Okufanele ukwazi ngomshwalense

Sonke siyafuna ukuphepha kwezezimali ngokwethu nemindeni yethu. Siyazi ukuthi ukuba nomshwalense kungasisiza sihlanganise uhlelo oluqinile lwezezimali. Nokho abaningi bethu abacabangi ngempela ngomshwalense.

Ngokuvamile, asicabangi ngezingozi nezenzakalo ezingalindelekile esibhekana nazo nsuku zonke. Kungenzeka futhi ukuthi akukuningi esikwaziyo ngomshwalense. Namuhla, kunemishwalense yawo wonke umuntu. Ngisho noma unezingane ezikhubazekile, kukhona a umshwalense walezi zingane ezikhubazekile.

Ngokuphambene nemibono enjalo, kungakhathaliseki ukuthi impilo yethu, isimo sethu sezezimali noma ikhwalithi yethu njengomshayeli, sonke sidinga umshwalense. Lokhu kungenxa yokuthi umshwalense usebenza njengenetha yokuphepha evikela wena nomndeni wakho ngokwezimali uma ama-chips ephansi.

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✔️ Uyini umshwalense?

Umqondo womshwalense ulula kakhulu ukuwuqonda. Ukhokha imali yanyanga zonke noma yonyaka enkampanini yomshwalense qinisekisa impilo yakho, impilo yakho, imoto yakho, impahla yakho, njll. isikhathi esithile. Ngembuyiselo, umshwalense ukhava umonakalo wezezimali esimweni somonakalo odalwe kumuntu noma into enomshwalense.

Ngakho-ke udlulisela ingcuphe yokulahlekelwa ngokwezimali ongase ukuthole ngenxa yokungaqiniseki kwempilo enkampanini yomshwalense ngemali encane. Isibonelo, uma ube sengozini yemoto futhi udinga ukulaliswa esibhedlela.

Umshwalense wakho wezempilo uzokhokhela izindleko zezokwelapha zokulaliswa esibhedlela. Futhi, umshwalense wakho wezimoto uzokhokha umonakalo wemoto yakho. Okwamanje, uma ushona engozini, umndeni wakho uzothola isamba somshwalense wakho wesikhathi eside.

Kusukela kwezobuciko kuye kwezifuywayo, kunomshwalense otholakalayo wezinto eziningi, futhi umuntu kufanele athole umshwalense ngokwezidingo zazo nezinto eziza kuqala kuzo.

✔️ Ukubaluleka komshwalense

Njengoba sishilo ekuqaleni, abantu abaningi bacabanga ngomshwalense njenge izindleko ezingadingekile. Isizathu siwukuthi siyaqiniseka ngekusasa lethu nekhono lethu lokubhekana nezimo ezingakaze zibonwe ngaphambili.

Kodwa kunomehluko omkhulu phakathi kwekhono lethu esilibonayo kanye neqiniso. Isibonelo, iminyaka embalwa yokonga inganyamalala uma kunesimo esiphuthumayo sezokwelapha. Lesi isibonelo esisodwa nje. Nazi izizathu ezi-3 zokuthi kungani kubalulekile ukuthola umshwalense

#1: Umshwalense uhlinzeka ngokusimama kwezezimali emndenini

Kungakhathaliseki ukuthi ukwazile ukonga kangakanani noma ingakanani iholo lakho lanyanga zonke, isenzakalo esingalindelekile singashisa imbobo enkulu ephaketheni lakho noma sibeke ikusasa lezezimali lomndeni wakho engcupheni.

Isibonelo, uma ungenawo umshuwalense wokuphila owanele, umkhaya wakho ungase ubhekane nobunzima obungokwezimali uma ungase ubhekane nokufa kungazelelwe. Nakuba ingekho inani lemali elingathatha indawo yokulahlekelwa abathandekayo, umshuwalense wokuphila ubungabasindisa ebunzimeni bezimali.

Khonamanjalo, uma wena noma umndeni wakho ningenawo umshuwalense wezempilo owanele, izikweletu ezinkulu zezokwelapha ngesikhathi sanoma yikuphi ukwelashwa zingayinyakazisa ngokuphelele imali yakho. Ngakho-ke kubalulekile ukuthi uqinisekise ukuthi wena nomndeni wakho ninenani elanele lomshwalense.

