Ngingakulungisa nini ukutshalwa kabusha kwezimali kanye nesikhathi esifanele sokuthola kabusha imali

Ngingayithola nini i-refinance?

Umuntu angacabangela ukubuyisela imalimboleko yakhe uma ebhekene nezinselele zezimali noma efuna ukuthuthukisa imigomo yemali mboleko yakhe yamanje.
Nazi ezinye izikhathi lapho kungaba umqondo omuhle ukwenza kabusha imali:

• Uma ufuna ukunciphisa izinkokhelo zakho zemalimboleko yanyanga zonke noma ukuthuthukisa isikhathi sakho sokukhokha sonke, ukubuyisela imali kungaba yisixazululo esifanelekile.
  Ngokwenza imali kabusha, ungathola imali mboleko entsha enemibandela engcono, njengesikhathi eside sokukhokha noma izinga lenzalo eliphansi.
• Uma ucabanga ukuthi izinga lenzalo yamanje emalimboleko yakho lingaphezulu kwesilinganiso esijwayelekile, ungacabanga ukuphinda unike imali ebolekiwe ukuze uthole inzalo ephansi.
  Lokhu kungakusiza ukuthi wonge imali ngokuhamba kwesikhathi.
• Uma ufuna ukukhokha izikweletu eziningi emalimboleko eyodwa, ungakwazi ukuhlanganisa imali mboleko ehlukene ube yimalimboleko eyodwa kanye nezitolimende zanyanga zonke ezikulungele kangcono.
  Lokhu kungaba usizo uma unobunzima bokuphatha izinkokhelo zemalimboleko eziningi.
• Uma ufuna ukuthuthukisa imigomo ehlotshaniswa nemali mboleko njengezinkokhelo zokuvala noma amakhomishini okuxhasa ngezimali, ukubuyisela imali kungasiza ekutholeni imigomo efanelekile futhi ekufanele kakhulu.

Isikhathi esihle sokwenza imali kabusha

Ezimweni eziningi, ukubuyisela imali kungaba inketho enenzuzo neyongayo kubantu ngabanye namabhizinisi.
Nokho, kubalulekile ukucabangela isikhathi esifanele sokwenza lo msebenzi.
Kunezici ezimbalwa okufanele sizicabangele ukuze sinqume isikhathi esifanelekile sokwenza kabusha imali:

• Izilinganiso Zenzalo: Izilinganiso zenzalo zamanje kufanele zibe ngaphansi kakhulu kunalokho ezaziyikho ngenkathi kwenziwa uxhaso lwezimali lokuqala.
  Uma ubona ukwehla kwamazinga enzalo atholakalayo, kungase kube isikhathi esihle sokwenza imali kabusha.
• Ukutholakala kwezimali: Uma udinga i-liquidity eyengeziwe noma ufuna ukuthuthukisa i-liquidity yenkampani yakho, ukubuyisela imali kungase kube yisixazululo esikahle kuwe.
  Qiniseka ukuthi unamandla okwenza izinkokhelo ezintsha noma imigomo inqubo yokubuyisela imali engase idinge.
• Thuthukisa Isikweletu: Kwesinye isikhathi, ukubuyisela imali kungaba indlela yokuthuthukisa isikweletu sakho.
  Uma unomlando omuhle wezezimali futhi ungakwazi ukukhokha njalo, ukubuyisela imali kungasiza ukukhulisa isikweletu sakho futhi kuthuthukise izimo zakho zezezimali zizonke.
• Izindleko Zokubuyisela Izimali: Kufanele ubale futhi uhlole zonke izindleko ezihambisana nenqubo yokuxhasa ngezimali kabusha, njengezinkokhelo zokuvala, izindleko zokwelulekwa, kanye nezinkokhelo zokulawula.
  Ngokufanelekile, kufanele ubale lezo zindleko futhi uziqhathanise nezinzuzo zezezimali ezingaba khona ezingase ziqhamuke nokuxhaswa ngezimali kabusha.

