Yini Isibambiso?

Isibambiso yimpahla umbolekwa ayibekayo kumbolekisi ukuvikela imali-mboleko. Uma umbolekwa ehluleka ukukhokha, umbolekisi unelungelo ngokomthetho lokuthatha impahla ebekiwe ayithengise ukuze abuyise lokho akukweletwayo. Isibambiso siguqula isithembiso sokukhokha sibe yibango phezu kwento ebonakalayo, futhi yilokho okwenza imali-mboleko ibe "evikelekile".

Kumbolekisi, isibambiso akulona iphepha nje kuphela. Umehluko phakathi kokwehluleka ukukhokha okususa imali-mboleko ngokuphelele nokwehluleka ongalulama kukho. Sichaza ukuthi uboleka malini, ngenzalo engakanani, nokuthi ungalahlekelwa yimalini uma umbolekwa eyeka ukukhokha.

Indlela Isibambiso Esisebenza Ngayo

Uma umbolekwa ethatha imali-mboleko evikelekile, uyavuma ukuthi impahla ethile ime ngemuva kwesikweletu. Umbolekisi ubhalisa intshisekelo esemthethweni kuleyo mpahla — ivame ukubizwa ngokuthi yisibambiso noma ilungelo lokuvikeleka ngokuya ngendawo yomthetho. Ngenkathi imali-mboleko ikhokhwa, umbolekwa uvame ukuqhubeka esebenzisa impahla. Onemali-mboleko yemoto usashayela imoto yakhe; umbolekwa webhizinisi usaqhuba ibhizinisi esitolo sakhe.

Ibango lombolekisi liqala ukusebenza kuphela uma umbolekwa ehluleka ukukhokha. Ngaleso sikhathi, umbolekisi angathatha isinyathelo sokuthatha impahla ayithengise. Imali evela kulokho kuthengisa isetshenziswa esikweletini esisele. Uma ukuthengisa kumboza yonke imali ekweletwayo, imali-mboleko iyakhokhwa. Uma kunciphile, umbolekwa angase asakweleta imali esele, kuya ngesivumelwano semali-mboleko nomthetho wendawo.

Inani laleli lungiselelo ukuthi liguqula izikhuthazi zombolekwa futhi linciphise ukulahlekelwa kombolekisi. Umbolekwa onempahla esengcupheni unesizathu esiqinile sokuqhubeka ekhokha. Futhi ngisho noma inkokhelo ihluleka, umbolekisi akasali engenalutho.

Ukubolekisa Okuvikelekile Ngokumelene Nokungavikelekile

Ukuba khona kwesibambiso yikho okuhlukanisa ukubolekisa okuvikelekile nokungavikelekile.

Imali-mboleko evikelekile isekelwa yisibambiso. Ngenxa yokuthi umbolekisi angabuyisa inani uma kwehlulekwa ukukhokha, imali-mboleko evikelekile ivame ukuba nezinga lenzalo eliphansi, ivumela imali enkulu, futhi kulula ukuyivuma kubabolekwa abanomlando omncane wesikweletu. Ukubolekisa okusekelwa yimpahla, uxhaso-mali lwezimoto, nemali-mboleko yebhizinisi esekelwa yizakhiwo — konke kuvikelekile.

Imali-mboleko engavikelekile ayinampahla ethile ngemuva — umbolekisi wethembela kuphela esithembisweni sombolekwa sokukhokha namandla akhe alinganiselwe okwenza kanjalo. Ngenxa yokuthi akukho lutho lokuthatha nokuthengisa, imali-mboleko engavikelekile inengcuphe enkulu kumbolekisi, ngakho ivame ukuza namazinga enzalo aphezulu, imali encane, nemibandela eqinile yokuvunywa.

Kubabolekisi abasiza ababolekwa abanomlando omncane — lapho imilando esemthethweni yesikweletu iyivelakancane — isibambiso sivame ukwenza umsebenzi obungenziwa yisikolo sesikweletu kwezinye izindawo. Sikuvumela ukunika isikweletu umuntu ongakwazi ukumlinganisa ngokugcwele ephepheni, ngoba impahla ithwala ingxenye yengcuphe.

