Inkokhelo Eyeqile

Inkokhelo engaphezulu isho noma iyiphi imali ekhokhwayo ngaphezu kwenani okufanele likhokhwe ngokwesivumelwano. Emkhakheni wokubolekisa leli gama linezincazelo ezimbili ezihlukile, futhi ziphathwa ngendlela ehluke kakhulu:

1. Ukukhokha imalimboleko ngaphezulu — ukukhokha ngamabomu ngaphezu kwesitolimende esihleliwe, noma ukwenza inkokhelo eyengeziwe yesamba esisodwa, ukuze kusulwe isikweletu ngokushesha futhi kukhokhwe inzalo encane.
2. Inkokhelo eyeqile eyamukelwayo — imali ekhokhwe ngephutha noma ngaphezu kwebhalansi ekweletwayo, eyakha ibhalansi yekhredithi umbolekisi okumelwe ayithole, ayigcine futhi ayibuyise.

Okokuqala kuyisu lomboleki. Okwesibili kuyisibopho sokusebenza. Kokubili kudingidwa ngezansi.

Ukukhokha imalimboleko ngaphezulu

Inkokhelo engaphezulu yehlisa inhlokodolo esele ngaphambi kwesikhathi. Ngenxa yokuthi inzalo inqwabelana emalini esele, imali encane esele ikhiqiza inzalo encane kuyo yonke inkathi esele — ngakho-ke ukonga kuyakhula ngokuqhubekayo esikhathini sonke esisele setemu.

Izindlela ezimbili zokusebenzisa inkokhelo engaphezulu

Lokhu kuyisinqumo esinomthelela omkhulu futhi esichazwa kancane kakhulu emkhiqizweni wonke.

• Nciphisa ithemu - Okuhlala kungashintshi: Isitolimende

  • Okushintshayo: Imalimboleko iphela ngaphambi kwesikhathi.
  • Kufaneleka kakhulu: Ukonga inzalo okukhulu.

• Nciphisa isitolimende - Okuhlala kungashintshi: Usuku lokuphela

  • Okushintshayo: Izinkokhelo zesikhathi esizayo ziyancipha.
  • Kufaneleka kakhulu: Ukuthuthukisa ukugeleza kwemali kwanyanga zonke.

Zombili zamukelekile; zifeza izinto ezahlukene. Ukunciphisa ithemu kuyonga inzalo enkulu kakhulu, ngoba imali esele isulwa ngokushesha. Ukunciphisa isitolimende kukhulula imali nyanga zonke kodwa kugcina isikweletu singakakhokhwa isikhathi esigcwele sokuqala.

Ababolekisi abahlali besebenzisa indlela efanayo yokuzenzakalela, futhi abanye basebenzisa ukuncishiswa kwesitolimende ngokuzenzakalela ngaphandle kwalapho beyalelwe ngenye indlela. Omboleki okhokha ngaphezulu ehlose ukuqeda kusenesikhathi, futhi umbolekisi wakhe unciphisa isitolimende buthule esikhundleni salokho, uthola ingxenyana nje kuphela yenzuzo elindelekile. Umyalelo kufanele unikezwe ngokusobala futhi uqinisekiswe ngokubhaliwe.

Izibalo

Isimo. U-$20,000 obolekwe ngenzalo engu-18% ngonyaka kubhalansi enciphayo ezinyangeni ezingama-36.

Monthly rate = 1.5%
Instalment   = $723.05
Total paid   = $26,030
Interest     = $6,030

Ukwengeza i-$100 ngenyanga — isitolimende sika-$823.05:

Term falls to  ≈ 30.5 months (from 36)
Total paid     ≈ $25,070
Interest       ≈ $5,070
Interest saved ≈ $960

Imali eyengeziwe eyi-$100 ngenyanga — cishe ngo-14% ngaphezulu — iqeda imalimboleko izinyanga ezinhlanu nengxenye ngaphambi kwesikhathi futhi iyonga cishe ngo-16% wenzalo ephelele.

Isikhathi siyabusa

Imali eyengeziwe efanayo iba nenani elikhulu kakhulu uma ikhokhwa kusenesikhathi kunakamuva. Isamba esisodwa esikhokhwa ngenyanga yesi-3 sisusa isamba esiyinhloko ebesizokwengeza inzalo ezinyangeni ezingama-33 ngaphezulu; isamba esifanayo esikhokhwa ngenyanga yama-30 sisusa isamba esiyinhloko ebesisele nezinyanga eziyisi-6 kuphela.

Umthetho osebenzayo: lapho ukukhokha ngaphezulu kwenzeka kusenesikhathi, kulapho ukonga kuba kukhulu. — okuphambene nomzwelo wokuthi ulinde kuze kube imalimboleko isicishe iphele ngaphambi kokuba uyikhokhe yonke.

