Ukubuyisela kabusha izikweletu, kuyini futhi kuhlanganisani?

Siyazi ukuthi ukufika esikhathini sokuqoqa umholo wakho enyangeni kungaba nzima, futhi nakakhulu uma unezikweletu eziningi kuwe, ngenxa yezizathu ezahlukene singazithola sisesidingweni sokufaka isicelo semalimboleko ehlukene ukuze sikwazi. 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. Ake siqale.

izikweletu ze-refinance

Inani lezikweletu ezitholiwe lingase lithathe iholo lethu lanyanga zonke, lapho lezi zinto zenzeka kuyisikhathi esifanele sokucabanga ngokukhokhela kabusha izikweletu, enye indlela engakonga njengamanje.

Kuyini ukubuyisela kabusha izikweletu?

Besivele sithi ukubuyisela kabusha izikweletu kungaba yisixazululo sezinkinga zakho zezimali, uma unenani elikhulu lezinkokhelo ongeke ukwazi ukuzikhokha ngokushesha, le nqubo ngokuyisisekelo ihlanganisa ukuhlela kabusha izikweletu ezahlukene ongase ube nazo, ukuze ngale ndlela, ushintsha amanani okufanele akhokhelwe kancane futhi ngaleyo ndlela wenze umthwalo ukwazi ukubekezeleleka futhi ukwazi ukuthobela 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, wena. uzokwazi ukuzazi futhi uthole ukuthi iyiphi evumelana kangcono nezidingo zakho kanye namakhono akho, ake sizifunde.

Izinhlobo zezimali kabusha

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

Ukuhlanganiswa kabusha kwezikweletu

Lokhu kuhlanganisa eyokuqala esizoyichaza, kodwa futhi kuvela ukuthi yiyona esetshenziswa kakhulu abasebenzisi, lokhu kugqugquzelwa ukuthi kuhlanganisa ukuhlanganisa zonke izikweletu ongase ube nazo futhi uziguqule zibe yinye.

Ukuze wenze lokhu, kufanele uye enkampanini yakho yezezimali ucele ukubolekwa imali entsha ngenani eliphelele okufanele likhanselwe, ngemva kokugunyazwa kwayo okufanele nokukhansela, usebenzise le mali ukukhokha zonke izikweletu esinazo kuze kube manje futhi uhlale. ngesikweletu esikhulu kuphela noma esiyingqayizivele, esisanda kusifaka isicelo.

Ngale ndlela, silondoloza isikhathi esincane, njengoba inani elikhulu, linganikezwa isikhathi eside sokukhansela okufanele, ngakho-ke, inani lanyanga zonke elizokhanselwa lizoba ngaphansi kwalokhu okukhokhela okwamanje. izoba ne-oda elengeziwe, njengoba kuzoba inkokhelo eyodwa kanye nenzalo ekhiqiza isiteshi okufanele ikhokhwe inyanga nenyanga ngezitolimende okuvunyelwene ngazo.

I-Debt Novation

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 mayelana nesikweletu bese uzama ukuyishintsha ukuze ibe yinzuzo kancane kuwe njengeklayenti. Ngokuvamile, bonke abantu abakhethe lolu hlobo, abakwaziyo ukukufeza ngezingxoxo ukukhulisa isikhathi sokukhokha, ukuze behlise kakhulu izitolimende zanyanga zonke.

ukwehliswa kwezikweletu

Uma ngemva kokuzama ukuvuselela izikweletu, izimo ezifinyelelwe ngemva kwezingxoxo namanje azibonakali zikhululekile kuwe, ungakhetha ukuthatha isikweletu sakho uye kwelinye ibhange, elikunikeza izinzuzo ezingcono, lolu hlobo lwe-refinancing luvame kakhulu kwi-mortgage. amacala. Ngakho-ke kubalulekile ukuthi uhlaziye kahle kakhulu uma lokhu kungaba yisinqumo esingcono kakhulu esisekelwe ecaleni lakho.

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 amakhomishana, into engcono kakhulu ukuthi ucela ukuhlanganiswa kwezikweletu, ngale ndlela, uyiguqule ibe isikweletu esisodwa inkokhelo yenzalo eyodwa, Lokhu kungaba yinzuzo kakhulu kuwe.

Uma ubheke kuphela ukuthola izimo ezingcono zemalimboleko yakho oyicelile ngaphambilini, uzama ukwelula isikhathi osinikeziwe ukuze ukwazi ukukhokha ngokugcwele imali ebolekiwe, indlela engcono kakhulu ongakhetha ngayo ukufaka isicelo sokuvuselelwa kwesikweletu. Okokugcina, uma ukwazi ukuthola enye inkampane yasebhange ekunikeza izinzuzo ezingcono nemibandela 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.