Izinhlobo Zesibambiso

Isibambiso singaba cishe yinoma yini enenani engabekwa ngokomthetho ithengiswe ngokwangempela. Lokho okwamukelwa ababolekisi kuyahluka ngokwemakethe, ngokombolekwa, nangobukhulu bemali-mboleko. Izigaba ezivamile zihlanganisa:

Izakhiwo ezingahambi — umhlaba, izindlu, noma izakhiwo zebhizinisi. Lokhu kungenye yezindlela eziqine kakhulu zesibambiso ngoba izakhiwo zigcina inani futhi kunzima ukuzifihla noma ukuzihambisa. Futhi ziyaphuza futhi zibiza kakhulu ukuzithengisa, ngoba ukuthengisa kuvame ukuhilela inqubo yomthetho.

Izimoto — izimoto, amaloli, izithuthuthu, nezimoto zebhizinisi. Zisetshenziswa kakhulu ngoba zinenani, zingadluliselwa, futhi zinemakethe emisiwe yokuthengisa kabusha. Inani liyehla ngokuhamba kwesikhathi, into okumele umbolekisi ayicabangele.

Izimpahla zebhizinisi — amathuluzi, imishini, isitokwe, noma izimali ezikweletwayo. Zivamile emimalini-mboleko enikwa abathengisi namabhizinisi amancane. Isitokwe nezimali ezikweletwayo kungaba nzima kakhulu ukuzilinganisa nokuzibheka ngoba ziguquka njalo.

Izimpahla ezihambisekayo — izinsiza zasekhaya, ama-elekthronikhi, amathuluzi, imfuyo, noma imikhiqizo yezolimo. Zivame ukusetshenziswa ababolekisi abancane nasekubolekiseni kwasemakhaya. Lezi kulula ukuzamukela kodwa zingaba nzima ukuzigcina, ukuzilinganisa, nokuziphinda-thengise, futhi zisengozini enkulu yokulahleka noma yokonakala.

Izimpahla zezezimali — imali eyongiweyo, amasheya, noma amadiphozithi wesikhathi esithile abekwa ngokumelene nemali-mboleko. Ku-SACCO (inhlangano yomfelandawonye yokonga imali nokuboleka), imali eyongiweyo namasheya elungu kuvame ukusebenza njengesibambiso semali-mboleko, esinye sezizathu ezenza ukubolekisa komfelandawonye kukwazi ukunika isikweletu nezimo eziphansi ngokulinganiselwe zokwehluleka ukukhokha.

Iziqinisekiso nomthwalo weqembu — nakuba kungeyona impahla ephathekayo, ukuzibophezela komqinisekisi noma umthwalo owabelwana yiqembu kusebenza njengohlobo lokuvikeleka. Ekubolekiseni kweqembu, iqembu ngokwalo lime ngemuva kwemali-mboleko yelungu ngalinye, lithatha indawo yempahla ebekiwe ngengcindezi yomphakathi nomthwalo owabelwanayo.

Kungani Isibambiso Sibalulekile Kumbolekisi

Isibambiso sithinta cishe zonke izingxenye zendlela olawula ngayo incwadi yemali-mboleko.

Sichaza ukuvezeka kwakho engcupheni. Imali-mboleko evikelwe kahle inokulahlekelwa okulindelekile okuphansi, ngoba ngisho nokwehluleka ukukhokha kungabuyiswa ngokwengxenye noma ngokugcwele. Yingakho amaphothifoliyo avikelekile nangavikelekile eziphatha ngokwehlukene futhi kufanele alinganiswe ngokwehlukene.

Sihola ukumiswa kwamanani. Ngenxa yokuthi imali-mboleko evikelekile inengcuphe encane, ungayinikeza ngamazinga aphansi ube usavikela inzuzo yakho. Amandla esibambiso yimininingwane esemthethweni ezingeni lenzalo oyimisayo.

Sibumba isabelo sokulahlekelwa kwemali-mboleko. Uma ubekela eceleni imali yokumboza ukwehluleka okulindelekile, inani nezinga lesibambiso ngemuva kwemali-mboleko kuthinta ukuthi kumele ubekele malini. Imali-mboleko evikelwe ngokugcwele ivame ukudinga isabelo esincane kunengavikelekile esigabeni esifanayo sokubambezeleka.

Sithinta ukubuyiswa. Uma imali-mboleko yonakala, isibambiso sivame ukuba umehluko phakathi kokubuyiswa okuyingxenye nokususwa ngokuphelele. Umbolekisi obhalayo, olinganisayo, futhi obhalisa isibambiso ngendlela efanele usesimweni esiqine kakhulu ngesikhathi sokwehluleka ukukhokha kunalowo owamukele isithembiso somlomo esingacacile.

