Indlela enhle yokuhlanganisa isikweletu sekhadi lesikweletu iyehluka kuye ngomuntu nomuntu, kuya ngezimo zabo zezezimali nalokho abakuthandayo. Kwabanye, indlela engcono kakhulu yokuhlanganisa isikweletu kungaba ukukhokha imali esele kuqala bese ufaka lezo zinkokhelo ezikweletini ezinkulu zize zikhokhwe. Abanye bangacabanga ngokudlulisela imali esele ekhadini lesikweletu noma ukuthola imalimboleko yokuhlanganisa.
Kodwa-ke, ukuhlanganisa amabhalansi ekhadini lesikweletu noma ukusebenzisa imalimboleko kungaba yingozi ngoba uma udinga ukuboleka imali eyengeziwe, kungalinga ukusebenzisa enye yama-akhawunti we-zero balance. Lapho-ke isikweletu siyakhula, futhi ungazithola ususenkingeni yezezimali ngokushesha.
Kodwa-ke, ungakugwema ukuwela ezikweletini ngaphambi kokuba kwenzeke. Nawa amanye amathiphu okufika lapho:
- Gcina amabhalansi ephansi ukugwema inzalo eyengeziwe futhi ukhokhe izikweletu ngesikhathi.
- Kulungile ukuba namakhadi wesikweletu, kodwa uwaphathe ngendlela efanele. Lokhu kugcina umlando wombiko wakho wesikweletu. Labo abangenawo umlando wekhadi lesikweletu babhekwa njengengozi ephezulu yesikweletu.
- Gwema ukuhamba uzungeze isikweletu ngemalimboleko yokuqinisa isikweletu. Esikhundleni salokho, zikhokhele.
- Ungavuli amakhadi wesikweletu amasha amaningi ukwandisa isikweletu sakho esitholakalayo. Ubeka engcupheni yokuqongelela isikweletu esithe xaxa, ongeke ukwazi ukusikhokha.
Ngaphandle kokukhuthalela kwanoma ngubani ukuphatha imali yakhe ngokuhlakanipha, ubunzima bezezimali kwesinye isikhathi buvela ngenxa yokuphelelwa ngumsebenzi, isimo sezempilo, isehlukaniso, noma eminye imicimbi yokuphila.
Uma unenkinga yokuziphilisa, xhumana nabakweletayo noma i-ejensi esemthethweni engenzi-nzuzo egxile kuzinsizakalo zokweluleka ngesikweletu ukuze uthole usizo. Yenza lokhu ngokushesha okukhulu ukubona ukuthi isikweletu esihlanganisiwe singasiza kanjani ekunciphiseni umthwalo wengcindezi yezezimali. Uma ulinda isikhathi eside, izinselelo ozohlangabezana nazo kakhulu. Ukuqiniswa kwesikweletu kuvame ukuba yindlela yakho engcono kakhulu kulezi zimo, futhi umeluleki angakusiza kule nqubo.
Lezi izindlela ezinhle kakhulu zokuhlanganisa isikweletu sekhadi lesikweletu
Ukuhlanganisa isikweletu sekhadi lesikweletu ku- inzalo ephansi ivumela amakhaya anezikweletu ukuthi akhokhe lawo izikweletu ngokushesha futhi, ngasikhathi sinye, ukhokhe inzalo encane . Kusuka kumakhadi wesikweletu wokudlulisa ibhalansi kuya kwizimalimboleko zomuntu siqu, sizobuyekeza izinketho ezimbalwa ukuthola indlela engcono yokukhokha isikweletu masinyane futhi ngendlela efinyelelekayo.
Lezi izindlela ezintathu ezinhle kakhulu zokuhlanganisa isikweletu sekhadi lesikweletu kanye nobuhle nobubi bendlela ngayinye.
1. Sebenzisa ikhadi lesikweletu ukudlulisa ibhalansi
Kuyindida ngandlela thile, kepha amakhadi esikweletu angenye yamathuluzi amahle kakhulu wokuhlanganisa nokususa isikweletu sekhadi lesikweletu. Amakhadi amaningi aklanywe ngabanikazi bamakhadi abanezikweletu, ngokunikezwa okubandakanya inani lenzalo engu-0% ekudlulisweni kwemali esele kuze kube izinyanga ezingama-21.
