Eyona ndlela yokudibanisa ityala lekhadi lokuthenga ngetyala yahlukile kumntu nomntu, kuxhomekeke kwiimeko zabo zemali kunye nezinto abazithandayo. Kwabanye, eyona ndlela yokudibanisa ityala inokuba kukuhlawula kuqala iibhalansi ezincinci kwaye emva koko udibanise ezo ntlawulo kwiibhili ezinkulu de zibe zihlawulwe. Abanye banokucinga ngokudlulisela ibhalansi kwikhadi letyala okanye ukufumana imali mboleko yokudityaniswa.
Nangona kunjalo, ukudibanisa ibhalansi kwikhadi letyala okanye ukusebenzisa imali mboleko kunokuba yingozi kuba ukuba ufuna ukuboleka imali eyongezelelweyo, kunokuba kukuhenda ukuba usebenzise enye yeeakhawunti zebhalansi. Emva koko ityala liyakhula, kwaye unokuzifumana usengxakini yezemali ngokukhawuleza.
Nangona kunjalo, unokukuphepha ukuwela ematyaleni ngaphambi kokuba yenzeke. Nazi ezinye iingcebiso zokufika apho:
- Gcina ibhalansi iphantsi ukuthintela inzala eyongezelelweyo kwaye uhlawule amatyala ngexesha.
- Kulungile ukuba namakhadi etyala, kodwa uphathe ngokufanelekileyo. Oku kugcina imbali yengxelo yakho yamatyala. Abo bangenayo imbali yekhadi letyala bathathelwa ingqalelo njengomngcipheko ophezulu kumatyala.
- Kuphephe ukuhambahamba ematyaleni ngemboleko yokudityaniswa kwetyala. Endaweni yoko, yihlawule.
- Sukuvula amakhadi amatyala amatsha amaninzi ukwandisa ikhredithi yakho ekhoyo. Ubeka emngciphekweni wokuqokelela amatyala amaninzi, ongenakukwazi ukuwahlawula.
Ngaphandle kokuzama kwakhe nabani na ukulawula imali yakhe ngobulumko, ubunzima bezemali ngamanye amaxesha benzeka ngenxa yokuphulukana nomsebenzi, imeko yezonyango, uqhawulo-mtshato, okanye ezinye iziganeko zobomi.
Ukuba unengxaki yokufumana imali, nxibelelana nabatyalwayo bakho okanye iarhente esemthethweni engenzi nzuzo egxile kwiinkonzo zokucebisa ngetyala ngoncedo. Yenza oku ngokukhawuleza ukuze ubone ukuba ityala elihlanganisiweyo linokunceda njani ukunciphisa umthwalo woxinzelelo lwezezimali. Okukhona ulindile, kokukhona kuya kubakho imiceli mngeni emininzi ojamelana nayo. Ukudityaniswa kwamatyala kuhlala kuyeyona ndlela uyifunayo kwezi meko, kwaye umcebisi unokukunceda kwinkqubo.
Ezi zezona ndlela zibalaseleyo zokuhlanganisa ityala lekhadi letyala
Ukudibanisa ityala letyala kwi inzala ephantsi ivumela amakhaya anamatyala ukuba ahlawule awabo amatyala ngokukhawuleza kwaye, kwangaxeshanye, hlawula inzala encinci . Ukusuka kwibhalansi yokuhambisa amakhadi etyala kwimali mboleko yakho, siza kuqwalasela iindlela ezimbalwa ukufumana eyona ndlela yokuhlawula ityala ngokukhawuleza nangokungabizi mali ininzi.
Ezi zintathu zeendlela ezilungileyo zokudibanisa ityala lekhadi letyala kunye neenzuzo kunye neengozi zendlela nganye.
1. Sebenzisa ikhadi lokuthenga ngetyala ngokudlulisa imali eseleyo
Kuyamangalisa, kodwa amakhadi etyala sesinye sezixhobo ezilungileyo zokudibanisa kunye nokuphelisa ityala lekhadi letyala. Amakhadi amaninzi ayilelwe abanamakhadi abanamatyala engqondweni, kunye nezibonelelo ezibandakanya iipesenti ezi-0 zenzala kuthumelo lwemali eseleyo ukuya kwiinyanga ezingama-21.
