Isabelomali Umkhaya: uhlelo, Amacebo, amathiphu

umndeni Young ngokushesha noma kamuva sibhekene nezinkinga zemali. Ngokwengxenye enkulu kuphakama uma umndeni akavumelananga , plan isabelomali ukuthi ufuna ukuba njalo ngonyaka. Ukuze uthole ukwaziswa mayelana nendlela ohlela bachithe imali, kungcono ukuxoxisana ngaphambi komshado. Lokhu okusindisayo eziningi izingxabano nokungaboni ngaso linye. Nokho, noma kunjalo, ukubuyela kulo mbuzo akukephuzi. Namuhla, senza uhlelo isabelomali umndeni.

i-nesisekelo esiqinile sezindinganiso

Ukubalwa ibhajethi umndeni kungcono ukwenza ethebuleni. Ukuze uqale ngenyanga ngayinye, ukurekhoda ukukhokhelwa ejwayelekile. Lokhu kungaba mortgage, loan, ngezidingo, nokukhokhwa ifoni ekhaya, Inthanethi kanye ithelevishini amasevisi. Futhi zihlanganisa ezinye izindleko fixed, ezifana lokunyenti, ngabe tinkomishi namadodakazi izifundo, ezemidlalo kwesigaba sendodana yakhe. Bese wengeza ethebuleni wenkokhelo ngabanye lokho kwenzeke kuwe kanye ngonyaka. Kuyadingeka ukuqinisekisa ukuthi babengakwazi ukumangala kuwe, futhi musa kungonakalisa isabelomali umndeni. Lezi zindleko ngokuvamile ahlanganisa yokukhokha izintela ngenxa efulethini nempahla, izinkonzo ezihlukahlukene ukuphepha kanye nokunye. Uma udlulisa ekwelapheni izifo kanye ngonyaka, isibonelo, kuqinisa amasosha omzimba entwasahlobo, ibuye labelwe ukulungisa leli nani.

Qhubekisa ngokuthwebula imininingwane

Manje, nicabanga imali yakho inani, ukhupha kuwo izindleko njalo ngenyanga futhi ulungise lokhu umehluko eduze igama ngenyanga. Ngale mali wena nizakuphila. Khona-ke isabelomali sethu somkhaya, okuyinto senza uhlelo kufanele ihlukaniswe izigaba ezahlukene: lemali ngoba ukudla, izindleko zasekhaya, ukugcinwa imoto, ukuzijabulisa nokunye. Lezi zigaba emkhayeni ngamunye ungaba bebodwa. Nqumani njengomkhaya ukuthi izindlela ukuthi ungachitha lokhu noma lokhuya isiqondiso. Ungakhohlwa ukushiya isamba ngokusebenzisa kwakho ilungu ngalinye lomndeni. Kungashiwo ukuthi ulungele ibhajethi umndeni, plan kulotshiwe. Nokho, kusadingeka Kungase kuphakame izinkinga. Lokhu kungenxa ukusetshenziswa kwemali esingalindelekile. Kubo, kufanele uhlale into "Reserve". Lokhu kuzokusiza okokuqala zifezeke isilinganiso esikahle imali imali emikhakheni ethile, futhi uya badukelwa lungile dlela, uma ngokungazelelwe ukugula noma uthole premium olulindelekile.

isabelomali ahlukene

Akubalwa bakha ibhajethi umndeni Imininingwane, elichazwa ngenhla uhlelo. Imibhangqwana eminingi musa ukungenza BONKE ngaphakathi FIKE mbundu, futhi bakhetha ukuhlala sikhumbula amezwi ahlukene kwezindleko kanye engenayo. Kungase kube izingxabano nakakhulu nokungaboni ngaso linye. Ngakho-ke kungcono uma nje uthanda yayibizwa echazwe, ucabangela izindleko zenyanga futhi minyaka yonke futhi pre-zibahlukanise bodwa ngokulinganayo. Ngokufanayo, kudingeka uhlukanise izindleko ukudla, nesondlo, izidingo zasekhaya. Ngenxa yalokho, ngamunye kufanele ahlale ejabule naleli cebo ezihlongozwayo. Cabanga inketho division ngokungalingani izibopho yemali, uma othile kini uthola inkokhelo ephansi.

engenayo ezingalindelekile

Lena ingxenye olukhethekile ibhajethi umndeni, okuyinto okunzima ukubikezela. Kulokhu, ukuze singathwesi ukudonsa yonke imali zokudla nezindawo zokudla, ubhalisele uhlu jikelele emigomweni yezezimali. Kufanele futhi ezikufanelayo kokubili. Izoqala nini le mali, vele ukhethe into kusuka ohlwini, futhi azikho izinkinga.