Kwenzeka Ntoni Emva Kokuvalwa Kwezibhengezo
Ukuvala indlu ngumsebenzi onzima. Ukusuka ekupakisheni izinto zakho ukuya kwindawo yokuhlala kunye nokuqinisekisa ukuba onke amaxwebhu akho alungile, zininzi izinto omawuzenze. Ukwenza inkqubo yokuvala ilawuleke ngakumbi, yinto efanelekileyo ukuthatha ixesha lokuqonda amaxwebhu okuvala umthengi. Eli nqaku liza kukuhamba ngephepha oza kudibana nalo ukuze uphephe naziphi na izinto ezimangalisayo.
Ngaphambi kokuba uvale, kufuneka unike umbolekisi wakho ubungqina be-inshurensi yabaninikhaya. Ababolekisi bafuna ukuqiniseka ukuba ikhaya likwi-inshurensi, ngoko ke utyalo-mali lwabo lukhuselekile ukuba kukho into eyenzekayo ekhayeni. Uya kufuneka uqhagamshelane nenkampani yakho ye-inshurensi iintsuku ezimbalwa ngaphambi kokuba uvale ukuze uqinisekise ukuba baneenkcukacha ezichanekileyo kwikhaya kwaye unokubonelela ubungqina be-inshurensi kumbolekisi.
Isiteyitimenti sokuvala sichaza yonke imiqathango yemali-mboleko, ukuze wazi kakuhle into oza kuyifumana xa usayina i-mortgage. Ngokomthetho, abathengi bezindlu kufuneka bafumane ikopi yoLwazi lokuVala ubuncinane iintsuku ezi-3 ngaphambi kokuvala.
Ulwazi lokuVala lokuqala vs. Ulwazi lokuvala lokuGqibela
Ukuba ucinga ngokuthenga ikhaya, ukufaka isicelo semali mboleko kunokubonakala kungumsebenzi onzima. Kuya kufuneka unikezele ngolwazi oluninzi kwaye ugcwalise iifom ezininzi, kodwa ukulungiswa kuya kunceda inkqubo ukuba ihambe kakuhle ngokusemandleni.
Ukujonga ukufikeleleka yinkqubo eneenkcukacha ezininzi. Ababolekisi bathathela ingqalelo zonke iindleko zendlu yakho kunye neendleko, kunye nalo naliphi na ityala elinjengemali mboleko kunye namakhadi okuthenga ngetyala, ukuqinisekisa ukuba unokwaneleyo okushiyekileyo ukuze uhlawule iintlawulo zakho zenyanga.
Ukongeza, baya kwenza itshekhi yekhredithi kunye ne-arhente yereferensi yekhredithi emva kokuba ufake isicelo esisemthethweni sokujonga imbali yakho yemali kunye nokuvavanya umngcipheko onokuthi ubandakanyeke ekubolekeni kwakho.
Phambi kokuba wenze isicelo semali mboleko, qhagamshelana nee-arhente ezintathu eziphambili zezalathiso zetyala kwaye ujonge iingxelo zakho zamatyala. Qinisekisa ukuba akukho lwazi lungalunganga ngawe. Ungakwenza oku kwi-intanethi, nokuba kungenkonzo yorhumo oluhlawulelwayo okanye enye yeenkonzo zasimahla ze-intanethi ezikhoyo ngoku.
Ezinye ii-arhente zihlawulisa umrhumo ngeengcebiso, ukufumana ikhomishini kumbolekisi, okanye indibaniselwano yazo zombini. Baya kukwazisa ngeentlawulo zabo kunye nohlobo lwenkonzo abanokukunika yona kwintlanganiso yakho yokuqala. Abacebisi bangaphakathi kwiibhanki kunye neenkampani zokuboleka imali azidli ngokuhlawulisa ngeengcebiso zabo.