Indlela yenzalo iyona enquma ukuthi ukukhokha ngaphezulu kuyasiza nhlobo yini.

Yilapho ababoleki bavame ukubanjwa khona, futhi kubaluleke kakhulu ezimakethe lapho intengo eyisicaba ivamile.

Ibhalansi enciphayo. Inzalo ibalwa ngebhalansi engakakhokhwa isikhathi ngasinye. Ukukhokha ngaphezulu ngempela kunciphisa inzalo yesikhathi esizayo. Izibalo ezingenhla ziyasebenza.

Izinga elisicaba. Inzalo ibalwa ngesamba esiyinhloko sokuqala isikhathi sonke futhi ilungiswa ekuqaleni. Ukukhokha kusenesikhathi akusho ukuthi iyancipha ngokuzenzakalela — inzalo yesivumelwano isivele inqunyiwe. Ukuthi umboleki uyahlomula yini kuncike ngokuphelele ku-rabhethi yombolekisi yenzalo engakatholwa:

• Indlela ye-akhuchwariyali — irabhethi ibonisa inzalo yangempela engakapheli; umboleki uthola cishe inzuzo yezomnotho.
• Umthetho wama-78 — inzalo yabelwa ngokungalingani ezinyangeni zokuqala, ngakho ukukhokha maphakathi nesikhathi kubuyisa okuncane kakhulu kunalokho obekulindelwe. Kukhawulelwe noma kwenqatshelwe ezindaweni zomthetho eziningi ezikhulayo.
• Akukho irabhethi — inzalo ephelele yesivumelwano isalokhu kufanele ikhokhwe noma kunjalo.

Ngaphambi kokukhokha ngaphezulu, umbuzo okufanele uwubuze kumbolekisi akuwona ukuthi "ngingakhokha ngaphezulu yini" kodwa "inzalo yami ibalwa kanjani, futhi iyiphi irabhethi esebenzayo?" Emalimbolekweni enenzalo eyisicaba engenayo irabhethi, ukukhokha ngaphezulu kudlulisela imali kumbolekisi ngaphandle kokuncipha kwezindleko.

Lapho ukukhokha ngaphezulu kuya khona ngempela

Izivumelwano eziningi zemalimboleko zisebenzisa izinkokhelo ngokulandelana okumisiwe — indlela yokwabiwa kwezinkokhelo — ngokuvamile:

1. Fees and charges
2. Penalty interest / arrears
3. Accrued interest
4. Principal

Ukukhokha ngaphezulu kufinyeza imalimboleko kuphela uma kufinyelela esambeni esiyinhloko. Kunezinto eziningana ezingakuvimba lokhu:

• Izikweletu ezingakhokhiwe ziyakumunca kuqala. Uma i-akhawunti isemuva, imali eyengeziwe ikhokha izikweletu ezingakhokhiwe kunokuba inciphise isamba esiyinhloko.
• Ihlala ku-suspense. Ezinye izinhlelo zigcina izimali ezingabelwe njengekhredithi ebhekiswe esitolimendeni esilandelayo esikhundleni sokuzisebenzisa esikweletini esiyinhloko — ngakho umboleki umane angakhokhi lutho ngenyanga ezayo futhi akongi nzalo.
• Ithathwa njengenye isitolimende esikhokhelwa kusengaphambili. Ngokusebenza, inkinga efanayo: isikhathi asifinyezwa.

Ababoleki kufanele babhale phansi ukuthi inkokhelo iwukwehliswa kwesikweletu esiyinhloko futhi baqinisekise ngemva kwalokho ukuthi ibhalansi eyinhloko yehlile ngenani elikhokhiwe.

Izinhlawulo zokukhokha ngaphambi kwesikhathi

Ezinye izivumelwano zikhokhisa uma ukhokha ngaphambi kwesikhathi. Isizathu sombolekisi singokoqobo: intengo yayicabangela inzalo ngesikhathi esithile, izindleko zokuqalisa zahlukaniswa kuso sonke leso sikhathi, futhi uxhaso kungenzeka lwahlanganiswa naso. Ukukhokha ngaphambi kwesikhathi kususa imali engenayo ebilindelwe.

Izinhlaka ezivamile:

• Iphesenti lenani elikhokhelwe kusengaphambili
• Inzalo yezinyanga ezimisiwe enanini elikhokhelwe kusengaphambili
• Isikali esishintshayo esincipha ngokuya ngokuphila kwemalimboleko
• Isabelo sonyaka esivunyelwe sokukhokha ngaphezulu — ngokuvamile cishe u-10% webhalansi — nezinhlawulo zikhokhiswa kuphela uma kungaphezu kwalokho

Izindawo eziningi zibekela umkhawulo noma ziyenqabele izindleko zokuvala ngaphambi kwesikhathi kusikweletu sabathengi, noma zidinga ukubuyiselwa kwenzalo engakasitholwa. Imigomo iyahlukahluka, futhi inhlawulo kufanele iqhathaniswe nenzalo eyongwayo ngaphambi kokukhokha ngaphezulu.

