Uyiqonde kangcono imali ebolekiwe yasebhange

Kwezezimali, imali ebolekiwe yasebhange iyisamba semali umuntu wemvelo noma osemthethweni ayiboleka komunye umuntu wemvelo noma osemthethweni, ukuze athole ukubuyiselwa kwemali kwesikhathi esizayo yenani eliphelele kanye nenzalo ekhokhiswayo. Imali mboleko yasebhange ingakuvumela ukuba wenze kanjalo xhasa ngezimali iphrojekthi yakho.

Njengondlalifa, uma uboleka imali, uphinda ungene esikweletini ngokuba nesibopho sokukhokha uthishanhloko obolekiwe ngesikhathi okuvunyelwene ngaso.

Kungani ngikutshela konke lokhu? kahle, ngenxa nje yokuthi abantu abaningi bakhala ngenani okufanele libuyiswe ngosuku olunqunyiwe. Kodwa ngaphambi kokuthi uqale, nansi ukuqeqeshwa kwe-premium okuzokwenza ikuvumela ukuthi wazi zonke izimfihlo zokuphumelela kuPodcast.

🎉 Iyini imalimboleko?

Imali mboleko isivumelwano phakathi kombolekisi, ngokuvamile ibhange noma isikhungo sezikweletu, kanye nomboleki. Umbolekisi wenza isamba semali sitholakale kobolekayo, ozibophezele ukuyibuyisela phakathi nesikhathi esithile.

Kunezinhlobo ezahlukene zemalimboleko kuye ngokusetshenziswa kanye nesikhathi semalimboleko. THE imali ebanjiswayo ixhasa ngezimali ukuthengwa kwekhaya isikhathi eside, ngokuvamile esiphakathi kweminyaka eyi-15 nengama-25. Izinkokhelo zanyanga zonke azishintshi phakathi naso sonke isikhathi.

Le isilungele ukusetshenziswa isetshenziselwa ukuthenga okuhle, okokusebenza noma isevisi. Ubude bayo bufushane, kusukela ezinyangeni ezimbalwa kuya eminyakeni embalwa kuye ngenani. Izinkokhelo zanyanga zonke zilungisiwe. THE Imalimboleko yomuntu siqu uxhasa ngezimali iphrojekthi yomuntu siqu ngokuhamba kwesikhathi isilinganiso seminyaka emi-5 kuya kweyi-10. Izinkokhelo zanyanga zonke azishintshi.

Ekugcineni, ikhredithi ejikelezayo, njengekhadi lesikweletu noma umugqa wesikweletu, uvumela isikweletu esivumelana nezimo ngaphakathi komkhawulo ogunyaziwe. Ubuncane benkokhelo buhluka inyanga ngayinye. Funda kabanzi mayelana nemalimboleko yasebhange….

🎉Izinto okufanele uzicabangele mayelana nemalimboleko yasebhange

Ngaphambi kokufaka isicelo sokubolekwa imali, kufanele uzibuze ukuthi yi-a umqondo omuhle kuwe. Ukuboleka imali kuwumthwalo omkhulu okufanele uzithathele wona, futhi udinga ukwenza isiqiniseko sokuthi uzokwazi ukukhokha inani eliphelele kanye nenzalo nanoma yiziphi ezinye izindleko zezimali.

Uma nganoma yisiphi isizathu uhluleka ukukhokha imali ebolekiwe, ungase uthole izinhlawulo, okuyinto edabukisayo. Lezi zijeziso zingasukela emazingeni enzalo aphezulu kuye ekubuyiselweni kwempahla yakho kanye namarekhodi amabi obugebengu. Eqinisweni, ngaphambi kokufaka isicelo sanoma yiluphi uhlobo lwemalimboleko, udinga ukuhlola iholo lakho.

Uma ungumsebenzi, kufanele uthumele eyakho iziliphu zokukhokha futhi ngokunokwenzeka incwadi yeholo evela kumqashi wakhe. Kodwa-ke, uma uzisebenza, okudingeka ukwenze ukunikeza ubufakazi beholo lakho leminyaka emibili noma ngaphezulu edlule kanye nama-invoyisi uma ekhona.

