Ityala elihle, ityala elibi kunye netyala lokufumana umvuzo

Sonke siyazi ukuba umntu ngamnye unobuntu bakhe. Ngokulandelayo, banxulumana nehlabathi ngendlela eyahlukileyo, into ekwadluliselwa kubudlelwane babo nemali. Ukunganikeli ingqalelo kakhulu kubo kukwenza ukhukulise ngakumbi, ngokuchaseneyo nokuba ngubani ozama ukubalawula nokulawula ngcono imeko yabo yezoqoqosho. Kukho iindleko ezincinci kunye neendleko ezinkulu, njengamatyala amancinci kunye namatyala amakhulu. Kodwa umbuzo ngulo, wazi njani ukuba lityala elibi okanye ityala elihle?

Kwinqaku elisikhathazayo siya kufunda ukwahlula luhlobo luni lwetyala ekufuneka silubaleke, nokuba yiyiphi eyamkelekileyo okanye elungileyo kuthi. Indlela yokulisebenzisa ngokunengenelo ityala, okanye indlela yokufumanisa, ukuba kuyimfuneko, ukusa kumlinganiselo ongakanani esinokuwunyamezela umlinganiselo othile wokuba netyala.

Ityala elinetyhefu

Amatyala asuka kwiminqweno esifuna ukuyanelisa ngoku akweli qela. Ngesiqhelo okubangelwa kukungabi namonde. Lolona didi luxhaphakileyo lwamatyala olukhoyo, ngenxa yezixa-mali zawo eziqhele ukuba phantsi. Ngapha koko, oku kuyenza ibe yingozi kakhulu, kuba ayidli ngokuzisa nayiphi na inzuzo.

Makhe sicinge ukuba kukho i-smartphone entsha esifuna ukuyithenga. Asinamali, kodwa ivenkile okanye ikhadi letyala liyasivumela ukuba siyithenge. Omnye umzekelo, iTV entsha. Asinamali yokuyithenga, ngaphandle kokuba sinomabonakude oqhawukileyo, bakho abanokuthi bangene ematyaleni ukuze bafumane entsha nangona inaye esebenzayo, nokuba sele indala. Le yimizekelo yamatyala amabi, kwaye ukuba zidityaniswe nenzala ephezulu kude kuqatsele.

Kwimeko embi kakhulu, ngamanye amaxesha ityala lidlula ubomi obuluncedo bemveliso okanye benkonzo ngenxa yoko kuvunyelwene ngako. Umzekelo, iholide. Ngaba kunengqiqo ukuhlawula ileta, nokuba incinci, yeholide eyayihlala iminyaka emi-3 edlulileyo, nto leyo encinci ekhunjulwayo?

Iindlela zokuthintela ukuwela kumatyala ayityhefu

• Uqeqesho Yiba nenkqubo yokonga. Akuyomfuneko ukuba ibe kakhulu ekuqaleni ukuba awukwazi. Into ebalulekileyo asikokuphulukana nalo mkhwa.
• Musa ukuwela kwiminqweno. Musa ukungena ematyaleni ngeemveliso osele unazo. Xa unemali kwaye ukwazi ukuyifikelela, kuya kuba lixesha.
• Inzala ephezulu. Ungangeni kwityala elinenzala ephezulu, nokuba lincinci kangakanani na. Iqela elikhulu lazo lingakrwitsha uqoqosho lwakho.

Ityala Elilungileyo

Nangona igama elithi “ityala” lidla ngokunxulunyaniswa nento embi okanye enganqwenelekiyo, inyaniso yeyokuba, kuxhomekeka ekubeni ityala lisetyenziselwa ntoni, lisenokulunga. Okulandelayo, siza kubona iimpawu ezigqamayo uninzi lolu hlobo lwetyala.

• Zisetyenziselwa ukuthenga izinto zexabiso. Ityala elijoliswe ekuthengeni indawo, imoto yakudala, okanye umsebenzi wobugcisa unokugqalwa njengetyala elihle. Ezi ntlobo ze-asethi zidla ngokuxabisa ngokuhamba kwexesha, kwaye ngaphandle kokuba ixabiso eligqithileyo lihlawulwe, kunenzuzo enkulu kunokufumana ityala lokuya ekhefini.
• Bangenisa umvuzo. Amatyala alungileyo anokunika ingxelo ngengeniso. Owona mzekelo uqhelekileyo kukuthenga indlu ukuyirenta. Kodwa unokubandakanya apha ezi zifundo zemfundo okanye iinkosi eziya kukunceda ukuba ujongane ngcono nomsebenzi wakho wobuchwephesha. Ayisiyiyo loo nto kuphela, ityala lokufumana ishishini elinengeniso likwalityala elilungileyo.
• Imali eninzi yenzelwe utyalo-mali lwakho. Kwaye le nxalenye enomdla kakhulu yamatyala alungileyo, akuvumela ukuba utyebe ngokukhawuleza. Oku kunokuba yinto ephikisayo kwaye kungabikho ngqiqweni kakhulu, kodwa ukuba ukwazi ukufumana inzuzo engaphezulu kuneentlawulo zenyanga ozenzayo ngokuba nayo, iya kwicala elifanelekileyo. Siza kuyibona ngokulandelayo.

