Izimali mboleko zomuntu siqu zisebenza njengezindlela zokuphila ngesikhathi sezimo eziphuthumayo zezimali noma lapho abantu bedinga izimali ngezinjongo ezihlukahlukene njengokuqinisa izikweletu, ukulungiswa kwendlu, noma izindleko ezingalindelekile. Kodwa-ke, imigomo yalezi zimali mboleko ingase ingahlali ivuna kakhulu. I-Refinancing isu lezezimali elibandakanya ukushintsha imali ebolekiwe ekhona kufakwe entsha, ngokuvamile ukuvikela imigomo engcono noma ukushintsha ukwakheka kwezimali mboleko ukuze kulingane kangcono nesimo sezimali somboleki. Ngokuxhasa ngezimali kabusha, ababoleki bahlose ukonga imali ngesikhathi sempilo yemali mboleko noma bafinyelele imigomo yabo yezezimali.
Inhloso yokubuyisela imali
Injongo yokukhokha kabusha imali mboleko yomuntu siqu ingahluka kuye ngezinjongo zezimali zomuntu kanye nezimo. Nazi ezinye izizathu ezivamile zokuthi kungani abantu bakhetha ukukhokhela kabusha izikweletu zabo.
a. Amazinga enzalo aphansi
Esinye sezisusa eziyinhloko zokuthola imali kabusha ukuthola izinga lenzalo eliphansi lemalimboleko entsha uma kuqhathaniswa naleyo ekhona. Izinga lenzalo eliphansi lingaholela ekongeni okubalulekile phakathi nesikhathi semali mboleko, kwehlise inani lenzalo ekhokhwayo kanye nezinkokhelo ezingase zehle njalo ngenyanga.
b. Izinkokhelo zanyanga zonke ezehlisiwe
Ukubuyisela imali kungasiza ababoleki behlise izinkokhelo zabo zanyanga zonke ngokwelula isikhathi sokukhokha semali mboleko. Nakuba ukwelula isikhathi kungase kuphumele ekukhokheni inzalo eyengeziwe ngokuhamba kwesikhathi, kungase kunikeze impumuzo esheshayo kubantu abadonsa kanzima ngezinkokhelo zanyanga zonke.
c. Ukuhlanganiswa kwezikweletu
Abantu abanezikweletu eziningi noma izikweletu ezinenzalo ephezulu bangase bakhethe ukubuyisela imali mboleko yabo ukuze bahlanganise isikweletu sabo sibe imali mboleko eyodwa, elawulekayo. Ukuhlanganisa isikweletu kungenza izibopho zezimali zibe lula, kwehlise inani lezinkokhelo zanyanga zonke, futhi kuvikele izinga lenzalo eliphansi eliphelele.
d. Ukwenziwa ngcono kwemibandela yokubolekwa imali
I-Refinancing ivumela ababoleki ukuthi baguqule izici ezahlukahlukene zemibandela yabo yemalimboleko ukuze ihambisane kangcono nezidingo zabo zezezimali. Lokhu kungase kuhlanganise ukushintsha ukusuka kokuguquguqukayo ukuya kusilinganiso senzalo esingaguquki, ukulungisa isikhathi semalimboleko, noma ukufinyelela izimali ezengeziwe ngezinjongo ezithile ezifana nokuthuthukiswa kwekhaya noma ukuhlanganiswa kwezikweletu.
e. Ukufinyelela ezicini ezingcono zemalimboleko
I-Refinancing inikeza ithuba kubaboleki ukuthi bafinyelele izici ezingcono kakhulu zemalimboleko noma izinzuzo okungenzeka bezingakatholakali ngemali mboleko yabo yoqobo. Lokhu kungase kuhlanganise izici ezifana nezinketho zokukhokha eziguquguqukayo, akukho zimali zomsuka, noma ikhono lokweqa inkokhelo esimweni sobunzima bezezimali.
f. Isikolo sesikweletu esithuthukisiwe
Izinkokhelo ezifika ngesikhathi emalini ebolekiwe ebuyekeziwe zingasiza ukuthuthukisa amaphuzu esikweletu somuntu ngokuhamba kwesikhathi. Amaphuzu esikweletu aphezulu angase afanele ababolekayo ukuthola imigomo engcono yokubolekwa kanye nezinga lenzalo emalini ebolekiwe yesikhathi esizayo nemikhiqizo yezezimali, ekugcineni ibalondolozele imali ngokuhamba kwesikhathi.
g. Balekela ekubolekweni kobuqili
Kwezinye izimo, abantu kungenzeka bathole imali mboleko yomuntu siqu enemibandela engathandeki kubabolekisi abangodlakela. I-Refinancing inikeza ithuba lokugqashula emalini ebolekiwe futhi uvikele imigomo enengqondo kubabolekisi abahlonishwayo, ukuvikela ababolekayo ezinkokhelweni ezeqisayo namazinga enzalo aphezulu.
h. Ukulungiswa kwezimo zezezimali ezishintshayo
Izimo zokuphila zingashintsha ngokungalindelekile, zithinte ikhono lomuntu lokufeza izibopho zezimali. I-Refinancing ivumela ababoleki ukuthi balungise imigomo yabo yemalimboleko ukuze ivumelane nezinguquko emalini engenayo, ezindlekweni, noma ezinye izinto ezibalulekile zezimali, okuhlinzeka ukuguquguquka okukhulu nokuzinza.
