Izikweletu. Leli gama ngokuqinisekile lingelinye lalawo akugcina ungalali ebusuku, akukhungathekise futhi ongeke ufune ukukubona empilweni yakho. Nokho, iyanda imindeni nabantu abanezikweletu ezibacindezelayo. Esinye sezixazululo esadalwa ukuhlanganisa izikweletu. Kodwa, Ingabe uyazi ukuthi imalimboleko yomuntu siqu ingasetshenziswa kanjani ukuhlanganisa izikweletu?
Ngezansi sizokhuluma nawe ngalesi sihloko. Futhi uma unezikweletu ezimbalwa okufanele uzikhokhe futhi ungazi ukuthi uzoziphilisa kanjani, mhlawumbe kulokhu uzothola ikhambi obulidinga ukuxazulula zonke futhi usale nesikweletu esincane.
Kuyini ukuhlanganiswa kwezikweletu
Zicabange une-mortgage. Ukuthi nawe ucele ukubolekwa imali enkampanini yakho ngoba udinga imali ukuze uyitshale. Ukuthi unemali mboleko yomuntu siqu. Izitolimende zazo zonke, kanye nalezo zezinye izindleko zenyanga onazo, kungenzeka zikubangele isimo sokukhathazeka futhi ungazi ukuthi uziphathe kanjani yonke into ukuze uthole imali eyanele ukuyikhokha ekupheleni kwenyanga nangaso leso sikhathi. isikhathi sokuba nawe .
Kulezi zimo, ukuhlanganiswa kwezikweletu kungaba yisixazululo ngoba okwenziwayo wukuqoqa zonke izikweletu umuntu anazo bese zihlanganiswa zibe yimalimboleko eyodwa, noma i-akhawunti yezikweletu.
Ngesibonelo esikunike sona ngaphambilini, lezo zimali mboleko ezintathu zingangeza cishe ama-euro angama-839 ngenyanga. Futhi ngokuhlanganiswa kwezikweletu nokucela imalimboleko, ungakwazi ukuxazulula inkinga ngenkokhelo encane (nakuba unesikhathi eside sokukhokha). Sixoxa ngakho ngezansi.
Utholani ngokuqiniswa kwezikweletu
Nakuba ukuhlanganiswa kwezikweletu kungenakufinyelelwa ngaso sonke isikhathi, labo abasifinyelelayo, kungakhathaliseki ukuthi ngesikweletu somuntu siqu noma ezinye izibalo zezimali, bathola izinzuzo ezithile okufanele bazicabangele. Ngokwesibonelo:
Uzoba nezimo zokukhokha ezingcono
Enye yezinzuzo zokuhlanganisa izikweletu yithuba lokuthuthukisa izimo zakho zokukhokha. Eqinisweni, usuka ekubeni nezikweletu eziningi uye kwesinye, ngoba ezikhathini eziningi isikweletu ozosenza inkontileka sibangelwa ukuthi zonke ezidlule zikhokhiwe.
Lokhu kuholela ekuthuthukisweni kwalezi zimo zokukhokha, hhayi kuphela ezitolimende ezizokhokhwa, kodwa nakwinzalo ngisho nangesikhathi okufanele ibuyiswe ngaso.
Ngokwesibonelo, ake ucabange unezikweletu ezenza ukhokhe ngaphezu kwama-euro ayinkulungwane ngenyanga. Ngokuhlanganisa ungagcina imali engama-euro angamakhulu amahlanu, inzalo ephansi kanye nesikhathi eside ukugwema ukwehluleka ukukhokha lezi zitolimende.
Imisebenzi yokukhokha nokuphatha yenziwa ibe lula
Ngomqondo wokuthi, ngokuzihlanganisa nokuzihlanganisa, kuzoba nesikweletu esisodwa kuphela ndawonye futhi kuzoba lula ukuphatha nokukhokha (noma ngisho nezinkokhelo zokuhlela) ngenxa yaleso sikweletu somuntu siqu.
Uyawunakekela umlando wakho wesikweletu
Ozokuthanda kakhulu ukungena ohlwini lwabantu abangayikhokhi, akunjalo? Ngoba izikhathi eziningi kulula ukungena, kodwa kunzima kakhulu ukuphuma.
