Iikhredithi zotyalo-mali kwimarike yemasheya

Iikhredithi zotyalo mali? Enye yeengxaki ezinkulu zokutyala imali kwimarike yemasheya ivela kwiimeko apho izikhundla ezithathiweyo zilahleko kwaye zinokuphawulwa kakhulu. Ayisiyiyo kuphela ngenxa yokuhla kwe-equity, kodwa kuba isenokuba yiyo Kuya kufuneka uhlangule igalelo ukuze ujongane nezinye iindleko ezingxamisekileyo: ukuhlangabezana nezibophelelo zakho zerhafu, hlawula imali yokurenta indlu, okanye ujongane ngqo nentlawulo engabonwanga kuhlahlo-lwabiwo mali.

Ujongene nale meko, zimbalwa iindlela onokukhetha kuzo. Nokuba uthengisa izabelo ngokukhubazeka, okanye ngokuchaseneyo, uzama ukufumana ezinye iindlela ezonelisayo ngakumbi kwimidla yakho. Ukusuka kwimbono yakho njengomtyali mali omncinci, ukusukela ngoku unesisombululo esinokukunceda kwezi meko, kwaye kufanelekile ukuba usazi. Imalunga nokwamkela enye ye iikhredithi zotyalo-mali ezenze izinto zebhanki.

Iikhredithi zotyalo-mali yimveliso yenkxaso mali ekubonelela ngemali yokuthintela ekwenzeni i ukusebenza lousy kwiimarike zezabelo. Ziyaphuhliswa ngeemeko zesivumelwano ezingohlukanga kakhulu kweminye imithombo eyahlukeneyo yezemali. Amaxabiso aphezulu abawanikezela kubafakizicelo bawo awanyani kakhulu. Kodwa ke kuya kukunceda akufuneki uhlehlise izikhundla kwiimarike ngexesha elibi kakhulu lotyalo-mali.

Njani ezi iikhredithi?

Kwisibonelelo sebhanki sangoku, imigca emininzi yetyala kwezi mpawu ayicingelwanga. Ngokuchasene noko, zizindululo ezichaziweyo ezingabonisi uninzi lwesiqhelo kwisicwangciso seebhanki. Kwaye njengesiqhelo kwezi meko ziya kukuthathela ingqalelo umdla oya kuthi wongezwe ekusebenzeni. Ekugqibeleni, imalunga nokubambelela kwizikhundla zakho kwimarike yemasheya kude kufike ukuvela kwamaxabiso abo ubungakanani-ubuncinci- ixabiso lokuthenga, kwaye akufuneki uzithengise ngaphambi kwale meko imbi.

Ayisebenzi kuphela ukukhusela ukusebenza kweemarike zesitokhwe, kodwa kananjalo ezinye iimveliso ezivela kwizabelo (imali yotyalo-mali, iziqinisekiso, ukuthengisa ngetyala, njl. Iibhanki azizukufuna nasiphi na isiqinisekiso kunyenyiso lwazo, kodwa isiqinisekiso salo msebenzi siya kumelwa lutyalo-mali ngokwalo. Ukulungiselela le nto, unemiqathango yokubhatala eguqukayo, enokuhlengahlengiswa kwiimfuno onazo, kwaye eyahlukileyo kwimeko nganye.

Ngaphantsi kwale meko ngokubanzi, izindululo onazo okwangoku zisekwe kwiimodeli ezithile. Enye yazo yiMali mboleko yoTyalo-mali ethi i-Bankia ibiphethe ukuthengisa kubasebenzisi abakule meko. Lubonakalisiwe kuba nguwe okhetha inqanaba lenzala apho indlela yezemali inxulunyaniswa nayo. Inokulungiswa okanye iguquke, Kuxhomekeke kwiimfuno zakho, kwaye kunjalo, iprofayile oyivezayo njengomthengi. Kwaye nalapho bakunika ithuba lokuhlawula izavenge ezili-14 zonyaka ukukhawulezisa inkqubo.

Olunye ukhetho onokuthi uluthathe ngokunenzuzo luvela kwiTyala loTyalo mali oluqulunqwe yiDeutsche Bank. Kule meko, kuya kufuneka uthathe umdla onomdla ngakumbi, ukuze ube nakho vala umsebenzi kwisithuba seminyaka eli-10. Kwaye igcinwa ineemeko ezikumgca ofanayo nalowo ubonakalisiweyo kwezona mpawu zixhaphakileyo zale mveliso yebhanki.

