Amatyala omthengi anokuvumela ukuba uhlawule amatyala esibhedlele, ukulungiswa kwemoto okungalindelekanga, kunye nokulungiswa kwekhaya. Izixa-mali zinokwahluka ukusuka kwi-$1000 ukuya kwi-$50,000 ngokuxhomekeke kubabolekisi, kwaye abantu abanamaxabiso abalaseleyo etyala banokufumanisa ukuba banokufumana isixa esikhulu semali ngenzala ephantsi.
Ukuba ujonge ukuboleka imali, unokufuna ukubona ukuba ufanelekile na kwasekuqaleni. Amanqaku aphakamileyo etyala aya kukwenza ukuba ufaneleke ukufumana izibonelelo ezininzi, kwaye unokufumana imali mboleko yekhaya lakho lamaphupha. Iinketho zakho zinokwahluka ngokusekelwe kwiimfuno, iziqinisekiso, ii-asethi onazo ngoku, kunye nemeko yakho yemali iyonke. Nazi ezinye izinto onokuzifumana ziluncedo.
Izixa-mali eziphezulu zeedola ezivela kubanini-mali
Abantu banokumangaliswa xa befumana ii-imeyile zonikezelo oluvunywe kwangaphambili nokuba abasifakanga isicelo semali mboleko. Iibhanki zabo zisenokubaxelela ukuba ikhadi letyala lisendleleni, okanye banokuthenga iifowuni zamva nje, izinto ezincedisayo, nezinye iimveliso ngaphandle kwenzala.
Xa ujonge ukuboleka isixa esikhulu semali, into yokuqala ekufuneka uyiqwalasele lizinga lenzala. Yile ndlela uninzi lwabaxhasi bezimali abanokufumana ngayo kwaye bahlawule iindleko zabo zokusebenza. Njengomthengi, injongo kukuthelekisa iipakethe ezininzi kwaye ubone ukuba yeyiphi eya kwenza eyona ngqiqo.
Amatyala amaninzi anokuba luKhetho
Ukufaka isicelo kubabolekisi abaninzi kunokukunceda ufumane loo ntengo ibiza kakhulu oyifunayo. Nangona kunjalo, kukho iingxaki ezininzi xa ukhetha olu khetho. Okokuqala, imali mboleko enkulu ekhoyo iya kuvela kwingxelo yakho yetyala, kwaye kunokuba nzima ukufaneleka kweyesibini. Enye yezona ndlela zilungileyo yimali mboleko ebiza kancinci okanye engabizi ekuvumela ukuba uboleke i-$10,000 okanye ngaphezulu ukuba ufuna imali. Ngale ndlela, uya kuhlawula umxhasi omnye kuphela kwaye ungakhathazeki ngezinye.
Zeziphi ezinye iindlela ezizezinye?
Abaxhasi bezimali bakhona yonke indawo namhlanje, kwaye uneemali-mboleko ezahlukeneyo zabathengi ezilindele ukuhlawulwa kwiakhawunti yakho yebhanki oyikhethileyo. Kufuneka uqonde imigaqo, njengexesha elifunekayo ukuhlawula oko ukubolekileyo ngokupheleleyo kwaye ukuba kukho izohlwayo zokuhlawula kwangaphambili. Inkxaso-mali inokuba yinkqubo emfutshane okanye yexesha elide, kwaye kuxhomekeke kuwe ngokupheleleyo ukuba loluphi ukhetho oluya kuba nengqiqo.
Abo baceba umtshato basenokukhetha ukufumana inkxaso-mali yexesha elide eya kubenza bakwazi ukubuyisela imali abayityalayo, yaye abo basandul’ ukutshata abayi kubotshelelwa kakhulu yimali xa beqalisa ubomi babo kunye. Izinga lenzala liphezulu xa kuthatha iminyaka eliqela ukuhlawula ityala ngokupheleleyo, kwaye kule meko yangoku, kungcono ukuba uqaphele xa uboleka.
Inkxaso-mali engakhuselekanga neKhuselekileyo
Abaninzi baya kukhetha iintlobo ezikhuselweyo kuba kunokuba lula ukufumana imvume kubo, kwaye isithembiso sakho sokubuyisela ababolekisi sihlala sixhaswa sisibambiso esinokuthi iziko lezezimali lihluthe xa kukho ukusilela.
Isibambiso esaneleyo, esifana nekhaya okanye imoto yakho, sinokufuneka ukuba ufuna ukufumana loo mali ingako yeprojekthi. Ii-HELOC zihlala zinezi mpawu apho inzala iphantsi kakhulu, kodwa ikhaya lakho linokuba semngciphekweni ukuba awukwazi ukuhlawula. Ii-asethi ezibanjiswayo ezibanjiswayo zihlala zixabisekile kuyo yonke intengiselwano, kwaye abanye ababoneleli-mali badla ngokufuna ukuba bafakwe kwi-inshurensi.
Amatyala ajikelezayo
Olunye ukhetho olunobuqhophololo ngamatyala ajikelezayo ekhadi lokuthenga ngetyala asenokubonakala engenasiphelo kwabo babambekayo kwezi mboleko. Ayikhuselekanga, kodwa uya kunikwa umda othile wenkcitho kuphela. Inzala iqala emva kokuba uthenge, kwaye i-APR eguquguqukayo inokwahluka kwinyanga enye ukuya kwenye.
