Ukuboleka Kabusha

Uku-refinancing ukukhokha imalimboleko ekhona ngokuthatha entsha, ngokuvamile ngemigomo ehlukile. Isikweletu esidala siyakhanselwa, isivumelwano esisha sithatha indawo yaso, bese umboleki uqhubeka ngenani elihlukile, isikhathi, isitolimende, umbolekisi noma uhlelo lwesibambiso.

Leli gama lihlanganisa izimo ezimbili ezingafani nakancane, futhi ukuzihlanganisa kubangela umonakalo wangempela — kubaboleki abacabanga ukuthi bonga imali, nakubabolekisi amamethrikhi ephothifoliyo abo ayeka buthule ukuchaza iqiniso.

Uku-refinancing kwezohwebo kwenzeka lapho umboleki okwazi ngokuphelele ukukhokha ekhetha ukukhokha ngendlela ehlukile. Amazinga enzalo ehlile, isimo sakhe sokukweleta sesithuthukile, imbangi yenze isinikezo esingcono, noma ufuna ukukhipha i-equity. Imalimboleko beyisebenza kahle futhi isaqhubeka nokusebenza kahle.

Uku-refinancing lokucindezeleka kwenzeka lapho umboleki ongakwazi ukuhlangabezana nemigomo ekhona enikezwa emisha angakwazi ukuhlangabezana nayo. Akukho okuye kwathuthuka ngamandla akhe okukhokha. Imalimboleko beyisenkingeni futhi isalokhu isenkingeni, inesivumelwano esisha.

Izibalo, ukuqophwa kwamabhuku, ukuhlukaniswa kanye nokubekelwa imali eceleni kwalezi zimo ezimbili akufani, futhi ukuphatha okwesibili njengokungathi okokuqala kungenye yamaphutha anomthelela omkhulu umbolekisi angawenza.

Uku-refinancing kanye nokuhlobene nakho

• Uku-refinancing: Imalimboleko endala ikhokhwa ngentsha. Umboleki uyakwazi ukukhokha futhi ukhetha imigomo engcono. Ukuqopha amabhuku: Imalimboleko entsha iyabhalwa, imalimboleko endala iyavalwa.
• Ukuhlela kabusha isikweletu: Imigomo yemalimboleko ekhona iyashintshwa (isikhathi siyelulwa, izinga lenzalo lehliswa, izinkokhelo zihlehlisiwe) ngoba umboleki akakwazi ukuhlangabezana nemigomo yokuqala. Ukuqopha amabhuku: Imalimboleko efanayo iyalungiswa; ukuhlukaniswa kokucindezeleka ngokuvamile kuyagcinwa.
• Ukuhlela kabusha isheduli yokukhokha: Izinsuku zokukhokha ziyashintshwa kanti inani eliyinhloko lingashintshile ngenxa yenkinga yesikhashana yokugeleza kwemali. Ukuqopha amabhuku: Imalimboleko efanayo iyalungiswa.
• Ukwelulwa kwemalimboleko: Imalimboleko iyelulwa lapho iphelelwa isikhathi esikhundleni sokuthi ikhokhwe, ngoba inkokhelo eyi-bullet ayikwazi ukukhokhwa. Ukuqopha amabhuku: Ukuchayeka okufanayo kuyelulwa.
• Ukwengeza imali: Imali eyengeziwe yengezwa emalimbolekweni ekhona kumboleki ovame ukukwazi ukukhokha. Ukuqopha amabhuku: Ukuchayeka okwenyukile, ngokuvamile kuyabhalwa kabusha.
• Ukuhlanganisa izikweletu: Izikweletu ezimbalwa ezivalwa isikweletu esisodwa esisha ukuze kulawulwe izibopho ezimbalwa. Ukuqoshwa kwamabhuku: Kubhukwa isikweletu esisha, izikweletu ezimbalwa ezikhona ziyavalwa.
• Ukuvuselelwa okuqhubekayo kwesikweletu: Ukugoqwa noma ukwandiswa okuphindaphindiwe ukuze kukhokhwe inzalo esuke isifanele ukukhokhwa lapho umboleki empeleni esehluleka ukukhokha. Ukuqoshwa kwamabhuku: Kufanele kuhlukaniswe njengokungasebenzi kahle.