Ngokunaka kakhulu lezi zici, ungakwazi ukunquma isikhathi esifanele sokwenza ukukhishwa kwezimali okuphumelelayo futhi ukwandise izinzuzo zayo.
Cwaninga futhi uthintane nochwepheshe bezezimali ukuze bahlole isimo sakho futhi wenze isinqumo esifanele.

Izinzuzo zokuthola kabusha izimali zesikhathi eside

Ukuthola kabusha izimali zesikhathi eside kuwukukhetha okuhlakaniphile kwezezimali okungaletha izinzuzo eziningi kubantu ngabanye namabhizinisi ngokufanayo.
Nazi ezinye zalezi zinzuzo:

1. Ukonga Izindleko: Ukubuyisela imali yesikhathi eside kuyindlela enhle yokonga izindleko.
   Abantu ngabanye namabhizinisi bangalindela ukwehliswa kwezinga lenzalo lapho bexhasa ngezimali imali mboleko yabo ekhona kakade.
   Ngakho-ke, lokhu kuzokongela imali eyengeziwe ngokuhamba kwesikhathi.
2. Ukwehliswa kwezinkokhelo zanyanga zonke: Lapho kunikezwa kabusha imali isikhathi eside, abantu ngabanye nezinkampani banganciphisa izinkokhelo zanyanga zonke okufanele zikhokhelwe emalimboleko.
   Lokhu kusho ukuthi kuzomele bakhokhe kancane ngenyanga ukuze bakhokhe izikweletu zabo.
   Ngakho, lokhu kunikeza ithuba lokonga okwengeziwe kwezinye izinjongo.
3. Umphumela Wesikweletu Othuthukisiwe: Ukunikezwa kabusha kwezimali kwesikhathi eside kungaholela ekuthuthukisweni kwezikolo zezikweletu zabantu ngabanye namabhizinisi.
   Uma imali ebolekiwe ekhona isibuyiswe ngempumelelo futhi kusetshenziswa imali entsha ebolekiwe ngamanani enzalo aphansi, izinga lesikweletu lilonke lizoba ngcono.
   Lokhu kungavula umnyango wamathuba amasha okuthola imali eyengeziwe esikhathini esizayo.
4. Gwema izingqinamba zezimali: Ukuxhasa ngezimali isikhathi eside kuyithuluzi elisebenzayo lokugwema izinkinga zezimali.
   Abantu ngabanye namabhizinisi bangakhulula ukucindezeleka ngokwezimali lapho bebhekene nobunzima bokukhokha izikweletu ezikhona.
   Ngale ndlela, bangazuza esikhathini esinwetshiwe sokukhokha kanye nezinkokhelo eziphansi zanyanga zonke ukuze bathole ukuzinza kwezezimali.

Uma kubhekwa lezi zinzuzo, ukubuyisela imali yesikhathi eside kuyinketho encomekayo kubantu namabhizinisi abafuna ukuthuthukiswa okuqhubekayo esimweni sabo sezezimali.

Izindleko ezihlobene nokubuyisela imali

I-Refinancing iwuhlelo olusha lokuxhasa ngezimali olwenziwa ngenjongo yokubuyisela imali ebolekiwe ekhona ngemali mboleko entsha enemigomo nezinzuzo ezinhle kakhulu.
Ngale nqubo kuza izindleko ezihlobene nokuxhaswa ngezimali kabusha.
Kunezici ezimbalwa ezithinta ukunquma izindleko, ezibaluleke kakhulu kuzo yilezi:

