Indlela ukuthatha ngetyala?

Mboleko zithandwa kakhulu kwilizwe lethu, kwaye mhlawumbi ehlabathini. Ngapha koko, abantu abaninzi wonge imali ungazi ukuba, noma, kodwa ufuna ukufumana le nto ngoku. Okwangoku, i-mboleko aba bangathatha nantoni na oyifunayo, kunye nefowuni, kwaye imoto kunye nendawo yokuhlala. Ngelishwa, asiyiyo yonke izazi zonke nezo ngetyala kwaye ngenxa oku kuwa phezu eninzi imali leyo inikwa ebhankini sele zizityebi. Ukuze athathe kakuhle mboleko kufuneka kancinci ukuqonda zonke nezo ngetyala, yaye hayi kangako.

Yonke imizi egcina imali, kukho izicwangciso lweerhafu ezininzi:-phezulu hoxa, zinengeniso esezantsi anengeniso ephakathi. umsebenzi Bank, kunye nokubhaliswa ngetyala, isoloko ikhangela indoda yena uzama ukunyanzelisa rate nenzuzo. yomvuzo womqeshwa Bank kuxhomekeke mboleko kakuhle, ukuba mboleko iza kuba sikwancedela ebhankini, umsebenzi ebhankini, ngokwenza imali-mboleko, bafumane umsebenzi olungileyo, yaye ukuba umba isantya esezantsi anengeniso, ibhanki iya kufumana kancinci kancinci kwaye phantse akazange ayisebenzi. On iindlela ezahlukeneyo, ngokuxhomekeke ingozi iimpahla akanamdla yayo phezu egqithisileyo. Umzekelo, ukuba uthatha imali kuba lifuna izixhobo zekhompyutha, akuthandeki ukuba yonke imali egqithisileyo kuya kuba ngaphantsi 26%. Ubuncinane kwisixeko sethu mna, Andikuboni iimeko ezinjalo.

Abantu abaninzi bathanda mboleko ngaphandle intlawulo phantsi. Kuyo nayiphi na imeko awukwazi ukuthatha imali-mboleko ebhankini phantsi kweemeko ezinjalo. Ngokugqithisileyo apho ufumana Uyageza, hayi nje kuphela ngenxa yokuba imali mboleko mkhulu ngokuba mkhulu loo overpayment, kodwa ngenxa yokuba ingozi yibhanki kunye nale ngetyala kunye nengozi ukunyamekelayo kwi ixabiso letyala. Okukhona yindlela yokuphumelela nalo apha ngakumbi.

Kufuneka nanini ukuze ndingaqhayisi igama, njenge "10-10-10". La manani athetha ukuba intlawulo yokuqala ye-10 ekhulwini, imali-mboleko ithathwa iinyanga ezili-10, kwaye egqithisileyo yi-10 ekhulwini. Musani ukuholwa. Baya kubonisa isixa osidingayo ukuze uhlawulele nyanga nganye, kodwa ukuba ukubala iindleko ezigqithisileyo ukuya sokubala kuya kuba-10%, kodwa, umzekelo, 30-40 okanye 50%. Kakhulu ngokugqithisileyo livela yokuba kusekho into efana inshorensi le-inshorensi ibiza imali entle. Enyanisweni, xa uthatha into ezixabisa 20 lamawaka. Engange yesi sicwangciso lweerhafu, le egqithisileyo uya kuba ngamawaka-2. Engange, kunye ne-inshorensi iya kuxabisa 5-6 engange, kwaye maxa wambi 8 th. Engange. Ngoko ke, phambi kokuba utyikitye isivumelwano sentengo yemboleko, Uthatha ifowuni, vula wokubala ubale, wenze isidenge okanye hayi.

Ndiye nokulungisa iikhompyutha, yaye ngamanye amaxesha ukunceda abantu bathenga iikhompyutha, abanye abathengi ukuthatha ngetyala. amaxesha amaninzi ke ukuba ucele ukukhupha adunyiswe isicwangciso kunye nezicelo-26% enjalo irhafu. Amaxesha aliqela bababuza besithi, ngaba ucinga ukuba ngokuqinisekileyo, kwaye egqithisileyo iya kuba-26% bathi ukuba. Kwaye xa ikhalityhuleyitha ngokwayo iya ukubala, kuvela hayi ukuya kwi-26%, 36% okanye ngaphezulu. Ngoko kuze bathembane abasebenzi zebhanki kwaye wenze zonke itshekhi emva wokubala, leyo kuzo zonke ifowuni.

Ngokulandela le mithetho kunye nolwazi kwezi bokuqonda ziya kukunceda ugcine imali yakho nzima.