Uhlelo lokusetshenziswa kwemali yasekhaya: kwamandla ethu kungenzeka?

Uma uke ufike izindleko zenu, niyobe uyoba umangale! tibalo esikhulu semali esichithwa zonke izinhlobo inhlebo ezingadingekile. Ngokwesibonelo, i-ukuthengwa:

• amaswidi;
• imikhiqizo wekhasi okusezingeni eliphezulu (ikhofi endaweni yokudlela, Burgers);
• izinto akusizi kakhulu ukuthi angaphansi izaphulelo okukhulu;
• imikhiqizo ezifana nalezo usunayo (igama elifanayo, kodwa lowehlukile, iphunga ezahlukene, njll);
• imikhiqizo akudingeki wena ngokushesha (ngokuvamile abazi singaba usizo kabi esikhathini esizayo);
• ngezinto ezingelutho cute.

Uma ingxenye uhlelo lokusetshenziswa kwemali yasekhaya, futhi nizolilalela ukusilandela, uzoshesha ukuza lapho ayeya khona. Kodwa kudingeka siqale kubo. Kungani udinga khona? Ingabe ufuna ukusindisa imali ukuthengwa abalulekile? Kubuhlungu ukwazi ukuthi uhola kakhulu, kodwa lutho ungakwazi ukukhokhela? Ufuna ukufunda ukulondoloza? Noma eliqhutshwa isisusa? Kubalulekile ukucacisa. Asikho isidingo ukuhlela ngoba eziningi kangaka ukukwenza. Lokhu aliholeli lutho.

Kanjani ukubala ibhajethi umndeni?

Ziningi izinhlelo zokuhlela. Kodwa abaningi ayifanele ngenxa nesifanekiso salo. Inketho engcono - ukugcina amarekhodi njengenhlangano isipredishithi Excel. Kokunye ikholomu ubhale phansi konke, imali, kwesinye - izindleko.

Abanye abantu bakhetha ukusebenzisa isimiso esikhethekile omakhalekhukhwini okusiza ukugcina ibhajethi umndeni. Lena elula kakhulu ngoba ngokushesha emva kokuthenga, ungarekhoda nemali oyisebenzisile.

uzokwazi ukufinyelela eziphethweni eziqinisekile ngesisekelo ngenyanga yokuqala idatha. Uyini nemali uchithe kahle? Noma yimuphi izindleko ungase elayiholela? Ngokusekelwe kulezi okutholakele, uzokwazi ukuhlela okwenzayo.

Kanjani ukwakha uhlelo lokusetshenziswa kwemali yasekhaya?

Umthetho wokuqala we-abacebile: alibale amaphesenti engenayo. I-Gold Standard - 10%. Uma kungenzeka, kungcono ukulondoloza ngaphezulu. Izinga lokuphila umndeni wakho ngeke kushintshe ngenxa yalokhu esincane. Nokho, ngokuhamba kwesikhathi uyokwazi ukulondoloza ngempela imali eningi. Lezi 10% noma kunjalo ayikwazi wachitha. Inketho engcono - ukutshala kwabo kwenye. Mabalethe wena isithakazelo.

Uma unezikweletu ngesikweletu noma aboleke imali, cabanga buyiselo icebo labo. Ukuze balahle kubo ngokushesha ngangokunokwenzeka. Nquma ukuthi kungakanani ongakusho ukwaba njalo ngenyanga ukuze zimboze izikweletu.

Uma ufuna ukulondoloza imali kwi yokufuna abalulekile, wenze umndeni isabelomali lemali ukuthi uhlela ukuhlehlisa njalo ngenyanga. Okulandelayo cabangela izindleko ezibalulekile, lapho ungase ukwazi khona angali, futhi izindleko zenyanga zazo ayishintshi (noma izinguquko kancane). Lezi zihlanganisa umshuwalense auto, ngezidingo, izindleko kwamathikithi, ukuqeqeshwa nokunye.

Manje cabanga phezu nezinye izindleko kubalulekile - ukudla, izingubo, izipho, iholide nokunye.

Uma 'le-debit nge-credit, "kanzima hhayi izingxenye, lapho ezimbili ongakhetha kukhona. Eyokuqala - ukunciphisa izindleko, kwesibili - ukwandisa imali engenayo. Lapho okufana sokuqala efanele nganoma iyiphi indlela. Abantu abaningi abasanda kuqala ukuhola uhlelo lokusetshenziswa kwemali yasekhaya, wazi ukuthi ngokudela amaswidi, ukudla okulula kanye nemikhiqizo yokukhangisa, babekwazi ukulondoloza imali eningi futhi ukukhokha off the loan ngokushesha.

Kodwa musa banciphise izindleko ubuncane. Ikakhulukazi, wena kudingeka avumele wena ukuphumula okuhle. Uma kungenjalo ngokushesha waphonsa lo mbono.