Bala izinkokhelo zakho zesikweletu, inzalo eyonke, ubuke uhlelo olugcwele lokukhokha. Qhathanisa i-annuity nezehlayo. Ukukhipha i-PDF kumahhala.
Kubuyekezwe kokugcina:
Isibali Sesikweletu
Isibali sesikweletu iwona muntu wokuhlela izimali okusiza ukukala izinkokhelo zakho zenyanga, izindleko zentengo eziphelele, nenani lokukhokha eliphelele ngaphambi kokuba uzibophezelele ukukhweba. Noma ngabe ucabanga ngesikweletu somuuntu siqu, isikweletu semoto, noma noma yiluphi uhlobo lwesikweletu somuntu, ukuqonda izindleko zangempela zokukhweba kubalulekile ukwenza izinqumo zemali ezinolwazi.
Isibali zethu sesikweletu esisimahala esikhona ku-intanethi sikunika imiphumela ngokushesha ngaphandle kokuqopha. Faka nje inani lesikweletu, izinga lenzalo, nokhondolo lokukhokha ukuze ubone ukwehlulwa okuphelele kwezinkokhelo zakho. Ungabuye uthumele uhlelo olugcwele lokukhokha njengeqoqo le-PDF erekhodinini lakho noma ukuqhathanisa neziphakamiso zabakhwetheli abehlukene.
Umhlahlandlela
Ukusebenzisa isibali kulula. Qala ngokufaka inani eliphelele ohlela ukukhweba ngalo esigabeni se-Inani Lesikweletu. Ngemuva kwalokho, faka i-Izinga Lenzalo Ngomnyaka elinikwa umkhwetheli wakho — leli izinga laminyaka yonke, hhayi izinga enyanga. Bese usetha i-Isikhathi Sesikweletu sakho esihlosiwe eminyakeni noma ezinyangeni.
Ekugcineni, khetha i-Uhlobo Lwenkokhelo lwakho. Izikweletu eziningi zabantu zisebenzisa izinkokhelo ze-annuity (ezilinganayo), kodwa amabhange amanye ase-Yurophu anikeza izinhlelo zemali ezehlayo (ezehlayo) futhi. Isibali sibuyekeza imiphumela ngesikhathi sangempela njengoba ulungisa noma yimuphi umkhawulo, ukuze uqhathanise izimo ezihlukene ngokushesha.
Isibali sikhombisa izinto ezintathu ezibalulekile: i-Inkokhelo Yenyanga yakho, i-Inzalo Ephelele oyokhokha ngesikhathi sesikweletu, ne-Inani Eliphelele Elizokhokhelwa (umzimba kanye nezalo). Isithombe sesigwebo somlilo sikhombisa ngokubonakalayo ukuthi ingakanani yenkokhelo yakho ephelele iya emzimbeni ngokuqhathaniswa nentengo, kanti umugqa wesilinganiso ulandelela iyinsali esele ngokuhamba kwesikhathi.
Izindlela Zokukhokha
Izindlela ezimbili ezivame kakhulu zokukhokha izikweletu e-Yurophu yi-annuity nezinkokhelo ezehlayo. Ukuqonda umehluko kungakusindisa inani elibalulekile lemali.
Nge-zinkokhelo ze-annuity, ukhokha inani elifanayo elinzinzile nyanga zonke ngesikhathi sesikhathi sesikweletu. Ezinyangeni zokuqala, ingxenye enkulu iya entenyweni. Ngokuhamba kwesikhathi, inzalo eyengeziwe yenkokhelo inciphisa umzimba. Le ndlela idumile ngoba yenza ukuhlela kwesabelomali kulula — ulwazi njalo ukuthi isibophezelo sakho senyanga yini.
Nge-zinkokhelo ezehlayo, ingxenye yomzimba ihlala ingashintshi kodwa ingxenye yenzalo yehlela njengoba ibhalansi yehlayo. Inkokhelo yakho yokuqala iyiphakeme kakhulu futhi inkokhelo ngayinye elandelayo ephansi kancane. Ngezikweletu ze-€10,000 ku-5% ngaeminyaka emi-5: i-annuity = ~€1,323 yenzalo ephelele, eyehlayo = ~€1,271 — ukonga cishe €52.
Ukuhlela Kahle
Ukwenza izinkokhelo ezengeziwe ngaphezu kwenani lakho elidingekayo lenyanga enye yezindlela ezisebenza kakhulu zokunciphisa izindleko eziphelele zesikweletu sakho. Yonke i-euro eyengeziwe iya ngqo ekunciphiseni ibhalansi yomzimba, okunciphisa inzalo ekhokhelwa ezinyangeni zonke ezizayo.
Sebenzisa i-"Ngenzenjani uma ngikhokhela ngeziwe?" yomugqa wesibali ukuze ubone ngqo ukuthi yisikhathi esilingana nani nemali oyinikeza. Ukwengeza nje i-€50 nyanga zonke esikweletini se-€20,000 ku-6% eminyakeni eli-10 kungakusindisa ngaphezu kwe-€1,200 entenyweni nokufinyeza isikweletu sakho ngaphezu konyaka.