Ukuze ugweme ukufinyelela kulesi sigaba sezinhlawulo, kufanele uqinisekise ukuthi uyakwazi ukwenza izinkokhelo ezidingekayo nyanga zonke ngosuku olunqunyiwe kanye nakamuva.

Kufanele wazi ukuthi idatha yesikweletu somuntu iyingxenye ebalulekile yokuthola umbiko wezezimali onembile. Izikweletu eziningi kakhulu ezivela emibikweni yakho zizolimaza ukufaneleka kwebhizinisi noma komuntu ngamunye iminyaka embalwa.

🎉 Izinhlobo zemali mboleko yasebhange

Kunezinhlobo eziningana zemali mboleko yasebhange. Uhlobo ngalunye lwemali mboleko luzoba nemigomo nezinzuzo ezahlukene, ngakho-ke uzodinga ukuziqhathanisa ngokulandelana ukuze unqume ukuthi iyiphi ekufanelekela kangcono wena nezidingo zakho.

✔️ imalimboleko yomuntu siqu 

Isikhathi esiningi, wonke amabhange anikela ngemalimboleko yomuntu siqu, noma ngabe iyimali mboleko kuqinisekisiwe noma cha. Imali mboleko yomuntu siqu engavikelekile isho ukuthi awufaki isibambiso njengendlu noma imoto uma kwenzeka uhluleka ukukhokhela imali oyibolekile.

Njengoba imali mboleko yomuntu siqu engavikelekile ingadingi isibambiso, ababolekisi ngokuvamile babheka imibiko yakho yezikweletu kanye nezikolo zezikweletu ukuze bakusize banqume ukuthi uyikhandidethi elihle yini lemalimboleko.

Ngokuvamile, abantu abanezilinganiso ze isikweletu esiphezulu izofaneleka ukuthola izimo ezingcono zokubolekwa imali. Ungase ufaneleke ukuthola imalimboleko yomuntu siqu engavikelekile noma ngabe isikweletu sakho silungile noma sisibi. Kodwa ungase ufune ukuthenga ukuze wenze isiqiniseko sokuthi izinga lenzalo kanye nenkokhelo yanyanga zonke kuyathengeka kubhajethi yakho.

Uma, ngakolunye uhlangothi, ufaka isicelo semali mboleko yomuntu siqu evikelekile, uzodinga ukunikeza uhlobo oluthile lwesiqinisekiso, njengemoto noma isitifiketi sediphozi, ukuze "uvikele" imali oyibolekile. Imali mboleko yomuntu siqu evikelekile imvamisa iza namazinga enzalo aphansi kunemalimboleko yomuntu siqu engavikelekile.

Inzuzo yemalimboleko yomuntu siqu ukuthi ungasebenzisa leyo mali ngendlela ofuna ngayo. Leli nani lemalimboleko yomuntu siqu lingasetshenziswa ukuya eholidini noma ukuthenga i-smartphone entsha.

✔️ imali mboleko yabafundi

Lena inketho enhle yokusiza abafundi. Izimalimboleko ezivame kakhulu kulesi sigaba zine amanani enzalo anengqondo kakhulu. Njengomfundi wesikhathi esigcwele, akudingeki ukuthi ubuyisele lezi zimali mboleko ngokushesha. Kodwa-ke, kufanele ukhokhe okufanayo lapho usuqedile izifundo zakho futhi uqala ukusebenza.

Inani lemali ebolekiwe lincike ezidingweni zomfundi, ubude besikhathi sokufunda kwakhe kanye namathuba akhe okubuyisela uma esengene empilweni yokusebenza. Umboleki akudingekile ukuthi athethelele ukusebenzisa kwakhe izibalo ezibolekiwe.

Angaphinde asetshenziselwe ukuxhasa ngezimali izifundo, ukukhokhela izindleko zansuku zonke (yokuqasha, idiphozithi, ezokuthutha, njll.) kanye nokuxhasa ngezimali ukutholwa kwempahla enkulu.