Kukho izinto ezimbini ekufuneka ziqwalaselwe xa ukhetha ibhalansi yokudlulisa ikhadi letyala: ubude bexesha lokuqala lenzala kwi-0% kwiibhalansi ezigqithisiweyo kunye nemali yokudlulisa imali eseleyo eyenziwe ngumnini wekhadi.
Abo banakho ukuhlawula ityala labo ngokukhawuleza banokubeka phambili ikhadi elinethuba APR I-0% intshayelelo emfutshane kudluliso lwemali eseleyo kutshintshiselwano nge-0% yemali yokudlulisa ibhalansi. Abanye banokubona kungcono ukuhlawula umrhumo omncinci wokudlulisa ibhalansi ukuvula ixesha elide le-0% lenzala.
La makhadi mathathu alandelayo akhethwe kuluhlu lwethu lwamakhadi etyala amahle kakhulu okuhambisa imali eseleyo.
| Chase uSlate® | Imijikelo eli-15 yokuhlawula | Akukho mrhumo wokudluliselwa kwemali eseleyo kwiintsuku ezingama-60 zokuvunywa. Emva koko, iifizi zinyuka ukuya kwi-5 yeedola okanye kwiipesenti ezi-5 zeerandi ezigqithisiweyo, nokuba yeyiphi enkulu. |
| ICiti Simplicity® | Imijikelo yama-21 yamatyala | Iidola ezi-5 okanye ezi-3 zeepesenti zeemali ezigqithisiweyo, nokuba yeyiphi na enkulu ngakumbi. |
Umthombo wedatha: abaniki bamakhadi.
Kwiibhalansi ezinokuhlawulwa kwimijikelezo ye-15 yokuhlawula (malunga neenyanga ezili-15), Chase Slate ® uphumelele ngokucacileyo. Abanini bamakhadi abafanelekileyo banokuhambisa i-balansi yabo kwezimbalwa zokuqala Kwiintsuku ezingama-60 emva kokuvula iakhawunti , Hlawula ibhalansi yakho ngexesha le-0% lexesha lenzala yomjikelo wetyala eli-15 kwaye ke ngoko lihlawule lonke ityala lakho lekhadi letyala ngaphandle kokwenza ipeni yenzala. okanye amaxabiso.
Ukulula kweCiti ® kunokuba yinto ebhetele kubanini bamakhadi abalinde ukuhlawula iibhalansi zabo ixesha elide. Ngokukodwa, ikhadi libonelela ngokumangalisayo nge-0% yexesha lokwazisa elihamba ngemijikelezo yamatyala engama-21, okanye malunga neenyanga ezingama-21. Nangona kunjalo, umrhumo wokudlulisa ibhalansi unokwenza ukuba kungabikho mali incinci kwiibhalansi ezinokuhlawulwa ngokukhawuleza, ngenxa yokuba umrhumo we-3% ungadibanisa ukuya kuthi ga kwiidola ezili-150 kuthengiso lwebhalansi eyi- $ 5,000. Akunakulungeleka ukuhlawula umrhumo ixesha elide ukuhlawula ibhalansi ukuba awuyidingi.
Elona qhinga lilungileyo kukuqala ngamakhadi aswele umrhumo wokudlulisa ibhalansi, nokuba anethuba elifutshane le-0% lokwazisa. Qalisa ngeChase Slate ® umzekelo, ukubhatala ibhalansi kangangoko kunokwenzeka ngexesha lokwazisa, emva koko uhambise imali eseleyo kwi-Citi elula ® ukugqiba ukuhlawula ibhalansi eseleyo.
ICiti Simplicity® kunye neChase Slate® zifuna amanqaku amanqaku amahle kuphela , ukubenza babe likhadi lokuqala elingcono lokudlulisa ibhalansi, ngakumbi ukuba amanqaku akho etyala achaphazeleka kwimilinganiselo ephezulu yamakhadi etyala.
2. Cinga ngemali mboleko yakho
Imali mboleko yakho inokuba yindlela elungileyo yokudibanisa kwaye uhlawule ityala lekhadi letyala, kodwa yindlela ebiza kakhulu ukuhlawula ityala kunekhadi lokuthenga ngetyala elilinganisiweyo.