Umugqa obaluleke kakhulu uphakathi kokuxhasa ngemali kabusha nokuhlela kabusha isikweletu, ngoba unquma ukuthi iwashi lezikweletu ezisilelayo liyaqala kabusha.

Umboleki ocindezelekile onesikweletu esihlelwe kabusha akakabuyeli esimweni sokukhokha. Umlando wakhe wezikweletu ezisilelayo awunyamalali ngoba amaphepha ashintshile. Izinhlaka eziningi zokwengamela zidinga ukuthi izikweletu ezihlelwe kabusha zigcine isigaba sazo, noma zisebenze isikhathi esinqunyiwe ngaphansi kwemigomo emisha ngaphambi kwanoma yikuphi ukukhuphulwa, khona kanye ukuze ukuguqulwa kungasetshenziswa ukuguqula isikweletu esingakhokhi sibe esisebenza kahle ngobusuku obubodwa. Izikhathi eziqondile zokulungisa kanye nemithetho yokuhlukanisa ziyahluka ngokwezindawo — qinisekisa izidingo zamanje endaweni yakini.

Lapho umbolekisi ebhuka ukuhlelwa kabusha kwesikweletu esicindezelekile njengesikweletu esisha, izinto ezintathu zenzeka ngasikhathi sinye: iphothifoliyo esengozini iyehla kungabikho okuthuthukayo, isibonelelo sokulahleka kwesikweletu siyakhululwa obekufanele sigcinwe, futhi ithimba lokuqoqa liyayeka ukusebenza ngefayela ebelidinga ukusetshenzwa. Inkinga ayihambi. Iyathula, bese ibuya inkulu kakhulu.

Kungani ababoleki bexhasa kabusha izikweletu zabo

• Izinga lenzalo eliphansi, ngoba amazinga emakethe ehla noma izinga labo lekhredithi lithuthukile
• isitolimende esiphansi, ngokuvamile ngokwelula isikhathi
• Ukukhulula inani elisele kusuka empahleni ekhule ngenani noma eyehlise isikweletu sayo
• Ukuhlanganisa izibopho ezimbalwa zibe inkokhelo eyodwa
• Ukushintsha umbolekisi, ngenxa yesevisi, isivinini noma izizathu zobudlelwano
• Ukushintsha isakhiwo — ukusuka esibonelelweni sezikweletu esijikelezayo kuya esikweletini sesikhathi eside, noma kusuka enanini eliguqukayo kuya enanini elingaguquki
• Ukususa umuntu oyingxenye, ngoba umboleki ohlanganyelayo angeke akhululwe esibophweni ngenye indlela
• Ukushintsha uhlobo lwemali, okushintsha ukuchayeka enanini lenzalo kube ukuchayeka enanini lokushintshanisa imali futhi akuvamisile ukuba inzuzo ebonakala sengathi iyona

Isibonelo esisebenzayo: ingabe ukuxhasa kabusha kuyazikhokhela?

Isikweletu esikhona sinesamba esisele esingu-200,000 esinezinyanga ezingu-24 ezisele ngenzalo engu-3% ngenyanga, okunikeza isitolimende esingu-11,809. Umbolekisi oqhudelanayo unikeza u-200,000 esikhathini esiyizinyanga ezingu-24 ngenzalo engu-2.2% ngenyanga, isitolimende esingu-10,814.

Ukugeleza kwemali kwanyanga zonke:

• Isitolimende samanje: 11,809
• Isitolimende esisha: 10,814
• Imali eyongiwe ngenyanga: 995

Izindleko ezikhokhwa kusengaphambili zokushintsha imalimboleko:

• Inkokhelo yokuhlela (2% ka-200,000): 4,000
• Izindleko zomthetho nokulinganisa inani: 3,000
• Inhlawulo yokukhokha ngaphambi kwesikhathi (2%): 4,000
• Isamba sezindleko zokushintsha imalimboleko: 11,000

Break-even = 11,000 ÷ 995 ≈ 11 months

Ngezinyanga ezingama-24 ezisele, umboleki uba nenzuzo kusukela enyangeni yeshumi nambili kuya phambili futhi uyonga cishe u-12,900 esikhathini esisele. Ukushintsha imalimboleko kuyafaneleka.