Kunezinto ezimbili okufanele uzicabangele lapho ukhetha ibhalansi yokudlulisa ibhalansi: ubude besikhathi senzalo engu-0% kumabhalansi adlulisiwe nemali yokudluliswa yebhalansi etholwe ngumnikazi wekhadi.
Labo abangakhokha isikweletu sabo ngokushesha bangabeka kuqala ikhadi elinesikhathi APR Isingeniso esifushane esingu-0% sokudluliswa kwebhalansi ngokushintshisana ngemali engu-0% yemali yokudlulisa ibhalansi. Abanye bangakuthola kungcono ukukhokha imali encane yokudlulisa ibhalansi ukuvula isikhathi senzalo sokuqala esingu-0%.
Amakhadi amathathu alandelayo akhethwe ohlwini lwethu lwamakhadi wesikweletu amahle kakhulu wokudluliswa kwemali.
| Chase Slate® | Imijikelezo engu-15 yokukhokha | Akukho mali ekhokhwayo ngokudluliswa kwebhalansi kungakapheli izinsuku ezingama-60 zivunyelwe. Ngemuva kwalokho, imali inyuka iye ku- $ 5 noma i-5% yamanani adlulisiwe, noma yikuphi okukhulu. |
| ICiti Simplicity® | Imijikelezo yokukhokha engu-21 | $ 5 noma 3% wamanani adlulisiwe, noma yikuphi okukhulu. |
Umthombo wedatha: abakhipha amakhadi.
Ngamabhalansi angakhokhwa kumijikelezo yokukhokha eyi-15 (cishe izinyanga eziyi-15), iChase Slate ® ungumnqobi osobala. Abanikazi bamakhadi abafanelekayo bangadlulisela amabhalansi abo kwabambalwa bokuqala Ezinsukwini ezingama-60 ngemuva kokuvula i-akhawunti , khokha amabhalansi akho ngesikhathi senzalo engu-0% yomjikelezo wokukhokha ongu-15 ngakho-ke ukhokhe isikweletu sakho sekhadi lesikweletu ngokugcwele ngaphandle kokuthola isenti lenzalo. noma amanani.
Ukulula kweCiti ® kungaba yindlela engcono kubanikazi bamakhadi abalinde ukukhokha izilinganiso zabo esikhathini eside. Ikakhulu, ikhadi linikela ngesethulo esimangazayo esingu-0% esihlanganisa imijikelezo yokukhokha engu-21, noma izinyanga ezingaba ngu-21. Kodwa-ke, imali yokudlulisa ibhalansi ingayenza ingabizi kakhulu ezilinganisweni ezingakhokhwa ngokushesha, uma kunikezwa ukuthi imali engu-3% izokwengeza kufika ku- $ 150 ekudlulisweni kwemali esele engu- $ 5,000. Akusebenzi kahle ukukhokha imali isikhathi eside ukukhokha ibhalansi uma ungayidingi.
Isu elihle kakhulu ukuqala ngamakhadi angenayo imali yokudlulisa ibhalansi, noma ngabe anesikhathi esifushane esingu-0% sesingeniso. Qalisa ngeChase Slate ® isibonelo, ukukhokha izilinganiso ngangokunokwenzeka ngesikhathi sesingeniso, bese uhambisa ibhalansi esele ku-Citi elula ® ukuqeda ukukhokha ibhalansi esele.
ICiti Simplicity® neChase Slate® zidinga kuphela izikweletu ezinhle , kubenza babe ikhadi lokuqala elingcono lokudlulisa ibhalansi, ikakhulukazi uma amaphuzu akho esikweletu ethinteka ezilinganisweni eziphezulu zekhadi lesikweletu.
2. Cabanga ngemalimboleko yomuntu siqu
Imalimboleko yomuntu siqu ingaba yindlela enhle yokuhlanganisa nokukhokha isikweletu sekhadi lesikweletu, kepha kuyindlela ebiza kakhulu ekhokhela isikweletu kunekhadi lesikweletu lokudlulisa ibhalansi.
