Ukuxhasa ngemali imali mboleko yakho entsha kufanele ucabangele zonke izinketho onazo ezandleni zakho; mhlawumbe usunqumile ngaso uhlobo lwesibambiso ozokhetha. Namuhla sizokhuluma ngemali mboleko yenzalo engaguquki, edume kakhulu namuhla ngezivumelwano zezindlu. Lapha sizochaza ukuthi i- imali mboleko esuselwe emakethe, izinzuzo ezikunikeza zona nokwehluka ngokuqhathaniswa nezinga eliguqukayo.
Imali mboleko yamanani engaguquki - Khokha inzalo efanayo njalo
I-Las isilinganiso esinqunyiwe noma isilinganiso semali mboleko ebekiwe, ziqukethe ukuthi isilinganiso nezinkokhelo zenyanga azisoze zashintsha; nayi into ebaluleke kakhulu. Isibonelo, ake sithi wenze inkontileka yemali mboleko yeminyaka engamashumi amathathu: kusukela ngesikhathi osayina ngaso, usuvele wazi kahle ukuthi yini eyakho isilinganiso senzalo kanye nezinkokhelo zakho zanyanga zonke. Ungaphumula kalula, ngoba uzokhokha imali efanayo njalo ngenyanga kuze kube kukhokhelwa ngokuphelele.
Izinzuzo zemali mboleko yamanani amisiwe
- Ukhokha imali efanayo njalo ngenyanga; ungakhathazeki ngokuhlukahluka kwezinkokhelo, lokhu ngeke kwenzeke. Ngemalimboleko yemali engaguquki, uzokhokha inani elifanayo lemali kuze kuhlangatshezwane nenani lezinkokhelo ezidingekayo, ungathola inkontileka yenzalo engaphansi kuka-3%.
- Ukuzinza; Izimalimboleko ezihleliwe ezinamazinga afanelekile ziyafaneleka uma uhlela ukuhlala ekhaya isikhathi eside ngoba izinkokhelo azinyuki, okunikeza ukuzinza nokusebenziseka kalula kubathengi. Izinga elinqunyelwe alincikile kokuhlukahluka kwe-Euribor noma amanye amanani wenzalo, okwenza isilinganiso esinqunyiwe silungele abantu abangafuni ukubeka engcupheni ushintsho olukhulu ezinkokhelweni.
- Khohlwa ngesigatshana sephansi; Njengoba ngishilo phambilini, imali mboleko yamanani amisiwe ayixhomekile kuzinkomba zezinkomba zenzalo efana ne-Euribor, okudala ukuthi isigatshana sangaphansi singasetshenziswa ngaphakathi kwalolu hlobo lwemali mboleko. Izimali ezibolekwa ngamanani eziguqukayo zihlushwa isigatshana saphansi ngoba zincike kumazinga wenzalo, yingakho abanye abathengi bekhokha izitolimende eziphakeme isikhathi eside.
- Amagama amade; Ngoba imali mboleko yamanani amisiwe ithandwa kakhulu namuhla, ishintshwe kangcono ukuhlangabezana nezidingo zabathengi. Lokhu kusiza ukuthi imigomo ibe mide futhi ibe mide, njengamanje kunemali ebanjwayo yeminyaka engu-30, enenzalo engabizi kakhulu namanani entengo.
- Izipesheli ziyakhuphuka; Izimalimboleko ezihleliwe ziya ngokuya zanda, abasebenzisi abaningi ngokwengeziwe bazizwa bephephile ngokukhokha okungaguquki nenzalo engaguquki, okwenza imakethe iguquke. Izipesheli zemali ebolekwe ngamanani amisiwe ukuze ihambisane nezintandokazi zamakhasimende. Lokhu kuhle kodwa ngasikhathi sinye kubi, ngoba ngokuzayo sizobona ukwanda kwemali yasebhange ezokwanda ukuzivumelanisa nemakethe ngokuthanda imali mboleko yamanani angaguquki.