Umthetho ovela kulokhu ulula: uma isikhathi esisele sifushane kunesikhathi sokulingana kwezindleko, ukushintsha imalimboleko kuholela ekulahlekelweni yimali kungakhathaliseki ukuthi izinga eliyinhloko libukeka lilihle kangakanani. Umboleki osele nezinyanga eziyisishiyagalombili kuleyo malimboleko wayezokhokha u-11,000 ukuze aonge u-7,960.

Isicupho sokwelulwa kwesikhathi

Indlela evame kakhulu yokushintsha imalimboleko yehlisa isitolimende ngokwelula isikhathi. Ikhuphula isamba sezindleko ngendlela eqinisekile, futhi ikwenza ngendlela engabonakali enombolweni okuwukuphela kwayo iningi lababoleki eliyibhekayo.

Ibhalansi efanayo engu-200,000 ngo-3% ngenyanga:

Inketho A: Gcina izinyanga ezingama-24

• Isitolimende sanyanga zonke: 11,809
• Inani lezinkokhelo: 24
• Isamba esikhokhiwe: 283,416
• Inzalo isiyonke: 83,416

Inketho B: Yelula ukuya ezinyangeni ezingama-48

• Isitolimende sanyanga zonke: 7,916
• Inani lezinkokhelo: 48
• Isamba esikhokhiwe: 379,968
• Inzalo isiyonke: 179,968

Isitolimende sehla ngengxenye eyodwa kwezintathu. Inzalo ekhokhwayo iyanda ngaphezu kokuphindwe kabili — okungeziwe okungu-96,552, noma cishe ingxenye yebhalansi yasekuqaleni futhi.

Lokhu akukhona ukuphikisa ukwelulwa kwesikhathi nhlobo. Umboleki ongenye indlela yakhe kuwukwehluleka ukukhokha ungcono ngokucacile ukwenza izinkokhelo ezincane isikhathi eside, futhi ababolekisi kufanele bakunikeze lokho. Kungukuphikisa ukuvezwa kwesitolimende esiphansi njengokonga. Isitolimende sikala amandla okukhokha; isamba esikhokhiwe sikala izindleko. Noma iyiphi ingxoxo yokushintsha imalimboleko ecaphuna inombolo yokuqala kuphela ayiphelele, futhi ezindaweni eziningana ukudalula inombolo yokuqala kuphela kuwukwephula imithethonqubo.

Ukukhokha ngaphambi kwesikhathi: isibalo esinquma konke

Ukushintsha imalimboleko kudinga ukuthi imalimboleko ekhona ikhokhwe ngokugcwele, futhi isibalo sokukhokha ngokuvamile siphakeme kakhulu kunalokho umboleki akulindele.

Emalimbolekweni ebhalansi eyehlayo, ukukhokha kuqondile: inani eliyinhloko elisele, kuhlanganise nenzalo eseyiqoqekile kuze kube usuku lokukhokha, kuhlanganise nanoma iyiphi inhlawulo yokukhokha ngaphambi kwesikhathi. Inzalo engakaqoqwa ayikhokhiswa, ngakho ukukhokha ngaphambi kwesikhathi kuyonga ngempela imali.

Mayelana nemalimboleko e-flat-rate, ngokuvamile akunjalo. Inzalo yemalimboleko ye-flat-rate ibalwa phezu kwenani eliyinhloko lokuqala isikhathi sonke futhi yengezwe ekuqaleni. Uma isivumelwano singanikezeli isaphulelo — noma isaphulelo esibalwa ngendlela ekhokhiswa ngaphambili njenge-Rule of 78 — ukukhokha kusenesikhathi akunciphisi inzalo ekweletwayo ngokulinganayo.

