Ngaba ufuna ukubambisa ngento enye okanye yesibini?

cela ubambiso

Faka isicelo sobambiso Ngenye ye izigqibo ezinzima Kwabanye abantu, hayi kuba ibonisa utyalo mali olukhulu, kodwa nangenxa yokuba sisivumelwano sebhanki esigcina abaninimzi bebotshelelwe iminyaka emininzi.

Esinye sezigqibo ezinkulu sisekwe ekuchongeni ukuba uyafuna na ukuchitha ubomi bakho bonke kunye neqabane lakho. Kwaye izinto ziba nzima xa zombini izigqibo zidibana kwaye uthatha isigqibo sokuthenga ikhaya xa ukunye nomntu onekamva kunye naye. Kwimeko apho, kungcono cela ubambiso kuphela okanye ucele kunye neqabane lakho?

Iimfuneko zokufaka isicelo sobambiso

iimfuno zobambiso

Okokuqala, kubalulekile bayazazi iimfuno ukuba iibhanki zihlala zithathela ingqalelo ukuze zikwazi ukusayina ubambiso, kuba ezi zixhaphakile kwezo meko umntu azicelayo okanye xa kusenziwa ngendlela ekwabelwana ngayo.

  • Okokuqala, kubalulekile ukuba nayo Umsebenzi ozinzileyo, ukuba kunokwenzeka ngesivumelwano esingenasiphelo kunye nexesha elidala lonyaka omnye, umvuzo ofanayo. 
  • Xa kufikwa kubasebenzi abazimeleyo, abasebenzi bakarhulumente okanye abafundi abasafundayo, iibhanki zihlala zicela i amava ubuncinci iminyaka emibini kwindawo yakho, kunye nezibonelelo ezibonakalayo zoqoqosho.
  • Kufuneke Ku gcina imali, malunga I-30% yenkcitho iyonke, kubandakanya ixabiso lokuthenga, kunye neendleko ezinxulumene netayitile yentengiso yekhaya.
  • Kwakhona, imali ehlawulwayo mayingagqithi kwi-40% yengeniso yenyanga, nokuba kukodwa okanye kuqhelekile kwesi sibini.
  • Kukwabalulekile ukuba ne- imbali entle yamatyala, ngaphandle kwalo naluphi na uhlobo olungagqibekanga. Ukongeza, kuyacetyiswa ukuba uhlawule ezinye iimali mboleko zangaphambili, kuba ukunyaniseka kwazo kunciphisa amathuba okwamkelwa kobambiso ziibhanki.

Ezi ziimfuno eziqhelekileyo kubo bonke abantu, kodwa unako Bala ubambiso lwakho kwi-intanethi kwaye uyazi iimeko zakho zobuqu. 

Ngaba kungcono ukubuza imali yobambiso wedwa okanye njengesibini?

Ngoku, ngaba lukhetho olungcono ukubuza malunga nobambiso kuphela okanye njengesibini? Impendulo ngokubanzi ixhomekeke, nangona kukho izibonelelo ezinxulumene nokufaka isicelo sobambiso ekwabelwana ngalo.

Xa umntu ongatshatanga ecela imali mboleko kufuneka abonelele ngesiqinisekiso esaneleyo sentlawulo esicelwe yibhanki kwaye athobele zonke iimfuno ezichazwe ngaphambili ngaphandle koncedo lomnye umntu.

Kwimeko ye izicelo ezibini, Las amathuba okwamkela ukunyuka kwemali mboleko kuba iibhanki zihlala zijonga imali mboleko njengeyona ikhuselekileyo. Oku kunjalo ngenxa yezizathu ezibini ezilula: kwelinye icala, ngokuhlawula ityala elahlulwe phakathi kwabantu ababini, umthwalo kulowo nalowo kubo uyakuba mbalwa kwaye kunamathuba amaninzi okuhlawulwa ngaphandle kwengxaki; Ukongeza, ukuba omnye wabanini usilele kuyo nayiphi na intlawulo, omnye ophetheyo uyagubungela icandelo lakhe. Esigqiba kwelokuba imali mboleko yokubolekwa kwemali inobungozi obuncinci bokungagqibeki kunakwimeko apho icelwa ngokukodwa.

isibini semali mboleko

Kukwaphawuleka ubukho be iimeko ezahlukeneyo xa ufaka isicelo semali-mboleko ekwabelwana ngayo, kuba, kwiibhanki, ayifani naleyo ifunwa sisibini esitshatileyo kunokuba sitshatile okanye sitshatile.

Umtshato uhlala ubonwa njengemo ehleleke ngakumbi kwaye ezinzileyo. Nangona elona nqaku libalulekileyo kukumisela, kwisivumelwano semali-mboleko, ukuba ipropathi yeyomnye okanye bobabini kunye nokutyikitya phambi komntu olungisa izivumelwano echaza ipesenti umntu ngamnye anayo.

Izibonelelo kunye nezinto ezingalunganga zokutyikitya imali mboleko ekwabelwana ngayo

La isicelo sobambiso kwicala lesibini lizisa kunye nezibonelelo ezithile ezinxulumene noko:

  • Ukukhululeka kokufikelela kwikhredithi ngenxa yomngcipheko omncinci wokungagqibeki.
  • Umthamo omkhulu wamatyala, oko kuthetha ukuba unokufaka isicelo semali mboleko enexabiso eliphezulu, ethi yona inike ithuba lokufumana indlu ebiza kakhulu.

Kodwa zikhona iingxaki ezithile, hayi kwezoqoqosho kuphela, kodwa ngokweemvakalelo, ehambelana nomthwalo wemali obeka umngcipheko wawo.

Ukongeza, kubalulekile ukuba ukhankanye ukuba kwimeko apho isibini sizahlula, iinkqubo azikho lula kwaye kungathatha ixesha elininzi kunye nomzamo wokuyisombulula.

Kwimeko yokwahlukana, kwenzeka ntoni kubambiso?

Ukwahlukana kwesibini

Kungakhohlisa, kodwa kukho iindlela ezahlukeneyo zokukulungisa:

  • Okokuqala, eyona ilula kukuba thengisa indlu kumntu wesithathu Ngemali efunyenweyo, hlawula ityala lokuthenga ngendlu kunye nequmrhu.
  • Ikhaya linokubakho ifunyenwe lelinye lamaqela, oko kuthetha ukuba imali mboleko yeyakho kuphela ukususela okoko uyifumeneyo.
  • Enye inketho ukucima indlu yokuhlala. Oko kukuthi, omnye waba bantu babini unikezela ngendawo yakhe yendlu ukuya kwenye.
  •  Kwimeko ezimbini zokugqibela kufuneka kwenziwe utshintsho kubunini bemali-mboleko, isenzo ekufuneka samkelwe yibhanki.

Unako kwakhona rhoxisa imali mboleko ekwabelwana ngayo kwaye ufake entsha ngokukodwa, kodwa oku kubandakanya iindleko eziphezulu, kuba ukurhoxiswa kubandakanya iindleko zommeli-zincwadi, irejistri kunye neekhomishini ezithile; Ngelixa ufaka isicelo semali mboleko entsha kuthwala iindleko ezifanayo nokufaka isicelo sayo okokuqala.

Zizinto ezahlukeneyo onokukhetha kuzo, ezinezibonelelo ezahlukeneyo kunye nokungalunganga nganye nganye. Kuyimfuneko kuphela ukuhlalutya imeko yetyala ngalinye kwaye uthathe isigqibo sokuba yeyona ndlela ilungileyo yokucela ubambiso lodwa okanye njengesibini.

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