Ngokuya ngemininingwane evela kuFederal Reserve, isilinganiso senzalo esimaphakathi semalimboleko yomuntu siqu yezinyanga ezingama-24 sasingaphezu kuka-10% ngonyaka ngoFebhuwari. Lokho kuphakeme kakhulu kune-0% APR etholakala kwizivumelwano eziningi ezinhle kakhulu.
Vele, amanani aphansi ayatholakala kubaboleki abanamaphuzu amahle kakhulu esikweletu. Amabhange amaningana akhombisa amanani acishe abe ngu-5% wemalimboleko yomuntu siqu kusuka ezinyangeni ezingama-24 kuye kwezingu-36 zabantu abanesikweletu esihle kakhulu. Futhi, kuyisixazululo, kepha kubiza kakhulu kunekhadi lokudlulisa ibhalansi, ngisho nakubantu abanesikweletu esihle kakhulu. Ngilinganisela imalimboleko yomuntu siqu njengesixazululo sesibili esingcono kakhulu nesifanele ukusihlola kuphela uma ungatholi ikhadi lokudlulisa ibhalansi elilingana nosayizi owanele ukuze uphinde wenze izilinganiso ezikhona.
3. Sebenzisa imali yakho yasekhaya
Imalimboleko yemali yasekhaya ingasetshenziselwa ukuhlanganisa isikweletu ngenani lentengo ephansi bese usikhokha eminyakeni eminingi (iminyaka emihlanu kuya kwengu-15, kwezinye izimo). Njengenzuzo eyengeziwe, inzalo oyikhokhayo kwimalimboleko yemali yasekhaya ingahle idonselwe intela, ngenxa yokudonswa kwentela yenzalo yempahla. Ababoleki abafanelekayo bangathola amanani aphansi njengama-4%, angawela ezingeni elisebenza ngaphansi kuka-3% ngemuva kokubhekwa kokudonswa kwentela.
Kepha ngaphambi kokungena emalini yenzalo ephansi kanye nesikhathi eside ukukhokha imalimboleko, cabanga ngama-downsides. Okokuqala, inani eliphansi lenzalo lingaba yisimanga. Kungase kudingeke ukhokhe inani elikhulu emalini ekhokhwa ngaphambili kanye nezindleko zokuhlola ukuze uvikele inani eliphansi emalimboleko emakhaya, ususe enye inzuzo yenzalo yenzalo. Futhi, kungathatha amasonto ambalwa noma izinyanga ukuqedela inqubo yokubhala phansi, ngenkathi ikhadi lokubolekwa noma lokudlulisa ibhalansi lingavulwa futhi lilungele ukusetshenziswa ezinsukwini ezimbalwa, impela lingaphansi kwesonto.
Futhi, imalimboleko yemali yekhaya iyindlela eyingozi ngokumangalisayo yokuhlanganisa isikweletu. Uma uhluleka ukukhokha ikhadi lesikweletu noma imalimboleko yomuntu siqu, umphumela ongaba mubi kakhulu yisinqumo senkantolo esikuphoqa ukuthi ufayele ukuqothuka. Uma ungakhokhi imalimboleko yendlu, isimo esibi kakhulu sibi kakhulu: iphutha, ukuqothuka, nokulahlekelwa yikhaya lakho ekuchithweni.
Le ndlela iyingozi kakhulu yokuboleka, kanti amanani aphansi anikezwa ngamabhange akhombisa amabhange anobungozi aphansi awathathayo lapho ebhala imali mboleko yezindlu. Amabhange afana nalezi zinhlobo zemalimboleko ngoba ayazi ukuthi uma ungakhokhi, angathatha ikhaya lakho, alithengise endalini yokudela, bese ethola imali yakho, uma kungeyona yonke,. Obolekayo uzosala nesikweletu esesonakele futhi afune indawo yokuhlala entsha.
Ukhulume ngemalimboleko yemali yasekhaya ngoba ivame ukwethulwa njengendlela enhle yokuhlanganisa izikweletu, hhayi ngoba ucabanga ukuthi ziyindlela enhle. Iqiniso ukuthi, ngibabona njengenye yezindlela ezimbi kakhulu zokwengeza isikweletu sekhadi lesikweletu ngoba ubungozi bukhulu futhi ngoba bakhuthaza ukukhokha isikweletu samakhadi wesikweletu kancane kancane eminyakeni eminingana, okuholela ekusetshenzisweni kwemali eningi kwenzalo kunokuba kube yinhloko.