Imalimboleko engu-100,000 ngenzalo engu-20% flat esikhathini esiyizinyanga ezingama-24:

• Inani eliyinhloko: 100,000
• Inzalo isiyonke (20% flat × iminyaka emi-2): 40,000
• Isamba esikhokhwayo: 140,000
• Inkokhelo yanyanga zonke: 5,833
• Kukhokhwe ngemva kwezinyanga eziyi-12: 70,000
• Inani lokukhokhela ukugcina ngaphandle kwesaphulelo: 70,000

Obolekayo usenesikhathi esingangonyaka ephethe imali futhi ukhokhe inzalo ephelele yeminyaka emibili. Izindleko zakhe zonyaka zangempela zicishe ziphindwe kabili kunaleyo ekhangiswayo engu-20%, futhi akukho ukonga kwenzalo okungaxhasa ukubolekwa kabusha. Obolekayo ofanayo emalimbolekweni enensalela enciphayo ngabe ukweleta kuncane kakhulu ngalesi sikhathi futhi ngabe wonga imali yangempela ngokukhokha kusenesikhathi.

Imiphumela emithathu engokoqobo. Ababolekayo kufanele bathole inani lokukhokhela ukugcina elibhaliwe ngaphambi kokuvuma noma yikuphi ukubolekwa kabusha, bangaliqageli ngebhalansi. Ababolekisi abanikeza amareyithi e-flat kufanele balindele — futhi ezimakethe eziningi kudingeka bakudalule — ukulingana kwangempela kwensalela enciphayo. Futhi noma yikuphi ukuqhathanisa phakathi kwemalimboleko ye-flat-rate kanye neyensalela enciphayo akusho lutho kuze kube zombili ziguqulelwa esisekelweni esifanayo.

Ukubolekwa kabusha ngasohlangothini lombolekisi

Ukungenisa ukubolekwa kabusha kuletha ikhasimende elinomlando wokukhokha obonakalayo, okuwubufakazi obungcono kunanoma yiluphi imodeli yokukala ikhredithi ekukhiqizela umuntu ongamazi. Umbuzo okufanele ubuzwe ukuthi kungani ehamba. Umboleki othenga ngentengo kungenye into; umboleki ombolekisi wakhe osekhona enqabile i-top-up, wehlise umkhawulo wakhe noma waqala ukubuza imibuzo kungenye into. Ukukhetha okungekuhle ekubolekeni kabusha kuyinto yangempela futhi umbiko wehhovisi lekhredithi yilapho kubonakala khona.

Ukulahlekelwa ukubolekwa kabusha okuphumayo kubiza imajini yesikhathi esizayo yemalimboleko ebilokhu isebenza kahle, okuyincazelo yokulahlekelwa amakhasimende akho angcono kakhulu. Kuphinde kudale ubungozi bokukhokha ngaphambi kwesikhathi emabhukwini axhaswe ngezibopho ezinemigomo efanayo.

Ukubolekwa kabusha kwangaphakathi kanye nama-top-ups kuyithuluzi elilusizo kakhulu futhi eliyingozi kakhulu lapha. Uma lisetshenziswe kahle, i-top-up yomboleki osemjikelezweni wakhe wesihlanu ohlanzekile iwukugcinwa, umvuzo nokukhula emsebenzini owodwa. Uma lisetshenziswe kabi, i-top-up ekhokha izikweletu ezingakhokhiwe futhi ifake inzalo engakhokhiwe enanini eliyinhloko iguqula i-akhawunti enezinsalela ezingakhokhiwe ibe yamanje ephepheni kuyilapho yandisa ukuchayeka. Umehluko umayelana ngokuphelele ne-khono lomboleki, futhi kufanele kubhalwe efayilini:

• Ingabe umboleki usesimweni esihle, futhi ingabe wayesesimweni esihle ngaphambi kwalo msebenzi?
• Ingabe ukuhlolwa kabusha kwemalimboleko kusekela isibopho esisha, esikhulu?
• Ingabe izikweletu ezingakhokhiwe noma inzalo enqwabelene ifakwa enanini eliyinhloko elisha?
• Ingabe lo mboleki ubezokwamukelwa namuhla njengomfakisicelo omusha ngale migomo?

Uma impendulo yombuzo wokugcina kungu-cha, lo msebenzi uwukuhlela kabusha futhi kufanele uhlukaniswe kanjalo.

Ukubolekwa kabusha okuphindelelayo

Umjikelezo ngamunye ufaka izikweletu ezingakhokhiwe enanini eliyinhloko, wengeze izimali ezikhokhwayo futhi welule isikhathi. Ibhalansi iyenyuka, isimo somboleki siba buthakathaka, futhi ifayili libukeka linjengamanje ngaso sonke isikhathi.

