Ukubuyisela kabusha izikweletu, kuyini futhi kuhlanganisani?

Siyazi ukuthi ukufika esikhathini sokuqoqa umholo wakho enyangeni kungaba nzima, futhi nakakhulu uma unezikweletu eziningi phezu kwakho, ngenxa yezizathu ezahlukene singase sizithole sinesidingo sokufaka isicelo semalimboleko ehlukene. ukukwazi ukuziphilisa noma ngezinye izizathu. Nokho, isixazululo kuzo zonke izinkinga zakho zezimali zalolu hlobo kungaba izikweletu ze-refinance Futhi yilokho esizokhuluma ngakho kuso sonke lesi sihloko. asiqale

izikweletu ze-refinance

Inani lezikweletu ezitholiwe lingase lithathe iholo lethu lanyanga zonke, lapho lezi zinto zenzeka kuyisikhathi esifanele sokucabanga ngokuxhasa ngezikweletu kabusha, okunye okungakonga ngalesi sikhathi.

Kuhlanganisani ukubuyisela kabusha isikweletu?

Besivele sisho ukuthi ukubuyisela kabusha izikweletu kungaba yisixazululo sezinkinga zakho zezimali, lapho unenani elikhulu lezinkokhelo ongeke ukwazi ukuzikhokha ngokushesha, le nqubo ngokuyisisekelo ihlanganisa ukuhlela kabusha izikweletu ezahlukene ongase ube nazo, ukuze ukuze Ngale ndlela, ushintsha amanani okufanele akhokhelwe kancane futhi ukuze wenze umthwalo ukwazi ukubekezelelwa futhi ukwazi ukuhambisana nayo yonke into ngaphandle kokuzizwa ucindezelwe yilokhu.

Ngakho-ke, ukwazi lokhu, kungase kubonakale kumangalisa kithi futhi singathanda ulwazi olwengeziwe ngakho, ngoba okokuqala kubalulekile ukuthi wazi ukuthi kunezinhlobo ezahlukene zokubuyisela kabusha, esizozichaza ngezansi, ngale ndlela, uzokwazi ukuzazi futhi uthole ukuthi iyiphi evumelana kangcono nezidingo zakho namakhono akho, sizozifunda.

Refinancing Izinhlobo

Kunezinhlobo ezintathu eziyinhloko, ngemva kokwazi imininingwane yazo ngayinye, sikumema ukuthi uhlaziye ukuthi iyiphi ezosetshenziswa kuye ngodaba lwakho ukuze uqhubeke nombono wokukhokha kabusha izikweletu.

Ukuhlanganisa izikweletu

Lokhu kuqukethe eyokuqala esizoyichaza, kodwa kuphinde kuvele ukuthi iyona esetshenziswa kakhulu ngabasebenzisi, lokhu kugqugquzelwa ukuthi kuhlanganisa ukuhlanganisa zonke izikweletu ongase ube nazo futhi uziguqule zibe yinye.

Ukuze wenze lokhu, kufanele uye enkampanini yakho yezezimali futhi ucele ukubolekwa imali entsha ngenani eliphelele okufanele likhanselwe, ngemva kokugunyazwa okufanele nokukhanselwa okufanayo, usebenzise le mali ukukhokha zonke izikweletu esinazo. manje futhi uhlale nesikweletu esikhulu kuphela noma esiyingqayizivele, esisanda kusicela.

Ngale ndlela, silondoloza isikhathi esincane, njengoba kuyinani elikhulu, linganikezwa isikhathi eside sokukhansela okufanele, ngakho-ke, inani lenyanga elizokhokhwa lizoba ngaphansi kwalokhu okukhokhela okwamanje. uzoba ne-oda elengeziwe, njengoba kuzoba inkokhelo eyodwa kanye nendlela yokukhiqiza inzalo okufanele ikhokhwe inyanga nenyanga ngezitolimende okuvunyelwene ngazo.

Ukuvuselelwa kwezikweletu

Lolu hlobo lwesibili lwe-refinancing luhlanganisa ukuxoxisana ngqo nebhange, kuleli qophelo ungaba umngane wakho omkhulu ukuze uthole amanani angcono ezinkokhelo zanyanga zonke, ngale ndlela, ubhekene nebhange uzama ukuthola isivumelwano nalo, futhi ugweme ukungenzi. noma yiziphi izinkokhelo ezengeziwe, ezingase zidale imiphumela emibi emabhange.

Ngokuyisisekelo okufunayo ukuguqula yonke imibandela ebingase inikezwe ekuqaleni maqondana nesikweletu bese uzama ukuyishintsha ukuze ibe yinzuzo kancane kuwe njengeklayenti. Ngokuvamile, bonke abantu abakhethe lolu hlobo, abakwaziyo ukukufeza ngezingxoxo ukukhulisa isikhathi sokukhokha imali, ukuze kwehliswe kakhulu izitolimende zanyanga zonke.

