Yiya kumxholo ophambili
← Onke amagama

Intlawulo yangaphambili / ukuhlawula kwangethuba

Inkcazo

Ukuhlawula kwangethuba kukuhlawula imali-mboleko ngokupheleleyo ngaphambi kokuphela kwexesha layo. Isixa sokuhlawula sidibanisa inzala eqokelelweyo neentlawulo kwaye sitsala naziphi na izaphulelo.

Intlawulo kwangaphambili yiyo nayiphi na intlawulo eyenziwa phambi kweshedyuli yesivumelwano. Ukuhlawula kwangoko yinguqulelo epheleleyo: ukuhlawula yonke intsalela eseleyo phambi kokuphela kwexesha, ukuvala imali-mboleko.

Umahluko ubalulekile kuba ezi zinto zimbini zivelisa iinkqubo ezahlukeneyo kunye nezibophelelo ezahlukeneyo.

Intlawulo kwangaphambili eyinxenye

  • Isixa esihlawulweyo: Ngaphezulu kwesavenge, kodwa ngaphantsi kwentsalela epheleleyo
  • Ubume bemboleko emva koko: Iyaqhubeka, kunye nexesha elihlaziyiweyo okanye isavenge esihlaziyiweyo
  • Ifuna ikowuti: Hayi
  • Isibambiso / abaqinisekisi bakhululwe: Hayi

Ukuhlawula kwangoko ngokupheleleyo

  • Isixa esihlawulweyo: Yonke isixa sokuvala
  • Ubume bemboleko emva koko: Ivaliwe
  • Ifuna ikowuti: Ewe — isixa sokuvala
  • Isibambiso / abaqinisekisi bakhululwe: Ewe

Ukuvuthwa okucwangcisiweyo

  • Isixa esihlawulweyo: Isavenge sokugqibela esicwangcisiweyo
  • Ubume bemboleko emva koko: Ivaliwe
  • Ifuna ikowuti: Hayi
  • Isibambiso / abaqinisekisi bakhululwe: Ewe

Ubuxhakaxhaka bentlawulo kwangaphambili eyinxenye — ukunciphisa ixesha xa kuthelekiswa nokunciphisa isavenge, nendlela iintlawulo ezabiwa ngayo — kucaciswa phantsi kwentlawulo egqithisileyo. Intlawulo enokusebenza icaciswa phantsi kwesohlwayo sokuhlawula kwangaphambili. Eli phepha lijongene nesixa sokuvala ngokwaso noko kufuneka kwenzeke xa imali-mboleko ivalwa kwangoko.

Isixa sokuvala

Eyona nto iqhelekileyo yokungaqondi kakuhle malunga nokuhlawula kwangoko kukuba isixa esihlawulwayo silingana nentsalela eboniswe kwingxelo yokugqibela. Akunjalo.

Isixa sokuvala sakhiwa ngolu hlobo lulandelayo:

   Principal outstanding
 + Interest accrued since the last payment date
 + Unpaid fees and charges
 + Penalty interest on any arrears
 + Prepayment / early settlement charge, if applicable
 − Rebate of unearned interest (flat-rate and pre-computed loans)
 − Refund of unearned credit life premium
 − Any credit balance or unallocated funds held
 = Settlement figure

Umzekelo osebenzayo. Umboleki onetyala eliyintloko eliseleyo le-$8,400 nge-18% ngonyaka kwibhalansi enciphayo, kwiintsuku ezili-14 emva kwesavenge sokugqibela, ngokwesiseko se-Actual/365, enentlawulo yokuhlawula kwangethuba ye-2% kunye ne-$45 yepremiyamu yomshuwalense wobomi wetyala engekafunyanwa:

Principal                        8,400.00
Accrued interest (14 days)          57.99
Early settlement charge (2%)       168.00
Credit life premium refund         (45.00)
                                 ─────────
Settlement figure                8,580.99

Umgca wenzala ekhulileyo sisizathu sokuba inani lokuhlawula litshintshe yonke imihla, kwaye libe ngaphezu kwebhalansi yengxelo.