Ukulinganiswa Kwesibambiso Nesilinganiso Semali-mboleko-kuNani

Ukwamukela isibambiso kuwusizo kuphela uma sinenani elanele lokumboza imali-mboleko. Lokhu kubanjwa yisilinganiso semali-mboleko-kunani (LTV) — imali-mboleko iboniswa njengephesenti yenani elilinganiselwe lesibambiso.

Umbolekisi onika 60,000 ngokumelene nempahla elinganiselwe ku-100,000 uboleka nge-LTV engu-60%. Igebe elingu-40% liwuvikelo oluvikela umbolekisi emaphutheni okulinganisa, ukwehla kwamanani, ukwehla kwenani, nezindleko zokuthengisa impahla. Uma impahla inengcuphe noma ingazinzile, i-LTV umbolekisi ohlakaniphile azoyamukela iba phansi.

Amaphutha amabili avamile futhi abiza. Ukulinganisa isibambiso ngokweqile kushiya umbolekisi engavikelekile ngokwanele — ukuthengisa ngesikhathi sokwehluleka akumbozi isikweletu esisele. Ukunganaki ukwehla kwenani, ikakhulukazi ezimotweni nasemathuluzini, kusho ukuthi impahla ebimboza imali-mboleko ekuqaleni ingase ingayimbozi emva kweminyaka emibili. Ukulinganisa okuqinile kusukela ekuqaleni, ngovikelo oluqaphile, yikho okwenza isibambiso sivikele ngempela esikhundleni sokuba yinduduzo ephepheni kuphela.

Kwenzekani Kwisibambiso Uma Kwehlulekwa Ukukhokha

Uma umbolekwa ehluleka ukukhokha futhi imali-mboleko ingenakubuyiselwa esimweni esisebenzayo, umbolekisi angathatha isinyathelo sokuthengisa isibambiso — okusho ukuthi, ukusithatha asithengise.

Imali evela kulokho kuthengisa isetshenziswa esikweletini ngokulandelana okuchaziwe. Ngokuvamile, umbolekisi ubuyisa kuqala izindleko nezimali ezikweletwayo, bese kuba yinzalo, bese kuba yimali eyinhloko, elandela umqondo ofanayo wokwaba osetshenziswa kuyo yonke imali-mboleko. Uma ukuthengisa kuzuza ngaphezu kwalokho okukweletwayo, imali eseleyo ivame ukubuyiselwa kumbolekwa. Uma kuzuza okuncane, kusala isikhala, futhi ukuthi umbolekwa usanomthwalo ngaso kuya ngesivumelwano semali-mboleko nomthetho wendawo.

Isifundo esisebenzayo kubabolekisi ukuthi ukubuyiswa kuyinqubo, akusona isenzakalo. Kuncike ekubeni namadokhumenti acacile, ibango elisemthethweni phezu kwempahla, ukulinganisa kokuqala okunembayo, nendlela ebonakalayo yokuthengisa. Isibambiso esingenakubangwa ngokomthetho, esingenakutholakala, noma esingenakuthengiswa sinikeza ukuvikeleka ngethiyori kuphela.

Ukuphathwa Kwesibambiso Ngokoqobo

Kumbolekisi ngamunye onemali-mboleko evikelekile engaphezu kwembalwa, ukulandelela isibambiso ephepheni noma kwishidi ledatha kuba yingcuphe. Udinga ukwazi, nganoma yisiphi isikhathi, ukuthi yiyiphi impahla esekela yiphi imali-mboleko, yalinganiswa ngamalini, ubani ogcina amadokhumenti, nokuthi isimo sayo samanje siyini.

Irejista yesibambiso ixazulula lokhu — irekhodi eyodwa exhumanisa imali-mboleko ngayinye evikelekile nempahla yayo ebekiwe, ukulinganiswa kwayo, namadokhumenti ayo. Uma imali-mboleko ihluleka, yirejista ekuvumela ukuthi uthathe isinyathelo ngokushesha nangokuzethemba esikhundleni sokusesha kumafayela. Ukuphatha isibambiso ngendlela efanele akuwona umthwalo wokuphatha; kuyingxenye yokubolekisa okuvikelekile echaza ukuthi "kuvikelekile" kusho okuthile yini uma umbolekwa eyeka ukukhokha.