#2: Umshwalense uletha ukuthula kwengqondo

Iprimiyamu oyikhokhayo enkampanini yomshwalense ithi inani eliqinisekisayo ukuthi inkampani yomshwalense izovala umonakalo uma kwenzeka kuba nesigameko esingalindelekile. Futhi, lesi siqinisekiso sokuthi ingozi yakho ihlanganisiwe inikeza ukuthula kwengqondo.

Isibonelo, ake sithi ushona ngokuzumayo ngesikhathi lapho usenezinyathelo ezimbalwa okufanele udlule kuzo njengemfundo yezingane, umshado wabo, ikhophasi yempesheni yomlingani wakho njll. Kukhona nesikweletu esifana ne-mortgage.

Ukufa kwakho kungakafiki isikhathi kungabeka umndeni wakho esimweni esinzima. Kodwa, ukube ubuthenge umshwalense wesikhathi ucabangela zonke lezi zici, umndeni wakho ubuzokwazi ukudlula ezikhathini ezinzima.

#3: Umshwalense wehlisa ingcindezi ngezikhathi ezinzima

Kungakhathaliseki ukuthi uzama kangakanani ukuthuthukisa impilo yakho, isenzakalo esingalindelekile singanyakazisa izinto ngokuphelele, sikushiye ucindezelekile ngokomzimba, ngokomzwelo nangokwezimali.

Ukuba nomshwalense owanele kuyasiza ngomqondo wokuthi okungenani akudingeki ucabange ngemali phakathi nalesi sikhathi esinzima futhi ungagxila ekubuyiseleni.

Isibonelo, Ake sithi wena noma ilungu lomndeni lihlaselwe yinhliziyo futhi lidinga ukulaliswa esibhedlela ngokushesha. Ukwelashwa okunjalo ezibhedlela ezinhle kungabiza ama-laks.

Ngakho ukuba nomshwalense wezempilo kuleli cala kukusindisa ekukhathazekeni nasekucindezelekeni kokuhlela imali. Ngomshwalense okhona, noma yikuphi ukucindezeleka kwezezimali kuzonakekelwa futhi ungagxila ekululameni kwakho.

✔️ Izinhlobo ezahlukene zomshwalense

Imishwalense emithathu eyaziwa kakhulu.

#1. umshwalense wempilo

Umshwalense wokuphila uvikela umndeni wakho ngokwezimali uma kwenzeka ushona ngaphambi kwesikhathi. Nansi indlela esebenza ngayo. Ukhokha iphrimiyamu evamile enkampanini yomshuwalense iminyaka ethile. Ngokubuyisela, inkampani yomshwalense ikhokha isamba esinomshwalense emndenini wakho uma ushona ngesikhathi senkontileka.

Umuntu ofakwe kumshwalense uqoka umuntu oyedwa noma ngaphezulu (ohlomulayo/ohlomulayo) ozothola inzuzo yokufa njengoba kushiwo kupholisi. Inzuzo yokufa noma inzuzo ayikhokhi intela.

Kunezinhlobo ezimbili zomshwalense wempilo:

• okwesikhashana

Ihlinzeka ngekhava yesikhathi esithile. Uma lowo ofakwe kumshwalense eshona ngesikhathi sokusebenza (futhi amaphrimiyamu akhokhwa), ohlomulayo uthola inzuzo yokufa njengoba kushiwo kwipholisi.

Ukufakwa kuphela ngesikhathi esishiwo. Ingavuselelwa ngemva kwesikhathi, nokho-ke, iprimiyamu ingase yenyuke njengoba amaphrimiyamu angase ancike eminyakeni yobudala yalowo ofakwe kumshwalense.

• Permanent

Ikhava lowo ofakwe kumshwalense impilo yakhe yonke (ngaphandle uma lowo ofakwe kumshwalensi engazikhokhi amaprimiyamu). Kunezinhlobo ezimbili:

Umshwalense wempilo yonke - lokhu kuqinisekisa ukuthi amaphrimiyamu akho ngeke ashintshe njengoba ukhula. Lolu hlobo lomshwalense lunenani lemali elincane eliqinisekisiwe kanye nenani lenzuzo yokufa eliqinisekisiwe.

Umshwalense wempilo yonke – umkhiqizo ohlanganisa umshwalense wempilo kanye nokutshalwa kwezimali.

