Kuyinto elula futhi eqondakalayo mayelana nokuthi kunenzuzo kangakanani ukuthatha imali

Umbuzo wokuthi kunenzuzo engakanani ukuthatha imali, ungaphila empilweni yabantu bonke. Nakuba imibhangqwana ekhulayo iyacabangela ngakho. Qala impilo entsha endlini yakho yaba lula futhi yangempela, ngenxa yezinhlelo eziningi zebhange. Kodwa into esemqoka akumele ilahlekelwe ekukhetheni imali ebaluleke kunazo zonke empilweni, ngoba lesi sinqumo sithathwa iminyaka engu-20 noma engu-30. Ake sibheke amaphuzu amakhulu ngokuningiliziwe.

Ukufuna ibhange

Khuluma ukuthi kunenzuzo engakanani ukuthatha imali, ngokuqinisekile kufanele uqale ngamabhange. Asikho isixazululo esiqondile kubo bonke abantu. Amabhange anikeza izinhlelo ezihlukahlukene kanye nokukhushulwa okukhethekile kwamacembu ahlukene abantu. Omunye unciphisa izinga labasebenzi basezikhundleni, omunye umuntu - omndeni omusha. Ngaphansi kohlelo olukhethekile ungathola nodokotela nabasebenzi, udinga nje ukwazi izindaba zakamuva. Amathiphu okukhetha ibhange angahlukaniswa ngokuthi "angakwazi" futhi athi "hhayi":

- Awukwazi ukuqhubeka ngokuphathelene nabangani futhi uthembele ngokungazelelwe iseluleko sabo.

- Awukwazi ukufunda isivumelwano sebhange ngokucophelela.

- Awunakuzithemba ngokuzethemba ukukhangisa namazinga aphansi.

- Ungalandela izindaba zebhange kumawebhusayithi asemthethweni.

- Ungathola mayelana nemibandela yebhizinisi ebhange lapho inhlangano yakho isebenza ngayo.

- Ungabonisana nabeluleki abahlukahlukene bezikweletu.

Ukulandela lawa macebiso, uzokhetha ibhange lapho kungcono ukuthatha imali.

Hlola amathuba

Ibhange liyinkimbinkimbi, ngeke lifake isikhundla sakho, ngeke likholelwe umholo ompunga, ngakho-ke kufanele uqaphele amathuba akho. Uma ukhetha ukuthi kunenzuzo kangakanani ukuthatha imali, qaphela ukuthi umbolekiso unenkomba eziningana. Lona inani lokukhokha okuphansi ozimisele ukukhokha ngokushesha. Izinga lentengo yonyaka , uhlobo lokukhokha: i-annuity noma ihlukaniswe, iminikelo eyengeziwe. Lezi zinsuku zihlanganisa izinhlobo ezahlukene zomshuwalense. Amanye amabhange adinga ukuqinisekisa isihloko sempahla, impilo noma ingcebo. Zonke lezi zinkomba zizonke zibonisa ubukhulu bokukhokhwa kwakho ngaphezulu. Wena, naye, ungabathonya. Isibonelo, ukukhokha okuphansi kunakho konke, ukwehlisa izinga lesithakazelo. Inani lemalimboleko lixhomeke emholo wakho wonke emndenini wakho, inani labathembeki, umlando omuhle wesikweletu kanye namarekhodi encwadini yokusebenzela. Nakuba isikweletu somboleko kumuntu omusha singakhishwa ngokwemigomo eminingi.

Kuthiwani uma ...

Lo mbuzo kufanele ube ngowokuqala kuqala, uma uyakwazisa umndeni wakho. Hlala ngaphandle kwefulethi uphinde uhlale emgwaqweni - inhlekelele enjalo ikulindele abanokweleta imali. Ngakho-ke, uma uhlola ukukhokhelwa kwenyanga, kudingeka uqaphele ngempela amathuba akho ezezimali. Kuyadangalisa kakhulu ukuthatha izikweletu eziningana zokuthenga indlu kanye ne-mortgage. Ngakho uthole imali eyengeziwe yokukhokhwa ngokwezimali nokunikezwa ngokweqile. Kuyinto engathandeki ukuboleka imali yokukhokhela imali. Kulokhu, amabhange athola inzalo kabili kuwe. Uma kwenzeka ukuthi kunenkinga ngemali yokukhokha imali, udinga ukufaka isicelo esikhungweni sezimali bese ubhala isitatimende esilandelayo ngencazelo eningiliziwe yezizathu. Ezimweni eziningi, ibhange lizokuhlangana futhi likhululwe ekukhokhweni kwesikweletu esikhulu, ukwandisa isikhathi se-mortgage. Noma kunjalo, usadingeka ukusula inani lezintshisekelo.

Ngakho-ke, ukubalwa okunembile nokubonisana komchwepheshe onolwazi kuzokutshela ukuthi kunenzuzo kangakanani ukuthatha imali. Futhi lo mbuzo okufanele ukhulunywe ngawo konke ukungathí sina.