Utyalo-mali lumalunga nokuyeka kancinci ngoku ukuze ufumane okuninzi kamva. Ukuba uhlala unikela ngesixa semali esithile kwinto kwithuba elide ngokwaneleyo, unokulindela ukubona utyalo-mali lwakho lukhula luye kubungakanani obunomtsalane.
Kodwa xa kuziwa kutyalo-mali kwiarhente yokuthengisa izindlu nomhlaba, kulindeleke ukuba unikezele ngaphezulu kokuncinci ukuze uqalise, nto leyo enokoyikisa abatyali mali abatsha. Kunzima ukuza nenkxaso mali yokuqala (intlawulo ephantsi), kwaye ukwenza isixa esikhulu kangaka kwipropathi kunokuba yingozi ukuba utyalomali alusebenzi.
Kulapho ukucocwa kwemali kuvela ngokufanelekileyo. Nantsi into ekufuneka uyazi malunga nokuthenga enye ukuthenga enye ipropathi ukuba sele ungumninindlu.
Ithetha ntoni i-333 kumanani eengelosi
Uyisebenzisa njani imali ephuma nekheshi ukuthenga indlu
Ukucocwa kwakhona kwemali kuxa wena lungisa imali yakho yobambiso ngemali mboleko entsha engaphezulu kwebhalansi yemali mboleko yakho yangoku. Unokugqiba kuphela ukucocwa kwemali ukuba ixabiso langoku lekhaya lakho likhulu kakhulu kunebhalansi eseleyo kwimali mboleko yakho. Umzekelo, ungangumgqatswa olungileyo wokuhlawulwa kwemali ukuba ikhaya lakho lixabisa i-300,000 yeedola kwaye ibhalansi yemali-mboleko eseleyo iyi- $ 100,000.
Ababolekisi baya kukuvumela ukuba urhoxe ukuya kuthi ga kwiipesenti ezingama-80 zexabiso langoku lekhaya, thabatha ibhalansi eseleyo. Kulo mzekelo, unokufumana ukuya kuthi ga kwi-140,000 yeedola xa ugqibezela ukuchuma kwemali.
Unokusebenzisa i-140,000 yeedola njengentlawulo ephantsi kwipropathi yakho elandelayo. Njengokubolekwa kwemali mboleko rhoqo, kusafuneka ukulungele ukufumana imali yokuphuma. Ababolekisi bahlala befuna amanqaku ekhredithi angama-620 okanye ngaphezulu kunye nenqanaba lokufumana umvuzo (DTI) umyinge wama-50 epesenti okanye ngaphantsi.
ukubona 11:11
Ukuba ucwangcisa ukusebenzisa ingeniso evela kwintlawulo yokuphuma kwemali ukuthenga ipropathi yotyalo mali, kuyakufuneka ubeke phantsi phakathi kweepesenti ezili-15 ukuya kuma-25 epesenti. Ukuba uthenga indawo yokuhlala ephambili, intlawulo encinci yamkelekile. Ababoleki abakhathali nokuba usebenzisa imali evela kwintlawulo yemali ngenxa yentlawulo ephantsi.
Yintoni ekufuneka uyazi malunga nokuphuma kwemali ezinkozo
Xa ufaka isicelo sokuhlawulwa kwemali ezinkozo, unokukhetha phakathi kwereyithi emiselweyo okanye yemali mboleko yexabiso eliguqukayo. Le yokugqibela iya kuthetha ukuba iintlawulo zinokunyuka ukuba izinga lenzala liyenyuka.
Xa ugqibezela ukuhlawula ngokuphuma kwemali, inzala yemali mboleko entsha inokuba phezulu kunenzala yakho yoqobo. Oku kuthetha ukuba unokugqibela ngokuhlawula inzala ngakumbi kubomi bemali mboleko. Ngaphambi kokuthatha imali kwakhona, yenza izibalo kwaye ufumanise ukuba ukuthenga enye ipropathi kuyakwenza nayiphi na inzala ongayihlawula. Kwaye gcinani engqondweni ukuba ngokukhetha ukuphinda nenze imali-mali, nandisa ixesha lokuhlawulwa kwetyala eninalo-iminyaka emininzi ezayo. Akusiyo isigqibo esifanelekileyo kumntu wonke.
Njengalo naluphi na olunye uhlobo lwemali mboleko yokuhlawulwa kwemali kwakhona, kuya kufuneka uhlawule iindleko zokuvala, ezisusela kwiipesenti ezi-2 ukuya kwiipesenti ezintlanu zempahla entsha yobambiso. Oku kuya kuncitshiswa kwintlawulo yekheshi, njengoko kungekho ndlela yokuyiqengqeleka kwimali mboleko. Kwaye njengokuhlaziywa rhoqo, qiniseka ukufumana esona sipho silungileyo kunye nokufaka isicelo kubabolekisi abambalwa abohlukeneyo. Khangela umbolekisi ngeendleko zokuvala ezisezantsi-abanye banokubonelela ngesaphulelo.
Ezinye iindlela zokuphuma kwemali ezinkozo
Endaweni yokugqibezela ukucoca ngokuphuma kwemali, unokuthatha kwakhona imali mboleko yendlu ngokuchasene nendlu yakho .
Imali mboleko yokuthenga izindlu ayinazo iindleko zokuvala, kwaye isenokungabizi mali ingako kunemali oyikhuphileyo ukuba imali mboleko yakho yangoku inenzala ephantsi kunaleyo unokuyifumana ngoku. Ukuba awudingi ukukhupha isixa esikhulu semali, emva koko imali mboleko yokulingana ekhaya inokuba yeyona ndlela ilungileyo.
lithetha ntoni 10 10
