Ukukhokha kusengaphambili / ukukhokhela ngaphambi kwesikhathi

Incazelo

Ukukhokha ngaphambi kwesikhathi kusho ukuvala imalimboleko ngokugcwele ngaphambi kokuphela kwesikhathi sayo. Isibalo sokukhokha sihlanganisa inzalo eseqoqekile nezindleko bese kukhishwa noma yiziphi izaphulelo.

Ukukhokha kusengaphambili yinoma iyiphi inkokhelo eyenziwa ngaphambi kohlelolwesivumelwano. Ukukhokha konke kusengaphambili inguqulo ephelele: ukukhokha yonke imali eseleyo ngaphambi kokuphela kwesikhathi, kuvala imalimboleko.

Umehluko ubalulekile ngoba lezi zinto ezimbili zikhiqiza izinqubo ezahlukene kanye nezibopho ezahlukene.

Ukukhokha kusengaphambili okuyingxenye

Inani elikhokhiwe: Ngaphezu kwesitolimende, kodwa ngaphansi kwebhalansi ephelele
Isimo semalimboleko ngemva kwalokhu: Siyaqhubeka, nesikhathi esibuyekeziwe noma isitolimende
Kudinga ikhwothesheni: Cha
Isibambiso / abaqinisekisi bakhululiwe: Cha

Ukukhokha okugcwele kusengaphambili

Inani elikhokhiwe: Isibalo sonke sokukhokha
Isimo semalimboleko ngemva kwalokhu: Ivaliwe
Kudinga ikhwothesheni: Yebo — isibalo sokukhokha
Isibambiso / abaqinisekisi bakhululiwe: Yebo

Ukuvuthwa okuhleliwe

Inani elikhokhiwe: Isitolimende sokugcina esihleliwe
Isimo semalimboleko ngemva kwalokhu: Ivaliwe
Kudinga ikhwothesheni: Cha
Isibambiso / abaqinisekisi bakhululiwe: Yebo

Izindlela zokukhokha kusengaphambili okuyingxenye — ukunciphisa isikhathi uma kuqhathaniswa nokunciphisa isitolimende, kanye nendlela izinkokhelo ezabiwa ngayo — zitholakala ngaphansi kokukhokha ngokweqile. Inhlawulo engase isebenze itholakala ngaphansi kwenhlawulo yokukhokha kusengaphambili. Leli khasi likhuluma ngesibalo sokukhokha ngokwaso nokuthi yini okufanele yenzeke lapho imalimboleko ivalwa ngaphambi kwesikhathi.

Isibalo sokukhokha

Ukungaqondi okuvame kakhulu mayelana nokukhokha kusengaphambili ukuthi inani elikhokhwayo lilingana nebhalansi evezwe esitatimendeni sokugcina. Akunjalo.

Isibalo sokukhokha sakhiwa ngale ndlela elandelayo:

   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

Isibonelo esisetshenzisiwe. Umuntu obolekayo onemali eyinhloko esele engu-$8,400 ngenzalo engu-18% ngonyaka ngebhalansi enciphayo, ezinsukwini eziyi-14 ngemva kwesitolimende sokugcina, ngesisekelo se-Actual/365, enenkokhelo yokukhokha kusenesikhathi engu-2% kanye no-$45 weprimiyamu yomshwalense wekhredithi engakatholakali:

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

Umugqa wenzalo ekhulayo uyisizathu sokuthi isibalo sokukhokha siguquka nsuku zonke, nokuthi kungani sidlula ibhalansi yesitatimende.

Inzalo engakatholakali kanye nesaphulelo

Ukuthi umboleki uzuza kangakanani ngempela ngokukhokha kusenesikhathi kuncike ekutheni inzalo ibalwe kanjani.

Ibhalansi enciphayo. Inzalo ikhula ebhalansini esele njengoba isikhathi sihamba. Akukho okukhokhiselwe ikusasa, ngakho akukho okudinga ukubuyiselwa — ukukhokha kusenesikhathi kumisa nje ukukhula okuqhubekayo kwenzalo. Leli yisimo esihlanzekile kakhulu.

