Ngaba isohlwayo sentlawulo yekhadi sijongwa njengenzala?
Ukuba unako ukuhlawula imali-mboleko yakho kwangoko, uya konga imali kwinzala kwimali-mboleko yakho. Ngapha koko, ukulahla imali mboleko yakho yendlu kunyaka nje okanye emibini kwangoko kunokukongela amakhulu okanye amawaka eedola. Kodwa ukuba ucinga ukuthatha loo ndlela, kuya kufuneka uqwalasele ukuba ngaba kukho isohlwayo sentlawulo yangaphambili, phakathi kweminye imiba enokubakho. Nazi iimpazamo ezintlanu onokuziphepha xa uhlawula imali yakho yokubambisa kwangethuba. Umcebisi wezezimali unokukunceda ukuba ubone iimfuno zakho kunye neenjongo zokubambisa imali.
Abaninimzi abaninzi bangathanda ukuba namakhaya abo kwaye bangabi naxhala malunga neentlawulo zenyanga zindlu. Ke kwabanye abantu kunokuba kufanelekile ukujonga umbono wokuhlawula imali mboleko yakho kwangoko. Oku kuya kukuvumela ukuba unciphise inzala oza kuyihlawula ngexesha lemali-mboleko, ngelixa kukunika ithuba lokuba ngumnini opheleleyo wekhaya ngokukhawuleza kunokuba bekulindelwe.
Kukho iindlela ezininzi ezahlukeneyo zokuhlawula kwangaphambili. Eyona ndlela ilula kukwenza ngokulula iintlawulo ezongezelelweyo ngaphandle kweentlawulo zakho zesiqhelo zenyanga. Logama nje le ndlela ingenzi ntlawulo eyongezelelweyo evela kumbolekisi wakho, ungathumela iitshekhi ezili-13 ngonyaka endaweni ye-12 (okanye i-intanethi elingana nale). Unako kwakhona ukunyusa intlawulo yakho yenyanga. Ukuba uhlawula ngaphezulu kwinyanga nganye, uya kuyihlawula yonke imali-mboleko ngaphambi kokuba ubulindele.
Sixabisa malini isohlwayo sentlawulo yangaphambili?
Akukho mvakalelo ingcono kumninimzi kunokuhlawula imali-mboleko yakhe. Awugcini nje ukuphelisa eyona nkcitho yakho inkulu, kodwa unokubeka ezo mali kumhlalaphantsi, elinye ityala, okanye into eyonwabisayo. Yiyo loo nto abaninzi abanini bezindlu benza iintlawulo zenqununu ezongezelelweyo ukuze balahle imali yabo yokuboleka imali ngokukhawuleza.
I-Consumer Financial Protection Bureau ichaza isohlwayo sentlawulo yangaphambili njengentlawulo ehlawuliswa ngabanye ababolekisi ukuba uyihlawule kwangoko imali-mboleko yakho. Gcina ukhumbula ukuba umboleki osebenzisa intlawulo yemali-mboleko ngamaxesha athile kwi-mortgage yakhe okanye ayihlawule ngokupheleleyo uthintela umbolekisi ekubeni afumane umvuzo wenzala. Umbolekisi osebenza naye kufuneka akwazise ngale mali phambi kokuba uvale ukuthenga kwakho ikhaya.
Izohlwayo zentlawulo yangaphambili zaziqhelekile kwizindlu zokubambisa de kwaba kukuwohloka kwezindlu ngo-2008. Nangona ezi ntlawulo zingaxhaphakanga namhlanje, usenokufumana umbolekisi ozihlawulisayo. Ungazigcinela amawaka eedola kwiindleko ezingeyomfuneko ngokuqaphela naziphi na izohlwayo zokuhlawula kwangaphambili kwimali-mboleko yakho kunye neziphumo eziza nayo.
Ngawaphi amaZwe avumela iZohlwayo zeNtlawulo
Inzala ephantsi, imfuno yemali eyongezelelekileyo, okanye utshintsho kubomi bakho bobuqu kunokukunyanzela ukuba waphule imali yakho yokubambisa. Kukho izohlwayo, kodwa ngamanye amaxesha ukutshintsha kunokonga imali.
Ukuba unendlu kwaye ucinga ukuyithengisa, okanye ufuna ukuyixhasa ngemali kwakhona ukuze ufumane inzala ephucukileyo, kusenokwenzeka ukuba kuya kufuneka uhlawule imali-mboleko yakho. Ngelishwa, kuya kufuneka uhlawule isohlwayo ngokwenza oko, kodwa ngokwenene kunokukunceda. Oku kufuneka ukwazi.
Xa usayina isivumelwano se-mortgage, uyavumelana neshedyuli yentlawulo engqongqo kwixesha elithile. Ukuba ufuna ukuyitshintsha loo migaqo kwangethuba okanye uphume kwikhontrakthi ngokupheleleyo, wophula imali yakho yokubambisa. Nangona ukophula i-mortgage kuthwala iindleko, kunokuba sengqiqweni kuxhomekeke kwimeko yakho.
Xa abaninimzi bethatha imali-mboleko, ngokuqhelekileyo abacwangcisi ukwaphula isivumelwano. Oko kwathiwa, izinto ezininzi zinokwenzeka ngexesha lesivumelwano sakho esikunyanzela ukuba uyaphule. Ngamanye amaxesha kwenzeka isiganeko sobomi. Ngamanye amaxesha, utshintsho lunokongela imali.
ISibali seSibonelelo se-Mortgage se-Prepayment
Uninzi lwababolekisi-mali lunciphisa isixa sentlawulo yangaphambili evumelekileyo ngonyaka. Ngokubanzi, isixa-mali se-prepayment ayinakugqithiswa ukusuka komnye unyaka ukuya komnye. Oku kuthetha ukuba, ngokubanzi, awukwazi ukongeza kulo nyaka umiyo isixa ongakhange usisebenzise kwiminyaka edlulileyo.
Indlela esibalwa ngayo isohlwayo sentlawulo yekhadi iyahluka ukusuka kumbolekisi ukuya kumbolekisi. Amaziko emali alawulwa ngokusemthethweni, afana neebhanki, anesixhobo sokubala isohlwayo sentlawulo ehlawulwa kwangaphambili kwiwebhusayithi yabo. Ungandwendwela iwebhusayithi yebhanki yakho ukuze ufumane uqikelelo lweendleko zakho.
Ukubalwa kwe-IRD kunokuxhomekeka kwizinga lenzala yekhontrakthi yakho yokubambisa. Ababolekisi bapapasha amaxabiso enzala ngokwemigaqo yemali-mboleko efumanekayo kubo. Ezi zinto zibizwa ngokuba ngamazinga enzala apapashiweyo. Xa utyikitya isivumelwano sakho semali-mboleko, inzala yakho ingaba phezulu okanye ibe ngaphantsi kunoko kupapashiweyo. Ukuba izinga lenzala lisezantsi, libizwa ngokuba lixabiso elithotyiweyo.
Ukubala i-IRD, umbolekisi wakho usebenzisa imilinganiselo yenzala emibini. Babala inzala epheleleyo oshiye ukuyihlawula kwixesha lakho langoku kuzo zombini iindidi. Umahluko phakathi kwezi zixa-mali yi-IRD.
