Intlawulo yemali mboleko, kungcono ukunciphisa isavenge okanye inani lezavenge?

Hlawula imali mboleko ngexesha okanye ngezavenge

Xa i ukuhlawulwa kwemali-mboleko, ikomkhulu ebelinikwe ngaphambili liyabuyiselwa. Ngokubanzi, izavenge zihlawulwa ngekota, ngenyanga, njl.njl., Nganye kuzo iya kuba yinxalenye yemali mboleko eceliweyo kunye nenzala evelisiweyo.

Xa ufuna ukuqhubeka nokutshintsha kwentlawulo yamatyala ngenxa yezicelo zemboleko zangaphambili kwiibhanki okanye kumaziko emali, kuqhelekile ukuzibuza ngeyona ndlela isebenzayo okanye iqhinga lokuyihlawula.

Kule meko, izigqibo kufuneka zenziwe ngokusekwe kulwazi oluthembekileyo kwaye kuthathelwa ingqalelo amava angaphambili abanye abasebenzisi. Kuya kubakho izinto ezilungileyo nezingalunganga; Ukulunga kunye nokubi okuya kuthi kuxhase okanye kuhlazise ikhondo elithile lesenzo phantsi kweemeko ezithile.

Sihlalutya kwaye sithelekise lo mbhalo, umxholo osivumela ukuba siphendule umbuzo wokuba kuya kuba ngcono ukunciphisa izavenge, okanye endaweni yoko sinciphise inani lezavenge, ukuze sihlawule imali-mboleko.

Ngaphambi kokubeka izimvo kwaye sigxile kweli candelo, siza kuthetha ngokufutshane ngamanye amanqaku ahambelana nomba wokubuyiselwa kwemali mboleko.

Kuxhomekeke kwisicwangciso esikhethwe ngokobuqu kwimbuyekezo, oku kuncitshiswa kwamatyala kunokuba luhlobo oluthile okanye olupheleleyo; kuhlala kungumkhwa wokuvelisa ukonga kwiiakhawunti zabo bahlawula imali. Inzala evelisiweyo iyakuba yeyamanani asezantsi, nokuba imali okanye ixesha liyancitshiswa, kuthathelwa ingqalelo ukusebenza akuzange kuncitshiswe ziikhomishini zokuhlawulwa kwangaphambi kwexesha kwemali mboleko.

Ukulungiswa kwemali mboleko akunakufane kwenzeke ukuba ikhule ekuqaleni kwayo. Kuya kufuneka ulinde iinyanga okanye iminyaka ukuyenza, kwaye oku kuya kuxhomekeka kwiimeko zesivumelwano esenziwe nebhanki.

Icandelo ngalinye kunye nomgca wekhredithi uya kubonelela ngemigaqo eyahlukeneyo, ekufuneka ifundwe ngaphambili  Ukujonga ukuba kunokwenzeka na ukuthatha ithuba lokuhlawula kwangoko imali mboleko ekuthethwa ngayo.

Iifom zezemali ukuhlawulwa kwamatyala kwimboleko-mali

Ukuhlawulwa kwesiFrentshi Enye yeendlela eziqhelekileyo nezilula zenkxaso-mali esele ikho, equka ukuhlawula umrhumo ofanayo kuwo onke amaxesha. Kuza kubakho isabelo kunye nomhla womthengi, ngesiqhelo ngalo mhla wenyanga ukwenza intlawulo. Uhlobo olufanayo lwentlawulo luya kuhlala lujongana nalo, olunokuthi lube yinto engathandekiyo kumaxesha athile onyaka okanye kumaxesha apho ukulungiswa kwemali kuye kwahlengahlengiswa ngakumbi. Kuyimfuneko ukuba nemali eyaneleyo ukuze ukwazi ukuhlangabezana nentlawulo ngokomhla ekuvunyelwene ngawo kwisivumelwano semali mboleko.

Enye into enokwenzeka iya kuba sisabelo esandayo, indlela apho kuya kuthi kuhlawulwe umrhumo ocuthwe ekuqaleni, oya kuthi ukhule ngokuhamba kwexesha. Eyona nto ibaluleke kakhulu kuyo kukuba unokuba nexesha elide ukwenza okanye ucwangcise iqhinga elifanelekileyo lokuhlawula.

Kwelinye icala, isavenge esinciphayo siguqulela kwintlawulo ephezulu eyahlukileyo ekuqaleni nangaphantsi kwinqanaba lokugqibela. Iqwalaselwa ngabaninzi njengeyona ndlela yothethathethwano, nangona ilungile phantsi kweemeko ezithile.