Amanye amabhange aphinde anikeze ukukhululwa okuqhubekayo, okusho ukuthi izimali zingakhishwa kancane ngonyaka, esikhundleni sokuthi zenziwe zitholakale zonke ngesikhathi esisodwa. Le fomula iyathakazelisa ngoba izimali zikhokhwa ngokuvumelana nezidingo zangempela zomfundi.

✔️ Izindlu ezibolekiwe

a i-mortgage yimalimboleko - enikezwa umabolekisi wezindlu noma ibhange - okuvumela umuntu ukuba athenge indlu noma indawo. Nakuba kungenzeka ukubolekwa imali ukuze ubhekane nazo zonke izindleko zendlu, kuvame kakhulu ukubolekwa imali cishe 80% ngenani lendlu.

Imali mboleko kufanele ikhokhwe ngokuhamba kwesikhathi. Indlu ethengiwe isebenza njengesibambiso semali ebolekwe kumuntu ukuze athenge indlu. Lezi yimalimboleko enkulu kunazo zonke ezake zatholwa.

Uma uhlela ukuthenga ikhaya lakho lokuqala noma indawo ethengiswayo, le mali ebolekiwe iyindlela efanele. Izindlu ezibolekiwe ziqinisekiswa yibhizinisi othenga kulo. Bheka umhlahlandlela wethu we konke mayelana nama-mortgages.

✔️ izikweletu zemoto 

Imoto ebolekwayo ayilutho ngaphandle kwemali oyiboleka wena njengomthengi emabhange noma ezikhungweni zezimali ukuze ufeze iphupho lakho lokuthenga imoto.

Imali mboleko yemoto iyimalimboleko yomthengi, inikezwa umuntu (noma inkampani) ofisa ukuthenga imoto entsha noma esetshenzisiwe. Njengoba engenalo inani elidingekayo lokuthenga okunjalo, lo muntu udinga imali futhi uphendukela enkampanini yezikweletu ukuze athole usizo.

Leli bhange likhokhela umdayisi esikhundleni somthengi futhi ngokushintshana lona wakamuva ubuyisela inani elifunekayo inyanga ngayinye ngendlela yenkokhelo yanyanga zonke. Ukubuyisela, ukhokha inani lemalimboleko eligunyaziwe ngenani lenzalo elishiwo.

Inkokhelo egcwele endaweni ethengisa izimoto yenziwa ibhange futhi wena, njengomthengi, uyaqhubeka ukhokhela ibhange isikhathi esithile ngenzalo esebenzayo kanye nezinkokhelo. Nasi isihloko ukuthi ikhuluma nawe ngokucacile mayelana nokubolekwa kwezimoto.

✔️ imalimboleko yosuku lokukhokha

Izimali mboleko zosuku lokukhokha ziyimalimboleko ku isikhathi esifushane kanye nezindleko eziphezulu ngokuvamile okumele ikhokhwe ngosuku lwakho olulandelayo lokuhola. Amazwe alawula ababolekisi bosuku lokukhokha ngendlela ehlukile, okusho inani lakho lemalimboleko etholakalayo, izimali zokubolekwa futhi isikhathi okufanele ukhokhe ngaso singahluka kuye ngokuthi uhlala kuphi. Futhi ezinye izifundazwe zivimbe ngokuphelele imali mboleko yosuku lokukhokha.

Ukuze ukhokhe imali ebolekiwe, ngokuvamile kuyodingeka ukuthi ubhale isheke langemuva kosuku noma ugunyaze umbolekisi ukuthi akhiphe ngokuzenzakalelayo inani olibolekile, kanye nanoma iyiphi inzalo noma izimali ezikhokhwayo, ku-akhawunti yakho yasebhange. Imali mboleko yosuku lwe-Payday inezinkokhelo eziphezulu ezingaba kumaphesenti waminyaka yonke wamazinga angaba khona fika ku-400%.

Ukuthola imali ebolekiwe yosuku lokukhokha kungaba usizo uma usesimweni esinzima futhi ungenayo imali oyilondolozile noma ungakwazi ukufinyelela ezinhlotsheni ezishibhile zekhredithi. Ngincoma lesi sihloko ukuqonda kangcono imininingwane yemali mboleko yosuku lokukhokha.