Ngokuhlanganisa izikweletu, umlando wakho wezikweletu uhlanzekile, okuzokwenza kube lula kuwe ukuthola imalimboleko namakhredithi esikhathini esizayo.
Yiqiniso, kufanele wazi ukuthi zikhona nezingozi.. Phakathi kwazo, ukungahlangabezani nezinkokhelo zenyanga zemalimboleko yomuntu siqu kungabangela ukuthi ubekezelele izinhlawulo kanye nezinkokhelo ezengeziwe ezingenza izinto zibe nzima kuwe.
Ngaphezu kwalokho, uma “ungafundi” esimweni ozithola ukuso, ukuzibona ungenaso isikweletu (noma unemali encane futhi kulula ukuyikhokha) kungakwenza usebenzise imali ngokweqile futhi.
Elinye iphuzu elibalulekile lapho kuhlanganiswa izikweletu ukuthi kungenzeka kube khona izindleko zalezo zikweletu. Leyo ikhomishini yokuvala izikweletu noma izinhlawulo zokukhokha kusenesikhathi.
Kulokho kufanele wengeze imali yokuvula imalimboleko yomuntu siqu, okuzodingeka uyithwale.
Izikweletu zomuntu siqu zingasetshenziswa kanjani ukuhlanganisa izikweletu
Ngaphandle uma unezinkinga ekutholeni usizo, lapho unezikweletu eziningi futhi kufanele uzikhokhe, ukucela imalimboleko yomuntu siqu kungasiza ekuhlanganiseni izikweletu zakho. Eqinisweni, okwenziwayo yilokhu okulandelayo:
Imali mboleko iyacelwa ukuthi ikhokhe zonke izikweletu ezisele. Ngale ndlela, manje usukhululekile kuzo.
Ngemva kokucela imalimboleko yomuntu siqu, kufanele uyibuyisele. Futhi ngenxa yalokhu, esikhundleni sezitolimende zezinyanga ezintathu zezikweletu, ubuyoba nesisodwa kuphela, okungenzeka ukuthi ezimweni eziningi sibe nokwehliswa kwezinga lenzalo kanye nezinkokhelo zanyanga zonke.
Phakathi kwezinzuzo le ndlela ekunikeza yona yilezi:
Yonga imali yenzalo
Ikakhulukazi uma ezinye izikweletu unenzalo ephakeme. Empeleni, Lokhu kungenxa yokuthi imali ebolekiwe yomuntu siqu ijwayele ukuba nenzalo ephansi.
Lokhu kuzokusiza ukuthi wonge imali eningi ngokuhamba kwesikhathi. Ukwengeza, ngokukhokha isikweletu ngokushesha ugwema leyo nzalo.
Uhlelo lokukhokha oluhlelekile
Ngomqondo wokuthi ungakwazi ukuxoxisana ngenkokhelo phakathi nenkathi ethile yesikhathi, kanye nenani layo. Ukwengeza, ungakwazi ukulandelela futhi wenze izinkokhelo ezihleliwe ngaphandle kokukhathazeka ngokuthi kufanele ukhokhe ezindaweni eziningi.
Gwema izinhlawulo zokungakhokhi
Lokhu kungenxa yezikweletu ozenzile futhi ongakwazi ukuhlangana nazo ekuqaleni. Ngokusebenzisa imali ebolekiwe yomuntu siqu, ngokuvamile enanini elikweletwa ezikweletini ukuze uzikhokhele, izinhlawulo ziyagwenywa.
Futhi iqiniso liwukuthi, ngesabelo ngasinye esinganeliseki, bangakhokhisa inhlawulo yamaphesenti ambalwa engeziwe e-quota (okuyinto, ngokuhamba kwesikhathi, ezoba nomthelela ongemuhle ezimalini zakho).
Ubuwazi le ndlela yokusebenzisa imali mboleko yomuntu siqu ukuhlanganisa izikweletu? Ingabe wake wayisebenzisa ukuze ukhokhe izikweletu futhi ukwazi ukukhokha imali oyibolekile ngaphandle kokucindezeleka okungaka?