Njengoko iinyanga zihamba, imirhumo iyancitshiswa kwaye kunokwenzeka ukulawula iimali ngenkululeko engakumbi. Unokuba netafile yokuhlawula amatyala, ukuququzelela ulwazi lwenani lezavenge ukucwangcisa iintlawulo. Kuyacetyiswa ukuba ugcine imali ukuze ungaphumeleli kwizibophelelo zeenyanga zokuqala.

Ukuhlawulwa ngempumelelo kwemali mboleko

Uyibuyisa njani imali-mboleko

Ukuze uphumelele ekuqhubeni umvuzo Ityala lebhanki ngaphandle kokusilela okanye ukusilela kwizavenge ekuvunyelwene ngazo, umntu ofake isicelo semali mboleko kufuneka acwangcise iindleko kunye nengeniso yakhe ngokuchanekileyo, akwazi ke ukwazi umda wokusebenza kwemali anayo.

Okubaluleke ngakumbi yile Inqanaba lesenzo ukuba uneshishini lakho. Ngaphandle koko, xa ungumqeshwa oqhelekileyo okanye uqeshwe, kufuneka uchaze kwaye ube nolawulo kumvuzo wenyanga ukuze ukwazi ukuhlawula iifizi zebhanki, kwaye kwangaxeshanye ukwazi ukulawula iiakhawunti zakho.

Uyacetyiswa ziingcali ukuba uqale umsebenzi okanye wandise ishishini esele likho xa usenza isicelo semali mboleko. Ukuba unexesha elithile usebenzisa uhlobo oluthile lweshishini okanye umsebenzi, kunokwenzeka ukuba uya kuba nedatha elawula ukulawula ulindelo oluchanekileyo malunga nezibonelelo zenyanga ezizakufunyanwa, kungenjalo kuya kufuneka usebenze ungaqinisekanga ngakumbi.

Ukuba, emva kokufaka isicelo semali mboleko, izibonelelo zanyanga zonke ezifumanekayo ziyakwazi ukugubungela izavenge ekuvunyelwene ngazo ngokulula, kwaye ulindelo lokunyusa izibonelelo kutyalo-mali ziqinisekisiwe ngengqondo elungileyo, inokuthi ithathelwe ingqalelo njengohambo lwezemali olufanelekileyo.

Ukubuyiselwa kwemali mboleko kunciphisa izavenge kunye nenani lemigaqo

Emva kokuba ufumene imali-mboleko kwaye sele kudlule ixesha elithile, imeko yezoqoqosho yomntu ofake isicelo semali mboleko inokutshintsha okanye iphucule yena ngenxa yezizathu ezahlukeneyo, nokuba zezokukhohlisa okanye ezilindelweyo. Kwiimeko ezininzi Esona sithuba sinokubabuyisa bonke okanye inxenye yemali ebiceliwe. Ngokubanzi, inzala esetyenzisiweyo evela ebhankini iyakuncitshiswa, le yenye yezizathu eziphambili zokuphuhlisa ukuhlawulwa kwamatyala.

Kubuzwa umbuzo. Ngaba kulula ngakumbi ukunciphisa umrhumo wenyanga okanye ukuhlawula imali efanayo neyangaphambili kodwa ngexeshana elifutshane?

Ukujonga ezi zinto zimbini zokugqibela kwaye kuxhomekeke kwimfuno ebenayo nangaliphi na ixesha elinikiweyo, nangaphezulu kuthathelwa ingqalelo imali eyinkunzi ekufuneka ichithwe, kufuneka kuvavanywe ukuba zeziphi kwezi zinto zimbini umntu anomdla anokuzisebenzisa.

Ngaphambi kokukhetha iqhinga lokuhlawula imali mboleko, kufuneka uyazi kwaye ufunde ngeemeko zesivumelwano. Oku kunokuqulatha isohlwayo ukuba kuthathwe inyathelo lokuhlawula amatyala, ikhomishini enikwe igama lokuhlawula amatyala kwangoko. Ayinakugqithiswa ukusuka kwipesenti ebekiweyo. Ixesha elifutshane lokuhlala le pesenti ihlala incitshisiwe.

Kubalulekile ke ngoko ukuba ujonge ngokobuqu indlela yokonga kunye nokuhlawulwa kwetyala kwangethuba, lo msitho unxulumene nentlawulo enokwenzeka yekhomishini yokuhlawula amatyala. Ukuba umahluko mncinci kakhulu, kunokugqitywa ekubeni ayifanelekanga ukwenza i-amortization ngale ndlela kumgca wekhredithi.