Isilinganiso esigxilile noma esibalwe kusengaphambili. Inzalo isiyonke yanqunywa ekuqaleni futhi yakhokhiswa kuhlelo lonke kungakhathaliseki amabhalansi angempela. Umboleki okhokha kusenesikhathi esiphakathi nendawo ukhokhiswe isikhathi angeke asisebenzise, futhi leyo nzalo engakatholakali kufanele ibuyiselwe ukuze ukukhokha kusenesikhathi kube nanoma yiliphi inani.

Indlela yesaphulelo inquma ukuthi kubuyiselwa malini:

Indlela ye-akthuwariyali — ibonisa inzalo yangempela engakapheli; ukubala okunobulungiswa kakhulu
Umthetho wama-78 — ubeka inzalo enkulu ekuqaleni, ubuyisela okuncane kakhulu kunokulindelekile maphakathi nesikhathi
Akukho saphulelo — umboleki akazuzi lutho nhlobo ngokukhokha kusenesikhathi

Kumalimboleko yesilinganiso esigxilile, umbuzo wokuqala awusiwo "siyini inhlawulo" kodwa "sisiphi isaphulelo esisebenzayo" — ngoba isaphulelo esingekho siyizindleko ezinkulu kakhulu kunanoma iyiphi inkokhelo eshiwo.

Amakotishi, ukusebenza kanye nokubhalwa kwedethi yenani

Isibalo sokukhokha siyikotishi esebenza kuze kube wusuku oluthile, ngoba inzalo iqhubeka ikhula nsuku zonke kuze kufike imali ngempela.

Cela ikhotheyishini ngokubhaliwe, ihlelwe ngokwezinto, nosuku lokuphelelwa yisikhathi olubaluliwe.
Khokha ngaphambi kokuphelelwa yisikhathi. Ukukhokha ngemva kokuphelelwa yisikhathi kushiya ibhalansi esele — ngokuvamile encane, ngokuvamile inganakwa, futhi iwumthombo ovamile wokuthi "Ngakhokha imalimboleko yami kodwa umbolekisi uthi ngisayikweleta imali."
Hlola usuku lwenani, hhayi usuku lokukhokha. Ukudluliswa kwemali okuqalwe ngosuku lokuphelelwa yisikhathi kungase kungene ngemva kosuku olulodwa noma ezimbili, sekwedlule isikhathi sekhotheyishini.
Cela isiqinisekiso esibhaliwe sebhalansi enguziro uma inkokhelo isiphumelele. Lona umqulu oyobaluleka kamuva.

Okufanele kwenzeke ngemva kokuvalwa kwesikweletu

Ukuvalwa kwesikweletu akupheleli lapho imali ifika. Imalimboleko evalwe kahle idinga konke lokhu okulandelayo, futhi ngakunye kuyindawo eyaziwayo yokwehluleka.

Incwadi yokuvalwa noma yokukhululwa kwesikweletu eqinisekisa ibhalansi engekho nosuku lokuvala.
Ukukhululwa kwesibambiso. Ukukhululwa kwe-mortgage kubhaliswe emnyangweni wokubhalisa umhlaba, izibopho zikhululwe emnyangweni wokubhalisa izibambiso ezinyakazayo, ukubhaliswa kwempahla kukhanseliwe, imiqulu yobunikazi ibuyiselwe. Isibambiso esishiywe sibhalisiwe ngemva kokuvalwa kwesikweletu sivimba umboleki ukusebenzisa impahla ukuze athole imali kwenye indawo.
Ukukhanselwa kweziyalezo zokuqoqa. Ama-debit order, ama-standing order kanye — okubaluleke kakhulu — nokubanjwa kwemali eholweni. Ukubanjwa kwemali okuqhubeka ngemva kokuvalwa kwesikweletu kuvamile, futhi ukuyibuyisa kuthatha izinyanga.
Ukuvuselelwa kwe-credit bureau kusimo esivaliwe noma esikhokhelwe ngokuphelele. Imalimboleko ebikwa njengesasebenza ngemva kokuvalwa kwesikweletu iphazamisa ukuchayeka komboleki futhi ingavimba izicelo ezintsha.
Ukubuyiselwa kweprimiyamu ye-credit life engakatholwa, lapho ukuvikela kwakukhokhelwe isikhathi esingasekho.
Ukubuyiselwa kwanoma iyiphi ibhalansi yekhredithi evela ekukhokheni ngokweqile noma ikhotheyishini yokuvala ekhokhwe kabili.
Ukukhululwa kwabaqinisekisi, ngokubhaliwe. Abaqinisekisi abavamile ukwaziswa futhi ngokuvamile bahlala emarekhodini isikhathi eside ngemva kokuphela kwesibopho.

