i-tilbakemelding
Ukungahlawuli imali yakho yokubambisa kunokuba neziphumo ezibi kwezemali, kodwa ngokuqhelekileyo awuzukujongana nabo xa uphoswa yintlawulo yakho yokuqala yokubambisa. Emva kwayo yonke loo nto, ababolekisi bahlala befuna ukuba uhlale ungumthengi wabo, ngakumbi ukuba unembali yokuhlawula ngexesha. Nangona kunjalo, ukuba kuyacaca ukuba awukwazi okanye awufuni ukuhlangabezana neentlawulo zakho ze-mortgage, kukho inkqubo ababolekisi abaya kuyilandela enokukhokelela ekuthengisweni kwepropati yakho.
Ke ukuba ucinga ukuba awuzukwazi ukuhlawula imali-mboleko yakho yenyanga, kusoloko kungcono ukuba usebenze kwaye uqhagamshelane nombolekisi wakho kwangethuba ukubona ukuba ungazilungisa na izinto. Ukuba awenzi njalo, kukho imiphumo eqhelekileyo oya kujongana nayo ngenxa yokungahlawuli imali yakho yokubambisa.
Ukuba awuyihlawuli imali yakho yokubambisa, uya kufumana isaziso sokuba ushiywe lixesha kwaye kufuneka uhlawule. Ukuba awukwazi ukuhlawula ngokukhawuleza, kufuneka uqhagamshelane nebhanki yakho rhoqo ukuze ubazise ngemeko yakho kwaye ubone ukuba sesiphi isivumelwano onokufikelela kuso.
Nje ukuba imbuyekezo yakho ifike emva kweentsuku ezili-14, uninzi lwababolekisi-mali luya kuyixela kumaziko amathathu amakhulu etyala: i-Illion, i-Experian, kunye ne-Equifax. Ekubeni imbali yakho yentlawulo yenye yezinto ezimisela inqaku lakho letyala, ukuba awuyihlawuli imali yakho yokubambisa, inqaku lakho lekhredithi liya kuchaphazeleka. Amanqaku asezantsi etyala anokuchaphazela ukukwazi kwakho ukufumana imali kwixa elizayo.
Kuthekani ukuba awukwazi ukuhlawula i-reddit yakho yokubambisa
UMiriam Caldwell uye wabhala malunga nohlahlo lwabiwo-mali kunye neziseko zemali zomntu ukususela ngo-2005. Ufundisa ukubhala njengomqeqeshi we-intanethi kunye ne-Brigham Young University-Idaho, kwaye ungumfundisi wabafundi bezikolo zikarhulumente e-Cary, North Carolina.
UPeggy James yingcali kwi-accounting, kwimali yeshishini, nakwizemali zobuqu. Ungumgcini zincwadi zemali oqinisekisiweyo ongumnikazi wefemu yakhe yogcino-zincwadi, esebenzela amashishini amancinci, angenzi nzuzo, abanikazi bodwa, abazimeleyo, kunye nabantu ngabanye.
Ukuwa ngasemva kwiintlawulo zakho zokubambisa kwahlukile ekungayihlawulini irenti yakho, kuba oko kunokuba nefuthe elikhulu kumanqaku akho etyala. Ungalibeka emngciphekweni ikhaya lakho ukuba awukwazi ukuhlawula ityala. Nangona kunjalo, unokhetho oluninzi: ukusuka kwisivumelwano sonyamezelo, esinokukunika ixesha lokulungisa izinto, ukuya kwisenzo- endaweni yokuvala ukuba awukwazi ukugcina imeko.
Qhagamshelana nenkampani yakho yokubambisa ngoko nangoko ukuze ufumanise ukuba kukho naziphi na iinkqubo ezikhoyo ezinokukunceda. Usenokufanelekela ukucuthwa intlawulo okwexeshana okanye uhlawulwe kwakhona ngentlawulo ephantsi, kuxhomekeke kwindawo ohlala kuyo nokuba usemva kwimali-mboleko yakho.
Kwenzeka ntoni ukuba awuyihlawuli imali yakho yokubambisa ngaphambi kokuba ufe?
Uphawu olubomvu nolumhlophe oluthi “Ukuvalwa, indlu ethengiswayo” phambi kwendlu yamatye neyeplanga ethi … [+] ithintelwe liziko lezemali. Ingca eluhlaza kunye nezihlahla zibonisa ixesha lentwasahlobo okanye ihlobo. Iveranda yangaphambili kunye neefestile ngasemva. Iingqikelelo zokudakumba kwezoqoqosho, ukudodobala koqoqosho kunye nokungabinamali.
I-mortgage sisivumelwano sokuhlawula umbolekisi ngokuboleka imali oyisebenzise ukuthenga indlu. Ngokusayina amaxwebhu okubambisa xa uvala, uyavuma ukubuyisela umbolekisi isixa esithile semali nyanga nganye kangangenani elithile leminyaka.
Xa usilela kwityala lakho lokubambisa, waphula imiqathango yeso sivumelwano kwaye umbolekisi wakho unelungelo lokubhena. Kule meko, oko kuthetha ukuba unelungelo lokuvala ikhaya lakho ukuze uzame ukubuyisela utyalo-mali lwakho.
Kuya kufuneka kuqatshelwe ukuba abanye ababolekisi bazirhoxisile iinkqubo zokuthinjwa kwabo ngenxa yeCoronavirus. Noko ke, ezo nqumamo zezokwexeshana. Ukuba uyayeka ukuhlawula imali mboleko yakho, ukuvalwa kwendawo kuhlala kuyinto enokwenzeka.
Ndiphelelwe ngumsebenzi kwaye andikwazi ukuhlawula imali mboleko
I-Home Equity Loans kunye neHome Equity Lines of Credit (HELOCs) ziindlela ezifikelelekayo zokwandisa ixabiso lekhaya ukwenza uphuculo, ukuhlawula imfundo, kunye nokuhlawula amakhadi okuthenga ngetyala okanye ezinye iintlobo zetyala ezinenzala ephezulu.
Ezi zixhobo zetyala zikhuselwe yipropathi yakho kwaye zinenzala ephantsi yenzala kunemali-mboleko engakhuselekanga. Kodwa kuthekani ukuba ufumanisa ukuba awukwazi ukuhlawula i-HELOC okanye i-home equity loan?
Ngaphambili, inzala ebihlawulwe kwezi mboleko ibitsalwa irhafu. Nangona kunjalo, phantsi kweTax Cuts and Jobs Act (TCJA), inzala itsalwa kuphela ukuba loo mboleko "isetyenziselwa ukuthenga, ukwakha, okanye ukuphucula kakhulu ikhaya lomhlawuli werhafu ofumana imali mboleko," njengoko kubonisiwe yiNkonzo yeRhafu. IRS).
Kukho iintlobo ezimbini zezixhobo zetyala ezisetyenziselwa ukuguqula i-equity yekhaya ibe yimali ekhoyo. Eyokuqala yimali mboleko yezindlu (maxa wambi eyaziwa ngokuba yimali mboleko yesibini), equka isixa semali exhaswe ngemali kangangexesha elithile (ngokuqhelekileyo iminyaka emihlanu ukuya kwelishumi elinesihlanu) ngexabiso lenzala emiselweyo kunye nentlawulo emiselweyo.