Zeziphi ezi khredithi?

Iinjongo zalamajelo enkxaso mali zichazwe ngokuthe ngqo, kwaye kuya kufuneka wazi ukuba ungazifuna nini, kwaye okona kubaluleke kakhulu, zeziphi ezona meko zinokwenzeka zokuba uvumeleke wenze olu hlobo lwekhredithi ekhethekileyo. Iya kuba yiyo eyahlula kwezinye iindlela zokuxhasa ngemali. Kwaye ungazibeka ngokusesikweni kwezi meko zilandelayo.

• Ngalo mzuzu kanye ufuna ukuthengiswa Ukujongana nentlawulo engxamisekileyo, kodwa utyale imali oyigcinileyo kwii-equities, kwaye ngaphezulu koko, uphulukana nemali kwiindawo ezivulekileyo.
• Xa kunyuka nekoteyishini yamaxabiso abo, akufanelekile ukuba ugqibe umsebenzi kuba ucinga ukuba ulondolozo lwakho inokuhlaziywa kwakhona nangakumbi.
• Xa awunazo izixhobo eziyimfuneko Ukujongana neendleko eziza kuwe kwiinyanga ezizayo.
• Ukufumana nayiphi na irhafu inzuzo yezikhundla zakho, hayi kumvuzo oguqukayo kuphela, kodwa nakwingeniso esisigxina, nakwezinye iindlela zotyalo-mali ezizezinye.
• Kwiimeko apho kufuneka lungelelanisa ukuphela kweemveliso ubhalisile ukwenza ulondolozo lube nenzuzo, kwaye ngenxa yoko, awuyi kuba nakho ukuthengisa phantsi kweemeko obukade uzifuna ekuqaleni.
• Xa okokugqibela ukhetho lwakho lokungathengisi utyalo-mali ngumsebenzi onenzuzo ngakumbi, kwaye apho unokufumana khona fumana izibonelelo ezininzi, ngaphezu kokuba ucinga.

Ukuqeshwa kwabo kuya kuthetha ntoni kuwe?

Ukubhaliswa kwamakhredithi otyalo-mali kuya kukuthathela ingqalelo kuthotho lweendleko kulawulo nakulondolozo oya kuthi uvavanye ukuqinisekisa ukuba kufanelekile na ukwenza ibango ebhankini. Hayi ngelize, iya kuthetha ukubhatalwa okongeziweyo okuya kuchaphazela ibhalansi yeakhawunti yakho yokujonga. Ngaba uyafuna ukubazi?

1. Baza kusebenza i umgangatho wenzala ethi kuwo onke amatyala igqithe i7% yomqobo, kwaye oya kuthi ujongane nayo kwezi nyanga zimbalwa zizayo, kwaye ude uwuvale umsebenzi.
2. Inokwenzeka iikhomishini ezinokubandakanya ukwenziwa kube semthethweni kwale mveliso, kwaye kwimeko embi kakhulu inokunyuka ukuya kwi-3% yemali efunekayo.
3. Ukwanda kwe inqanaba lamatyala Ngethuba nje usebenze unikezelo lwale mali, ngenkqubo yenyanga yokuhlawula eya kwenza ukuba ulunge ngakumbi kuhlahlo-lwabiwo mali losapho.
4. Nakuphi na ukwaphula iintlawulo kuya kuthetha wena izohlwayo eziqatha Oko kuyakwenza ukuba uchithe imali engaphezulu kunohlahlo-lwabiwo mali lokuqala. Ukwazi ukwenza ingxaki engaphezulu kwesinye.
5. Kunoko, azinazindleko kulawulo okanye kulondolozo lwazo, kodwa kuyo nayiphi na imeko kuya kuba lula kakhulu kuwe ukuba ufunde ukuprinta okuhle kwesivumelwano sokufumana nayiphi na inkcitho efihliweyo, kunye nesixa sayo sokwenyani.

Iimfuno zeebhanki

Njengazo zonke iintlobo zeekhredithi, ziya kufuna iziqinisekiso zokuyinika. Zikumgca ofanayo wenye iklasi yemali mboleko. Kwiimeko ezininzi Kuya kuba yimfuneko ngokupheleleyo kuwe ukuba ube negalelo kwirhololo (ipenshoni), okanye umvuzo ubuncinane rhoqo. Iya kukunceda ukuba ungabinayo eminye imigca yekhontrakthi onayo, kokubini kwiziko lakho nakwezinye iibhanki. Kwaye ukuba unokuxhasa ubugqwetha bakho nge-solvent kunye ne-akhawunti yokujonga esempilweni, kulunge ngakumbi kwimidla yakho.