Ukucatshangelwa ngaphambi kokubuyisela imali
Ngaphambi kokubuyisela imalimboleko yomuntu siqu, kubalulekile ukuhlola ngokucophelela izici ezihlukahlukene ukuze uqinisekise ukuthi isinqumo sihambisana nemigomo yakho yezezimali kanye nezimo. Nazi ezinye izinto ezibalulekile okufanele uzikhumbule ngaphambi kokwenza imali kabusha.
a. Izilinganiso zenzalo zamanje
Hlola izinga lenzalo yamanje yemalimboleko yakho ekhona bese uyiqhathanisa namazinga emakethe akhona. Ukubuyisela imali kuyinzuzo enkulu uma ukwazi ukuvikela izinga lenzalo eliphansi emalinimboleko entsha. Kodwa-ke, kubalulekile ukucabangela noma yiziphi izindleko zangaphambili ezihambisana nokuxhaswa ngezimali kabusha ukuze unqume ukuthi ukonga okungaba khona kuyazidlula yini izindleko.
b. Isikhathi semalimboleko
Linganisa isikhathi esisele semalimboleko yakho yamanje nokuthi ukubuyisela imali kungase kube nomthelela kanjani emugqeni wesikhathi ophelele wokukhokha. Ukwelula isikhathi sokubolekwa kunganciphisa izinkokhelo zanyanga zonke kodwa kungase kuphumele ekukhokheni inzalo eyengeziwe phakathi nesikhathi semali mboleko. Ngokuphambene, ukukhetha isikhathi esifushane semalimboleko kungase kwenyuse izinkokhelo zanyanga zonke kodwa kungonga imali yenzalo ngokuhamba kwesikhathi.
c. Izimali nezindleko
Cabangela izinkokhelo nezinkokhiso ezihambisana nokuxhasa ngezimali kabusha, okuhlanganisa izimali zokuqala, izindleko zokuvala, kanye nanoma yiziphi izinhlawulo zokukhokha kusengaphambili emalini ebolekiwe ekhona. Lezi zindleko zingahluka kakhulu kubabolekisi futhi zingase zibe nomthelela ekusebenzeni kahle kwezindleko zokubuyisela imali. Qinisekisa ukuthi ukonga okungaba khona okuvela ekuxhasweni kabusha kwezimali kuyadlula izindleko ezitholiwe.
d. Isikolo sekhredithi
Isikolo sakho sesikweletu sidlala indima ebalulekile ekunqumeni izinga lenzalo kanye nemibandela oyifanelekelayo lapho ufaka kabusha izimali. Amaphuzu esikweletu aphezulu ngokuvamile aholela ekunikezweni kwemali mboleko okuhle kakhulu, okuhlanganisa amanani enzalo aphansi nezinkokhelo. Ngaphambi kokwenza imali kabusha, hlola umbiko wakho wesikweletu futhi uthathe izinyathelo zokuthuthukisa isikolo sakho uma kunesidingo, njengokukhokha izikweletu ezikhona kanye nokuxazulula noma imaphi amaphutha embikweni wakho wesikweletu.
e. Isilinganiso sesikweletu nemali engenayo
Ababolekisi baphinde bacabangele isilinganiso sakho sesikweletu neholo lapho behlola izicelo zemalimboleko. Lesi silinganiso siqhathanisa izinkokhelo zezikweletu zakho zenyanga nesamba semali oyitholayo ngenyanga futhi sisiza ababolekisi ukuthi bahlole ikhono lakho lokukhokha imali ebolekiwe. Isilinganiso esiphansi sesikweletu semali engenayo sibonisa ubungozi obuphansi bezezimali futhi singathuthukisa amathuba akho okufaneleka ukuthola uxhaso lwezimali ngemibandela evumayo.
