Ukuxhasa ngemali imali mboleko yakho entsha kufuneka uqwalasele zonke iindlela onokukhetha kuzo; mhlawumbi sele ugqibe ngayo uhlobo lobambiso onokuyikhetha. Namhlanje siza kuthetha malunga nemali-mboleko yenzala emiselweyo, ethandwa kakhulu namhlanje kwizivumelwano zezindlu. Apha siza kuchaza ukuba Ubungakanani bemali ebolekiweyo esekwe kwintengiso, izibonelelo ezikunika zona kunye numahluko xa kuthelekiswa nenqanaba eliguqukayo.
Ubambiso lwemali mboleko emiselweyo-Hlawula inzala efanayo ngalo lonke ixesha
Las ireyithi emiselweyo okanye iqondo elibambekayo lokubolekwa kwemali, zibandakanya ukuba ireyithi kunye neentlawulo zenyanga azisokuze zitshintshe; nantsi eyona nto ibalulekileyo. Umzekelo, masithi wenze isivumelwano seminyaka emashumi mathathu sokuboleka imali: ukusukela xa utyikitya, sele uyazi kakuhle eyakho umgangatho wenzala kunye neentlawulo zakho zenyanga. Unokuphumla ngokulula, kuba uya kuhlawula imali enye nenyanga kude kufikelelwe kwintlawulo epheleleyo.
Izinto eziluncedo kwimali mboleko emiselweyo
- Uhlawula ngokulinganayo inyanga nenyanga; ungakhathazeki malunga nokwahluka kweentlawulo, oku ngekhe kwenzeke. Ngemali-mboleko yemali emiselweyo, uya kuhlawula isixa semali de kufikelelwe kwisixa sentlawulo eyimfuneko, unokufumana ikhontrakthi yenzala engaphantsi kwe-3%.
- Uzinzo; Izinga lokubambisa elibekiweyo lilungile ukuba uceba ukuhlala kwikhaya ixesha elide kuba iintlawulo azonyuki, ezinikezela uzinzo kunye nokulungela abathengi. Ireyithi emiselweyo ayixhomekeki kwiiyantlukwano ze-Euribor okanye amanye amaxabiso enzala, okwenza ukuba izinga elimiselweyo lilungele abantu abangafuni ukubeka emngciphekweni utshintsho olukhulu kwintlawulo.
- Khohlwa malunga negatya lomgangatho; Njengoko besenditshilo ngaphambili, iqondo lobambiso olulinganiselweyo aluxhomekekanga kwizalathiso zomdla njenge-Euribor, ebangela ukuba igatya lomgangatho lingasetyenziswa kolu hlobo lobambiso. Iimali ezibolekwa ngamanani eziguquguqukayo ziyahlupheka kwigatya lomgangatho kuba zixhomekeke kwinqanaba lenzala, yiyo loo nto abanye abathengi behlawula izavenge eziphezulu ixesha elide.
- Amagama amade; Ngenxa yokuba iqondo elibambekayo lokubolekwa kwemali lidumile namhlanje, ziye zahlengahlengiswa ngcono ukuze zihlangabezane neemfuno zabathengi. Oku kunceda ekwenzeni ukuba amabinzana ande ngokude, okwangoku kukho iqondo lokubambisa elibekiweyo iminyaka engama-30, ngenzala kunye namaxabiso afikelelekayo.
- Unikelo luyanda; Imali ebolekisiweyo emiselweyo iya isiba yinto ethandwayo, ngakumbi nangakumbi abasebenzisi baziva bekhuselekile ngeentlawulo ezisisigxina kunye nenzala emiselweyo, eyenza ukuba intengiso iguquke. Isibonelelo sobungakanani beqondo lobambiso lobungakanani bendawo elungele ukukhethwa ngabathengi. Oku kuhle kodwa kwangaxeshanye kubi, kuba kwixa elizayo siza kubona ukonyuka kweebhanki okuya kunyuka ukuze kulungelelaniswe nentengiso kukhetho lwemali mboleko emiselweyo.
