Ikhatyhuleyitha yokuba kunokwenzeka ukuhlawula amatyala amabini okubambisa
Okona kubaluleke kakhulu, kufuneka uhlale kwikhaya lakho leholide ubuncinci isiqingatha sonyaka. Ngaphandle koko, ibalwa njengepropathi yotyalo-mali - hayi ikhaya lesibini - kwaye kuya kufuneka uhlangabezane neemfuno ezahlukeneyo zokubambisa.
Ngokomzekelo, ukuba inqaku lakho lekhredithi lilungile kwi-640, unokuvunyelwa ukuba ufumane intlawulo ephezulu. Okanye, ukuba unesixa esikhulu setyala-kwingeniso, unokulihlawula ngamanqaku abalaseleyo etyala kunye neenyanga ezili-12 zokugcina imali ebhankini.
Kwiimeko ezininzi unokuthenga ikhaya eliphambili ngentlawulo eyi-3% kuphela. Kodwa ufuna ubuncinci i-10% yentlawulo ephantsi ukuze uthenge ikhaya leholide, kwaye ukuba ukuphumla kwesicelo sakho sinamandla kakhulu (amanqaku aphezulu, amatyala aphantsi, njl. njl.).
Ukuba unamanqaku aphantsi okuthenga ngetyala okanye umlinganiselo ophezulu wetyala-kwingeniso, umboleki-mali wakho wokuthenga ngendlu unokufuna ubuncinci i-20% yentlawulo ephantsi kwikhaya lesibini. Intlawulo ephantsi ye-25% okanye ngaphezulu inokwenza kube lula ukufumana imali mboleko eqhelekileyo.
UFannie Mae ubeka i-FICO yakhe encinci kwi-620 kwiimali-mboleko zokuthenga ikhaya lokuqala. Kodwa imali-mboleko yendlu yesibini exhaswa nguFannie Mae ifuna awona manqaku asezantsi etyala angama-640, kwaye loo nto ngama-25% entlawulo esezantsi kunye ne-36% ye-DTI.
Uvunywa njani kwiimali zokubambisa ezi-2
Kukho imigaqo eyahluka-hlukeneyo yokuxhasa ngemali izindlu zeeholide kunepropati ohlala kuyo.Siza kubala umlinganiselo ofanelekileyo phakathi kwe-Ioan kunye nexabiso kunye nokufikeleleka kwepropati yakho oyifunayo ngexesha lokubonisana.
Iirhafu kunye nemirhumo inokusebenza xa uthenga okanye uthengisa ikhaya lakho leholide, umzekelo Impembelelo kwirhafu yengeniso yakho Ukuba unekhaya leholide, abasemagunyeni berhafu bongeza ixabiso eliqikelelweyo lerenti kumvuzo wakho. Eli xabiso libaliweyo lokurenta lirhafiswa kwicanton apho ipropati ikhona. Ukuba urenta ikhaya lakho leholide, ingeniso yerenti yongezwa kumvuzo wakho endaweni yexabiso lerenti elibaliweyo. Nangona kunjalo, inzala yemali-mboleko kunye neendleko zolondolozo ziyaxhuzulwa.
Ukukhetha ukuxhasa ngemali Amakhaya eholide ahlala athengiswe kwakhona phambi kokuba umnini-ndawo ahlale. Gqiba kwangaphambili ukuba ufuna ukusebenzisa ixesha elingakanani kwikhaya lakho leholide. Kudla ngokuba sengqiqweni ngakumbi ukuya kwixesha elifutshane lokubambisa, ngokungathi uthengisa ipropati ngaphambi kokuba imali-mboleko yokubambisa ihlawulwe, ekugqibeleni uya kuhlawula iindleko ezongezelelweyo kunye neentlawulo. Izindlu ezinabanikazi. Siza kukunceda ngokukunika ulwazi oluhlaziyiweyo kwimarike yezindlu nezindlu.Inkxaso-mali echanekileyo iya kuba yindibaniselwano yemali-mboleko enemiqathango eyahlukeneyo kunye nenzala ekulungela wena kunye neenjongo zakho.Yeyiphi imali yokubambisa endifanele?
Ndingayifumana enye imali-mboleko yendlu yesibini?
Phantse iikota ezintathu zezigidi zemizi eNgilani zinekhaya lesibini, malunga nesiqingatha sesigidi e-UK, ngokutsho kwamanani asemthethweni.Ukuba ucinga ukuthenga ipropati yesibini, kukho izinto ezininzi ekufuneka uziqwalasele kuqala. .
Iphezulu idipozithi onokuthi uyibeke phantsi, isezantsi inzala oza kuyifumana kwi-mortgage, ngoko kuya kufuneka uhlawule imali encinci iyonke. Kungcono ukuba nediphozithi enkulu kangangoko kunokwenzeka.
Konke kuxhomekeke kwiimeko zakho, ukuba yimalini oyichithayo kwipropati, uphando olwenzileyo kunye nento oceba ukuyenza ngepropati ukuze ubone ukuba lutyalo-mali olulungileyo. Unokufunda ngakumbi malunga notyalo lwezindlu nomhlaba apha.
Kodwa unokuyibona njengendlela yokutyala imali kwiiholide zakho ezizayo kunye nento oza kuyithengisa kwixesha elizayo. Ukuba uyazibuza ukuba kusekho ixesha elifanelekileyo lokutyala imali kwipropati, khangela inqaku lethu apha.
I-mortgage yekhaya nayo ifanelekile ukuqwalasela ukuba uba "ngumninimzi ngengozi." Usenokuba unepropati ulilifa kodwa sele unendlu engundoqo, okanye unokuba nobunzima bokuthengisa ikhaya lakho kwaye unyanzeleke ukuba ulirente.
Yiba neemali mboleko ezimbini kwaye urente enye
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