f. Inhloso yokuboleka imali
Nquma inhloso eyinhloko yokukhokha kabusha imalimboleko yakho yomuntu siqu. Kungakhathaliseki ukuthi ufuna ukunciphisa izindleko zenzalo, ukwehlisa izinkokhelo zanyanga zonke, ukuhlanganisa isikweletu, noma ukufinyelela izici ezingcono zemalimboleko, ukuqonda izinjongo zakho kungakusiza ukhethe inketho yokubuyisela imali efanele kakhulu. Cabangela ukuthi ukubuyisela kabusha kuhambisana kanjani nemigomo yakho yezezimali iyonke nokuthi kunikeza izinzuzo ezibonakalayo esikhathini esifushane nesikhathi eside.
g. Sisonke isimo sezimali
Bheka ngokuphelele isimo sakho sezezimali ngaphambi kokuthatha isinqumo sokuxhasa ngezimali. Cabangela izici ezifana nokuzinza kweholo, isimo sokuqashwa, izibopho zezimali zesikhathi esizayo, nokonga kwesimo esiphuthumayo. Ukuxhasa ngezimali kabusha kungaba nomthelela wesikhathi eside empilweni yakho yezezimali, ngakho-ke kubalulekile ukuqinisekisa ukuthi isinqumo sizifanela kahle izidingo zakho zezimali zamanje nezesikhathi esizayo.
h. Ukuqhathaniswa kweminikelo yemalimboleko
Thenga eduze futhi uqhathanise okunikezwayo kwemali mboleko evela kubabolekisi abaningi ukuze uthole imigomo yokuncintisana kakhulu. Bheka ngalé kwesilinganiso senzalo futhi ucabangele izici ezifana nemibandela yokukhokha, idumela lesevisi yamakhasimende, kanye nokuvumelana nezimo kwemali mboleko. Ngokuhlola izinketho ezihlukahlukene, ungenza isinqumo unolwazi futhi ukhethe inketho yokubuyisela imali evumelana kangcono nezidingo zakho nokuncamelayo.
Inqubo yokuxhasa ngezimali kabusha
Ukunikeza kabusha imali ebolekiwe yomuntu siqu kuhilela izinyathelo ezimbalwa, kusukela ekuhloleni imigomo yakho yemalimboleko yamanje kuya ekuqedeni inqubo yokufaka isicelo kabusha. Nansi inkomba yenqubo yokukhokha kabusha imali mboleko yomuntu siqu.
a. Linganisa imalimboleko yakho yamanje
Qala ngokubuyekeza imigomo yemalimboleko yakho ekhona. Qaphela izinga lenzalo, ibhalansi esele, izinkokhelo zanyanga zonke, kanye nanoma yimiphi eminye imininingwane efanele. Ukuqonda imigomo yakho yemalimboleko yamanje kuzokusiza ukuthi uhlole ukuthi ukubuyisela imali kuyinketho esebenzayo.
b. Setha imigomo yakho yokubuyisela imali
Nquma izinhloso zakho zokuthola kabusha imali. Ingabe ubheke ukwehlisa izinga lakho lenzalo, unciphise izinkokhelo zanyanga zonke, uhlanganise isikweletu, noma ufinyelele izici ezingcono kakhulu zemalimboleko? Ukuchaza ngokucacile izinhloso zakho kuzoqondisa izinqumo zakho zezimali kabusha.
c. Hlola isikolo sakho sesikweletu
Isikolo sakho sesikweletu sidlala indima ebalulekile ekunqumeni izinga lenzalo nemibandela ozoyifanelekela uma ufaka kabusha izimali. Thola ikhophi yombiko wakho wesikweletu futhi uhlole isikolo sakho. Uma isikolo sakho sesikweletu sesithuthukile kusukela uthole imali oyibolekile yoqobo, ungase ufaneleke ukuthola imigomo engcono yokubuyisela imali.
d. Ucwaningo lwababolekisi
Hlola ababolekisi abahlukene abanikeza ukubuyiselwa kwemali mboleko yomuntu siqu. Cabangela amabhange, izinyunyana zezikweletu, ababolekisi be-inthanethi, nezinkundla zokuboleka kontanga kuya kontanga. Qhathanisa izilinganiso zenzalo, izinkokhelo, imigomo yokubuyisela, nokubuyekezwa kwamakhasimende ukuze uhlonze ababolekisi abathembekile abahambisana nezidingo zakho.
e. Ukufaneleka
Ababolekisi abaningi banikeza izinqubo zokufaneleka ezikuvumela ukuthi ubone ukunikezwa kwemali mboleko ofaneleka ukuyithola ngaphandle kokuphazamisa isikolo sakho sesikweletu. Thumela ulwazi oluyisisekelo njengeholo lakho, isimo somsebenzi, kanye nenani lemalimboleko ukuze ufaneleke kuqala kubabolekisi abaningi. Lesi sinyathelo singakusiza unciphise izinketho zakho futhi ugxile kubabolekisi abanikeza imigomo yokuncintisana.