Ungase ukuthole kuthakazelisa ukwazi umehluko phakathi kokudlulisa nokudlulisa, imiqondo emibili abantu abaningi abayibheka njengomqondo ofanayo kodwa enezincazelo ezihluke kakhulu futhi kubaluleke kakhulu ukuthi uyazi, uma ufuna ukwazi imininingwane eyengeziwe kufanele ufake isixhumanisi esikushiyele sona ngaphambili, kulesi sihloko uzokwazi ukuze ube nakho konke okuphelele nokunemininingwane. Ungayeki ukuyifunda, kuzothatha imizuzu embalwa nje.

izikweletu ze-refinance

Kunezinhlobo ezintathu eziyinhloko zokuxhasa ngezimali kabusha ongakhetha kuzo leyo ekufanele kakhulu, yilezi: Ukuhlanganiswa kwezikweletu, ukuvuselela izikweletu kanye nokwehliswa kwezikweletu. Ngayinye inemisebenzi yayo ethile futhi ingaba usizo ngokusekelwe endleleni ezosetshenziswa ngayo.

Izincomo zokukhokha kabusha izikweletu

Siyazi ukuthi ngalesi sikhathi ungase uzizwe ucindezelekile noma ucindezelekile, ungase ungazi ukuthi yini engcono kakhulu noma ukuthi ungaqala kuphi, ngenxa yalesi sizathu, sikushiyela lolu chungechunge lwezincomo ongazisebenzisa futhi ngale ndlela ulawule ukubuyisela kabusha izikweletu. ngendlela elula, 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 uhambisane nazo zonke izikweletu okwazile ukuzithola, ngoba siyazi ukuthi sonke sidinga 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 kuwe ngoba unelungelo lokusho, ongasazi isimo sakhe sezimali noma ongaqapheli imali abayithola nyanga zonke, ngoba lokhu kungenzeka kaningi kunalokho esikucabangayo futhi yikho okungaletha izinkinga. kubantu, njengoba bebhekene nezindleko eziphakeme kunalokho abakwazi ukuzikhokhela ngempela.

beka imingcele

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

Linganisa izindleko zokukhokha kabusha

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 amakhomishana nezithakazelo ezithile, 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 zokubuyisela imali yezinhlelo zezimali ezitholiwe, njengoba uzokwazi ukuthi yimalini yanyanga zonke oyitholile. ungakhava ngaphandle kokuba nezinkinga ukuze ukwazi ukukhokhela zonke izindleko zakho.

Okuthile, mhlawumbe, okungaziwa kuze kube manje futhi okubaluleke kakhulu, ukuthi uma isimo sakho sezezimali sithuthuka, okungukuthi, bakhuphule iholo lakho noma ushintshe imisebenzi lapho iholo lingcono kakhulu, ungenza i-amortizations emikhulu noma kwaziwa nangokuthi "Izinkokhelo Zangaphambi kwesikhathi" ngale ndlela, unganciphisa lelo gama elalinqunywe ekuqaleni.

Khetha ibhizinisi elihle ozoxoxisana ngalo

Cishe ngaso sonke isikhathi lapho ukuhlanganiswa kabusha kwezikweletu kuvame ukwenziwa yilokho okwaziwa ngokuthi izinhlangano ezixoxisanayo, ngenxa yaleso sizathu, kubaluleke kakhulu ukwazi ukukhetha evumelana kangcono nezidingo zakho futhi ekukhathalelayo, unikeze ukunakwa komuntu siqu kumuntu ngamunye. amaklayenti abo ukuze abasize ngezinkinga zabo ngayinye, ngaphezu kwalokho, ukuze bakwazi ukukhetha eyodwa engenawo amakhomishini aphezulu kakhulu.

Hlanganisa kabusha omkhulu emsebenzini

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

Siyazi ukuthi yonke into ephathelene nokuphatha izindleko zasendlini ingaba nzima kubantu abaningi, ngakho-ke sincoma ukuthi uma ukuthola kunzima kakhulu ukukwenza, ungaqasha izinsiza zothile ongakwenzela zona. , futhi ingakweseka noma ikuqondise uze uzizwe uphephe ngokwanele ukuba ukwenze ngokwakho.

Ngendlela efanayo, sincoma futhi ukuthi ufune usizo kuchwepheshe uma udaba lwesikweletu luphuma esandleni, lo muntu uzokwazi ukukusiza wenze izinqumo ezingcono kakhulu futhi ubheke ezinye izindlela ezifanele kakhulu ngokusekelwe esimweni sakho, ngakho ungangabazi ukumbiza, angaba usizo kakhulu, ngezinye izikhathi kufanele sivume ukuthi ngeke sikwenze sodwa.

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


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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