Izinhlelo Ezinwetshiwe Zokuphothula Iziqu ze-2023

Ngaphambi kokuqhathanisa izinhlelo zokukhokha ezinwetshiwe nezineziqu, kufanele wazi ukuthi kungani zingewona umqondo omuhle ngempela. Uma sekushiwo lokho, umbono omuhle wazo zonke uzosiza inqubo yakho yokuthatha izinqumo. Funda ukuze ubone incazelo ephelele yazo ngayinye yazo. Ake sicwilise!

Izinhlelo Zokukhokha Ezandisiwe Neziphothuliwe

Uhlolojikelele Lwezinhlelo Zokubuyisela Ezandisiwe Nezithweswe Iziqu

Izinhlelo zokubuyisela ezinwetshiwe nezithweswe iziqu ziyahlukahluka njengoba ziqukethe ukubuyiselwa kwemali mboleko yabafundi Eyengeziwe.

Zombili izinhlelo ezinwetshiwe zinciphisa izinkokhelo ngokwandisa isikhathi sakho sokukhokha. Kodwa-ke, ukubuyisela okunwetshiwe okuphothulile nakho ekuqaleni kunciphisa izinkokhelo zakho ngokuya ngokuthi ukweleta malini.

Ukuhlolwa Okubalulekile Kwezinhlelo Zokukhokha Ezandisiwe Nezithweswe Iziqu

Cishe kuzo zonke izimo lapho unemali mboleko yabafundi enenzalo engaphezu kuka-5%, amasu wokukhokha anwetshiwe naphothule iziqu awumbono omubi.

Kodwa-ke, uma ubheka izibalo ezivela kuhulumeni wobumbano, amakhulu ezinkulungwane zabantu azisebenzisayo. Nazi, ngezansi.

Uhlelo Lokubuyisela Okuqedile

Uhlelo Lokubuyisela Imali Ngeziqu lufaka izinkokhelo zokuqala eziphansi ezikhuphuka njalo eminyakeni emibili. Ngokufana Nohlelo Olujwayelekile Lokubuyisela, isikhathi sokukhokha ngokuvamile asibi ngaphezu kweminyaka eyi-10.

Ngaphansi kwalolu hlelo, ububanzi bezinkokhelo zakho zanyanga zonke abusoze baba ngaphansi kwenani lenzalo etholakala ngenyanga noma ngaphezulu kokuphindwe kathathu kunanoma iyiphi enye inkokhelo.

Kuhle kumuntu ofuna ukukhokha imali mboleko yakhe ngokushesha ngangokunokwenzeka ngenkathi eneholo elincane lokuqala okulindeleke ukuthi likhule phakathi neminyaka eyi-10. Isikhathi sokukhokha.

buhle

  • Isikhathi sokukhokha seminyaka eyi-10 sikuvumela ukuthi uzikhulule esikweletini somfundi ngokushesha kunezinye izinketho.
  • Izinkokhelo zikhuphuka ngokuhamba kwesikhathi, zivumela abafundi abasha ukuba baphathe izinkokhelo zemalimboleko yabafundi kumholo wezinga lokungena lapho bengena emsebenzini.

bawo

  • Uma umholo wakho ungakhuli njengoba bekulindelekile, izinkokhelo eziphakeme ngasekupheleni kwesikhathi sokukhokha imali mboleko zingahle zithikameze izimali zakho.
  • Uzokhokha kancane ngaphezulu ngempilo yemalimboleko ngokuqhathaniswa ne-Standard Repayment Plan.

Uhlelo Olunwetshiwe Lokukhokha

Izinhlelo Zokukhokha Ezandisiwe Neziphothuliwe

Uhlelo Lwenkokhelo Olunwetshiwe lukuvumela ukuthi welule isikhathi sokukhokha kuze kufike eminyakeni engama-25. Izinkokhelo zanyanga zonke zingalungiswa noma zithweswe iziqu futhi ngokuvamile zibe ngaphansi kunalezo ezitholakala Ohlelweni Lokubuyisela Okujwayelekile kanye Nohlelo Lokubuyisela Iziqu.

Kuhle kumuntu ofuna inkokhelo ephansi yanyanga zonke. Kodwa-ke, uzogcina ukhokha inzalo eningi kakhulu ngempilo yemalimboleko. Umuntu onemali ephezulu kodwa enezibopho ezinkulu zezezimali angakufuna lokhu uhlelo lokukhokha.

