Ukubuyiswa kokuqala kwemali mboleko kunezinzuzo eziningi. Lokhu kunciphisa inzalo, nokuzola kwengqondo komboleki. Ngakho-ke, wonke umuntu onesibopho sezezimali enhlanganweni yezohwebo, ucabanga ukuthi maduze uzowachitha kanjani. Ukukhokha okusheshayo kwemali mboleko yamanje kungenzeka nge-refinancing scheme, njengoba lesi yisisombululo esinengqondo kakhulu.
Ngokuvamile amabhange ahamba ngokuzithandela ezindabeni ezinjalo. Lokhu kusebenza kusho ukuphetha kwesivumelwano esisha sokuthatha isikweletu ngenzalo encane kakhulu futhi ukubuyisela omdala. Kulokhu, ikhasimende lizokwazi ukusindisa ngenzalo futhi likhokha isikweletu ngokushesha. Kodwa kungenjalo akufanele uthathe isikweletu esisha kwenye inhlangano ukuze ukhokhe lowo omdala. Njengomkhuba wokubonisa, lokhu kuzoholela ezinkingeni ezinkulu nakakhulu.
Ngingayiphi indlela engingayikhokha ngokushesha?
Ukukhokhwa kwesikweletu sokuqala kungenzeka uma umboleki ewenza imali eningi njalo ngenyanga kunalokho akweleta. Uma lemali ingaphezulu, ngokushesha umbolekayo uzobhekana nezibopho zezikweletu. Ukuze ube nalolu thuba, kufanele uhlele isabelomali sakho, ulahle imali esebenzayo. Ukuhlaziya izindleko ngokucophelela kuzokuvumela ukuba ulawule ukuthenga, okuzoholela ekulondolozeni kwezezimali. Zingasetshenziselwa ukwandisa inani lokukhokhelwa kwenyanga.
Indlela yokukhokha imali ngokushesha - amathiphu:
- Inyangazonke, uhlehlise imali ukuze ukhokhe imali.
- Ukuhoxisa izinkokhelo ngokuvumelana nesimiso. Uma kungenjalo, izijeziso nezinhlawulo zizohlolwa, okuzokwandisa inani lokukhokha.
- Bhala isitatimende ebhange mayelana nokuhlelwa kabusha kwezikweletu.
Kanjani ukukhokha imali ngokushesha, uma kungekho imali?
Isimo lapho kungekho imali yokukhokha imali ejwayelekile. Kodwa izikweletu zakho kufanele zinikezwe, ngoba akukho ukubuya kuzoholela emiphumeleni eyingozi.
Okokuqala, zama ukuthola imithombo eyengeziwe yemali engenayo. Lokhu kungaba kokubili umsebenzi wesikhathi esigcwele kanye nomsebenzi wesikhathi esigcwele ngesikhathi samahhala. Kungabandakanya ukufundisa, ukusebenza ku- inthanethi , ukubonisana okuhlukahlukene. Uma kungenzeka, ungakwazi ukuboleka imali kubangani noma izihlobo. Noma uthengise izimpahla ezibonakalayo, futhi ngenzuzo yokukhokha isikweletu.
Kunengqondo ukuxhumana nebhange bese uchaza isimo. Kungenzeka ukuthi lowo obolekisayo uzohlangana futhi anikeze amaholide esikweletu. Lapho unquma ukuthi uzokhokha ngokushesha kangakanani isikweletu, ungakhohlwa ukuthi uhulumeni angasiza kule ndaba. Ukuxhaswa kuyoba usizo oluhle ekukhokhweni kwemali mboleko.