Indlela Yokuthatha Nokubuyisela Imali Ebolekiwe

Namuhla, izinsiza zokuboleka zifinyeleleka kakhulu kunangaphambili. Ungathatha isamba esikhulu noma esincane sesikweletu kunoma yikuphi ukuthenga, ukusuka efulethini kuya ezintweni zikagesi zasendlini. Ngaphezu kwalokho, namuhla, ungathatha imali mboleko usebenzisa isicelo ocingweni lwakho, njengokuthi, ngokwesibonelo, i I-Payday Loans App. Kodwa-ke, naphezu kokuthandwa okuphezulu kwemali mboleko, abaningi abazi ukuthi bangayisebenzisa kanjani le sevisi ngendlela efanele futhi bazifake ezikweletini. Yingakho, kungakhathaliseki ukuthi hlobo luni lwemalimboleko nokuthi uhlela ukuyithatha ngani, kunemithetho okufanele wonke umuntu ayazi.

Bala ukuthi Ingakanani Imali Ebolekiwe Ongayibuyisela

Umthetho wokuqala womboleki: hlola amandla ezezimali ngaphambi kokuthatha izibopho zesikweletu.

Kuhle uma inkokhelo yemalimboleko yanyanga zonke ingekho ngaphezu kwama-30% emali engenayo yomboleki. Uma umndeni uboleka imali, akufanele ibe ngaphezu kuka-50% wemali engenayo yomunye wabashade nabo. Uma inani lokukhokha imali likhulu, umthwalo kumuntu uphakeme, futhi uma kwenzeka ukwehla kwemali engenayo, bayoba sengozini kakhulu.

Cabangela izimo lapho isimo sakho sezezimali singase siwohloke kakhulu. Uma, esimweni esibi kakhulu, ungaqhubeka nokubuyisela imali ebolekiwe ngaphandle kokuphazamiseka, ikufanele.

Yenza Ukucwaningwa Kwemalimboleko Ekhona

Uma unezikweletu ezikhona, kubalulekile ukuzicwaninga, ubhale phansi ukuthi yimaphi amanani athathiwe futhi ngamaphesenti amangaki, futhi uthole inani lemali ekhokhiwe ngokweqile kulezi mboleko.

Ochwepheshe badonsela ukunaka kwakho eqinisweni lokuthi konke kufanele kucatshangelwe izibopho zezikweletu - izikweletu, ama-mortgages, amakhadi esikweletu, nezinye izikweletu. Ngakho-ke, umthwalo wesikweletu kufanele ubalwe ukuze izinkokhelo kuzo zonke izinhlobo zezikweletu zingabi ngaphezu kwama-30% wemali engenayo yanyanga zonke yomuntu noma umndeni.

Khokha Imalimboleko Ngesikhathi

Isici esibalulekile lapho ukhokha izikweletu ukufika ngesikhathi. Uma kungenjalo, isikweletu sizoba sikhulu, futhi ngenxa yokukhokha sekwephuzile, isilinganiso sakho sesikweletu sizokwehla.

Khokha Imali Ebolekiwe Kusenesikhathi Uma Kungenzeka

Ukuze ubuyisele imali ngokushesha, ungenza uhlelo lokubuyisela imali ebolekiwe kusenesikhathi. Izindlela ezimbili ngokuvamile zisetshenziswa:

• Economic — khokha imali ebolekiwe ngemali engaphezulu noma ngenani eliphakeme kakhulu bese wehlisa inani lemali ekhokhiwe ngokweqile.
• Psychological - buyisela izikweletu ezincane ngokugcwele, ngamunye ngamunye; lena yindlela umuntu abona ngayo ukuthi isikhathi ngasinye, kuba nenye imali encane ebolekiwe, ukuzethemba, namandla abonakala ekhokha izikweletu ezisele.

Sabalalisa Isabelomali Sokukhokhelwa Kwemalimboleko Ukuze Izikweletu Zingaqongeleleki

Ukuze ugweme ukuqongelela isikweletu semalimboleko, kufanele ubeke phambili izinkokhelo zezikweletu, ezinye izindleko eziyisibopho, njengezindlu nezinsizakalo zomphakathi, ukudla, kanye nakho konke okunye lapho uhlela isabelomali sakho.

Yenza uhlu lwezindleko zakho kusukela kokubaluleke kakhulu kuye kokubalulekile okuncane kakhulu. Lapho izinto ezibalulekile zokusebenzisa imali zibekwe ngokucacile, awekho amathuba okuthi ngeke ube nemali eyanele yokukhokha imali ebolekiwe noma enye into ebalulekile. Ngokushesha ngemva kokuthola noma yiluphi uhlobo lwemali engenayo, kufanele ubeke eceleni inani lokukhokha/ukukhokha imali ebolekiwe.