Indlela enhle yokuhlanganisa isikweletu sekhadi lesikweletu
Njengoba kunikezwe ubungozi obukhulu bemalimboleko yemali yekhaya, ngicabanga ukuthi kufanele ichithwe ngokuphelele njengendlela yokuthola kabusha isikweletu sekhadi lesikweletu. Okuwukuphela kwento enikezwa yimalimboleko yesibambiso sesibambiso semali noma yesekhaya isikhathi esiningi sokukhokha ibhalansi. Ukwehla kobungozi kuyingcuphe eyandisiwe yokuchithwa, izindleko ezingaba phezulu kakhulu (ukuhlolwa kanye nemali yamadokhumenti), nesikhathi esengeziwe namandla asetshenzisiwe kunqubo yokubhala phansi.
Lokhu kushiya imalimboleko yomuntu siqu noma ukudluliswa kwebhalansi njengenketho engcono kakhulu. Umbono wami yilokho 0% amakhadi wokudlulisa ibhalansi yibo indlela yokuhamba . Isu elihle lokudlulisa ibhalansi limi ngale ndlela elandelayo: vula ikhadi lokudlulisa isikweletu ibhalansi ku-0% ngezimali eziphansi noma ezingenayo zokudlulisa ibhalansi, dlulisa izilinganiso zakho ekhadini bese ugcina ikhadi elibonakalayo kwenye indawo okungelula ukulifinyelela. Fihla amakhadi esikweletu amadala bese uqala ukusebenzisa ukheshi noma ukudonswa kwemali ukwenza isabelomali inyanga ngayinye ukugwema isilingo sokuqongelela amabhalansi amasha ngenkathi ukhokha izikweletu ezindala.
Labo abadinga isikhathi esithe xaxa sokukhokha amabhalansi bangakhathazeka ngalokho kamuva. Akukho ukushoda kwamakhadi wokudlulisa ibhalansi we-0% we-APR angasetshenziswa ukudlulisa izilinganiso lapho kuphela isikhathi sokungenisa esingu-0%. Futhi, uma ekugcineni isikweletu sivele sibe sikhulu kakhulu ukuthi singalawuleka, abanikazi bamakhadi bangakhululeka ngokuthi ababekanga engozini ikhaya labo ukuhlanganisa ibhalansi noma ukuthi kufanele bathwale inzalo ephezulu emalimboleko abo.
Faka okuncane imali okungeziwe esikhwameni sakho semali
Ubuwazi ukuthi ukusebenzisa amakhadi wesikweletu abuyisa ukheshi ekusetshenzisweni kwansuku zonke kungenye yezindlela ezilula zokugcwalisa amapokhethi akho ngemali ethe xaxa?
Iqiniso . Futhi lokhu kukhetha kokuqala kungelinye lamakhadi anenzuzo enkulu esiwabonile. Nazi ezinye izizathu zokuthi kungani kuyikhadi lethu lemali elilinganiswe kakhulu:
- Ungathola imali efinyelela ku-5% emuva
- Kulula ukuvikela inani lama- $ 1,148 (noma ngaphezulu) ngenkathi ukhokha u- $ 0 ngezimali zonyaka
- Ungagwema inzalo ekuthengeni KANYE nokudluliswa kwamabhalansi isikhathi esingaphezu konyaka nge-0% eqala ngo-APR
Kepha okubaluleke kakhulu: kulula KAKHULU UKUTHI ukhuphule imivuzo yakho yemali ngonyaka wokuqala.
Okuqukethwe
- Lezi izindlela ezinhle kakhulu zokuhlanganisa isikweletu sekhadi lesikweletu
- 1. Sebenzisa ikhadi lesikweletu ukudlulisa ibhalansi
- 2. Cabanga ngemalimboleko yomuntu siqu
- 3. Sebenzisa imali yakho yasekhaya
- Indlela enhle yokuhlanganisa isikweletu sekhadi lesikweletu
- Faka imali ethe xaxa esikhwameni sakho semali