✔️ imali mboleko yezindlu

Imali mboleko ye-home equity wuhlobo lwemali mboleko evikelekile lapho ikhaya lakho lisetshenziswa njengesibambiso. Inani ongaliboleka lincike ekulinganeni kwekhaya lakho. Futhi kusekelwe emehlukweni phakathi kwevelu yemakethe yekhaya lakho kanye nenani olikweletayo ekhaya lakho.

Ngokuvamile awukwazi ukuboleka ngaphezu kuka-85% wemali elinganayo ekhaya lakho. Njengoba usebenzisa ikhaya lakho njengesibambiso, izinga lakho lenzalo ngemali mboleko ye-home equity lingase libe ngaphansi kunemali mboleko yomuntu siqu engavikelekile.

Ungasebenzisa imali ebolekiwe yezindlu zakho ngezinhloso ezehlukene, kusukela ekuthuthukisweni kwekhaya kuya ezinkokhelweni zezokwelapha.

✔️ Izikweletu zekhadi lesikweletu

Uma usebenzisa ikhadi lesikweletu, kufanele uqonde ukuthi uzodingeka ukuthi ubuyisele noma yikuphi ukuthenga okwenzayo ekupheleni komjikelezo wokukhokha. Amakhadi esikweletu amukelwa cishe yonke indawo, ngisho nalapho uya phesheya. Njengenye yezindlela ezilula kakhulu zokukhokha izikweletu zakho, isiphenduke uhlobo oludumile lwemali mboleko.

Ukuze ufake isicelo futhi ufaneleke ukuthola ikhadi lesikweletu, okudingeka ukwenze nje ukugcwalisa ifomu lesicelo elilula elinikezwe umkhiphi wekhadi. Ungaphinda ukhethe ukufaka isicelo sekhadi lesikweletu ku-inthanethi. Lawa makhadi epulasitiki anikeza imivuzo emikhulu nezinzuzo. Lesi yimalimboleko okufanele uyikhokhe ngesikhathi, yi-overdraft yasebhange.

Ngokusobala, zikhona izingibe ezihambisana nalolu hlobo lwemalimboleko. Kufanele uqonde ukuthi kunenzalo ephezulu emananini owabolekayo ekhadini lakho lesikweletu. Uma ungazikhokhi izikweletu zakho ngesikhathi, inzalo izoqhubeka nokunqwabelana. Ungase ukuthole kunzima ukuphatha izimali zakho ngokwenyuka kwebhalansi esele.

Kodwa uma usebenzisa ikhadi lesikweletu ngokuhlakanipha futhi usula zonke izikweletu zakho ngesikhathi, lingakufakazela lokho kumngane wakho omkhulu ephaketheni lakho. Ngiyakumema ukuthi ufunde lesi sihloko ukuze wazi indlela yokunciphisa izindleko zasebhange.

✔️ Izikweletu zamabhizinisi amancane

Izimalimboleko zamabhizinisi amancane ziyimalimboleko enikezwa amabhizinisi amancane naphakathi nendawo ukuze ahlangabezane nezidingo ezahlukahlukene zebhizinisi. Lezi zimali mboleko zingasetshenziswa ngezinhloso ezahlukahlukene ezisiza ekukhuleni kwebhizinisi.

Ezinye zazo zingabandakanya ukuthengwa kwezinto zokusebenza, ukuthengwa kwempahla, ukukhokhwa kwamaholo abasebenzi, izindleko zokumaketha, njll.

Imibandela yokufaneleka yemalimboleko yamabhizinisi amancane iyahlukahluka kuye ngomboleki kuye kuye ngomboleki. Okuvame kakhulu iminyaka yomnikazi webhizinisi, inani leminyaka ibhizinisi elisebhizinisini, amafomu entela, kanye nesitatimende sokudayiswa konyaka odlule esiqinisekiswe yi-Chartered Accountant (CA).