Umboleki owenze i-refinance kathathu ezinyangeni eziyishumi nesishiyagalombili akayena ikhasimende elihle. Uyisikweletu esisengozini esinerekhodi elihlanzekile lokukhokha, futhi irekhodi lokukhokha likhona kuphela ngoba i-refinance ngayinye yayivala imali mboleko eyandulele. Ukubala ukuthi umboleki wenza kangaki i-refinance esikhathini esihambayo kuyisilawuli esishibhile futhi esisebenzayo, futhi bambalwa kakhulu ababolekisi abakusebenzisayo.

Indlela yokusebenza

Khokha umbolekisi ophumayo ngqo. Imali ekhishelwa umboleki ukukhokha enye imali mboleko ivame ukusetshenziselwa okunye, okushiya izikweletu ezimbili eziphilayo kanti kufanele kube esisodwa.

Thola isibalo esibhaliwe sokukhokha esinosuku lokuvumeleka. Amanani okukhokha ashintsha nsuku zonke, futhi isibalo esiphelelwa yisikhathi ngaphambi kokukhishwa kwemali sishiya ukushoda.

Landelanisa isibambiso. Ukukhanselwa kwesibopho sombolekisi ophumayo nokubhaliswa kwesisha kumele kuphathwe ngendlela yokuthi kungabi khona igebe lapho umbolekisi omusha esekhiphe imali ngaphandle kwesithakaselo esibhalisiwe. Empeleni lokhu kusho izibopho ezisemthethweni phakathi kwezithintekayo kunokwethembana.

Qinisekisa ukuthi isikweletu esidala sivaliwe. Ikakhulukazi ngezindawo zokuboleka ezijikelezayo namakhadi esikweletu — ukuhlanganiswa okwehlisa amabhalansi ngaphandle kokuvala ama-akhawunti kuvame ukugcina umboleki ephethe kokubili imali mboleko yokuhlanganisa kanye nesikweletu esijikelezayo esisanda kuphinde sakhishwa.

Phinda uhlole ukukhokheka ngemibandela emisha. Isibopho esithathelwa indawo akusona isibopho esidalwayo.

Lapho i-refinance ingahambi kahle khona.

Ukuhlelwa kabusha kwezikweletu ezisengozini kubhalwa njengezikweletu ezintsha. Kwehlisa izinga lezikweletu ezisalele, kukhulula izinqolobane obekufanele zigcinwe, futhi kumisa inqubo yokuqoqa izikweletu.

Kudalulwa isitolimende kuphela. Ukwelulwa kwesikhathi sokuboleka kuvezwa njengokonga.

Iphuzu lokulingana alikaze libalwe. Izimali ezikhokhwayo nezinhlawulo ezedlula inzalo eyongiwe esikhathini esisele.

Ukukhokha kwesikweletu ngesilinganiso esicaba kuqondwa kabi. Umboleki nesikhulu bobabili becabanga ukuthi ukukhokha kusenesikhathi kuzoveza isaphulelo senzalo inkontileka engasinikezeli.

Ukuhlanganisa ngaphandle kokuvala ama-akhawunti. Amabhalansi ajikelezayo aphinde akhishwa, okushiya umboleki enesikweletu esiphelele esikhulu kunangaphambili.

Izikweletu ezisalele zifakwa enhlokweni yesikweletu buthule. Inzalo engakhokhiwe ifakwa enhlokweni yesikweletu, ngakho umboleki manje ukhokha inzalo phezu kwenzalo kanti ifayili alibonisi mlando wobunzima.

Awekho umkhawulo ekuphindaphindweni kwe-refinance. Ukwenza i-refinance kaninginingi kuyaqhubeka kuze kube yilapho isikweletu sesikhulu kakhulu ukuthi singaphinde sihlelwe.

Igebe lesibambiso ngesikhathi sokushintshwa. Izimali ezikhishwe ngaphambi kokuba isibambiso esisha sibhaliswe, okushiya imali ebolekiwe engenasibambiso phakathi naleso sikhathi.