I-Smart Financing kunye neeMali-mboleko zeP&L ezizilungiseleleyo

Tyala iSmart: Uzilungiselele njani iiMali-mboleko zeP&L ezenza lula ukuxhasa ngemali amakhaya esi-2 kunyeutyalo-malis

Utyalo-mali lwezindlu nomhlaba sisicwangciso esinamandla sokwakha ubutyebi, kodwa ukuxhasa ngezimali iKhaya le-2 okanye ipropathi yoTyalo-mali kudla ngokuza nemiqobo. I-Self Prepared P&L Loan iyayitshintsha loo ngxelo, inika indlela elungelelanisiweyo kubatyali-zimali abanolwazi. Nge-P&L eZilungiseleleyo kuphela efunekayo, le mali yokubambisa iyadlula imfunekoCPA-imali elungisiweyo, eyenza kube lula ngakumbi ukufaneleka kwabo banengeniso enzima. Nokuba ulijongile ikhaya leholide okanye ipropathi erentwayo, i-5/6 ARM kunye ne-7/6 ARM iinketho zibonelela ngokuguquguquka komGangatho oPhantsi ukuya kuthi ga kwi-2.0 yezigidi zeedola.

Ngokungafaniyo neemali-mboleko zemveli ezifuna ukuba akukho zingxaki zokuBuyisa iRhafu, i-Self Prepared P&L Loan ivumela ababoleki baveze eyabo ingxelo yenzuzo nelahleko. Oku kuluncedo kubantu abazisebenzelayo okanye abatyali-zimali abanembuyekezo yerhafu engabonakalisi ukungena kwabo kwemali ngenxa yokucinywa. Ngetyala elisezantsi lamanqaku angama-680, iyilelwe ukuba ifikeleleke, iqinisekisa ukuba ukuxhasa ngezimali iKhaya lesi-2 okanye ipropathi yoTyalo-mali ayivakali njengedabi elinyukayo.

Iinketho zokuhlengahlengiswa kwezinga zinomtsalane ngakumbi kubatyali-mali. I-5/6 ARM ibonelela ngesantya esimiselweyo seminyaka emihlanu, ihlengahlengiswa rhoqo emva kweenyanga ezintandathu, ilungele abo baceba ukuthengisa okanye ukuxhasa ngemali kwakhona phambi kokuba kutshintshe amaxabiso. I-7/6 ARM, kunye nexesha elimiselweyo leminyaka esixhenxe, ifanele abatyali-mali abafuna ukuzinza kwexesha elide. Zombini zizisa izibonelelo zoMgangatho oPhantsi, ukugcina iindleko ziphantsi ngelixa usakha i-equity kuTyalo-mali lwakho okanye wonwabele iKhaya lakho lesi-2.

Olunye uphawu olugqamayo kukuba akukho Isohlwayo sentlawulo yangaphambili. Abatyali-mali banokuthengisa ipropati okanye bahlawule imali-mboleko kwangoko ngaphandle kweentlawulo ezongezelelweyo, ukwandisa imbuyekezo kwimarike eshushu. Oku bhetyebhetye kubalulekile kwabo balawula iKhaya lesi-2 ukuze basebenzisele umntu okanye ipropathi yoTyalo-mali ngengeniso yerenti. I-Self Prepared P&L Loan ixhobisa ababoleki ukuba basebenze ngokukhawuleza kumathuba ngaphandle kokubotshelelwa kwimiqathango engqongqo yemali-mboleko.

Umzekelo, qwalasela umtyali-mali ojolise kwi-condo ephambi kolwandle njengeKhaya lesi-2 eliphinda-phinda njengerenti yexesha elifutshane. Ngokungenisa i-P&L eZilungiseleleyo, babonisa umvuzo wabo ngaphandle kokumba iminyaka yembuyekezo yerhafu. I-7/6 ARM igcina iintlawulo zifikeleleka iminyaka esixhenxe, kwaye ngaphandle kweSigwebo seNtlawulo yaPhambili, banokuthengisa ukuba imakethi iphezulu, ukukhupha iingeniso ngaphandle kwesohlwayo.

I-Self Prepared P&L Loan sisixhobo sobuchule kubatyali-mali bezindlu. Yenzelwe abo bacinga ngaphandle kwebhokisi, ibonelela kuphela iP&L eZilungiseleleyo kuphela efunekayo ngokulula kunye nokuLula ngakumbi ukufaneleka amagama. Nokuba uxubana nepropathi yoTyalo-mali okanye ufumana iKhaya lesi-2, le Nqanaba ePhantsi yale mali mboleko kwaye ubhetyebhetye 5/6 ARM okanye 7/6 iinketho ze-ARM ikwenza kube lukhetho olufanelekileyo lokwakha ipotfoliyo yakho.