Okubi kwezimali zemali mboleko zamanani amisiwe
- Izinga lenzalo ephezulu; Izimalimboleko zokulinganiselwa ezingaguquki zonga kakhulu, uhlala wazi ukuthi inani lemali ozozikhokha, kwesinye isikhathi elingadala ukuthi inani lenzalo likhuphuke kancane kwizibambiso ezinamanani abekiwe kunezinye izinhlobo zokubambisa. Lokhu kungashintsha, njengoba ukuthandwa nokunikelwa kwemali mboleko yamanani amisiwe kuthuthukisa izinzuzo.
- Ukuhweba okukhawulelwe ngokwengeziwe; Uma ukhetha imali mboleko yenzalo engaguquki, kufanele unake ukuthi afaka amakhomishini akhethekile, njengengozi ebangelwa inani lenzalo etholakalayo, elizosebenza kithina uma sinquma ukukhansela insizakalo yethu yokubambisa.
Lolu hlobo lwekhomishini luthinta cishe imali ebolekiwe ngokuphelele, yize ingathinta nemali mboleko eguqukayo ngaphansi kwezimo ezithile. - Amakhomishini aphezulu; emalini ebolekiwe esilinganiselwe sivame ukuthola amakhomishini okuvula we-1%. Lawa makhomishini aphansi ngamanani entengo yemali eguquguqukayo, angama-0.5%.
Umehluko phakathi kwemali ebolekisiwe engaguquki neguqukayo
- Njengoba ngike ngasho phambilini, imali mboleko yemali engaguquki ikunikeza uzinzo, izinkokhelo ezingaguquguquki, ezingashintshi nakancane kusukela lapho wenza imalimboleko yakho yekhaya, kanye namandla okuthola imali kabusha kamuva uma isimo sakho sezezimali sithuthuka; kufanele ucabangele isilinganiso esiphansi uma ulindele ukukhokha okungaqagelwa.
- Izimalimboleko zamanani eziguqukayo zinikela ngenzalo yokuqala ephansi; noma kunjalo, izinkokhelo zingakhuphuka ngokushesha futhi ngokumangazayo, ngakho-ke gcina lokhu engqondweni. Izimali ezibolekwa ngamanani eziguqukayo zilungele abantu abahlela ukuhlala endaweni isikhashana. Ezimalini zemali ebolekwayo eziguquguqukayo, ungalindela ushintsho enanini lokukhokha elehlisa inani lemali osalikweleta.
Kuyadingeka futhi ukusho ukuthi lawa akuwona kuphela umehluko phakathi kwempahla ebolekiwe yezinga elingaguquki nelingafani. Futhi ziyehluka ngezici ezifana nesikhathi sokukhokha kanye namakhomishini.
Imali oyinikezwa yibhange ingahluka ngokuya ngalezi zimo ezimbili. Ngokwesilinganiso esinqunyiwe, kungenzeka ukuthi ibhange lizokuxhasa ngemali engaphansi kunesilinganiso semali mboleko eguqukayo. Ibhange lingakhuphula imali, kepha inkinga ngalokhu ukuthi uma uxhaso oluningi oluvela ebhange, izinga lenzalo abakunikeza lona liphakama.
Izici ezifanele zokubolekwa kwemali okungaguquki
- Isikhathi esifinyelela eminyakeni engama-30.
- Amakhomishini angaphansi kuka-1%, okuyizinga elijwayelekile kakhulu.
- Inzalo ingaphansi kuka-3%.
- Inzalo elungisiwe, engaguquki ngokuhamba kwesikhathi.
- Asikho isigatshana sephansi, esingathinta izinkokhelo.
Izimalimboleko zezinga elilinganiselwe namuhla
Kube nezinguquko ezinkulu ekuxhasweni kwemali yemali mboleko yamanani angaguquki emakethe, amanani entengo ashintshe kakhulu, ngenxa yokuthi amabhange ancintisana ngokwengeziwe ukunikela ngemali ekhanga kakhulu ekhokhelwa abasebenzisi. Imigomo iya ngokuya iba mide, amanye amakhomishini ayasuswa futhi amanani entengo ehliswa, okwenza kube lula ukuthenga amakhaya.