Izinkokhelo ezeqile kanye namabhalansi ekhredithi

Incazelo yesibili yokukhokha ngaphezulu inkokhelo eyeqa inani elikweletwayo — ukudluliswa okuphindwe kabili, inkokhelo eyenziwe ngemva kokuba imalimboleko isivaliwe, inani elifakwe ngendlela engeyiyo, noma inkokhelo yokuvala ekhokhwe ngaphandle kokudonsa isaphulelo senzalo.

Inkokhelo eyeqile ayiyona imali engenayo yombolekisi. Ukuphathwa okujwayelekile:

• Yikhombe bese uyigcina. Inani lifakwa ku-akhawunti ye-suspense noma ku-akhawunti ye-unapplied-cash esikhundleni sokuthi liqashelwe njengemali engenayo.
• Yazisa umkhokhi futhi uthole ukuthi kufanele ibuyiselwe yini noma isetshenziswe kwenye indawo.
• Buyisela ngokushesha emthonjeni wokuqala wenkokhelo lapho kungekho myalelo ohlukile onikeziwe.
• Vumelanisa njalo. Ibhalansi ekhulayo ye-unapplied-cash ngokuvamile ikhombisa inkinga yokufanisa noma yereferensi enqubweni yokuqoqa izikweletu, hhayi inzuzo engalindelekile.
• Landela imithetho yezimali ezingafunwanga. Lapho umkhokhi engakwazi ukutholakala, izindawo eziningi zicacisa izikhathi zokugcina kanye nokuphathwa okugcina mayelana namabhalansi ekhredithi alele.

Kubabolekisi, amarisidi angabelwe ngokuqhubekayo ayinkinga yokulawula: ashicilela kabi amabhalansi e-akhawunti ngayinye, ahlanekezela ukubikwa kwezikweletu ezingakhokhiwe, futhi angafihla izinkokhelo ezifakwe ngendlela engeyiyo.

Ingabe umboleki kufanele akhokhe ngaphezulu?

Lokhu kuwuhlaka olujwayelekile, hhayi iseluleko sezezimali, futhi izimo zomuntu ngamunye ziyahlukahluka.

Ukuqhathanisa kuphakathi kwezinga lenzalo lesikweletu kanye nembuyiselo yokusetshenziswa kwemali ngenye indlela. Ukukhokha ngaphezulu kwesikweletu kukhiqiza inzuzo eqinisekisiwe, engenabungozi, elingana nezinga lenzalo eligwenywayo. Lokho kuyizinga eliphezulu okufanele iningi lezinye izindlela lidlule, ikakhulukazi ezikweletini ezibizayo ezingenasibambiso.

Izimiso ezijwayelekile zokulandelana: gcina isabelo semali esifinyeleleka kalula ngaphambi kokukhiya imali ekwehliseni isikweletu, ngoba imali ekhokhwe ngaphezulu ngokuvamile ayikwazi ukuphinde ikhishwe; qeda kuqala isikweletu esinezinga lenzalo eliphezulu; futhi hlola indlela yenzalo nanoma iyiphi inkokhiso yokukhokha kusengaphambi kwesikhathi ngaphambi kokuzibophezela, ngoba esikweletini senzalo engaguquki ngaphandle kwesaphulelo inzuzo ingase ibe uziro.

Ukukhokha kusengaphambi kwesikhathi ngasohlangothini lombolekisi.

Ukukhokha ngaphezulu kuwubungozi bokukhokha ngaphambi kwesikhathi ephothifoliyo. Kufinyeza isikhathi sokusebenza sezimpahla, kunciphisa imali engenayo yenzalo ngokuqhathaniswa nesibikezelo, futhi — lapho uxhaso luqondaniswa nesikhathi — kudala ukungahambisani phakathi kwezimpahla nezikweletu.

Ababolekisi balawula lokhu ngokulinganisa isivinini sokukhokha ngaphambi kwesikhathi, ngokuqapha ukuthi indlela yangempela yokukhokha ihluka kanjani ohlelweni lwesivumelwano, nangokubeka amanani noma ukuhlela isakhiwo ngenxa yalokho. Okungafanele bakwenze ukwakha imithetho yokwaba ephazamisa buthule ukukhokha ngaphezulu, okuyindaba yokuziphatha kunokuba kube ukulawula ubungozi.