Inzala engekafunyanwa kunye nembuyekezo

Ubungakanani bokuzuza komboleki ngokwenene ngokuhlawula kwangethuba buxhomekeke ekubeni inzala ibalwe njani.

Ibhalansi enciphayo. Inzala ikhula kwimali eseleyo njengoko ixesha lihamba. Akukho nto ihlawuliswe ngekamva, ngoko ke akukho nto ifuna ukubuyiselwa — ukuhlawula kwangethuba kumisa nje ukukhula okungakumbi. Le yeyona meko icocekileyo.

Inzala ethe tyaba okanye ebalwe kwangaphambili. Inzala iyonke yayimiselwe ekuqaleni kwaye yahlawuliswa kulo lonke ishedyuli kungakhathaliseki iibhalansi zokwenene. Umboleki ohlawula embindini wexesha uhlawuliswe ixesha angayi kulisebenzisa, kwaye loo nzala engekafunyanwa kufuneka ibuyiselwe ukuze ukuhlawula kwangethuba kube nexabiso.

Indlela yembuyekezo imisela ukuba ingakanani ebuyayo:

  • Indlela ye-akthuwari — ibonakalisa inzala yokwenene engekapheli; eyona ndlela yokubala inobulungisa
  • Rule of 78 — ubeka inzala eninzi ekuqaleni, ibuyisa imali encinci kakhulu kunokuba bekulindelwe phakathi kwixesha
  • Akukho mbuyekezo — umboleki akafumani nto kwaphela ngokuhlawula kwangethuba

Kwimali-mboleko enenzala ethe tyaba, umbuzo wokuqala ayingo"yintoni isohlwayo" koko "yiyiphi imbuyekezo esebenzayo" — kuba ukungabikho kwembuyekezo kuyindleko enkulu kakhulu kunayo nayiphi na intlawulo echaziweyo.

Iikowuti, ukusebenza kunye nokubekwa komhla wexabiso

Inani lokuhlawula liyikowuti esebenza kumhla othile, kuba inzala iqhubeka ikhula yonke imihla de imali ingene ngokwenene.

  • Cela ukuba ikowuti ibhalwe phantsi, icaciswe ngokwezinto, kunye nomhla wokuphelelwa ochaziwe.
  • Hlawula ngaphambi kokuphelelwa. Ukuhlawula emva koko kushiya intsalela — edla ngokuba ncinci, edla ngokungabonwa, kwaye ingunobangela oqhelekileyo wokuthi "ndiyigqibile imali-mboleko yam kodwa umbolekisi uthi ndisatyala."
  • Jonga umhla wexabiso, hayi umhla wokuhlawula. Ugqithiso olwenziwe ngomhla wokuphelelwa lungangena emva kosuku olunye okanye ezimbini, ludlule ngaphaya kwekowuti.
  • Cela isiqinisekiso esibhaliweyo sokuba intsalela inguziro nje ukuba intlawulo ingene. Olu luxwebhu olubalulekileyo kamva.

Okumele kwenzeke emva kokugqitywa kwetyala

Ukugqitywa kwetyala akupheleli xa imali ifikayo. Imali-mboleko evaliwe ngokufanelekileyo ifuna konke oku kulandelayo, kwaye ngasinye siyindawo eyaziwayo yokusilela.