Ukwehliswa kwezikweletu

Uma ngemva kokuzama ukwenza kabusha isikweletu izimo okwafinyelelwa kuzo ngemva kwezingxoxo namanje azibonakali zikhululekile kuwe, ungakhetha ukuthatha isikweletu sakho uye kwelinye ibhange, elikunikeza izinzuzo ezingcono, lolu hlobo lwe-refinancing luvame kakhulu amacala e-mortgage. Ngakho-ke kubalulekile ukuthi uhlaziye kahle ukuthi ngabe lesi kungaba yisinqumo esingcono kakhulu esisekelwe odabeni lwakho.

Iluphi uhlobo lwe-refinancing olungilungele?

Ukuphendula lo mbuzo kungase kube inkimbinkimbi njengoba kuzoncika ngokuphelele ekuthakaseleni okukhulu onakho ngakho. Ngoba uma icala lakho liwukuthi unezikweletu eziningi ezincane futhi ngamunye wenza inkokhelo ehambisanayo yenzalo noma amakhomishini, kungcono ukuthi ucele ukuhlanganisa izikweletu, ngale ndlela, uyiguqule ibe isikweletu esisodwa ngesinye. inkokhelo yenzalo, Lokhu kungaba yinzuzo kakhulu kuwe.

Uma ubheke kuphela ukuthola izimo ezingcono zemalimboleko yakho oyicelile ngaphambili, uzama ukunweba isikhathi osinikeziwe ukuze ukwazi ukukhokha ngokugcwele imali ebolekiwe, inketho yakho engcono kakhulu ukufaka isicelo sokuvuselelwa kwesikweletu. Okokugcina, uma ukwazi ukuthola enye inkampane yasebhange ekunikeza izinzuzo nemibandela engcono yekhredithi yakho, ongakwenza ukufaka isicelo sokubolekwa kwesikweletu.

Ngakho-ke indlela engcono kakhulu yokuphendula lo mbuzo iwukuthi kuncike ngokuphelele kulokho okufunayo, uzoba nezinketho ezintathu ezingashintshwa ngokwezidingo zakho.

Kungase kuthakazelise ngawe ukwazi umehluko phakathi kokudlulisa nokudlulisa, imiqondo emibili abantu abaningi abayibheka njengefanayo kodwa empeleni inezincazelo ezihluke kakhulu futhi kubaluleke kakhulu ukuthi uyazi, uma ufuna ukwazi imininingwane eyengeziwe kufanele ufake isixhumanisi esikushiyele sona ngaphambili, kulesi sihloko ungaba konke kuphelele futhi kunemininingwane. Ungayeki ukuyifunda, izokuthatha nje imizuzu embalwa.

izikweletu ze-refinance

Kunezinhlobo ezintathu eziyinhloko zokukhokha kabusha phakathi kwazo ongakhetha kuzo ezikufanele kangcono, yilezi: Ukuhlanganiswa kwezikweletu, ukuvuselela izikweletu kanye nokunciphisa izikweletu. Ngayinye inemisebenzi yayo ethile futhi ingaba usizo ngokusekelwe endleleni ezosetshenziswa ngayo.

Izincomo zokukhokha kabusha izikweletu

Siyazi ukuthi kuleli qophelo ungase uzizwe ucindezelekile noma ucindezelekile, ungase ungazi ukuthi yini engcono kakhulu noma ukuthi ungaqala kuphi, ngenxa yalesi sizathu, sikushiya nalolu chungechunge lwezincomo ongazisebenzisa futhi ngaleyo ndlela uzuze ukubuyisela izikweletu ku- eyanelisayo.

Hlela umnotho wakho

Sibiza leli phuzu kuqala, ngoba lingabaluleka kakhulu. Njengoba inhloso yakho enkulu kungafanele kube ukufinyelela isidingo sokuxhasa kabusha izikweletu zakho, kunalokho kufanele ube nohlelo lomnotho wakho olukuvumela ukuthi uhlangabezane nazo zonke izikweletu okwazile ukuzithola, ngoba siyazi ukuthi kwesinye isikhathi sonke. udinga usizo futhi ukwazi ukucela imali ebolekiwe noma ukusebenzisa uhlelo lwezezimali kungaba yinketho engcono kakhulu, kodwa okubalulekile ukuthi akufanele ungene ezikweletini ngokweqile ngaphansi kwanoma yiziphi izimo.

Yazi ngokuningiliziwe isimo sakho

Lokhu kungase kubonakale kungqubuzana kuwena ngoba unelungelo lokusho, ongasazi isimo sakhe sezimali noma ongazi ngemali ayithola nyanga zonke, njengoba lokhu kungenzeka kaningi kunalokho esikucabangayo futhi yikho okungaletha izinkinga. kubantu, njengoba bebhekene nezindleko eziphakeme kunalokho abakwazi ukuzikhokhela ngempela.

beka imingcele

Kufanele wazi ibhajethi yakho kanye nesimo sakho sezezimali ngokunembile, ngoba iphuzu kuphela okufanele ulicabangele akukona ukuthi uhola malini, kodwa nokuthi uchitha malini, lokhu kuzoba nomthelela eqinisweni lokubeka imingcele ngendlela efanele, futhi ngale ndlela uzokwenza. ungakugwema ukuba nezikweletu ngokweqile ezingeke zikusize ngalutho.