✔️ imalimboleko yokuthuthukisa ikhaya

Ababolekisi abaningi banikeza imali ebolekiwe yokusungula ikhaya. Lezi zingasetshenziselwa ukumboza izindleko ezihlobene nokulungiswa, ukulungiswa noma ukuthuthukiswa kwendawo yokuhlala ekhona.

Kuye ngomboleki, kunokuningi okuguquguqukayo kulokho ongakwenza ngemali mboleko yokuthuthukisa ikhaya. Ungayisebenzisela ukuthenga imikhiqizo noma ukukhokhela izinsizakalo.

Isibonelo, ungayisebenzisela ukukhokhela izinsiza zikasonkontileka, umakhi noma umklami wangaphakathi. Ungayisebenzisa futhi ukuthenga ifenisha, izinto zikagesi zasendlini ezifana nesiqandisi, njll. Ingase futhi isetshenziselwe ukudweba, ukubaza noma umsebenzi wokwakha.

✔️ Imalimboleko yezolimo

Imalimboleko yezolimo yimalimboleko enikezwa abalimi ukuze bahlangabezane nezindleko zezidingo zabo zansuku zonke noma ezijwayelekile zokulima. Lezi mboleko zingaba isikhathi esifushane noma eside. Zingasetshenziselwa ukukhulisa imali yokusebenza ezitshalweni noma ukuthenga izinto zokulima.

✔️ Imalimboleko yezimoto ezinamasondo amabili

Imoto enamasondo amabili ibaluleke kakhulu emhlabeni wanamuhla. Kungakhathaliseki ukuthi uhambo olude noma umgwaqo omatasa edolobheni - amabhayisikili nezithuthuthu zikusiza ukuthi uhambe kalula.

Isikweletu semoto enamasondo amabili kulula ukusifaka isicelo. Le mali oyibolekayo ngaphansi kwalolu hlobo lwemalimboleko ikusiza ukuthi uthenge imoto enamasondo amabili. Kodwa uma ungazikhokhi izitolimende ngesikhathi futhi usule isikweletu sakho, umshwalense uzothatha amasondo akho amabili ukuze abuyise inani lemali oyibolekile.

✔️ izikweletu zegolide

Imali mboleko yegolide ingasetshenziselwa ukukhulisa imali, ukuhlangabezana nezimo eziphuthumayo noma izidingo zezimali okulindelekile. Ingasiza ekwandiseni ibhizinisi, imfundo, izimo eziphuthumayo zezokwelapha, izindleko zezolimo, njll.

Ukubolekwa kwegolide imalimboleko evikelekile lapho igolide lifakwa khona njengesibambiso senani lemalimboleko elihambisana nenani lalo lemakethe ngosuku igolide lenziwa ngalo isithembiso.

✔️ Imali mboleko yabathengi eqhubekayo

Izimalimboleko ezihlala isikhathi eside zabathengi ziyimalimboleko esetshenziselwa ukuxhasa ngezimali ukuthengwa kwezimpahla ezihlala isikhathi eside ezifana namagajethi kagesi kanye nezinto zikagesi zasendlini. Kuya ngombolekisi, angasetshenziswa ukuthenga noma yini kusukela komakhalekhukhwini kuya kumathelevishini.

✔️ Isikhwama esihlanganyelwe kanye nemalimboleko yesitoko

Abanye ababolekisi babolekisa ngenani le-mutual fund kanye nenani lesitoko sakho. Kodwa-ke, ngeke ukwazi ukuboleka imali enkulu ngaphansi kwalolu hlobo lwemali mboleko.

🎉Imalimboleko yesikhathi esifushane

Imali mboleko yesikhashana, ebizwa nangokuthi isikweletu sesikhathi esifushane, isho imali mboleko ethathwe isikhathi esingaphezu kweminyaka emi-2. Izimali mboleko ezivame kakhulu zesikhathi esifushane yilezi:

🎯  Ikhredithi yomthengi

Ikuvumela ukuthi ukhokhele ukuthengwa kwezinto ezithengwayo (imoto, izinto zasendlini, ifenisha, njll.) noma amasevisi, esikhathini ngokuvamile esiphakathi kwezinyanga ezingu-6 neminyaka engu-2. Inani izinkulungwane ezimbalwa zama-euro.