Inqaku elidibeneyo:

9 Iindlela zokungangeni ematyaleni kwimarike yemasheya

Yenza imali ngamatyala

Ulivile ngokuqinisekileyo igama elithi "i-leverage". Imalunga nokukwazi ukuhambisa isixa esikhulu semali kunokuba unayo. Isetyenziswa kakhulu kwiimarike zemali, umzekelo ngeemveliso ezifana neeCFD kunye nexesha elizayo. Ingxaki kukuba ilahleko, xa senza iimpazamo, ingagqitha inkunzi yethu kwezi meko. Ngamanye amazwi, oku kuya kuba ukugqithisa kakhulu. Into ekufuneka uyiphephe.

Indlela elula nesempilweni yokuxhasa ixhomekeke ekuceleni ikhredithi imali efana nale sinayo. Eli tyala kuthethwa ngalo, ngaphaya kokufuna ukulihlawula imali, lijonge ukufumana imbuyekezo kulo. Inokusetyenziselwa ikhaya, ishishini, ilayisenisi yeshishini, okanye nantoni na esifuna ukufumana kuyo ingeniso. Masiyibone ngcono ngomzekelo.

Uxhamle ngekhaya oza kurenta

Ukuyiqonda le ngcamango kwaye ndiyenze ibe lula, ndiza kuzihoya iindleko ezifunyenwe ekuthengeni kunye nokwenziwa ngokusesikweni kwe-mortgage.

Makhe sicinge ukuba ngenxa yelifa, ilotho, ukonga, okanye nokuba siyintoni na isizathu, sinayo i-euro eyi-140.000 kwi-akhawunti. Sinenketho yokuthenga iflethi exabisa i-euro eyi-140.000, isixa esifanayo. Kukho iindlela ezimbini ongakhetha kuzo. Enye kukuhlawula ngemali, kwaye enye ngokuhlawula ikhredithi enika i-20% kwangaphambili efunwa yibhanki. Nguwuphi umahluko okhoyo?

1. Ihlawulwe ngemali. Sithenge iflethi nge-140.000 yee-euro kwaye sayibeka ukuba siyirente mhlawumbi nge-650 ye-euro. Oku kuya kusinika i-7.800 euros ngonyaka, oko kukuthi, i-5,57% yembuyekezo yonyaka. Inxalenye entle, asinatyala. Indawo embi, i-akhawunti yebhanki ihlala ingenanto qaleni
2. Sicela imali-mboleko. Sinika i-euro ezingama-28.000 intlawulo ephantsi, kwaye sineleta iminyaka engama-30 kwi-2% yee-euro ezingama-450 ngenyanga (irhafu ephuma ekuthengeni sele ibandakanyiwe). Ngaphandle kwento yokuba inxalenye yeflethi ihlawulwe ngerenti, sinenzuzo enkulu ye-200 euros ngenyanga, oko kukuthi, i-2.400 ngonyaka. Kwi-28.000 ye-euro ehlawulwe ekuqaleni, yimbuyekezo ye-8,57%. Kwakhona kubonwa ngenye indlela, i-mortgage ivumela ukuba sifumane umvuzo omkhulu kunemali esiyihambisileyo. Ukongeza, ukuba sineengxaki ngexesha lekhosi, sihlala sihlala siya kuba nemali kwi-akhawunti yebhanki.

Inqaku elidibeneyo:

Imali ebolekisiweyo eguqukayo okanye eguqukayo?

Lo mzekelo, ubonisa ngakumbi kunento eyenziwayo, kukubonisa indlela inkunzi enokuthi ihambe ngayo kwicala elichanekileyo ukuba unolawulo olululo lwemali. Bekungayi kuba sengqiqweni ukucela imali-mboleko kunye nakwimali esingakhange siyicele ukuba siyichithe kwezinye izinto ezinqwenelekayo, kuya kuqala ukuba yingozi xa sijongana naso nasiphi na ikamva. Nangona kunjalo, ukungachithi imali eyinkunzi kukwasivumela ukuba sijongane nako nakuphi na ukuchitheka okanye ukuba kukho nayiphi na intsalela, yityale kwenye into zomdla wethu. Ngale ndlela, kugqitywa ukuba ityala elisetyenziswe kakuhle linokuvelisa ingeniso kwaye lenze inkunzi ikhule ngokukhawuleza.