Ngokwedatha evela kwiFederal Reserve, iqondo lenzala eliqhelekileyo kwimali mboleko yobuqu yeenyanga ezingama-24 yayingaphezulu nje kwe-10% ngonyaka ngoFebruwari. Iphakame kakhulu kune-0% ye-APR ekhoyo kwizona zivumelwano zibalaseleyo.
Ewe kunjalo, kukho amaxabiso asezantsi afumanekayo kubabolekisi ngamanqaku aphezulu emboleko. Iibhanki ezininzi zibonisa amaxabiso ejikeleze i-5% kwimali mboleko yomntu ukusuka kwiinyanga ezingama-24 ukuya kwezingama-36 zabantu abanamatyala amahle. Kwakhona, sisisombululo, kodwa kubiza kakhulu kunekhadi lokudlulisa imali eseleyo, nakubantu abanamatyala amahle. Ndilinganisela imali mboleko yobuqu njengesisombululo sesibini esona silungileyo kwaye esinye kufanelekile ukuba siphonononge kuphela ukuba awufumani makhadi okuhambisa imali esikali esaneleyo ukucoca ibhalansi esele ikho.
3. Sebenzisa ubulungisa bendlu yakho
Imali mboleko yokuthenga izindlu inokusetyenziselwa ukudibanisa ityala kumyinge wenzala ephantsi kwaye ihlawulwe kwisithuba seminyaka eliqela (iminyaka emihlanu kuye kwi-15, kwezinye iimeko). Njengenzuzo eyongeziweyo, inzala oyibhatalayo kwimali mboleko yemali mboleko yasekhaya inokutsalwa kwirhafu, ngenxa yokuncitshiswa kwerhafu yenzala. Ababolekisi abafanelekileyo banokufumana amaxabiso asezantsi kangange-4%, anokuhla kwizinga elisebenzayo elingaphantsi kwe-3% emva kokuba kuthathwe irhafu.
Kodwa ngaphambi kokuba ungene kumazinga enzala asezantsi kunye nexesha elide lokuhlawula imali mboleko, jonga ezantsi. Okokuqala, inzala ephantsi inokuba sisimanga. Kuya kufuneka uhlawule isixa esikhulu kwimirhumo engaphambili kunye neendleko zovavanyo ukukhusela iqondo eliphantsi kwimali mboleko yekhaya, ususe inqanaba lenzala ethile. Kwaye kunokuthatha iiveki okanye iinyanga ukugqibezela inkqubo yokubhala phantsi, ngelixa imali mboleko yomntu okanye ikhadi lokudlulisa ibhalansi linokuvulwa kwaye likulungele ukusetyenziswa kwiintsuku ezimbalwa, ngokuqinisekileyo ngaphantsi kweveki.
Kananjalo imali mboleko yokulingana ekhaya yindlela eyingozi ngokumangalisayo yokudibanisa ityala. Ukuba awuyihlawuli ikhadi lekhredithi okanye imali mboleko yakho, esona siphumo sibi sisigwebo senkundla esikunyanzela ukuba ufake ifayile njengongenamali. Ukuba awuyibhatali imali mboleko yekhaya, imeko enzima kakhulu imbi kakhulu: ukusilela, ukubhengezwa, kunye nelahleko yekhaya lakho ekuxekweni.
Le yindlela esemngciphekweni kakhulu yokuboleka, kwaye amaxabiso asezantsi anikezelwa ziibhanki abonakalisa umngcipheko ophantsi weebhanki xa zibhala iimali mboleko zokuthenga izindlu. Iibhanki ezinje ngezi ntlobo zemali mboleko kuba ziyazi ukuba ukuba awenzi ntlawulo, angalithatha ikhaya lakho, alithengise kwifandesi yokuthengisa, kwaye ufumane uninzi lwemali yakho, ukuba ayingabo bonke. Umboleki uya kusala enetyala kwaye akhangele indawo yokuhlala entsha.
Ukhankanye imali mboleko yokulingana ekhaya ngenxa yokuba zihlala ziboniswa njengeyona ndlela yokuhlanganisa amatyala, hayi kuba ucinga ukuba yindlela elungileyo. Inyani yile, ndiyababona njengeyona ndlela imbi yokuhlawula kwakhona ityala lekhadi letyala kuba umngcipheko mkhulu kakhulu kwaye ngenxa yokuba bakhuthaza ukuhlawula ityala lekhadi letyala kancinci kwiminyaka eliqela, okukhokelela kwinkcitho enkulu yemali echithwe kwinzala endaweni yenqununu.