Beka izindleko zokubuyisela imali esikalini

Uma kwenzeka isimo siphuma esandleni futhi enye indlela yakho kuphela ukusebenzisa ukubuyisela kabusha, kufanele uqaphele futhi uqaphele ukuthi ukuvulwa nokuvalwa kwezimali mboleko kunezindleko, ngoba lokhu kufanele ukhokhe amakhomishini athile kanye nenzalo, ngakho-ke, kubalulekile ukuthi uhlole lokhu ngaphambilini futhi ngale ndlela ukwazi ukuthola ukuthi ingabe kuyinketho yakho engcono kakhulu.

Lungiselela izikhathi zokukhokhwa kwemali mboleko entsha oyitholayo

Ngokuya ngesabelomali sanyanga zonke ongase ube naso, lapho wenza khona ukuhlaziya okufanele kwezindleko zakho kanye neholo lakho, uzokwazi ukukhetha kahle izikhathi zokukhokha zezinhlelo zezimali ozitholile, njengoba uzokwazi ukuthi yimalini yenyanga oyikhokhile. ungakhava ngaphandle kokuba nezinkinga ukuze ukwazi ukukhokhela zonke izindleko zakho.

Okuthile okungenzeka ukuthi awukakwazi kuze kube manje futhi okubaluleke kakhulu ukuthi uma isimo sakho sezezimali siba ngcono, okungukuthi, iholo lakho linyusiwe noma ushintshe imisebenzi wayibeka lapho umholo ungcono kakhulu, ungakhokha kakhulu noma wenzeni. eyaziwa nangokuthi "I-Amortizations Yangaphambili" ngale ndlela, unganciphisa lelo gama elalinqunywe ekuqaleni.

Khetha ibhizinisi elihle ozolihweba

Cishe kuwo wonke amathuba, ukuhlanganiswa kabusha kwezikweletu kuvamise ukwenziwa yilokho okwaziwa ngokuthi izinhlangano ezixoxisanayo, ngenxa yalesi sizathu, kubaluleke kakhulu ukwazi ukukhetha elivumelana kangcono nezidingo zakho nelikukhathalelayo, linikeze ukunakwa komuntu siqu kumuntu ngamunye. amaklayenti abo ukuze abasize ngezinkinga zabo ngayinye, ngaphezu kwalokho, ukuze bakwazi ukukhetha eyodwa engenawo amakhomishini aphezulu kakhulu.

ukuhlangana kabusha okukhulu kunomsebenzi

Futhi uma empeleni uwele kule nkinga futhi usuvele unezikweletu kakhulu, ukwenza ukuhlanganisa izikweletu kungase kube enye indlela yakho engcono kakhulu, okungukuthi, kufanele ube nokuhlela okuthembekile kwezindleko, ukuze ngale ndlela ukwazi ukuphulukisa umnotho wakho.

Siyazi ukuthi yonke into ephathelene nokuphatha izindleko zasendlini ingaba nzima kakhulu kubantu abaningi, ngakho-ke sincoma ukuthi uma kuba nzima kakhulu kuwe ukuthi ukwenze, ungaqasha izinsiza zothile ongakwenzela zona. , futhi angakweseka noma akuqondise uze uzizwe uqiniseka ngokwanele ukuthi ungakwenza ngokwakho.

Ngendlela efanayo, sincoma futhi ukuthi ufune usizo kuchwepheshe uma inkinga yezikweletu isiphumile esandleni, lo muntu angakusiza wenze izinqumo ezingcono kakhulu futhi uthole ezinye izindlela ezifanele kakhulu ngokusekelwe endabeni yakho, ngakho Ungangabazi simshayele ucingo, angaba usizo kakhulu, kwesinye isikhathi kumele sivume ukuthi asikwazi ukukwenza sodwa.

Siyazi ukuthi lesi kungaba isihloko esibanzi, sinokuningi esingakhuluma ngakho kanye nezincomo eziningi okufanele zinikezwe, sethemba ukuthi sikwazile ukukunikeza lonke ulwazi olubaluleke kakhulu ukuze wazi ukuthi ungakhokha kanjani kabusha izikweletu. Kodwa njengoba sazi ukuthi imibuzo eyengeziwe ingahlala iphakama noma umane nje ufuna ukwazi okwengeziwe ngale ndaba, sikushiyela ividiyo elandelayo ngezansi ukuze ukwazi ukuthatha amaminithi ambalwa futhi uyibuke.


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