1. Izimali Zokucubungula: Lezi yizimali ezikhokhwa esikhungweni sezezimali esihlinzeka ngezimali ukuze sicubungule inqubo yokubuyisela futhi siqinisekise izimfanelo zezimali zomboleki omusha.
   Obolekayo kufanele acabange ngokucophelela futhi achaze izindleko zokucubungula ezilindelekile ngaphambi kokwenza noma yisiphi isinqumo sokubuyisela imali.
2. Izimali Zokuhlola: Lezi yizimali ezikhokhwayo ukuze kutholwe ukuhlolwa kwendawo yomboleki ngumhloli wezindlu ochwepheshe.
   Inani lesakhiwo linqunywa ngokusekelwe ezicini ezifana nendawo, isimo sesakhiwo, kanye nemakethe yendawo.
   Obolekayo kufanele abe nokuqaphela okuhle kwezindleko zalezi zimali kanye nokubaluleka kwazo enqubweni yokubuyisela imali.
3. Izilinganiso Zenzalo: Lena enye yezindleko ezinkulu zenqubo yokuxhasa ngezimali kabusha.
   Inzalo ibalwa ngokusekelwe kubhalansi esele yemali mboleko futhi ezimweni eziningi inomthelela omkhulu ezindlekweni zemalimboleko ezihleliwe.
   Obolekayo kufanele acwaninge futhi aqhathanise izilinganiso zenzalo zabahlinzeki bezezimali abahlukene ngaphambi kokuthatha isinqumo sokubuyisela imali.
4. Izindleko Zokuvala: Lezi zindleko zifaka izindleko zomthetho, izimali zokubhalisa inkontileka, izindleko zokudlulisa, kanye nanoma yiziphi ezinye izinkokhelo ezihlobene nenqubo yokukhokha kabusha.
   Lezi zindleko zingahluka kuye ngomthetho wendawo kanye nebhange elihlinzeka ngezimali.
   Kuyadingeka ukufaka lezi zindleko ekubalweni komboleki ukuze kunqunywe inani lezindleko zenqubo yokubuyisela kabusha.
5. Izinhlawulo Zokukhokha Ngaphambili: Abanye abahlinzeki bezimali zezohwebo bangabeka inhlawulo kumboleki uma ekhokha imali ebolekiwe ngaphambi kosuku olunqunyiwe.
   Obolekayo kufanele abuze ngobukhona kanye nenani lalezi zimali ngaphambi kokwenza noma yisiphi isinqumo mayelana nokubuyisela imali.

Kubalulekile ukuthi umeboleki abe nolwazi oluhle ngazo zonke izindleko ezihambisana nokuxhaswa ngezimali kabusha futhi azichaze ngendlela efanele abahlinzeki bezezimali.
Obolekayo angathola futhi iseluleko kubaluleki bezezimali ukuze babasize banqume izindleko zangempela futhi bahlole izinzuzo nezingozi ezihlobene nokubuyisela imali.

 Uzilungiselela kanjani ukubuyiselwa imali

Ukunikeza imali kabusha kuyisinyathelo esibalulekile esinomthelela ekwenzeni ngcono impilo yezezimali yomuntu siqu noma yebhizinisi.
Kodwa ngaphambi kokuqala inqubo yokukhokha kabusha, abantu nezinkampani kumele balandele izinyathelo ezibalulekile zokuqinisekisa impumelelo yalolu hlelo.
Nansi indlela yokulungiselela ukuphinda uthole imali:

1. Linganisa isimo sakho sezezimali samanje: Ngaphambi kokuqala ukwenza imali kabusha, abantu ngabanye namabhizinisi kufanele bahlole ngokucophelela isimo sabo sezimali samanje.
   Lokhu kuhlanganisa ukubuyekeza izikweletu ezikhona, ukuhlola umlando wesikweletu, nokuhlaziya ukugeleza kwemali.
2. Yakha uhlelo lokuxhasa ngezimali esikhathini esizayo: Ngokusekelwe ekuhlolweni kwesimo sezimali, uhlelo lokuxhaswa ngezimali kwesikhathi esizayo kufanele lwenziwe.
   Lokhu kuhlanganisa ukusetha imigomo yezezimali, ukunquma amanani okufanele aphinde anikezwe imali, nokukhetha inketho efanele yokubuyisela imali.
3. Sesha isikhungo sezezimali esifanele: Ngemva kokwenza uhlelo, abantu ngabanye kanye nezinkampani kufanele zifune isikhungo sezimali esifanele ukuze sixhaswe kabusha.
   Izilinganiso zenzalo, imigomo yemalimboleko, nokufaneleka kwemalimboleko kufanele kucatshangelwe.
4. Ukulungiselela imibhalo yezezimali: Ngaphambi kokufaka isicelo sokuxhaswa ngezimali kabusha, abantu ngabanye nezinkampani kufanele balungise imibhalo edingekayo yezezimali.
   Lawa maphepha angabandakanya amakhophi ezitatimende zezimali, imibiko yesiqinisekiso kanye nanoma yimiphi eminye imibhalo efanele.
5. Ukuxoxisana nokusayina isivumelwano: Ngemva kokulungisa imibhalo yezezimali, abantu ngabanye nezinkampani kufanele baxoxisane nesikhungo sezimali esikhethiwe futhi baqinisekise imigomo nemibandela okuvunyelwene ngayo.
   Ngemva kokuvumelana ngemibandela, isivumelwano singasayinwa futhi izinyathelo zokugcina zingathathwa ukuze kufakwe kabusha izimali.
6. Gada isikweletu sesikhathi esizayo: Ngemva kokukhokha kabusha, abantu ngabanye namabhizinisi kufanele baqaphe ngokucophelela isikweletu sesikhathi esizayo.
   Kumelwe bakhokhe imali abayikweleta ngesikhathi futhi balondoloze umlando omuhle wesikweletu.