🎯 Ikhredithi ejikelezayo

Kuyimali egciniwe, esesimweni sekhadi lesikweletu noma umugqa wesikweletu, ongasetshenziswa ngokuguquguquka ngaphakathi komkhawulo wosilingi. Ubude bayo bungavuseleleka iminyaka emi-2.

🎯 I-overdraft yasebhange

Kuwukweqa kwesikhashana, kusukela ezinsukwini ezimbalwa kuya ezinyangeni ezimbalwa, kwebhalansi ye-akhawunti yasebhange egunyazwe ibhange.

Izimali mboleko zesikhashana zisetshenziselwa ukumboza izidingo zezimali ezisheshayo kodwa zesikhashana, ngaphandle kokuzibophezela esikhathini eside kakhulu. Amazinga enzalo aphezulu ukuze kunxeshezelwe isikhathi esifushane.

🎯 Ubuhle nokubi kokubolekwa imali yesikhashana

✅ Izinzuzo	❌ nebubi
✔️ Isikhathi esifushane sivumelane nezidingo ezisheshayo (izinyanga eziyisi-6 kuye kwezingama-24)	✔️ Izindleko eziphezulu ezinamanani enzalo aphezulu (ngokuvamile ngaphezu kuka-5%)
✔️ Amanani atholakalayo ukusuka kumakhulu ambalwa ukuya kuma-euro ayizinkulungwane ezimbalwa	✔️ Inkokhelo esheshayo nebophayo phakathi neminyaka embalwa
✔️ Itholwe ngokushesha ezinsukwini ezimbalwa nje	✔️ Ingozi yokuvuselelwa njalo kanye nokuvunguza kwezikweletu
✔️ Izimo ngokuvamile zivumelana nezimo kunesikhathi eside	✔️ Ayilungele ukuxhasa ngezimali amaphrojekthi okuphila abalulekile (indawo yokuhlala enkulu, njll.)
✔️ Isixazululo sesikhashana esisebenzayo uma kunesidingo esiphuthumayo semali	✔️ Ayifaki umnikelo womuntu siqu kwamanye amakhredithi (izindlu, njll.)
✔️ Ikuvumela ukuthi ubhekane nesenzakalo esingalindelekile noma ukwehla kwemali engenayo	✔️ Ukudayiswa kabusha kwesakhiwo akunakwenzeka ngaphambi kokubuyiselwa okuphelele

Intshisekelo yesikhathi esifushane ilele ekufinyeleleni ngokushesha. Kodwa izindleko eziphezulu kanye nezingozi ezihlobene nazo zidinga ukuqapha.

🎉 Imali mboleko yesikhathi eside

Izimali mboleko zesikhathi eside ziyizinhlobo zezikweletu ezinesikhathi eside sokukhokha, ngokuvamile iminyaka engaphezu kwemihlanu. Zivame ukusetshenziselwa amaphrojekthi amakhulu njengokuthenga indlu, ukuthenga imoto noma ukuxhasa ngezimali iphrojekthi yebhizinisi.

Enye yezinzuzo zokubolekwa kwemali yesikhathi eside ukuthi izinkokhelo zanyanga zonke zingase zibe ngaphansi, ngoba ubude besikhathi semali mboleko bu eside. Lokhu kungaba usizo ikakhulukazi ezindlekweni ezinkulu ezidinga inani elikhulu lemali.

Ngaphezu kwalokho, amanani enzalo emalimboleko yesikhathi eside ingalungiswa noma iguquguquke. Izilinganiso zenzalo ezingaguquki ziqinisekisa ukuthi izinga lenzalo ngeke lishintshe phakathi nesikhathi semalimboleko, linikeza ukuzinza okukhulu kwezezimali kubaboleki.

Nokho, izikweletu zesikhathi eside nazo zinezihibe. Okokuqala nje, izindleko zenzalo zingase zibe phezulu empilweni yakho yonke yemali mboleko, okusho ukuthi uzokhokha inzalo eyengeziwe emalini ebolekiwe.