Izinto ezingeloncedo kwimali mboleko emiselweyo
- Inzala ephezulu; Izinga lokubambisa elibekiweyo ligcinekile, uhlala usazi isixa semali oza kuyihlawula, enokuthi ngamanye amaxesha ibangele ukuba inzala ibe phezulu kwizinga lokubambisa elibekiweyo kunezinye iintlobo zobambiso. Oku kungatshintsha, njengoko ukuthandwa kunye nokunikezelwa kwemali mboleko emiselweyo kuphucula izibonelelo.
- Ukuthengisa okunomda ngakumbi; Ukuba ukhetha inzala emiselweyo yobambiso, kuya kufuneka uthathele ingqalelo ukuba zibandakanya iikhomishini ezizodwa, ezinjengomngcipheko ngenxa yenqanaba lenzala elikhoyo, eliza kusebenza kuthi ukuba sithatha isigqibo sokurhoxisa inkonzo yethu yobambiso.
Olu hlobo lwekhomishini luchaphazela phantse yonke imilinganiselo yokubambisa, nangona inokuchaphazela ukubolekwa kwemali eguquguqukayo phantsi kweemeko ezithile. - Iikomishini eziphezulu; kwimali-mboleko yemilinganiselo emiselweyo sihlala sifumana ukuvula iikhomishini ze-1%. Ezi khomishini zisezantsi kwimali mboleko eguquguqukayo, eyi-0.5%.
Umahluko phakathi kobambiso olungaguquguqukiyo nolungaguquguqukiyo
- Njengoko besenditshilo ngaphambilana, iimali-mboleko ezibekiweyo zikunika uzinzo, iintlawulo ezingaguquguqukiyo, ezingatshintshi konke konke ukusukela oko wenza imali mboleko yendlu, kunye namandla okuhlaziya kamva xa imeko yakho yezemali iphucuka; kuya kufuneka uthathele ingqalelo ireyithi ethe tyaba ukuba ulindele ukunika intlawulo enokuxelwa kwangaphambili.
- Iimali ezibolekwa kwiirhafu eziguquguqukayo zibonelela ngenzala esezantsi; Nangona kunjalo, ukubhatalwa kungonyuka ngokukhawuleza nangokumangalisayo, ke gcina oku engqondweni. Iimali ezibolekwa ngamanani eziguquguqukayo zilungele abantu abaceba ukuhlala kwipropathi okwexeshana. Kwimali ebolekiweyo yexabiso eliguqukayo, unokulindela utshintsho kwinani lentlawulo elinciphisa inani lemali oselityala.
Kuyimfuneko ukuba uqaphele ukuba ayisiyiyo kuphela umahluko phakathi kobambiso lwexabiso elibekiweyo kunye nokwahluka. Ziyahluka ngokweempawu ezinje ngekota yokuhlawula kunye neekomishini.
Inkxaso mali ekubonelelwa yibhanki inokwahluka ngokweemeko ezimbini. Kwinqanaba eliqingqiweyo, ibhanki iya kuthi ikubonelele ngemali engaphantsi kwenqanaba lobambiso olwahlukileyo. Ibhanki inokuyonyusa imali, kodwa ingxaki koku kukuba xa uxhasa ngemali ngakumbi ebhankini, kokukhona inqanaba lenzala abakunika lona liphezulu.
Iimpawu ezifanelekileyo zokubambisa ngento ebekiweyo
- Ixesha lokufikelela kwiminyaka engama-30.
- IiKhomishini ezingaphantsi kwe-1%, owona mgangatho uqhelekileyo.
- Inzala ingaphantsi kwe-3%.
- Inzala esisigxina, engatshintshi ngokuhamba kwexesha.
- Akukho siqendu somgangatho, esinokuchaphazela iintlawulo.
Imali ebolekiweyo emiselweyo namhlanje
Kubekho iinguqu ezinkulu ekuxhaseni imali yemali ebolekiweyo esisigxina kwiimarike, amaxabiso atshintshe kakhulu, enkosi kwinto yokuba iibhanki zikhuphisana ngakumbi nangakumbi ukubonelela ngeyona nto inomdla kubambiso kubasebenzisi. Imigaqo iya isiba nde, ezinye iikhomishini ziyasuswa kwaye amaxabiso ancitshisiwe, nto leyo eyenza kube lula ukuthenga amakhaya.