Kodwa-ke, namuhla sithola ukukhuphuka kwentengo kumali mboleko yamanani amisiwe, njengoba iya ngokuya ifunwa ngabathengi. Lokhu akugcini ngokwenyusa amanani, kepha futhi kuguqula amakhomishini nenzalo edingekayo ukuthola ikhaya.
I-Euribor nendlela ethinta ngayo imali ebanjiswayo
I-Euribor yinkomba eyinkomba eshicilela isilinganiso senzalo emaphakathi lapho amabhange enza imali mboleko yesikhashana nsuku zonke. Yireferensi okufanele sibe nayo njalo uma sifuna ukwenza inkokhelo yempahla ebesiyihlelile. Ngabe i-Euribor iyayithinta yini imali engiyibambisa ngempahla?
Kuya ngukuthi, umehluko omkhulu ukuthi ngabe imali esiyibolekayo esiyikhokhayo iyisilinganiso esimisiwe noma isilinganiso esiguqukayo. Uma imali mboleko ilinani eliguqukayo, khona-ke kukhona ubudlelwano phakathi kwe-Euribor nesibambiso sethu, ngoba inzalo iyahluka njalo futhi nemalimboleko yasebhange iyashintsha. Ngakolunye uhlangothi, uma imali ebolekiwe isezingeni elingafani, abukho ubudlelwano obuqondile phakathi kwe-Euribor nesibambiso sethu.
Kungakho kunconywa ukubanjiswa kwemali mboleko yamanani eguquguqukayo kubantu abangafuni ukuhambisa ekukhathazekeni koshintsho olukhulu enanini lenzalo yasebhange, ukukhokhela imali ezinzile nokuhlukahluka.
Ngisithola kanjani isibambiso esilinganiselwe semali engabanjiswa?
Ingabe uzimisele noma unqume ngesibambiso esilinganiselwe semali? Kuhle, kepha ukuthola imali mboleko efanele uzodinga amathiphu athile ukuze uthole inkontileka enhle kakhulu.
- Musa ukukhokhela ibhange elilodwa nje; Amabhange ahlukene anikela ngeminikelo ehlukene yemalimboleko yempahla. Thola kahle ngezimo ezinkampanini ezahlukahlukene zebhange, ngakho-ke uzoba nohlu olubanzi lokuzikhethela.
- Bala imali okumele uyikhokhe; Usuvele uthathe isinqumo ngebhange elifanele, manje ngincoma ukuthi ulingise amanani okufanele ukhokhe ngokuya ngokuhlukahluka okukunikezwa yibhange lakho. Kunezicelo zamahhala kwi-intanethi ezikusiza ukuthi ubale amanani ozozikhokha, kufanele ugcwalise amanye amafomu ngezimo ibhange lakho elikunikeza zona, njengenzalo, umshuwalense namakhomishini.
- Imihlahlandlela yokubambisa ngempahla; Kukhona neminye imikhombandlela ekhethekile yokukusiza uthathe isinqumo ngokuthenga ngempahla efanelekile. IHelpMyCash ingenye yalezi zinkombandlela ezingasiza kakhulu.
Isiphetho
Uma uhlelo lwakho ukuthenga indlu futhi uyazi ukuthi uzohlala lapho isikhathi eside, lapho-ke kufanele ugxile ekuxhaseni imali yakho isilinganiso semali ebanjiswayo, ngoba akudingeki ukhathazeke ngezinguquko ezingalethwa ikusasa ngokuya ngezinkokhelo zakho. Izinga lenzalo liyashintsha, okungakuthinta eminyakeni ezayo futhi ungagcina ukhokha imali ethe xaxa ngempahla yakho oyibolekile kunalokho obekufanele ukhokhe empeleni.
Khumbula ukuthi lesi yisinqumo esibaluleke kakhulu, okumele usenze ngemuva kokubheka zonke izinketho ezitholakalayo. Kuyisinqumo somuntu siqu okufanele usicabangele isimo sezezimali okuso, ungakuthathi kancane bese unquma kahle.