🎯 Ubuhle nobubi bemali mboleko yesikhathi eside

Nansi inguqulo enemininingwane eyengeziwe yethebula lokuqhathanisa lezinzuzo kanye nokubi kwezimali mboleko zesikhathi eside:

✅ Izinzuzo	❌ nebubi
✔️ Isikhathi eside sokukhokha kusuka eminyakeni emi-5 kuye kwengama-25, kuze kufike eminyakeni engama-30 yezindawo ezithengiswayo	✔️ Ukuzibophezela okubophezela ukubuyisela iminyaka eminingi
✔️ Amanani okusezingeni eliphezulus ukusuka emashumini ambalwa ukuya kumakhulu ambalwa ezinkulungwane zama-euro	✔️ Izimo ngokuvamile ziqinile kunesikhathi esifushane
✔️ Amazinga enzalo aphansi kunekhredithi yesikhathi esifushane, cishe u-2%	✔️ Izikhathi zokuhola ezinde, kusuka ezinyangeni ezi-1 kuye kweziyi-6
✔️ Ilungele ukuxhasa ngezimali amaphrojekthi amakhulu: indawo yokuhlala eyinhloko, izifundo...	✔️ Izindleko eziphelele kanye nenzalo enqwabelene kuyo yonke le nkathi
✔️ Ihlanganisa umnikelo womuntu siqu kwezinye izikweletu, ikakhulukazi izindlu nomhlaba	✔️ Inkokhelo yangaphambi kwesikhathi eyinkimbinkimbi futhi ebizayo
✔️ Ikuvumela ukuthi ulondoloze futhi wenze imali yempahla exhasiwe	✔️ Ingozi yesikweletu esindayo futhi okunzima ukuyithwala
✔️ Ukudluliswa lula kwamagugu akhiwe	✔️ Ukuthengisa kabusha akunakwenzeka ngaphambi kokubuyiselwa kwemali okugcwele

Inzalo yesikhathi eside ilele ku amanani aphezulu kanye namazinga aphansi. Kodwa izikweletu eziwumphumela zidinga ukuqapha.

🎉 Ungakhetha nini enye noma enye?

Imali mboleko yesikhathi esifushane ngokuvamile ikhethwa kunemali mboleko yesikhathi eside ezimeni ezithile.

Isibonelo, uma udinga uxhaso olusheshayo lwezindleko ezingalindelekile noma uma uqinisekile ukuthi ungayikhokha imali mboleko ngesikhathi esifushane, imali mboleko yesikhathi esifushane ingase ifaneleke kakhulu.

Ngaphezu kwalokho, izikweletu zesikhashana zivame ukusetshenziselwa izindleko ezincane. Kulezi zimo, imali ebolekiwe yesikhathi eside ingase ingenzeki zingathethelelwa ngoba izindleko zenzalo esikhathini sokubolekwa kwemali kungaba phezulu kunezindleko zezindleko ngokwazo.

Okokugcina, imali mboleko yesikhathi esifushane ingase ifaneleke kakhulu kubantu abanomlando wezikweletu obuthakathaka noma abanekhono elilinganiselwe lokubuyisela. Ababolekisi bangaba ngaphezulu uzimisele ukugunyaza imali ebolekiwe eyesikhathi esifushane ngoba ayinabungozi kangako kunemalimboleko yesikhathi eside.