Eyona nto isoloko ifunwa iya kuba kukuba olu hlobo lwekhomishini alufakwanga, ukuzama ukuba intshukumo yebhanki ibangele inzuzo ngakumbi ngokonga okukhulu. Kuyaziwa ngokuqaphela ukuba isibonelelo sebhanki sangoku sivumela iikhredithi ngaphandle kwekomishini yokuhlawula kwangoko.

Kuyenzeka ukuba kubalwe ukuba ixesha okanye intlawulo yentlawulo yemali mboleko iya kwahluka xa kusenziwa intlawulo kwangaphambili, kusetyenziswa imodeli yokubuyisa imali mboleko, eyenza ukubalwa kwakhona kwekota okanye isavenge.

Ukuhlawulwa kwamatyala mboleko ngonciphiso lwezavenge

Buyisa imali-mboleko

Olu hlobo lokuhlawula amatyala lwenziwa xa isixa semali esincinci sihlawulwe inyanga nenyanga kwimali mboleko efunyenweyo, kodwa kugcinwe ixesha elifanayo lokukhula njengoko kuvunyelwene. Kukhethwa ukuba kulunge xa ​​injongo ikukufumana isiqabu esikhulu senyanga ngokubhekisele kwintlawulo yemali mboleko.

Cinga ngemeko apho umntu anikwe imali mboleko ye-10.000 euros ngaphezulu kweminyaka emi-5, apho inzala iya kuba kwi-10%. Ukuba loo mntu ucinga ukuba imeko yakhe yezemali inokubangela ukwehliswa kwesabelo, isicwangciso esinozinzo esifanayo siya kugcinwa, nangona kubalwa kwakhona isabelo senyanga. Ngale ndlela, umrhumo wenyanga oza kuhlawulwa uya kuba usuka kwi- € 212.47 ukuya kwi- € 191.22. Xa imali-mboleko iphela, iyonke imali eyi-11.473 iya kubuyiselwa. Ngendlela ebonakalayo, inzala iya kuncitshiswa nge- € 788.

Ukuhlawulwa kwemali-mboleko kunciphisa ixesha kunye nokugcina isavenge

Kwimeko enjalo, isabelo esifanayo siya kugcinwa, kodwa iinyanga zokwenza ngokusesikweni ukusebenza kwemali ziya kuncitshiswa.. Masicinge ukuba ukhetha ukugcina umrhumo we- € 212.47, ngale ndlela uyakubhatala isithuba seenyanga ezingama-53; endaweni yeenyanga zokuqala ezingama-60 ebekufanele ukuba zenziwe. Ke, uxanduva lokubolekwa kwemali mboleko luya kuba yi- € 12.261.

Kumzekelo wekhonkrithi onje, ukuncitshiswa komrhumo kuthathelwa ingqalelo njengesindululo esilunge ngakumbi ngenxa yokuhlawula imali encinci.

Kuyacetyiswa ukuba ucele itafile epheleleyo yokuhlawula amatyala kwiziko lemali elichaphazelekayo, kunye nokwenza ulinganiso, ukwazi ngokusondela ngakumbi nokuqiniseka ukuba kwimeko ethile kuya kuba luncedo ngakumbi ukuhlawula kwangaphambili kwithuba okanye ngezavenge.  

Ikota Vs. Quota yeyiphi oyikhethayo?

Xa injongo ikukugcina ubuninzi bezinto ezikhoyo, eyona nto inenzuzo enkulu kukuqhubeka nokuncitshiswa kwemiqathango. Kwimeko enjalo, inzala iya kwenziwa ngexesha elifutshane.

Kulabo bajongana neemeko okanye iimeko apho uthatha umrhumo wenyanga uhlala uthande ukuba nzima, ukunciphisa le yeyona modeli inyanisekileyo yesenzo.. Ukuba imali-mboleko ibinomdla oguqukayo, kwaye sinobungqina bokuba iyakonyuka, kuyindlela ekhuthazayo yokwenza iprojekthi ekwehliseni isabelo ngelixa ugcina ixesha. Oku kuya kuthintela umrhumo ekubeni ubize kakhulu.

Ukunciphisa ixesha kuya kuba yindlela yokonga imali eninzi, kuba ixesha lihlala liyinto eya kubangela ukuba inzala inyuke.


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