Izikweletu zabathengi zingakuvumela ukuthi ukhokhe izikweletu zesibhedlela, ukulungiswa kwemoto okungalindelekile, nokulungiswa kwekhaya. Amanani angahluka ukusuka ku-$1000 kuya ku-$50,000 kuye ngababolekisi, futhi abantu abanezilinganiso ezingcono kakhulu zezikweletu bangathola ukuthi bangathola isamba esikhulu ngenani lenzalo eliphansi.
Uma ubheke ukuboleka imali, ungase ufune ukubona ukuthi ufanelekile kwasekuqaleni. Isikolodo esiphezulu sizokwenza ufaneleke ukuthola okunikezwayo okuningi, futhi ungathola ngisho nemali mboleko yendlu yamaphupho akho. Izinketho zakho zingahluka ngokuya ngezidingo, iziqu, izimpahla onazo njengamanje, kanye nesimo sakho sezezimali sisonke. Nazi ezinye izinto ongazithola ziwusizo.
Isamba samadola aphezulu avela kosozimali
Abantu bangase bamangale lapho bethola ama-imeyili okunikezwayo okugunyazwe kusengaphambili ngisho noma bengasifakanga isicelo sokubolekwa imali. Amabhange abo angase abatshele ukuthi ikhadi lesikweletu lisendleleni, noma bangathenga amafoni akamuva, izesekeli neminye imikhiqizo ngaphandle kwenzalo.
Uma ubheke ukuboleka isamba esikhulu semali, into yokuqala okudingeka uyicabangele izinga lenzalo. Lena yindlela osozimali abaningi abangazuza ngayo futhi bavikele izindleko zabo zokusebenza. Njengomthengi, umgomo uwukuqhathanisa amaphakheji amaningi futhi ubone ukuthi yikuphi okungenza umqondo omkhulu.
Izikweletu Eziningi Kungaba Inketho
Ukufaka isicelo kubabolekisi abaningi kungakusiza ukuthi uthole lokho kuthenga okubiza kakhulu okufunayo. Kodwa-ke, kunezinkinga eziningi lapho ukhetha le nketho. Okokuqala, imali mboleko enkulu ekhona izovela embikweni wakho wesikweletu, futhi kungaba nzima ukufanelekela eyesibili. Enye yezinketho zakho ezinhle kakhulu imali mboleko ebiza kancane noma eshibhile ekuvumela ukuthi uboleke u-$10,000 noma ngaphezulu uma udinga imali. Ngale ndlela, uzokhokha umxhasi oyedwa kuphela futhi ungakhathazeki ngokunye.
Yiziphi Ezinye Izindlela Ezihlukile?
Osozimali bakhona yonke indawo namuhla, futhi unemalimboleko ehlukahlukene yabathengi elinde ukukhishwa ku-akhawunti yakho yasebhange oyikhethile. Udinga ukuqonda imigomo, njengesikhathi esidingekayo ukuze ukhokhe ngokugcwele lokho okubolekile futhi uma kunezinhlawulo zokukhokha kusengaphambili. Ukuxhaswa ngezimali kungaba inqubo yesikhathi esifushane noma eside, futhi kukuwe ngokuphelele ukuthi ikuphi ukukhetha okungaba nengqondo.
Labo abahlela umshado bangase bathande ukuxhaswa ngezimali isikhathi eside okuzobenza bakwazi ukukhokha imali abayikweletayo, futhi abasanda kushada ngeke baboshwe kakhulu ukuze bathole ukheshi lapho beqala ukuphila ndawonye. Izinga lenzalo liphezulu uma kuthatha iminyaka eminingana ukukhokha isikweletu ngokugcwele, futhi kulesi simo sezulu samanje, kungcono ukuqaphela lapho uboleka.
Uxhaso Lwezimali Olungavikelekile Neluvikelekile
Abaningi bangancamela izinhlobo ezivikelekile ngoba kungaba lula ukuthola imvume kubo, futhi isithembiso sakho sokubuyisela kubabolekisi ngokuvamile sisekelwa yisibambiso isikhungo sezimali esingasithatha uma kwenzeka iphutha.
Isibambiso esanele, njengekhaya lakho noma imoto, kungase kudingeke uma ufuna ukuthola leyo mali enkulu yephrojekthi. Ama-HELOC avame ukuba nalezi zici lapho amanani enzalo ephansi kakhulu, kodwa ikhaya lakho lingaba sengozini uma ungakwazi ukukhokha. Izimpahla zesibambiso ezibanjiwe zivame ukuba yigugu kukho konke okwenziwayo, futhi abanye abaxhasi bezimali ngokuvamile badinga ukuthi banikezwe umshwalense.
Izikweletu Ezijikelezayo
Enye indlela ewubuqili izikweletu zamakhadi esikweletu ezingase zibonakale zingapheli kulabo ababambeke kulezi zimalimboleko. Ayivikelekile, kodwa uzonikezwa kuphela umkhawulo wokusebenzisa othile. Inzalo iqala ngemva kokuthenga, futhi i-APR eguquguqukayo ingahluka enyangeni eyodwa iye kwenye.
