Ngaba imali-mboleko yam iya kuvunywa?
Ngokwesiqhelo unokufumana impendulo malunga nokufaneleka kwakho - okwaziwa ngokuba yi-mortgage preapproval - simahla phakathi kweentsuku ezi-1-3. Ngaloo ndlela uya kuyazi ngokuqinisekileyo ukuba yeyiphi na inkqubo (ii) mboleko ofanele ukuyifumana kunye nokuba yimalini onokuyiboleka ukuze uthenge ikhaya lakho.
Umbolekisi uya kucela ukujongwa kwakhona kweengxelo zakho zekhredithi kwii-arhente ezinkulu zokunika ingxelo ngekhredithi ukuqinisekisa ukuba amanqaku akho ekhredithi akatshintshanga ukususela ekuvunyweni kwangaphambili. Nangona kunjalo, ukuba ikhredithi yakho iqhutywe ngexesha lokuvunywa kwangaphambili kwaye ingaphantsi kweentsuku ezingama-90 ubudala, ukutshekisha okongeziweyo kwekhredithi akuyi kufuneka.
"Emva kokuvunywa kokuqala, kungakhathaliseki ukuba ingakanani ingxelo yekhredithi, i-recheck ethambileyo ihlala isenziwa ukuqinisekisa ukuba akukho nto itshintshileyo," utshilo uJon Meyer, ingcali yokuboleka imali kwi-Mortgage Reports kunye ne-MLO enelayisensi.
Umnikezeli-mali-mboleko uya kuphinda akujonge ukufaneleka kwakho kwityala kwaye athathele ingqalelo naluphi na utshintsho kwimbali yakho yetyala, njengokuvula amakhadi amatsha okuthenga ngetyala, ukuthatha imoto okanye imali mboleko yabafundi, amatyala enyanga amatsha, okanye iintlawulo zamatyala angekahlawulwa.
Kunzima ukufumana ireddit yokubambisa
Ukuba ucinga ngokuthenga ikhaya, ukufaka isicelo semali mboleko kunokubonakala kungumsebenzi onzima. Kuya kufuneka unikeze ngolwazi oluninzi kwaye ugcwalise iifom ezininzi, kodwa ukulungiswa kuya kunceda inkqubo ukuba ihambe kakuhle kangangoko.
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.
Andikwazi kufumana mboleko yezindlu, ndingenza ntoni?
Inzala yemali-mboleko yendlu isondele kwixesha eliphantsi, nto leyo eyenza ibe lixesha elifanelekileyo lokufaka isicelo semali mboleko yendlu. Nangona kunjalo, ngelixa kufikeleleka ngakumbi ukufumana imali-mboleko ngoku kunanini na kwimbali yamva nje, kuya kuba nzima ngakumbi ukuvunyelwa enye.
Ababolekisi bafuna ukwazi ukuba uya kukwazi ukuhlawula imali-mboleko yendlu. Kwaye eyona ndlela ilungileyo yokumisela oku kukuhlola imbali yengeniso yakho. Ngokukodwa, ababoneleli-mali mboleko yezindlu baya kufuna ukubona ukuba usebenzele umqeshi omnye ubuncinci iminyaka embalwa kwaye umvuzo wakho uhleli ngokulinganayo (okanye unyuke kancinci ngokuhamba kwexesha).
Ukuba usanda kufumana umsebenzi kwiinyanga ezimbini ezidlulileyo, ukuba utshintshe iinkampani izihlandlo ezihlanu kwiinyanga ezintandathu ezidlulileyo okanye ukuba umvuzo wakho awulingani, oku kuya kuba yiflegi ebomvu enkulu kubabolekisi abanokukhokelela ekukhanyeni imali mboleko.
Ababolekisi baya kukubuza iimbuyekezo zakho zerhafu zangaphambili kwaye bahlawule i-stubs ukuvavanya ukuba umvuzo wakho unokuhlala uzinzile ekuhambeni kwexesha ukuze ukwazi ukuyihlawula imali-mboleko. Basenokufuna ubungqina obuvela kumqeshi wakho wangoku ukuba ngokwenene unomsebenzi kunye nabo. Ukuba awukwazi ukungqina ukuba umvuzo wakho uzinzile kwaye unomsebenzi wangoku, ungancamisa amathuba akho okufumana i-mortgage goodbye.
Kutheni kunzima kangaka ukufumana imali-mboleko namhlanje?
Xa uthenga ikhaya, umqobo wokuqala owoyisayo kukukholisa umbolekisi wezindlu ukuba abeke imali efunekayo. Nangona inkqubo yemvume yokubolekwa kwezindlu isenokubonakala ilula, inyaniso yeyokuba mininzi imiqobo enokukuthintela ekufumaneni inkxaso-mali oyifunayo.
Enyanisweni, ngokutsho kwe-Bankrate, i-30% yezicelo ze-mortgage zaliwe. Nangona kunjalo, isilumkiso sixhobile, ke sinethemba lokuba ezi ngcebiso ziluncedo ukuba ujoyine abonwabileyo abangama-70% abahamba ngesikhephe kakuhle.
I-FICO, ehlala yoyikwa kodwa isifinyezo esingaqondakaliyo, imele iFair Isaac Corporation, eneneni yenye yeenkampani ezininzi ezibonelela ngesoftware yokubala amanqaku akho etyala. La manqaku axelwa ngamaziko amathathu ahlukeneyo okuthenga ngetyala: Equifax, TransUnion, kunye ne-Experian.
Ababolekisi bezindlu zokuhlala babala amanani aphumayo ukuze bafumane umgangatho wokulinganisa apho bazimisele ukuqala ukuthetha ne-turkey. Nangona, kwixesha elidlulileyo, nababoleki abanamanqaku etyala ahlwempuzekileyo (ngokuqhelekileyo <ama-640) babekwazi ukufumana imali-mboleko yokubambisa, le yi-fiasco eyavelisa igama elithi "subprime mortgage crisis" (i-subprime ibhekisela kumanqaku ekhredithi yomboleki). Namhlanje, udinga i-avareji amanqaku ubuncinane 680, kwaye 700+ yeyona ilungileyo. Nazi ezinye iingcebiso zokwandisa amanqaku akho ekhredithi.
