11/15/2023

Lapho singena ohambweni lokuba ngumninikhaya noma lokunikeza izimali kabusha, omunye wemibuzo ebalulekile ovelayo uthi, “Iliphi inani elingcono kakhulu lemali ebolekiwe?”Lo mhlahlandlela obanzi uhlose ukususa umqondo wamazinga entengo yezindlu ezibolekiwe, ukuhlola izici ezithonya ukuzimisela kwazo, nokuhlinzeka ngemininingwane ezokusiza uzulazule esimweni sezinketho zenani lemali ebolekiwe.

Ukuqonda Izilinganiso Zezindlu Ezigxilile

Incazelo Nozinzo

Isilinganiso semali ebolekiwe esingaguquki sisho inani lenzalo elihlala linjalo phakathi nesikhathi semali mboleko.Ngokungafani ne-adjustable-rate mortgages (ama-ARM), lapho amanani angase aguquguquke, amanani angashintshi anikeza ukuzinza nokubikezela ezinkokhelweni zanyanga zonke.Lokhu kubenza babe ukukhetha okudumile phakathi kwabathenga izindlu abafuna izibopho zezimali ezingaguquki futhi ezilawulekayo.

Izici Ezithonya Izilinganiso Ezigxilile

1. Izimo Zomnotho: Isimo somnotho sisonke, okuhlanganisa amazinga okwehla kwamandla emali namazinga okuqashwa, kungaba nomthelela emazingeni emali ebolekiwe.Ngezikhathi zokukhula komnotho, amanani angase enyuke, kuyilapho ukwehla komnotho kungase kubonakale ukwehla.
2. Ukufaneleka Kwesikweletu: Ukufaneleka komuntu ngamunye ngesikweletu kudlala indima ebalulekile ekunqumeni izinga lenzalo elinikezwa umboleki.Labo abanamaphuzu esikweletu aphezulu bavame ukufaneleka ukuthola amanani avumayo.
3. Amathrendi ezimakethe: Amanani emali ebolekiwe athonywa amathrendi emakethe abanzi, okuhlanganisa nokunyakaza emakethe yebhondi.Izinguquko emkhiqizweni kumabhondi kahulumeni zingaba nomthelela omubi emazingeni emali ebolekiwe angaguquki.
4. Isikhathi Semalimboleko: Isikhathi semalimboleko, esifana neminyaka eyi-15, 20, noma engama-30, singaba nomthelela kwisilinganiso senzalo.Ngokuvamile, imali mboleko yesikhathi esifushane ingase ibe namazinga aphansi, kodwa izinkokhelo zanyanga zonke zingaba phezulu.

Ukufuna Isilinganiso Esingcono Kakhulu Sokubolekwa Kwezindlu: Amaqhinga Abalulekile

1. Ucwaningo Nokuqhathanisa

Yenza ucwaningo olunzulu ukuze uqonde amanani emali ebolekiwe akhona emakethe.Sebenzisa amathuluzi aku-inthanethi, thintana nababolekisi, futhi uqhathanise amanani kuzo zonke izikhungo zezezimali ezihlukene.

2. Thuthukisa Isikolo Sesikweletu

Ukuthuthukisa amaphuzu akho esikweletu kungavula iminyango yamazinga angcono kakhulu emali ebolekiwe engaguquki.Beka kuqala izinkokhelo ngesikhathi, wehlise izikweletu ezisele, futhi ulungise noma yikuphi ukunemba embikweni wakho wesikweletu.

3. Linganisa Imigomo Yemalimboleko

Cabangela ukuhwebelana phakathi kwemibandela ehlukene yemalimboleko.Nakuba imigomo emifushane ingase inikeze amanani aphansi, imigomo emide inikeza ukuguquguquka okunwetshiwe kokukhokha.Khetha igama elihambisana nemigomo yakho yezezimali.

4. Hlola Izinketho Zombolekisi

Xhumana nababolekisi abahlukahlukene ukuze uhlole amanani entengo emali ebolekiwe abawanikezayo.Ababolekisi abahlukene bangase babe nezinhlaka nemibandela yesilinganiso esiyingqayizivele, okukuvumela ukuthi ukhethe inketho evumelana nezintandokazi zakho.

Ukuqopha Umbono Wesilinganiso Semali Yendlu Esihle “Engcono Kakhulu”

1. Imvelo Yomuntu Ngamunye

Umqondo wezinga “elingcono kakhulu” lemali ebolekiwe ungumuntu ngamunye ngokwemvelo.Okungase kube kuhle kumboleki oyedwa kungase kungafani nakomunye.Cabangela isimo sakho sezezimali, ukubekezelela ubungozi, nezinjongo zesikhathi eside.

2. Izinga-Khiya Ukucatshangelwa

Amanani emali ebolekiwe angashintshashintsha nsuku zonke.Uma uthola izinga elihambisana nemigomo yakho, cabanga ukulikhiyela ngaphakathi. Izikhiya zezilinganiso zinikeza isivikelo ekukhuphukeni kwesilinganiso okungase kube khona ngaphambi kokuvala.

3. Ingqikithi Yezindleko Zokuhlola

Kunokuba ugxile esilinganisweni senzalo kuphela, hlola izindleko eziphelele zemali mboleko.Lokhu kuhlanganisa izinkokhelo, izindleko zokuvala, nanoma yiziphi izindleko ezengeziwe ezihlobene ne-mortgage.Izinga lenzalo eliphansi lingase lingalingani nezindleko eziphansi.

Isiphetho: Ukuzulazula Emkhakheni Wezilinganiso Zezindlu Ezigxilile

Emzamweni wezinga elingcono kakhulu lemali ebolekiwe, kubalulekile ukubhekana nesinqumo ngenhlanganisela yocwaningo, ukuqwashisa ngezezimali, nokuqonda okucacile kwezimo zakho ezihlukile.Izilinganiso zezindlu ezilungisiwe zinikeza ukuzinza nokubikezelwa, okuwenza abe inketho ekhangayo kubathengi abaningi bezindlu.Ngokusebenzisa amasu ashiwo futhi wamukele isimo somuntu ngamunye sesinqumo, ungakwazi ukuzulazula endaweni yamazinga emali ebolekiwe ngokuzethemba, ekugcineni uthole isilinganiso esiqondana kalula nobunikazi bakho bendlu noma izifiso zokuthola kabusha imali.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.