Eyona ndlela yokudibanisa ityala lekhadi letyala
Ngenxa yomngcipheko omkhulu wemali mboleko yokulingana ekhaya, ndicinga ukuba kufanele ichithwe ngokupheleleyo njengendlela yokuhlawula ityala letyala lekhadi. Uncedo kuphela ekubambiseni ngemali mboleko yesibini okanye imali mboleko yokulingana ekhaya lixesha elininzi lokuhlawula ibhalansi. Ukuhla komngcipheko ngumngcipheko owandisiweyo wokubhengezwa, iindleko ezinokubakho eziphezulu (ukuvavanywa kunye nemirhumo yamaxwebhu), kunye nexesha elongeziweyo kunye namandla achithwe kwinkqubo yokubhala.
Oku kushiya imali mboleko yomntu okanye ukugqithisela ibhalansi njengeyona ndlela ifanelekileyo. Uluvo lwam kukuba 0% amakhadi okuhambisa imali eseleyo Nguwe indlela yokuhamba . Isicwangciso esifanelekileyo sokudlulisa imali ngolu hlobo lulandelayo: vula ikhadi lokuhambisa ngetyala imali eseleyo kwi-0% ngeentlawulo eziphantsi okanye ezingenakho zokudlulisa ibhalansi, tshintshela ibhalansi yakho ekhadini kwaye emva koko ugcine ikhadi elibonakalayo kwindawo engalulanga ukufikelela kuyo. Fihla amakhadi akudala okuthenga ngetyala kwaye uqalise ukusebenzisa ikheshi okanye ukutsalwa kwemali kuhlahlo-lwabiwo mali kwinyanga nganye ukunqanda isilingo sokuqokelela imali eseleyo ngelixa uhlawula amatyala amadala.
Abo bafuna ixesha elingaphezulu lokuhlawula ibhalansi banokukhathazeka malunga noku kamva. Akukho kunqongophala kwe-0% yamakhadi okudlulisa ibhalansi anokusetyenziselwa ukuhambisa iibhalansi xa ixesha lokuqalisa le-0% liphela. Kwakhona, ukuba ityala ekugqibeleni ligqibe ukuba likhulu kakhulu ukuba lingalawuleka, abanini bamakhadi banokukhululeka ekubeni bengazubeka emngciphekweni ikhaya labo lokudibanisa ibhalansi okanye kufuneka baphathe inzala ephezulu kwimali mboleko yabo.
Yongeza kancinci imali eyongezelelweyo kwisipaji sakho
Ngaba uyazi ukuba ukusebenzisa amakhadi abuyisa imali ezinkcitho yemihla ngemihla yenye yeendlela ezilula zokugcwalisa iipokotho ngemali eyongezelelweyo?
Yinyani . Kwaye olu khetho lokuqala lelinye lawona makhadi anenzuzo esiyibonileyo. Nazi ezinye zezizathu zokuba ibe leliphi elona khadi liphezulu lemali yokubuyisa imali:
- Unokufumana ukuya kuthi ga kwi-5% yemali
- Kulula ukukhusela i-1,148 yeedola (okanye nangaphezulu) ngelixa uhlawula i- $ 0 kwimirhumo yonyaka
- Unokuthintela inzala ekuthengeni KUNYE nokuhanjiswa kwemali eseleyo ngaphezulu konyaka omnye nge-0% yokuqala ye-APR
Kodwa okubaluleke kakhulu: Kulula ukuba NGOKUQINISEKILEYO wandise umvuzo wakho wemali kunyaka wokuqala.
Iziqulatho
- Ezi zezona ndlela zibalaseleyo zokuhlanganisa ityala lekhadi letyala
- 1. Sebenzisa ikhadi lokuthenga ngetyala ngokudlulisa imali eseleyo
- 2. Cinga ngemali mboleko yakho
- 3. Sebenzisa ubulungisa bendlu yakho
- Eyona ndlela yokudibanisa ityala lekhadi letyala
- Yongeza imali encinci eyongezelelweyo kwisipaji sakho