Ababoleki kufanele bagcine incwadi yokuvalwa kwesikweletu unomphela. Iwukuphela kobufakazi bokuthi isikweletu sakhululwa.

Lapho imali ivela khona

Ukheshi noma imali eyongiwe — yisimo esihlanzekile kakhulu, futhi yisona lapho ukonga inzalo kukukhulu kakhulu
Ukudayiswa kwempahla ethengwe ngemalimboleko — kuvamile kwezezimali zezimoto nezindlu; isibalo sokuvala sinquma ukuthi ukudayiswa kususa sonke isikweletu noma kushiya ukusilela
Ukuboleka kabusha — ukushintsha imalimboleko ngenye, lapho inzuzo incike emehlukweni wezinga lenzalo hhayi kuso sonke isikweletu senzalo
Imali eyengeziwe — ibhalansi ekhona ikhokhwa ngemali etholakala emalini ebolekiwe entsha enkulu, okuwukukhokha okungokwesimo kodwa hhayi ngokwangempela
Isicelo somshwalense — umshwalense wekhredithi wempilo noma wempahla okhokha ibhalansi ekufeni, ekukhubazekeni noma ekulahlekelweni okuphelele

Ukukhokha kusengaphambili ngasohlangothini lombolekisi

Ukukhokha kusenesikhathi kuyingozi yokukhokha kusengaphambili ezingeni lephothifoliyo. Kufinyeza isikhathi sokuphila esisebenzayo sezimpahla, kubangela imali engenayo yenzalo ingafinyeleli ekuqageleni okwakhelwe ezinhlelweni zenkontileka, futhi — lapho uxhaso luhambisana nesikhathi — kudala ukungahambisani kwesikhathi.

Izindlela ezingokoqobo:

Yenza imodeli yezivinini zokukhokha kusengaphambili futhi ubikezele ngokusekelwe esikhathini esilindelekile kunokuba esisenkontilekeni.
Landelela izizathu zokukhokha. Ukukhokha okuqhutshwa ukubolekwa kabusha okwenziwa abancintisanayo kuwuphawu lwamanani; ukukhokha okuvela ekuthengisweni kwempahla akunjalo.
Zenzakalisa uhlu lokuhlola lokuvala. Ukukhishwa kwesibambiso, ukukhanselwa kokudonswa kwemali, ukuvuselelwa kwerekhodi lekhredithi, ukubuyiselwa kweprimiyamu nokukhululwa komqinisekisi kufanele kuqhutshwe uhlelo, hhayi kushiyelwe izikhulu ngazinye.
Khipha amakhowuteshini okukhokha ngendlela ehlelekile, anemininingwane namadethi, kunokuba kubalwe ngesandla. Amaphutha emakhowuteshini aphakathi kwemithombo evame kakhulu yezingxabano kanye nokubhalwa phansi kwemali engabuyiseki.
Phendula ngokugcina amakhasimende, hhayi ngokudala izithiyo. Ukuphazamisa ukukhokha ngamakhowuteshini abambezelekile noma isibambiso esingakhishiwe kuyingozi yokuziphatha futhi kuya ngokuya kuba ingozi yokulawula.

Izinkinga ezivamile

Ikhowuteshini alisifaki isaphulelo umboleki ayenelungelo lokusithola.
Ukudonswa kwemali kuyaqhubeka ngemuva kokukhokha, ikakhulukazi emalini ebolekiwe edonswa emholweni.
Isibambiso asikaze sikhishwe, kutholakala kuphela lapho umboleki esefuna ukuboleka futhi.
Irekhodi lekhredithi lihlala livulekile, okwenza izibopho zomboleki zibonakale zinkulu kunalokho.
Abaqinisekisi bahlala benecala emarekhodini isikhathi eside ngemva kokukhululwa
Ibhalansi esele evela ekukhokheni ngemva kokuphelelwa yisikhathi kwekhowoti, inqwabelana ngokuthula ize ibe yicala lokungakhokhi