Nangona kunjalo, namhlanje sifumana ukunyuka kwamaxabiso kwimali-mboleko yexabiso eliqingqiweyo, njengoko beya befuna abathengi. Oku akonyusi amaxabiso kuphela, kodwa kukwaguqula iikhomishini kunye nomdla ofunekayo wokufumana ikhaya.
I-Euribor kunye nendlela ekuchaphazela ngayo ukubolekwa kwemali
I-Euribor sisalathiso sesalathiso esipapasha umyinge wenzala apho iibhanki zenza iimali mboleko zexesha elifutshane mihla le. Sisalathiso ekumele ukuba sihlala sinaso xa sifuna ukwenza intlawulo yokubambisa ngento ebesiyicwangcisile. Ngaba i-Euribor iyabuchaphazela ubambiso lwam?
Kuxhomekeke, umahluko ophambili kukuba ngaba imali mboleko esiyikhuphileyo sisilinganiselo esimiselweyo okanye inqanaba eliguqukayo. Ukuba imali mboleko ikuluhlu oluguqukayo, ke kukho ubudlelwane phakathi kwe-Euribor kunye nobambiso lwethu, kuba inzala iyahluka rhoqo kwaye iimali mboleko zebhanki ziyatshintsha. Kwelinye icala, ukuba imali mboleko ikuluhlu oluguqukayo, akukho budlelwane ngqo phakathi kwe-Euribor kunye nobambiso lwethu.
Yiyo loo nto kucetyiswa ukuba kubanjiswe imali mboleko kubantu abangafuni kungenisa ixhala lotshintsho olukhulu kumyinge wenzala yebhanki, ukuzinzisa isavenge esizinzileyo kunye nokwahluka.
Ndilufumana njani olona hlobo lubambekayo lokuthenga ngempahla?
Ngaba uzimisele okanye uthathe isigqibo malunga nemali mboleko ebekiweyo? Kulungile, kodwa ukufumana ubambiso oluchanekileyo uyakufuna iingcebiso zokufumana ikhontrakthi elungileyo.
- Sukuhlala kwibhanki enye; Iibhanki ezahlukeneyo zibonelela ngeendlela ezahlukeneyo zokubolekwa kwemali mboleko. Fumanisa kakuhle malunga neemeko kwiinkampani zebhanki ezahlukeneyo, ke uya kuba nokhetho olubanzi.
- Bala intlawulo oza kuyihlawula; Sele ugqibile kwibhanki elungileyo, ngoku ndincoma ukuba ulinganise amaxabiso oza kuhlawula ngokusekwe kwizinto ezibonelelwa yibhanki yakho. Kukho izicelo zasimahla kwi-intanethi ezikunceda ubale amaxabiso oza kuhlawula, kufuneka ugcwalise ezinye iifom kunye neemeko ekubonelelwa yibhanki yakho, ezinje ngenzala, i-inshurensi kunye nekhomishini.
- Izikhokelo zobambiso; Kukwakhona ezinye izikhokelo ezikhethekileyo zokukunceda uthathe isigqibo malunga nemali mboleko efanelekileyo. IHelpMyCash yenye yezi zikhokelo ezinokuba luncedo kakhulu.
Isiphelo
Ukuba isicwangciso sakho kukuthenga indlu kwaye uyazi ukuba uza kuhlala apho ixesha elide, kuya kufuneka ke ujonge ekuxhaseni imali umyinge wemali ebekiweyo, kuba awunakuxhalaba malunga notshintsho olunokuza nekamva malunga neentlawulo zakho. Utshintsho kwiqondo lenzala, elinokukuchaphazela kwiminyaka ezayo, kwaye unokugqibela ngokuhlawula kakhulu ngakumbi kwimali mboleko yakho kunokuba ubufanele ukuyihlawula.
Khumbula ukuba esi sisigqibo esibaluleke kakhulu, ekufuneka usenze emva kokujonga zonke iindlela ezikhoyo. Sisigqibo sobuqu ekufuneka usithathele ingqalelo i imeko yemali apho ukuyo, sukuyithatha kancinci kwaye uthathe isigqibo esifanelekileyo.