3-Day Rule Disclosure Ukuvalwa
Kukho amaziko ahlukeneyo emali anikezela ngemali mboleko kubantu abathenga ikhaya, umzekelo, iinkampani zokuboleka imali kunye neebhanki. Kuya kufuneka ufumanise ukuba ungayithabatha na imali-mboleko kwaye, ukuba kunjalo, yimalini (ukufumana ulwazi malunga nezindlu zokubambisa, bona icandelo le-Mortgages).
Ezinye iinkampani zokubambisa zibonelela abathengi ngesatifikethi esichaza ukuba imali-mboleko iya kufumaneka ukuba nje ipropati iyanelisa. Ungasifumana esi satifikethi phambi kokuba uqalise ukukhangela ikhaya. Iinkampani ezithengisa izindlu nezindlu zibanga ukuba esi satifikethi sinokukunceda ukuba umthengisi amkele isithembiso sakho.
Uya kufuneka uhlawule idiphozithi ngexesha lokutshintshiselana kwezivumelwano, iiveki ezimbalwa ngaphambi kokuba ukuthengwa kugqitywe kwaye imali ifunyenwe kumbolekisi we-mortgage. Idiphozithi idla ngokuba yi-10% yexabiso lokuthenga ikhaya, kodwa inokwahluka.
Xa ufumana ikhaya, kufuneka ulungiselele ukujonga ukuze uqiniseke ukuba yiloo nto oyifunayo kwaye ufumane ingcamango yokuba kuya kufuneka uchithe imali eyongezelelweyo kwikhaya, umzekelo ukulungiswa okanye ukuhlobisa. Kuqhelekile ukuba umntu onokuba ngumthengi andwendwele indawo kabini okanye kathathu ngaphambi kokuba enze isigqibo sokwenza umnikelo.
Ndingayifumana njani ikopi yamaxwebhu am okuvala?
Ngomhla wesi-3 ku-Okthobha ka-2015, umthetho we-mortgage othi “Yazi Phambi Kokuba Unetyala” uqala ukusebenza. Enye yeemfuneko ezibalulekileyo zalo mthetho kuthetha ukuba uya kufumana uxwebhu lwakho lokuvala olutsha, olusebenziseka lula, i-Closing Disclocation, iintsuku ezintathu zokusebenza phambi kokuba kuvalwe. Oku kuya kukunika ixesha elingakumbi lokuqonda imigaqo kunye neendleko ze- mortgage yakho, ngoko uyazi ukuba yintoni otyala yona ngokukhawuleza.
Ukunika iintsuku ezintathu zokusebenza ukuba uphonononge ukuDiza kwakho okuVala phambi kokuba usayine kumgca onamachokoza kuyilelwe ukukukhusela kwizinto ezothusayo kwitafile yokuvala. Kwakhona kukunika ixesha lokubonisana negqwetha lakho okanye umcebisi wezindlu kwaye ubuze nayiphi na imibuzo onokuba nayo malunga nemiqathango yemali mboleko yakho.
Nangona kunjalo, kukho izinto ezininzi ezinokutshintsha kwiintsuku ezikhokelela ekuvaleni okungayi kufuna ixesha elitsha lokuphononongwa kweentsuku ezintathu, kubandakanywa ii-typos kwiifom, imiba efunyenwe kwi-walkthrough, kunye neenguqu ezininzi kwiintlawulo ezenziwe xa kuvalwa, kubandakanywa. utshintsho olufuna iikhredithi zomthengisi.
Sikwathumele ileta kumalungu eNkongolo echaza ukuba ukongamela kwethu ukuphunyezwa komgaqo othi "Yazi Phambi Kokuba Unetyala" (okwaziwa ngokuba yi-TILA-RESPA Integrated Disclosure Rule) iya kuba nobuntununtunu kwinkqubela phambili eyenziwe ngala maqumrhu athe anikezela ngetyala. igxile ngokuthe ngqo ekwenzeni iinzame zokholo zokuthobela umgangatho kwangexesha. Siye sathetha nabalingane bethu bolawulo ukucacisa le ndlela. Oku kuhambelana nendlela yethu yokunyanzelisa iSihlokwana XIV semithetho yemali mboleko.