Uma abantu nezinkampani zilandela lezi zinyathelo futhi zilungiselela kahle, ukuxhasa ngezimali kabusha kungathuthukisa isimo sezezimali futhi kunikeze imigomo engcono yokuxhasa ngezimali esikhathini esizayo.

 Izinto ezithinta ukugunyazwa kokuxhaswa ngezimali kabusha

Izinqubo zokukhokha kabusha zithintwa izici ezimbalwa ezithinta ukugunyazwa kwenkampani yamasheya ehlangene enelayisensi yokwenza umsebenzi wokubuyisela kabusha izindlu nomhlaba.
Lezi zici zihlanganisa, kodwa azikhawulelwe kulokhu:

1. Umlando Wesikweletu: Ukugunyazwa kokuxhasa ngezimali kabusha kudinga ukuhlaziya ngokucophelela umlando wesikweletu somthengisi wezindlu.
   Amabhange nezikhungo zezezimali ezibamba iqhaza ekubuyiselweni kwezimali kwezindawo ezithengiswayo zingase zibheke umlando wezikweletu womnikezi zimali njengesici esibalulekile ekunqumeni ikhono lakhe lokukhokha izikweletu ezisele.
2. Iholo kanye Nokuqashwa: Ikhono lomxhasi wezindlu nezindlu ukukhokha imali ebolekiwe kanye nezibopho zakhe zezezimali zizonke zibhekwa ngokuhlaziya iholo lakhe nezimo zokusebenza.
   Uma eneholo elizinzile nomsebenzi ozinzile, lokhu kuthuthukisa amathuba okugunyazwa ukuxhaswa ngezimali kabusha.
3. Inani lempahla kanye neleveli ye-mortgage: Inani lesakhiwo kanye nenani lemali ebolekiwe exhunywe kuso kuhlaziywa ngokucophelela.
   Uma inani lesakhiwo lidlula inani lemali ebolekiwe, lokhu kwandisa ithuba lokugunyazwa ukuxhaswa ngezimali kabusha.
   Kodwa uma inani lemali ebolekiwe lidlula inani lesakhiwo, lokhu kungase kube ukukhathazeka futhi kungase kuphumele ekunqatshweni kwesicelo sakho sokubuyisela imali.
4. Amadokhumenti nezibambiso: Izinkampani zezezimali ezinikezela ngezimali kabusha ngezindlu nezindlu zidinga ukugcwalisa iqoqo lamadokhumenti nezibambiso zomxhasi wezindlu nezindlu.
   Le mibhalo ihlanganisa imininingwane kamazisi, ubufakazi bezezimali, amarekhodi omsebenzi kanye namadokhumenti obunikazi bezindlu.
   Uma osozimali engakwazi ukuhambisa lawa madokhumenti ngendlela efanele ngokuhambisana nezidingo zenkampani okukhulunywa ngayo, lokhu kungase kuthinte kabi ithuba lokugunyazwa ukuxhaswa ngezimali kabusha.