Yazi ukuthi ikhaya lakho noma utshalomali kungenzeka lungabi sengcupheni ngalezi zimali mboleko zabathengi. Kodwa-ke, ungacabangi nokucabanga ngokuzenza iphutha ngoba ngokuvamile ziholela ekumangaleleni, ezimangalweni zasenkantolo, amaholo ahlotshisiwe, kanye nokwehla okukhulu esilinganisweni sakho sesikweletu. Ungase ungafaneleki enye imalimboleko iminyaka embalwa uma unganakile.
Abaxhasi balezi zinhlobo ngokuvamile bathembele ezwini lakho, ukuthi ufaneleke kangakanani ukuthola isikweletu, kanye nemisebenzi yangaphambilini oyenze ngabo. Into engcono kakhulu ongayenza ukukhombisa amabhange nezinye izinhlangano ezizimele ukuthi unomthwalo wemfanelo mayelana nezici zezimali zempilo yakho.
Uma kwenzeka ukuqothuka kwezimali noma lapho ezinye izikhungo zithatha amafa akho, ababolekisi abangenazo iziqinisekiso bavame ukuba ngabokugcina ukuzama ukuqoqa imali yabo. Kodwa-ke, abanye bangasala bengenalutho uma konke abanakho kuqedwa ukuqothuka kwezimali, ngakho akumangazi ukuthi babeka izinga lenzalo eliphezulu ngamaphakheji abo. Bona okwengeziwe mayelana nokuqothuka kwezimali kulesi siza lapha.
Ukukhetha Umbolekisi We-inthanethi
Enye yezindlela ezinhle kakhulu zokubheka izinketho ukungena ku-inthanethi futhi ubone ukuthi yibaphi ababolekisi abanikeza amadili angcono kakhulu. Bavame ukuphana kubantu abanqume ukusebenzisa isici sokukhokha ngokuzenzakalela, lapho bengathola khona izaphulelo, futhi ungasebenzisa ngokunenzuzo izipesheli zabo eziklanyelwe ukuqala ibhizinisi elincane noma ukungena ekolishi.
Izimali zingatholwa phakathi namahora angu-24 uma ufaka isicelo kusenesikhathi, kodwa ezinye zingathatha isonto ngaphambi kokuba ababhali babo bangaphansi bakugunyaze. Kudingeka isiginesha kagesi kuphela; ungaqinisekisa imininingwane ye-akhawunti yakho yasebhange ngesikhathi esibekiwe. Uma usika, ungathola lokhu kuhlolwe phakathi nosuku olulandelayo.
Ngaphandle kwezimali ezeqile ezikhokhiswa ababolekisi abaningi, ungakwazi ukuboleka kusuka ku-$5000 kuya ku-$10000 ukuze ukhokhele, ikakhulukazi ngamanani aphezulu. Izimali ezikhokhwa ngokushesha ziyatholakala, futhi zizothumela imali yakho ku-akhawunti yakho yasebhange oyiqokile.
Ubulungu Benyunyana Yezikweletu
Uyakholwa noma ungakholwa, ubulungu abaningi bezinyunyana ku-inthanethi buvulekele ukwamukela amalungu ngisho noma uhlala kude. Khokhela ukwelapha, ukuhlinzwa, nezinye izindleko zesibhedlela ezinkulu ngosizo lwabo, noma ungasho futhi ukuthi udinga imali yokuxhasa ngezimoto. Abanye bazodinga ukuthi ulondoloze i-akhawunti yakho ngemali encane efika ku-$5, futhi ungaqala ukwakha isikweletu sakho ngemva kokuboleka cishe u-$500.
Kuhle kakhulu kulabo abangadingi mali eningi, futhi amazinga enzalo awawona ama-predators. Ngokuya ngenkampani, ungathola ibanga phakathi kuka-5.99% kuya ku-18.99%. Kodwa-ke, akubona bonke abantu abafanelekela ukuthola amaphakheji angcono kakhulu ngoba ukunikezwa kwabo kusazoncika esilinganisweni sabo sesikweletu.
Udinga ukukhumbula into eyodwa lapho uthatha isinqumo sokujoyina lezi zinyunyana zezikweletu, noma kunjalo. Bazokuthumelela isheke lephepha, ngakho-ke kulula kakhulu uma useduze, futhi ungalanda imali ngakusasa.
Izinkampani Eziguquguqukayo Ongasebenza Nazo
Uma udinga isikhathi esengeziwe sokukhokha izikweletu zakho, izinkampani eziningi ngokuvamile zingakunikeza izinyanga eziyi-12 kuya kwezingama-60. Ababoleki kufanele balethe isibambiso ngaphambi kokufanelekela i-APR engu-17%, futhi ungakhetha usuku lwakho lomnqamulajuqu. Isicelo esinomunye obolekayo singakhuphula amathuba akho okugunyazwa, ngakho-ke lokhu kungase kube into ongafuni ukuyigeja.
Kodwa-ke, qaphela izimali zokuqala kanye nezokuhwebelana ezikhokhiswa yilezi zinkampani. Kungabiza kakhulu, kusukela ku-5% kuya ku-10% yenani eliphelele. Bangase bangabi nayo imithetho enezinhlawulo zokukhokha ngaphambi kwesikhathi, kodwa ungaqiniseka ukuthi izinkokhelo ezifike sekwephuzile zizokhokhiswa cishe u-1% kuya ku-15% yenani lakho okufanele ulikhokhe. Izicelo zingaqedwa phakathi nemizuzu eyi-10, futhi ungathola isinqumo sabo emini.