  • Ileta yokugqitywa okanye yokukhululwa kwetyala eqinisekisa intsalela enguziro kunye nomhla wokuvalwa.
  • Ukukhululwa kwesibambiso. Ukukhutshwa kwemortgage kubhaliswe kwirejista yomhlaba, iintlawulo zikhululwe kwirejista yezibambiso ezishukumayo, ubhaliso lwezinto ezishukumayo lurhoxisiwe, amaxwebhu eetayitile ayabuyiselwa. Isibambiso esishiywe sibhalisiwe emva kokugqitywa kwetyala sithintela umboleki ekusebenziseni i-asethi ukufumana imali kwenye indawo.
  • Ukurhoxiswa kwemiyalelo yokuqokelela. Iidebhithi ezithe ngqo, ii-odolo ezisisigxina kunye — okubaluleke kakhulu — iintelezo zokutsalwa emvuzweni. Iintelezo eziqhubekayo emva kokugqitywa kwetyala ziqhelekile, kwaye ukuzibuyisela kuthatha iinyanga.
  • Uhlaziyo lwe-credit bureau lube kwimo evaliweyo okanye egqityiweyo. Imali-mboleko exelwa njengesebenzayo emva kokugqitywa kwetyala iyalugqwetha ukuvezwa komboleki kwaye ingathintela izicelo ezitsha.
  • Imbuyekezo yepremiyamu ye-credit life engasetyenziswanga, apho ukhuseleko lwahlawulelwa ixesha elingasekho.
  • Ukubuyiselwa kwayo nayiphi na intsalela yetyala evela ekuhlawuleni ngaphezulu okanye ikowuti yokugqitywa ehlawulwe kabini.
  • Ukukhululwa kwabaqinisekisi, ngokubhaliweyo. Abaqinisekisi abafane baziswe kwaye bahlala berekhodini ixesha elide emva kokuba isibophelelo siphelile.

Ababoleki kufuneka bayigcine ileta yokugqitywa kwetyala ngokungapheliyo. Bubo kuphela ubungqina bokuba ityala liye lacinywa.

Apho imali ivela khona

  • Imali ekhoyo okanye ugcino-mali — yeyona meko icocekileyo, kwaye yile apho ukonga inzala kukukhulu
  • Ukuthengiswa kwe-asethi exhaswe ngemali — kuqhelekile kwimali-mboleko yezithuthi nezakhiwo; inani lokugqitywa ligqiba ukuba ukuthengisa kuyalilungisa na ityala okanye kushiya intsilelo
  • Ukutshintsha imali-mboleko — ukufaka enye imali-mboleko endaweni yaleyo, apho inzuzo ixhomekeke kumahluko weereyithi kunakwityala elipheleleyo lenzala
  • Imali-mboleko yokongeza — ibhalansi ekhoyo ihlawulwa kusetyenziswa imali ephuma kwimali-mboleko entsha enkulu, nto leyo eluhlobo lokuvala kodwa engeyiyo ngokwenene.
  • Ibango le-inshorensi — i-inshorensi yobomi yetyala okanye ye-asethi ehlawula ibhalansi xa kusweleke, kukhubazeka okanye ilahleko epheleleyo.

Ukuhlawula kwangaphambi kwexesha kwicala lombolekisi.

Ukuvalwa kwangaphambi kwexesha kuyingozi yokuhlawula kwangaphambi kwexesha kwinqanaba lepotfoliyo. Kufinyeza ubomi obusebenzayo bee-asethi, kubangela ingeniso yenzala ukuba ibe ngaphantsi koqikelelo olwakhiwe kwiishedyuli zekhontrakthi, kwaye — apho inkxaso-mali ihambelana nexesha — kudala ukungahambelani kwexesha.

Iimpendulo ezisebenzayo:

Iingxaki eziqhelekileyo

  • Ikowuti ayibandakanyi isaphulelo umboleki ebenelungelo laso.
  • Ukutsalwa kuyaqhubeka emva kokuvalwa, ngakumbi kwiimali-mboleko ezitsalwa emvuzweni.
  • Isibambiso asikhe sikhululwe, kufunyaniswa kuphela xa umboleki efuna ukuboleka kwakhona.
  • Irekhodi ye-bureau ihlala ivulekile, nto leyo ebangela ukuba iimbophelelo zomboleki zibonakale zikhulu.
  • Abaqinisekisi bahlala benoxanduva kwirekhodi ixesha elide emva kokukhululwa kwetyala
  • Intsalela eseleyo evela ekuhlawuleni emva kokuphelelwa lixesha le-quote, ikhula ngokungabonakaliyo de ibe licala lokusilela ukuhlawula