Abagxeki	Isikhathi esifushane	Isikhati eside
ubude besikhathi	iminyaka 2  Imali mboleko yesikhathi esifushane	I-5 eminyakeni engu-25  Kuze kube yiminyaka engama-30 ukuze uthole i-mortgage
Amanani	Amakhulu ambalwa kuya ezinkulungwaneni zama-€ Ikhava izidingo ezinomkhawulo	Amashumi ezinkulungwane kuya ezigidini zama-euro Amaphrojekthi amakhulu
Izinga lenzalo	Amanani aphezulu, ngokuvamile > 5%  Izindleko eziphezulu zesikweletu	Amanani aphansi, sisuka ku-2 saya ku-5%  Izindleko zekhredithi kanye nokuqukethwe
Ukusetshenziswa	Izidingo zesikhashana: Ukugeleza kwemali, izehlakalo ezingalindelekile...	Amaphrojekthi abalulekile Indawo yokuhlala eyinhloko, izifundo…
Imibandela yokuthola	Izimo zokunikeza eziguquguqukayo Kufinyeleleka kakhudlwana	Izimo zokunikeza eziqinile Iziqinisekiso ziyadingeka
Izikhathi zokulethwa	Izinsuku ezimbalwa Impendulo esheshayo kakhulu	Izinyanga ezingama-1-6  Ifolda eyinkimbinkimbi ezokhwezwa
Ukukhokha kusengaphambili	Ukusebenza okulula Kungenzeka ngesinxephezelo	Ukusebenza okuyinkimbinkimbi nokubizayo Izinhlawulo eziphazamisayo

Leli thebula elinemininingwane eyengeziwe lenza kube lula ukuqonda ama-nuances phakathi kwesikhathi esifushane nesikhathi eside kumbandela ngamunye.

🎉 Isiphetho

Sengiphetha, le ndatshana ijulise ukuqonda kwethu imali ebolekiwe yasebhange nokubaluleka kwayo ekwenzeni amaphrojekthi omuntu siqu nawomsebenzi. Sihlole izigaba ezihlukene zenqubo yokufaka isicelo semalimboleko, kusukela ekulungiseni ifayela eliqinile kuya ekuxoxisaneni nebhange ngemibandela.

Siphinde sagqamisa ukubaluleka kokwethula uhlelo lwebhizinisi oluphoqayo, ukucwaninga izikhungo zezimali ezifanele, nokulungiselela imihlangano nabamele amabhange. Ukwengeza, sikhulume ngodaba lwezinye izindlela uma kwenzeka ukwenqatshwa, sikhuthaza abafundi ukuthi bahlole ezinye izinketho ezitholakalayo zezimali.

Kubalulekile ukuqonda ukuthi ukuthola imali ebolekiwe yasebhange kungaba inqubo eyinkimbinkimbi futhi enzima, kodwa ngokulandela izinqubo ezingcono kakhulu nokuzilungiselela kahle, kungenzeka ukwandise amathuba akho okuphumelela.

🎉I-FAQ

Iyini imali mboleko yesikhashana?

Imali mboleko yesikhathi esifushane wuhlobo lwemali mboleko okumele ikhokhwe ngesikhathi esifushane, esingaphansi kweminyaka emihlanu.

Iyini imali mboleko yesikhathi eside?

Imali mboleko yesikhathi eside wuhlobo lwemali mboleko enesikhathi eside sokukhokha, esingaphezu kweminyaka emihlanu.

Uyini umehluko phakathi kwemali mboleko yesikhashana neyesikhathi eside?

Umehluko omkhulu phakathi kwezimali mboleko zesikhathi esifushane nezesikhathi eside isikhathi sokukhokha kanye namazinga enzalo.

Imali mboleko yesikhathi esifushane inesikhathi eside sokukhokha izilinganiso zenzalo zesikhathi esifushane neziphansi. Imali mboleko yesikhathi eside inesikhathi sokukhokha izilinganiso zenzalo ezinde neziphakeme.

Kufanele ngikhethe nini imali mboleko yesikhathi esifushane?

Izimalimboleko zesikhashana ngokuvamile zingcono kakhulu ezindlekweni ezincane. Angase futhi afaneleke kakhulu kubantu abanomlando wezikweletu obuthakathaka.

Kufanele ngikhethe nini imali mboleko yesikhathi eside?

Imali mboleko yesikhathi eside ngokuvamile ikhethwa kumaphrojekthi amakhulu njengokuthenga indlu noma ukuxhasa ngezimali iphrojekthi yebhizinisi.

Bangase futhi banikeze izinkokhelo zanyanga zonke eziphansi kodwa babe nezindleko zenzalo ephakeme phakathi nokuphila kwesikweletu.