Yazi ukuba ikhaya lakho okanye utyalo-mali lusenokungabi semngciphekweni ngezi mboleko zabathengi. Nangona kunjalo, ungaze ucinge ngokusilela kuzo ngenxa yokuba zikhokelela kwizimangalo, amabango enkundla, imivuzo ehonjisiweyo, kunye nokuhla okubalulekileyo kwinqanaba lakho letyala. Usenokungafanelanga enye imali-mboleko iminyaka embalwa ukuba awulumkanga.
Abaxhasi bezimali ezi ntlobo ngokubanzi baxhomekeke kwilizwi lakho, ukuba ufanelekile kangakanani na, kunye neentengiselwano zangaphambili ozenzileyo kunye nabo. Eyona nto ingcono onokuyenza kukubonisa iibhanki kunye namanye amaqumrhu abucala ukuba unoxanduva malunga nemiba yezemali yobomi bakho.
Kwimeko yokubhanga okanye xa amanye amaziko ethatha amafa akho, ababolekisi abangenasiqinisekiso badla ngokuba ngabokugqibela ukuzama ukuqokelela imali yabo. Nangona kunjalo, abanye banokusala bengenanto ukuba yonke into abanayo itshatyalaliswe kukubhanga, ngoko ke akumangalisi ukuba babeka inzala ephezulu ngeepakeji zabo. Jonga okungakumbi malunga nokubhanga kule sayithi apha.
Ukukhetha uMboleki we-Intanethi
Enye yeendlela ezilungileyo zokukhangela ukhetho kukungena kwi-Intanethi kwaye ubone ukuba ngabaphi ababolekisi ababonelela ngezona zivumelwano zingcono. Bahlala benesisa kubantu abathathe isigqibo sokusebenzisa i-auto-pay feature, apho banokuba nezaphulelo, kwaye unokuthatha ithuba lokubonelela kwabo okwenzelwe ukuqalisa ishishini elincinci okanye ukungena ekholejini.
Iimali zinokufunyanwa kwiiyure ezingama-24 xa ufaka isicelo kwangethuba, kodwa abanye bangathatha iveki phambi kokuba abo baphantsi kwabo bakuvume. Kufuneka utyikityo lwe-elektroniki kuphela; ungaqinisekisa iinkcukacha zeakhawunti yakho yebhanki ngexesha elibekiweyo. Ukuba unqumle, ungajonga oku kusuku olulandelayo.
Ngaphandle kweentlawulo ezigqithisileyo ezibizwa ngababolekisi abaninzi, unokuboleka ukusuka kwi-5000 yeedola ukuya kwi-10000 yeedola ukuze uhlawule, ngakumbi ngeemali eziphezulu. Iintlawulo ezikhawulezayo ziyafumaneka, kwaye ziya kuthumela iimali zakho kwiakhawunti yakho yebhanki oyityumbileyo.
Ubulungu beManyano yeTyala
Ukholwa okanye hayi, ubulungu abaninzi kwi-intanethi buvulelekile ukwamkela amalungu nokuba uhlala kude. Hlawula unyango, utyando, kunye nezinye iindleko ezinkulu zesibhedlele ngoncedo lwabo, okanye unokuthi ufuna imali yokuxhasa ngemali. Abanye baya kufuna ukuba ugcine iakhawunti yakho kunye ne-5 yeedola, kwaye ungaqala ukwakha ikhredithi yakho emva kokuboleka malunga ne-500 yeedola.
Ilungile kwabo bangadingi mali ininzi, kwaye amazinga enzala ayidlali. Ngokuxhomekeke kwinkampani, unokufumana uluhlu phakathi kwe-5.99% ukuya kwi-18.99%. Nangona kunjalo, ayingabo bonke abantu abakufaneleyo ukufumana ezona phakheji zibalaseleyo kuba unikezelo lwabo luya kuxhomekeka kwireyithingi yabo yetyala.
Kufuneka ukhumbule into enye xa uthatha isigqibo sokujoyina le mibutho yamatyala, nangona kunjalo. Baza kukuthumela itshekhi yephepha, ngoko ke kulula ngakumbi ukuba ukufuphi, kwaye unokuyithatha imali ngosuku olulandelayo.
Iinkampani eziguquguqukayo onokuthi usebenze nazo
Ukuba ufuna ixesha elingakumbi lokuhlawula amatyala akho, iinkampani ezininzi zinokukunika iinyanga ezili-12 ukuya kwezingama-60. Ababoleki kufuneka babonise isibambiso phambi kokuba bafanelekele ukufumana i-APR ye-17%, kwaye unokukhetha umhla wakho omiselweyo. Isicelo kunye nomntu obolekayo sinokonyusa amathuba akho okufumana imvume, ke oku kunokuba yinto ongafuni ukuyiphosa.
Nangona kunjalo, yilumkele imvelaphi kunye neefizi zokuthengisa ezihlawulwa zezi nkampani. Inokubiza kakhulu, ukusuka kwi-5% ukuya kwi-10% yemali iyonke. Basenokungabi nayo nayiphi na imigaqo enezohlwayo zokuhlawula kwangoko, kodwa unokuqiniseka ukuba iintlawulo zasemva kwexesha ziya kubizwa malunga ne-1% ukuya kwi-15% yesixa-mali osifaneleyo. Izicelo zingagqitywa kwimizuzu eli-10, kwaye unokufumana isigqibo sabo emini emaqanda.
