Kunezinhlobo ezahlukene zemali-mboleko ezingatholakala uma uqashiwe, uma nje unayo imali engenayo ejwayelekile njengokungasebenzi, ukukhubazeka noma ukukhokhelwa kwe-alimony.
Ukungahlali emsebenzini kubalwa njengenzuzo kwabanye ababolekisi.
Eminye yezindlela ezishibhile futhi ezisheshayo zokuthola ukheshi okusheshayo zihlanganisa ukusebenzisa amakhadi esikweletu ukuze uthole imali kusengaphambili noma ucele abangane noma umndeni ukuthi uthole imali. Ezinye izinketho zihlanganisa:
Ukuboleka Ngekhaya Lakho Noma Umshwalense Wokuphila
- I-Equity Equity Line Credit (HELOC) uhlobo lwe-mboleko efana nekhadi lesikweletu elinomkhawulo ohamba phambili. Uma unenani elilinganayo lokulingana e-real estate, futhi uhlobo oluthile lwemali engenayo (ukungasebenzi, i-alimony, njll) lokhu kungaba yindlela yokukhetha.
- Ukuxhumana nenkampani yakho yomshuwalense wokuphila mayelana nenqubomgomo yakho kungase kuveze imali encane yemali. Khuluma nebhange lakho lendawo noma isikhungo sezikweletu ukuze uthole iseluleko.
- Lapho isikweletu sibuyiselwa, isikweletu sizozivuselela ngokwesikhathi esizayo uma usidinga.
- Lezi mboleko zivame ukuthungwa isikhathi eside futhi ziguquguquke njengoba ababolekayo bengakwazi ukuhlela izitolimende iminyaka emihlanu kuya kwengu-25.
Ukuboleka Nge-Co-Signers
Uma kunokwenzeka, ilungu lomngani noma umndeni onesikweletu esingcono angase azimisele ukubhalisela imali mboleko, akunike ithuba elingcono lokuthola mboleko kanye nenkokhelo enkulu.
Uzodinga ukufakazela umthombo wemali engenayo futhi uzothola embonweni osayiniwe ukuze uqinisekise umbolekisi ukuthi i-cosigner iyatholakala.
Ukuthuthukiswa Kwezimali
Amakhadi amaningi esikweletu ahlinzeka ngemali yentuthuko. Kuyindlela esheshayo yokuthola imali, kodwa qaphela ukuthi izinga lesithakazelo ngokuvamile liphakeme.
Izimali Zesihloko Sezimoto
Uma imoto yakho isivele ikhokhelwe noma isenele ngokwanele kuyo ukuze izuze ngaphezu kwakho, inkokhelo yemali yemoto iyindlela yokukheshiza ngokushesha.
Kuyinto eqondayo ukushintsha-of-izandla accounting lapho inkampani yemoto loan isihloko unesihloko kuze imboleko emotweni kubuyiselwe. Njengamanye amaningi okukhethwa kukho, izinkampani zesikweletu semali yemoto zidinga imali engenayo njalo, kodwa iningi lizokwamukela noma yikuphi ukuhlola njengobungqina. Izinhlelo eziningi zitholakala ku-intanethi bese zicela ukuthi ulethe imoto ukuthi ihlolwe umuntu, kanti abanye bangenza konke ngesikhathi esisodwa. Kumahhala ukufaka isicelo, kepha kukhona imali ephezulu ngaphezu kokuthandayo uma wamukela imali. Amanani aphezulu kodwana akhange aphezulu njengemalimboleko ye-payday, begodu nemigomo yemalimboleko ivame ukuhlala isikhathi eside.
Imali Yokuhlanganiswa Kwesikweletu
Izikweletu zokuhlanganiswa kwezikweletu ziyindlela yokunciphisa izinkokhelo zenyanga futhi ukhokhele kalula isikweletu, ikakhulukazi uma kungekho imali engenayo. Amafemu okuphatha izikweletu zesikweletu ukuthola ulwazi mayelana nemalimboleko yabantu abangasebenzi. Ngesiboleji sokuhlanganiswa kwezikweletu, ungase ukwazi ukugwema ababolekisi, uthole amanani entengo ephansi, futhi ugcine izimali ezisheshayo.
Abakwa-Pawnbrokers
Abakwa-Pawnbrokers bangomunye umthombo wemboleko ongasebenzi. Zihlukile kunezinkampani zezikweletu zezihloko ngoba awudingi ukuyeka into uze ukhokhele imali. Uma ungenayo imali engenayo, lokhu kungaba yindlela engcono kakhulu kuwe. Noma yini oyikhethayo ukungenisa izokwaziswa, ngokuvamile ngokuncane kakhulu kunalokho kuwufanele ngempela.
Bazokunikela ngesikweletu salo, sinike noma uthathe, kuye ngokuthi izitolo zesikhwama ngasinye. Uma ungabuyisele imali mboleko kanye nesithakazelo noma ufune ukuqhubeka kwaleso sikweletu, bazogcina into yokuyikhokhela. Isikweletu sakho ngeke sithinteke uma kufanele wenze iphutha ngemalimboleko.
Imali Yesikhashana Sokufakwa / Imali Yokukhokha
Izindawo eziningi zokukhokhela izikweletu zizokwamukela ubufakazi bokuntuleka kwemisebenzi, ukukhubazeka noma ukuhlaselwa (noma ezinye izibonelelo zemali engenayo) esikhundleni sokukhokha. Bakhathazeke kuphela ngobufakazi bemali ethile efaka i-akhawunti ekulungiseleleni ukukhokhwa kwemali ngosuku. Izinkokhelo ze-Payday ziyisikhathi esifushane futhi ziyabiza, kodwa zikhethwa uma imali iqinile futhi idinga ngokushesha.
Abanye ababolekisi
Abanye ababolekisi bazokhipha izikweletu kubantu abangasebenzi ngaphandle kwemibhalo eminingi noma ubufakazi bokuthola imali njalo uma ungafaka imali eningi (25% noma ngaphezulu).
Khuluma nabathengi abahlukahlukene (emphakathini nabangasese) mayelana nokusebenzisa amasheya amanje njengendlela yokukhokha imali ebolekiwe.