanye ukuhlawula imoto ohlawula inyanga nenyanga kunye neeakhawunti ezijikelezayo ezinje ngamakhadi etyala). Ke, ukuba une-akhawunti yekhredithi ejikelezayo kuphela exeliweyo kwiziko lamatyala, inokuchaphazela olu didi lokudibanisa ityala lakho.
Iindaba ezimnandi, phofu? Ukuba ubusenza intlawulo ngexesha-mali ngalo lonke ixesha lokuphila kwemali mboleko yakho, imali mboleko yakho ibifanele ukuba yayakha ikhredithi yakho, ngokuqinisekileyo inegalelo kumanqaku akho, uyachaza uSean Messier, umhlalutyi weshishini letyala kunye Ikhadi letyala ngaphakathi , indawo yabathengi yemali kunye nekhadi lokuthenga ngetyala.
Ukuba uhlawula ityala lakho lobambiso kwangoko kwaye inqaku lakho lifakile kancinane, kuya kufuneka ulibone liphinda libuyela emva kweenyanga ezimbalwa, ngokwe Amava , Elinye lawona maziko mathathu aphambili okuthenga ngetyala.
Yintoni enye ekufuneka uyiqwalasele xa ucinga ngokuhlawula imali mboleko yakho kwangethuba
Ke, ifuthe lokuhlawula imali mboleko yakho kwangethuba ubukhulu becala alithathi cala xa kufikwa kumanqaku akho etyala. Nantsi enye into ethethwa ziingcali kufuneka zibephambili kwengqondo xa uhlawula imali mboleko yakho:
Zeziphi ezinye iintlobo zetyala onazo?
Ukuba unamakhadi etyala anenzala ephezulu okanye iimali mboleko zemoto, umzekelo, akufuneki uhlawule imali yakho yobambiso kuqala, utsho uBrandao. Kuya kufuneka usebenze ekupheliseni inzala ephezulu, ityala elifutshane kuqala, utshilo.
Ngaba uza kuluhlawula njani ubolekiso lwakho lobambiso?
Lumka xa uhlawula imali mboleko yakho kwangaphambi kwexesha kuthetha ukuba uya kuba uhambisa imali kude lee-akhawunti yolondolozo olunokufumana ngaphezulu ekuhambeni kwexesha, uxwayisa uMessier.
Ziya kujongeka njani iimali ozigcinileyo?
Ukuba ucwangcisa ukuhlawula ubambiso lwakho, ufuna ukuqiniseka ukuba ubuncinci iinyanga ezintathu ukuya kwezintandathu zeendleko kulondolozo lwamanzi ukuba kunokwenzeka imeko engalindelekanga, utsho. UGlen Meade , umqeqeshi wezemali kunye nengcali yangaphambili yerhafu. Kwakhona, uMeade uthi, kuya kufuneka uqiniseke ukuba ungayihlawula imali mboleko yakho ngaphandle kokuboleka okanye ukuthatha ulwabiwo kwizicwangciso zomhlala phantsi ezikhuselweyo zerhafu.
Ke, amanqaku akho etyala anokungakuniki i-pat ngasemva obuyikhangela ukuba uhlawula imali mboleko yakho kwangethuba. Kodwa, ungagcina amawaka eerandi ngomdla kwaye uzikhulule kwinto enokuba lelona tyala lakho likhulu, elivakala kamnandi.