 Izinyathelo zokuthola kabusha imali

1. Hlola isimo sakho sezezimali: Ngaphambi kokuqala inqubo yokuxhasa ngemali kabusha, kufanele uhlole ngokucophelela isimo sakho sezezimali samanje.
   Lokhu kusho ukuhlola izikweletu ezikhona, ukwazi izinga lenzalo yamanje emalini oyibolekile, nokubala izindleko ezihilelekile enqubweni yokukhokha kabusha.
2. Izinketho Ezitholakalayo Zokucwaninga: Cwaninga futhi uhlole ukuze uthole ukuthi yiziphi izinketho ezitholakalayo kuwe zokuxhasa ngezimali.
   Ingabe akhona amanye amabhange anikeza inzalo ephansi? Ingabe zikhona izinhlelo zikahulumeni noma izinhlangano ezingenzi nzuzo ezinikezela ngezimali ngemibandela evumayo?
3. Qhathanisa Okunikezwayo: Qhathanisa futhi uhlaziye okunikezwayo ongakuthola, njengezinga lenzalo, imigomo, nezinye izinzuzo zezezimali.
   Sebenzisa ithebula lokuqhathanisa ukusiza ukwenza isinqumo esifanele.
4. Ukuthola amadokhumenti adingekayo: Ungase udinge ukuqoqa amadokhumenti asekela ikhono lakho lokukhokha kanye nomlando wokusebenza nomnikazi webhange omusha, njengezitifiketi zeholo, izitatimende zasebhange, nezimbuyiselo zentela.
5. Ukuhambisa isicelo semalimboleko: Ngemva kokukhetha ibhange elifanele noma isikhungo sezimali, kufanele uhambise isicelo semalimboleko esidingekayo.
   Isicelo singaba ku-inthanethi noma egatsheni lebhange lebhange.
6. Buyekeza inkontileka: Uma isicelo sakho semalimboleko sesivunyiwe, kufanele ufunde ngokucophelela futhi uqonde imigomo yenkontileka.
   Qinisekisa amanani okuvunyelwene ngawo, imigomo yokukhokha, kanye nanoma yiziphi ezinye izinkokhelo ezisebenzayo.
7. Ukuvala isivumelwano: Ngemva kokubuyekeza nokuqonda inkontileka, yisayine futhi uyigxivize ukuze uqedele inqubo yokukhokha kabusha.
   Lesi sinyathelo siphetha ngokukhokha imali oyibolekile yamanje kanye nokudlulisela inani elingunaphakade ku-akhawunti yakho entsha.

Ukunikeza imali kabusha kungase kube isinyathelo esihle sokuthuthukisa isimo sakho sezezimali futhi wonge imali eyengeziwe, kodwa kufanele uqondiswe izeluleko zezezimali zochwepheshe futhi wenze ucwaningo oludingekayo ngaphambi kokwenza noma yisiphi isinqumo.

Izinto okufanele uzinake ngenkathi wenza kabusha imali

Kukhona ezinye izinto okufanele umuntu aziqaphele futhi azinake lapho efaka kabusha imali.
Nanka amanye ala maphuzu angakusiza wenze isinqumo esifanele:

• Yazi inhloso: Kufanele unqume umgomo ongemuva kokwenza imali kabusha.
  Ingabe ufuna ukwehlisa inzalo noma ukunciphisa isikhathi semalimboleko? Lokhu kuzokusiza ukuthi ukhethe indlela engcono kakhulu yokubuyisela imali.
• Qhathanisa okunikezwayo okutholakalayo: Kubalulekile ukuthi uqhathanise okunikezwayo okutholakala kubanikezeli bemalimboleko abahlukene.
  Bheka amanani enzalo aphansi kanye nemigomo evumelana nawe.
  Sebenzisa iziqhathaniso zemalimboleko eku-inthanethi ukuze uthole ulwazi olunembile.
• Izimali nezindleko: Qiniseka ukuthi uyaziqonda zonke izinkokhelo nezindleko ezihambisana nokubuyisela imali.
  Lokhu kungase kuhlanganise izindleko zokuvala zemali mboleko ekhona kanye nokubhaliswa kwemali mboleko entsha.
  Ungathola ukuthi kunezindleko ezingalindelekile, hlola lokhu ngaphambi kokuthatha isinqumo.
• Umthelela ngesikweletu: Ukuxhasa ngezimali kabusha kungathinta isikweletu sakho, njengoba kungase kudinge ukuthi uvule imalimboleko entsha futhi uvale endala, okungase kuthinte isilinganiso sakho sesikweletu.
  Qiniseka ukuthi uyawuqonda lo mthelela ngaphambi kokwenza isinqumo sakho.
• Ukucatshangelwa kwentela: Okunye ukuxhaswa kwezimali kungase kube nomthelela wentela.
  Cwaninga izinzuzo zentela ezingaba khona ongazithola ngaphambi kokuthatha isinqumo sokubuyisela imali.
• Izinkontileka nemibandela: Ngaphambi kokubuyisela imali ngokusemthethweni, qiniseka ukuthi ufunda zonke izivumelwano nemigomo ngokucophelela.
  Qiniseka ukuthi uyiqonda ngokugcwele imigomo nemikhawulo engaba khona ehlotshaniswa nokuxhaswa ngezimali kabusha.

Ukubuyisela imali kuyisinqumo esibalulekile esidinga ukucabanga okuhle nocwaningo.
Cabangela zonke izinketho ezitholakalayo futhi uthintane nochwepheshe uma kudingeka ukuze uqinisekise ukuthi wenzela wena isinqumo esingcono kakhulu nezimo zakho zezezimali.

Ibalwa kanjani i-refinancing?

Ukunikezwa kwezimali kabusha kubalwa kusetshenziswa isethi yezinto ezithile ezithinta izindleko ezengeziwe zezimali umuntu noma inkampani okuzodingeka izikhokhe.
Nazi ezinye zezinto ezibalulekile ezithinta inqubo yokubala kabusha ngezimali:

Izindleko zenzalo: Lezi zici zihlanganisa izinga lenzalo elisetshenziswa enanini elibolekiwe kanye nesikhathi semalimboleko.
Umgomo wokubuyisela kabusha ngokuvamile uwukunciphisa izinga lenzalo ukuze unikeze imali eyengeziwe kumboleki.

Izimali Ezikhokhwayo: Zingase zihlanganisa izinkokhelo ezengeziwe zezimali zomsebenzi, izinkokhelo zokuhlolwa kwendawo, kanye nezinkokhelo zokuxhasa ngezimali zokugcinwa kwe-akhawunti.
Zonke lezi zimali kufanele zicatshangelwe lapho kubalwa izindleko zokubuyisela imali.

Isikhathi esisele semali mboleko: Lapho uxhasa ngezimali imali mboleko kabusha, inani elisele okufanele likhokhwe kanye nenani lezitolimende ezisele kufanele kucatshangelwe.
Ukuxhasa ngezimali kabusha kungase kunwebe isikhathi semalimboleko futhi ngaleyo ndlela kwandise inani lezitolimende, futhi lokhu kungase kuthinte zonke izindleko zezimali.

Inani lesakhiwo: Inani lesakhiwo lingathinta ukunikezwa kwezimali kabusha.
Uma inani lesakhiwo likhuphuka, imibandela yezimali evumayo ingase inikezwe.
Kodwa uma inani lesakhiwo lehla, kungase kube nzima ukuthola imibandela yezimali evumayo.

Ezinye Izinto: Ezinye izici ezifana nemali engenayo edonselwa phansi noma ezinye izikweletu zingathinta ukubalwa kwezimali kabusha.
Izixhumanisi ezengeziwe noma imigomo ingasebenza ngokusekelwe kulezi zici.

Kubalulekile ukuthintana nochwepheshe bezezimali namabhange ukuze uthole ulwazi olunembile mayelana ne-akhawunti yakho yokuxhasa ngezimali futhi ulungise uxhaso lwakho lwezimali ngendlela ehlangabezana nezidingo zakho zezezimali ngendlela efanele.