Kwelinye icala kuya kubaluleka kakhulu ukuba awufakwanga nakuluphi na uluhlu lwabangathobeli (ASNEF, RAI okanye efanayo). Ukusukela ukuba kunjalo, awuzukukhetha ngaphandle kokujonga ezinye iindlela zenkxaso mali kuba baya kusala isicelo sakho ngalo lonke ukhuseleko. Kumaqonga ezemali okubonelela ngemalimboleko ekhawulezayo. Kukulungele, ke ngoko, ukuba awunawo amatyala kwiibhanki, kodwa hayi kurhulumente, nkqu nangeenkonzo eziphambili zekhaya (umbane, amanzi, irhasi, njl.

Ewe kunjalo, uyabona ukuba uyayidinga le mali. Sukwenzi ngokunyanzelwa nje, nditsho nokuthintela ukujongana nezinye iindleko kwiakhawunti yakho yokujonga. Kuba ubuza kuzinyusa. Kwaye yintoni kodwa, ngendlela engeyomfuneko. Ibango lakho kufuneka lihanjiswe kuphela kwezona meko zingxamisekileyo kuqoqosho lwasekhaya, hayi kwezinye.

Zeziphi iinjongo onokufikelela kuzo?

Ngalo msebenzi wokuxhasa ngezimali unokufikelela kwiinjongo ezinqwenelekayo, kwaye kunokuba yinzuzo kuwe. Nangona kungenjalo kuzo zonke iimeko kukhula ngale ndlela. Ukwazi ukuba uphumelele ekunikezeleni ngetyala, awuzukukhetha ngaphandle kokuhlalutya iziphumo zalo zokugqibela.

• Xa ufumene imvume yekhredithi phantsi iimeko ezingcono zesivumelwano, kwaye ikhululwe nakwiikomishini kunye nezinye iindleko kulawulo lwayo okanye kulondolozo.
• Okwangoku xa uguquko lwezikhundla zakho kwizabelo (okanye zilungisiwe) Ndilufumene ulindelo lwakho, Ukuza kuthi ga kwinqanaba lokuba iinzuzo ezinkulu ziye zafakwa ngokusisigxina kwipotifoliyo yakho yotyalo-mali.
• Ngu Ingqokelela yesahlulo izikhundla ezivulekileyo kwimarike yemasheya. Kwaye oko kunokunika ukubuya okungaguquguqukiyo kwaye kuqinisekisiwe ukuya kuthi ga kwi-8%,
• Logama nje ukusebenza kotyalo-mali lwakho igqithe inkcitho Oko kuyakuthetha ukuthatha inqanaba lenzala eliza kusebenza kuwe xa unikezela ngetyala.
• Ekuzameni ukunciphisa iimeko ezibi kakhulu kwiimarike zezemali, zonke ii-indices zinjalo ibanjwe kwiintshukumo ze-bearish Uyilo olukhulu.
• Kwaye kude kube ngoku sukucinga ukuba unyusa inqanaba letyala ngendlela eyingozi, ukuya kuthi ga kwinqanaba lokuba imeko jikelele yeeakhawunti zakho zibe semngciphekweni.

Iingcebiso

Zizikredithi ekufuneka uzisebenzise kuphela kwizihlandlo ezithile. Ngaphandle kwazo naziphi na iimeko uyisebenzisa gwenxa ibango lakho, nokuba izinto zazimbi kakhulu kwiimarike ze-equity. Ungalibali ukuba unezinye iindlela ezonelisayo zokusombulula le ngxaki yotyalo-mali onayo ngexesha elithile.

Phakathi kwezinye iindlela zokuxhasa ngezimali unokukhetha i- iikhredithi phakathi kwabantu. Ngeemeko eziluncedo ngakumbi kwimidla yakho, kuba zibandakanya inkcitho encinci ekusebenzeni kwayo. Kwaye ngaphandle kokulibala ukuba ilungu losapho linokuhlala likunceda ukuphuma kule ngxaki eveliswa lutyalo-mali lwakho.

Ngayiphi na imeko, kubalulekile ukuba uhlalutye ixesha apho ulondolozo lwakho lujolise khona: elifutshane, eliphakathi nelide. Kuxhomekeka kubo, isicwangciso ekufuneka usisebenzise siya kwahluka kakhulu ngokwemfuno yomgca wetyala.