#2. Umshwalanse we mpilo

Umshwalense wezempilo ungasiza ukukhokhela izindleko zokunakekelwa kwezempilo. Ezinye izinhlobo zingangezelela iholo lakho uma ugula kakhulu noma ulimele. Ezinye izinhlobo zingakhokha izikweletu zezokwelapha uma ugula ngenkathi useholidini.

Nazi ezinye izinhlobo zomshwalense wezempilo:

• Umshwalense wezempilo ohambisanayo
• Umshwalense wokukhubazeka
• Umshwalense wezokwelapha wokuhamba
• Ukugula Okubucayi noma Umshwalense Wokuhlukumezeka
• Umshwalense wokunakekela wesikhathi eside

#3. Umshwalense Ojwayelekile

Umshwalense wendawo uhlanganisa ukulahlekelwa noma ukulimala kwekhaya lakho noma impahla yomuntu siqu, imoto noma ibhizinisi. Umshwalense wezakhiwo nokulimala uvikela ofakwe umshwalense esibophweni esingokomthetho sokulahlekelwa okudalwe ukulimala kwabanye abantu noma ukulimala kwempahla yabanye.

Nazi ezinye izinhlobo zomshwalense ojwayelekile:

• Umshwalense wekhaya noma wendawo
• Umshwalense wesiqashi noma umqashi
• umshwalense wemoto
• Umshwalense wesikweletu
• Izinzuzo Zengozi/Umshwalense Wokulimala Komuntu Siqu
• Umshwalense wokushayisana
• Buyela emuva kumshwalense
• Umshwalense Webhizinisi
• Umshwalense wempahla yezohwebo
• Umshwalense wesikweletu
• Umshwalense wamaphutha nokweqiwe

✔️ Imiqondo Ebalulekile Kumshwalense

Amaphoyisa – inkontileka esemthethweni phakathi kwakho nomshwalense. Ichaza ukuthi yiziphi izingozi ezikhavwe, ngaphansi kwaziphi izimo umshwalense ozokukhokha kuzo, yimalini imali kanye nokuthi yiluphi uhlobo lwenzuzo ozoyithola uma wenza isicelo.

Umnikazi wenqubomgomo - onomshwalense noma umuntu okhavwe yipholisi.

Ukusabalala – inani lemali oyithengile. Leli futhi yisamba esiphezulu semali inkampani yomshwalense ezokukhokhela yona uma wenza isimangalo sokulahlekelwa noma umcimbi ohlanganiswa umshwalense wakho.

Zuza - inani umshwalense azolikhokhela uma umshwalense wamukela isicelo sakho.

Prime – inani olikhokhela umshwalense.

Inani lokunikezela – lena imali umshwalense ayikhokhela umnikazi wepholisi uma umshwalense wokuphila ukhanselwa. Kungaba futhi inani elengezwe kumhlomulo wokufa futhi lingakhokhwa lapho kushona lowo ofakwe kumshwalense. Leli gama lisetshenziswa nezinqubomgomo zomshwalense wokuphila unomphela.

Inzuzo yokufa - inani umshwalense azolikhokha kubazuzi uma kushona lowo ofakwe kumshwalense.

Isimemezelo - lesi yisaziso esisemthethweni esiya kumshwalense wakho okumele ukhokhelwe ngokulahlekelwa noma isigameko esikhavwe kumshwalense wakho.

Umzuzi - lona ngumuntu noma inhlangano eqokwa noma emqoka umuntu ofakwe kumshwalensi ukuthi ithole inzuzo yomshwalense. Ohlomulayo angakwazi ukuhoxiswa (angashintshwa noma nini ngaphandle kokwazisa ohlomulayo) noma angenakuhoxiswa (angeke ashintshwe ngaphandle kwemvume ebhaliwe yomzuzi).

Franchise - inani ovuma ukulikhokha ngaphambi kokuba umshwalense akhokhe enye ingxenye.

okungafakiwe - izinto ezingakhaviwe kupholisi yakho. Isibonelo, ezinye izinqubomgomo zomshuwalense wezempilo zingase zingafaki izimo ezithile zezokwelapha obunazo ngaphambi kokufaka isicelo somshwalense, noma umshwalense wokuvakasha ungase ukhiphe izimangalo uma uya ezweni eliyingozi kakhulu.

Kungakho kubalulekile ukuthi ufunde ipholisi yakho ngokucophelela ukuze uhlole ukuthi ihlanganisani nokuthi ayikukhavini ukuze kungabikho okumangalisayo lapho ufaka isicelo.