f. Qoqa amadokhumenti adingekayo
Lungiselela imibhalo edingekayo yesicelo sokuxhasa ngezimali kabusha. Amadokhumenti avamile angase ahlanganise ubufakazi bemali engenayo (izitifiketi zokukhokha, izimbuyiselo zentela), umazisi (ilayisensi yokushayela, ipasipoti), kanye nemininingwane yemalimboleko yakho ekhona (izitatimende ze-akhawunti, inani lenkokhelo).
g. Thumela isicelo sokubuyisela imali
Uma usukhethe umbolekisi, qedela inqubo yokufaka isicelo kabusha. Nikeza ulwazi olunembile namadokhumenti ukusekela isicelo sakho. Zilungiselele ukudalula imininingwane ngeholo lakho, umsebenzi, izimpahla, nezikweletu.
h. Buyekeza ama-pffers wemalimboleko
Ngemva kokufaka isicelo sakho, buyekeza iminikelo yemalimboleko oyithola kubabolekisi. Naka kakhulu inani lenzalo, i-APR, izinkokhelo, imigomo yokukhokha, kanye nanoma yimiphi eminye imigomo nemibandela efanele. Qhathanisa okunikezwayo okuningi ukuze uqinisekise ukuthi uthola idili elingcono kakhulu.
i. Khetha okunikezwayo okuhle kakhulu
Linganisa ukunikezwa kwemali mboleko ngokusekelwe emigomeni yakho yokubuyisela imali, isimo sezezimali, nokuncamelayo. Khetha okunikezwayo okunikeza imigomo engcono kakhulu futhi eqondana nezinjongo zakho. Cabangela izici ezifana nezilinganiso zenzalo, izinkokhelo, isikhathi semalimboleko, kanye nezindleko zizonke.
j. Vala imalimboleko yakho ekhona
Uma wamukela umtitilizo wokubuyisela imali, umbolekisi omusha uzosingatha inqubo yokukhokhela imali oyibolekile ekhona egameni lakho. Qinisekisa ukuthi imali mboleko endala ivaliwe nokuthi awekho amabhalansi asele noma izibopho.
g. Buyekeza imigomo yokugcina yemalimboleko
Ngaphambi kokuphothula isivumelwano sokubuyisela imali, buyekeza ngokucophelela imigomo nemibandela yemalimboleko ehlinzekwe ngumbolekisi omusha. Qiniseka ukuthi uyaziqonda zonke izici zemalimboleko entsha, okuhlanganisa amanani enzalo, izinkokhelo, ishejuli yokukhokha, kanye nanoma yimiphi imigomo eyengeziwe.
h. Sayina amadokhumenti emalimboleko
Uma usunelisekile ngemibandela yokubolekwa imali, sayina amadokhumenti okubuyisela imali anikezwe ngumbolekisi. Buyekeza idokhumenti ngayinye ngokucophelela futhi ubuze imibuzo uma kukhona okungacacile. Qiniseka ukuthi ugcina amakhophi awo wonke amadokhumenti asayiniwe kumarekhodi akho.
k. Qala ukukhokha
Ngemuva kokuthi ukukhokha kabusha sekuqediwe, qala ukukhokha imali ebolekiwe entsha ngokwemibandela okuvunyelwene ngayo. Misa izinkokhelo ezizenzakalelayo uma kungenzeka ukuze uqinisekise ukukhokha ngesikhathi futhi ugweme izinkokhelo sekwephuzile. Gada i-akhawunti yakho yemalimboleko njalo ukuze ulandelele inqubekelaphambili yakho futhi uhlale wazi izinkokhelo zakho.
Isiphetho
Ukunikeza kabusha imali mboleko yomuntu siqu kunikeza umnyakazo wamasu wezezimali kubaboleki abafuna ukonga imali, ukwehlisa izinkokhelo zanyanga zonke, noma ukuhlanganisa isikweletu. Ngokuthola imigomo engcono ngokuxhasa ngezimali kabusha, abantu bangathuthukisa inhlalakahle yabo yezezimali futhi bafinyelele imigomo yabo ngempumelelo kakhudlwana. Kodwa-ke, kubalulekile ukucabangela ngokucophelela izici ezifana nezilinganiso zenzalo, izinkokhelo, nemibandela yemalimboleko ngaphambi kokuqhubeka nokubuyisela imali. Ngokucwaninga okuphelele, ukuhlela ngenkuthalo, nokuphathwa kahle kwezimali, ukuxhasa ngezimali kabusha kungaba ithuluzi elibalulekile lokuthuthukisa iphothifoliyo yomuntu yokubolekwa imali kanye nokuzuza uzinzo lwezezimali lwesikhathi eside.