Funda Futhi:

buhle

  • Izinkokhelo eziphansi zanyanga zonke kune-Standard Repayment Plan ne-Graduated Repayment Plan, okwenza izimalimboleko zibe wumthwalo omncane njalo ngenyanga.
  • Izinkokhelo zanyanga zonke zingalungiswa noma ziphothulwe, okunikeza ukuguquguquka kokunquma.

bawo

  • Akuwona wonke umuntu ofanelekile. Kufanele ube ngaphezu kwe- $ 30,000 kumalimboleko aqondile aqondile.
  • Ngenxa yesikhathi eside sokukhokha, uzokhokha inzalo ethe xaxa ngempilo yemalimboleko, uma uyiqhathanisa nohlelo lokukhokha olufushane.

Izinhlelo Zokukhokha Ezandisiwe neziQedelwe NjengoMqondo Omubi

Izinhlelo Zokukhokha Ezandisiwe Neziphothuliwe

Uma isilinganiso sakho senzalo singaphezu kuka-5%, kungani ungelula imalimboleko bese uthola inzalo enkulu? Sebenzisa uhlelo lokukhokha olunwetshiwe noma oluqeqeshwe iziqu, kuleli cala, alunamasu, imvamisa alunalwazi nje.

Uma ulwela ukwenza izinkokhelo ezanele kwizimalimboleko zakho, kufanele ngabe usebenzisa inketho eqhutshwa yimali engenayo. Hlela ngokuxhasa kabusha imali?

Kufanele ube njalo UKUKHOKHISWA ngenxa ye imixhaso yenzalo. Uma umholo wakho uzohlala uphansi isikhathi eside, kufanele ukuthi usebenzise iPAYE futhi ukhokhe imali encane ngangokunokwenzeka.

Okukhathazayo ukuthi izinkokhelo ezenziwa ngohlelo lwembuyiselo Olunwetshiwe noma Oluthweswe Ngeziqu azibalwa ngasikhathi sinye. intethelelo yemalimboleko yabafundi.

Angikwazi ukukutshela ukuthi bangaki ababoleki abasebenzisa lolu hlelo ukuthola kuphela ukuthi benze iminyaka yokukhokha okungenasidingo.

Zibuze ukuthi uyafuna yini ukuphuma esikweletini ngelinye ilanga? Uma kunjalo, ungasebenzisi uhlelo lokukhokha Olunwetshiwe noma Oluthweswe Iziqu. Uma ungakwazi ukuthola izinga lokubuyisela imali lekhwalithi, sebenzisa uhlelo oluqhutshwa yimali engenayo.

Izinhlelo Zokukhokha Ezandisiwe Neziphothuliwe

Funda Futhi:

Ukuhlanganisa

Xhumana ne-servicer yakho ukushintshela ohlelweni lokukhokha olunwetshiwe noma olunwetshiwe. Ungashintsha izinhlelo zokukhokha nganoma yisiphi isikhathi.

Uma wenza kanjalo, noma iyiphi inzalo oyikweleta izofakwa osonhlamvukazi, noma ingezwe kubhalansi yakho. Lokhu kuzokhulisa imali oyikhokhayo.

Ekugcineni kwehlela kuwe ukuphinda unike imali noma uthole uhlelo lokukhokha oluqhutshwa yimali engenayo. Kukhona izindlela ezi-2 zokukhokha imali mboleko yabafundi.

Enye iwukubalwa kabusha kwezimali okunolaka okweminyaka emi-5 kuya kweyisi-7 futhi wenze ukukhokha kusengaphambili ukuze kungabi nesikweletu ngokushesha ngangokunokwenzeka.

Okwesibili ukunciphisa izinkokhelo ngaphansi kwenketho eqhutshwa yimali engenayo ngangokunokwenzeka bese ulondolozela ibhomu lentela lokuxolelwa isikhathi eside ngaphezulu kweminyaka engama-20-25. Ngakho-ke khetha ngokuhlakanipha.

Uma uthola lokhu okuthunyelwe kuwusizo kakhulu, wabelana ngalesi sixhumanisi futhi ubhalisele leli khasi.

Okuthunyelwe okufanayo

shiya impendulo

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