Ubungozi - amathuba noma amathuba okuthi isigameko esifakwe kumshwalense, esifana nokulahlekelwa, ukulimala noma ukufa, sizokwenzeka ngenkathi inqubomgomo isebenza.

Ukugunyaza – lesi isigatshana somthetho noma isikhathi esengeziwe kumshwalense wakho ukuze sikuvikele. Lokhu kunezindleko ezengeziwe ngoba kuhlanganisa izingozi ezingahlanganiswa nenqubomgomo eyisisekelo.

eside - isikhathi lapho ukhavwe khona kumshwayilense wakho.

✔️ Imibuzo Evame Ukubuzwa

Umbuzo: Uyini umshwalense?

IMP: Umshwalense uyinkontileka phakathi komuntu noma ibhizinisi kanye nenkampani yomshwalense. Ngokushintshanisa ukukhokha i-premium, inkampani yomshuwalense iyavuma ukunikeza isinxephezelo uma kwenzeka isimangalo noma ukulahlekelwa kwezimali.

Umbuzo: Yiziphi izinhlobo zomshwalense ezikhona?

IMP: Ziningi izinhlobo zomshwalense ezitholakalayo, okuhlanganisa: umshwalense wemoto, umshwalense wekhaya, umshwalense wokuphila, umshwalense wezempilo, umshwalense wokuhamba, umshwalense wezikweletu, umshwalense wokukhubazeka, umshwalense webhizinisi, umshwalense wezilwane ezifuywayo, njll.

Umbuzo: Isebenza kanjani inqubo yezicelo zomshwalense?

IMP: Uma ulahlekelwa umshuwalense wakho, kufanele uxhumane nenkampani yakho yomshwalense ukubika ukulahlekelwa futhi uqale inqubo yokufaka izicelo.

Uzodinga ukunikeza ulwazi mayelana nesimangalo kanye nokulahlekelwa okwenzekile. Inkampani yomshwalense izobe isihlola umonakalo bese inquma inani lesinxephezelo.

Umbuzo: Ungawukhetha kanjani umshwalense ofanele?

IMP: Ukukhetha umshwalense ofanele, kubalulekile ukucabangela izidingo zakho ezithile kanye nesabelomali.

Kufanele futhi uqhathanise izinketho ezihlukene ezitholakala emakethe, uhlole izindleko zeprimiyamu, izimali ezidonswayo kanye nemikhawulo yokukhava. Kunconywa ukuthi ukhulume nomeluleki womshwalense ukuze uthole iseluleko esiqondene nawe.

Umbuzo: Yiziphi izinzuzo kanye nokubi komshwalense?

IMP: Umshwalense unganikeza ukuvikelwa kwezezimali uma kwenzeka kuba nenhlekelele noma ukulahlekelwa. Nokho, zingabiza futhi zingase zingambozi zonke izinhlobo zokulahlekelwa.

Kubalulekile ukuqonda imigomo nemibandela yomshwalense wakho ngaphambi kokuthenga umshwalense.

Umbuzo: Ngingonga kanjani kumaphrimiyamu ami omshwalense?

IMP: Ukuze wonge kumaphrimiyamu akho omshwalense, ungase ucabange ukukhulisa imali yakho edonswayo, ukuhlanganisa imishwalense eminingi evela enkampanini eyodwa, ubheke ezinhlelweni zesaphulelo zabashayeli abahle noma amakhaya afakwe uhlelo lokuvikela, noma ukucela umdayisi womshwalense ukuthi axoxisane ngamanani ancintisanayo. .

✔️ Ngokufingqa

Yiba nomshwalense - impilo, impilo kanye nesibopho somphakathi – kuyisici esibalulekile sokuhlelwa kwezimali. Lokhu kungakusindisa ebunzimeni bezezimali uma kwenzeka izimo ezingalindelekile.

Nokho, isinqumo sokuthenga umshwalense kufanele sinqunywe yizici ezintathu: izidingo, izinzuzo ozithola kumshwalense, kanye nekhono lakho lokukhokha iprimiyamu. Ngaphambi kokuthi uhambe, nansi ukuqeqeshwa kwe-premium okukuvumela ukuba wenze kanjalo yakha ibhizinisi lakho ku-inthanethi.