Ukwehlulwa Kwenkokhelo
Uhlelo lokukhokha yithebula elinemininingwane elikhombisa yonke inkokhelo ngayinye ngesikhathi sesikweletu sakho. Nyanga ngayinye, lihlela ngqo ukuthi yimalini yenkokhelo yakho eya emzimbeni, yimalini eya entenyweni, kanye neyini ibhalansi esele ngemuva kwenkokhelo.
Kusiza ukuqonda uma uzodlula enqolobane yesikweletu sakho, lapho iningi lenkokhelo yakho liqala ukuya emzimbeni kunokuba lentenyweni, kanye nezinkokhelo ezengeziwe zingathinta kanjani isikhathi sakho sokukhokha. Isibali zethu senza uhlelo olugcwele futhi sikuvumele ukuthumela njengomqulu we-PDF.
Izibali Ezihlobene
Sebenzisa i-isibali semorgeji zethu ukuze uthole ukwehlulwa kwezindleko okugcwele okufaka izimali zenotari nomshwalense. Uma ubuye ulondoloza ikamva lakho, i-isibali senzalo ehicayo zethu sikhombisa ukuthi izimali zakho zikhula kanjani ngokuhamba kwesikhathi kanye nokukhokha isikweletu sakho.
Amacebiso Awusizo
Qhathanisa ababolekisi abaningi
Izinga lenzalo lihluka kakhulu phakathi kwamabhange. Thola izingcaphuno okungenani kubabolekisi abathathu abahlukene ngaphambi kokwenza isinqumo.
Hlola isikolo sakho sesikweletu
Amaphuzu esikweletu aphezulu ngokuvamile akwenza ufanelekele amanani aphansi. Buyekeza umbiko wakho wesikweletu futhi ulungise noma yiziphi izinkinga ngaphambi kokufaka isicelo.
Cabangela isikhathi semalimboleko
Imigomo emifushane yemalimboleko ivamise ukuza namazinga enzalo aphansi. Imali mboleko yeminyaka emi-3 ingaba nenani elingcono kakhulu kunemalimboleko yeminyaka eyi-7.
Bheka izindleko eziphelele
Inkokhelo yanyanga zonke ephansi enesikhathi eside ngokuvamile isho ukukhokha inzalo enkulu kakhulu. Qhathanisa izindleko eziphelele kuzo zonke izimo.
Xoxisana
Imibandela yemalimboleko ivamise ukuxoxisana ngayo, ikakhulukazi uma unephrofayela eqinile yezezimali noma ubudlelwano obukhona nebhange.
Buka izinkokhelo
Abanye ababolekisi bakhokhisa izimali zokuqala, izimali zokucubungula, noma izinhlawulo zokukhokha ngaphambi kwesikhathi. Faka lokhu ekuqhathaniseni izindleko zakho.
Izinkokhelo ze-annuity zihlala zifana ngalo lonke isikweletu — inyanga ngayinye ukhokha inani elifanayo, kodwa isilinganiso senxenye enkulu nentengo siyaguquka. Izinkokhelo zehlayo ziqala phezulu kodwa ziya phansi inyanga ngayinye njengoba inxenye enkulu ihlala ijwayelekile kuyilapho inzalo iyehla. Izinkokhelo zehlayo ziholela ekukhokheleni inzalo encane eyonke.
Kwizikweletu ze-annuity, inkokhelo yenyanga ibalwa usebenzisa indlela: M = P * [r(1+r)^n] / [(1+r)^n - 1], lapho P inani lesikweletu, r izinga lenzenso yenyanga, n inombolo yezinyanga. Kwizikweletu zehlayo, inxenye enkulu ijwayelekile (inani lesikweletu / inombolo yezinyanga) bese inzalo ibalwa kwinselela esisalele.
Ukwenza izinkokhelo ezengeziwe kunganoma ngokuqedwa inzalo eyonke nokwehla kwesikhathi sesikweletu. Sebenzisa umkhombisi wokuthi 'Ngenzenjani uma ngikhokhela ngeziwe?' ukubona kahle ukuthi ungalondoloza malini. Nazo izinkokhelo ezincane ezengeziwe ze-€50-100/inyanga zinganqanda izinkulungwane zenzalo ezikweletini esikhathi eside.
Uhlelo lokukhokha luwuhlelo olugcwele lwezinkokhelo zesikweletu olukhombisa inkokhelo ngayinye yenyanga ehlulelwe enxenyeni enkulu nasentengo, kanye nensalela esisalele. Ikusiza ukuqonda kahle ukuthi isikweletu sakho sizokhokhelwa kanjani ngokuhamba kwesikhathi.
Sebenzisa i-Annual Percentage Rate (APR) enikezwa yibhange lakho. Leli izinga lentengo langomnyaka, hhayi izinga lenyanga. Izinga ejwayelekile lentengo yesikweletu eYurophu liyahlukahluka kusukela ku-3% kuya ku-12% ngokuya ngohlobo lwesikweletu nophrofayili wakho wesikweletu.