Ndingalisusa njani igama lam kwi-mortgage kunye ne-ex yam?
Olu khetho luxhomekeke kwizinto ezifana nenani leequity kwikhaya lomlingane, indlela eyathengwa kwaye yabizwa ngayo, ukuba umntu uyafuna na ukuhlala ekhaya, uqhawulo-mtshato, kunye namanqaku ekhredithi abo bonke ababandakanyekayo.
Ukuba awunayo ingeniso yokuhlawula i-mortgage ngokwakho, unokufumanisa ukuba umbolekisi we-mortgage akayi kuvuma imali-mboleko entsha yekhaya elinengeniso enye. Ngaphandle kokuba unokwandisa umvuzo wakho ngokukhawuleza, kusenokufuneka ulithengise ikhaya lomtshato.
Ukuba amanqaku akho etyala ehlile ukusukela oko uthe wathatha imali mboleko yakho yendlu ngoku, usenokungasakwazi ukufumana inkxaso-mali. Uyakwazi ukoyisa inqaku letyala eliphantsi ngokuphinda ukale ngokukhawuleza, kodwa impumelelo usebenzisa loo ndlela ayiqinisekanga.
Umzekelo, ukuba uye wakha ipesenti encinci ye-equity, i-refinance inokuthi ithintele okanye ingafumaneki. Ngethamsanqa, kukho iindlela zokubambisa ezinokukunceda ukuba umelane nokunqongophala kwexabiso le-net.
Noko ke, iqabane eliseleyo limele libonise ukuba belihlawula imali-mboleko yendlu ngokupheleleyo kwiinyanga ezintandathu ezidlulileyo. I-Refinance ye-Streamline ingcono kakhulu kwabo baye bahlukana ubuncinane ixesha elide.
Ukuba igama lam likwimali mboleko yeyam
Ukuba unendlu-mboleko edibeneyo kunye neqabane lakho, nina nobabini inxalenye yepropati. Oku kuthetha ukuba umntu ngamnye unelungelo lokuhlala kwipropati nokuba bohlukene. Kodwa nobabini niya kuba noxanduva lokuhlawula inxalenye yemali-mboleko ukuba omnye wenu uthatha isigqibo sokuhamba.
Ukuba wena neqabane lakho anivumelani ngento emele yenzeke kwikhaya lentsapho xa nihlukana okanye kuqhawulo-mtshato, kubalulekile ukuba nizame ukwenza izigqibo ngokungacwangciswanga okanye ngolamlo. Kuba ukuba iingxaki zakho ziya enkundleni kwaye inkundla kufuneka ithathele isigqibo ngawe, izinto zinokude kakhulu kwaye zibiza kakhulu.
Amagqwetha ethu oqhawulo-mtshato anokunceda ekusombululeni ukungavisisani phakathi kwakho nowakho wangaphambili. Siyaqonda ukuba ikhaya losapho lwakho linokuthetha lukhulu kuwe, ke siya kusebenza nawe ukufezekisa esona siphumo silungileyo kuwe nakusapho lwakho.
Uqhawulo-mtshato lixesha leemvakalelo kubantu abaninzi, kwaye uxinzelelo lokwahlulahlula zonke iimali owake wabelana ngazo lunokuba nzima ngakumbi. Sidwelise ezinye zeenketho zakho zokulawula imali yakho yokubambisa ngokudibeneyo ngexesha lokwahlukana:
Ukutshintsha kwamagama kwi-mortgage
Abarhwebi bethu bezindlu-mboleko baziingcali kwimigaqo-nkqubo yababolekisi abangaphezulu kwama-40, kubandakanywa iibhanki kunye neenkampani ezikhethekileyo zemali. Siyazi ukuba ngabaphi ababolekisi abaya kuvuma ukubambisa kwakho, nokuba kukuhlawulela uqhawulo-mtshato okanye ukuhlawula ityala.
Awukwazi "ukuthatha indawo" okanye uhoxise kwi-mortgage. Ngelixa kwamanye amazwe unokuthatha imali-mboleko yomnye umntu okanye unqumle umntu kwisivumelwano semali-mboleko, e-Australia oku akuvumelekanga.
Sikwanokufikelela kubabolekisi abakhethekileyo abanokuthi bathathele ingqalelo imeko yakho, nokuba zingaphi iintlawulo eziphosiweyo! Nangona kunjalo, kufuneka ubonise ukuba ukwazile ukuhlawula ezo mbuyiselo nokuba awuzenzanga.
“…Ukwazile ukusifumana ngokukhawuleza kunye nobuncinci bengxabano yemali mboleko ngexabiso lenzala elungileyo xa abanye besixelela ukuba kuya kuba nzima kakhulu. Ndichukumiseke kakhulu yinkonzo yabo kwaye ndingacebisa kakhulu iiNgcali zeMali mboleko kwixa elizayo”
“… benze isicelo kunye nenkqubo yolungiso lwaba lula kakhulu kwaye bangenaxinzelelo. Banikezela ngolwazi olucacileyo kwaye bakhawuleza ukuphendula kuyo nayiphi na imibuzo. Bezicace kakhulu kuzo zonke iinkalo zenkqubo.”
Amalungelo oKwahlula i-Mortgage edibeneyo
Izigqibo ezichazwe kwisivumelwano zinokukunceda okanye zikukhathaze ekugqibeni ukuba yimalini na indlu onokukwazi ukuyihlawula. Kubalulekile ukubala umvuzo wakho kunye neendleko eziqhubekayo, njengoko zinokuchaphazela ukuba unako ukuhlawula intlawulo kunye nendlu entsha. Ngokuxhomekeke kwimeko, kusenokufuneka uhlawule umrhumo wegqwetha, inkxaso yabantwana, isondlo somntwana, okanye ezinye iindleko.
Ukuba unoxanduva lokuhlawula nayiphi na ipropati ekhoyo onokuba nayo phambi koqhawulo-mtshato, oko kubandakanyiwe kwi-DTI yakho. Kwelinye icala, ukuba iqabane lakho liyithathile ipropati, umbolekisi wakho unokungayibandakanyi loo ntlawulo kwizinto ezikufaneleyo.
Xa isibini siqhawula umtshato, inkundla ikhupha umyalelo woqhawulo-mtshato (okwabizwa ngokuba sisigwebo okanye umyalelo) owahlulahlula imali, amatyala, nezinye izinto zomtshato waso ngokumisela oko mntu ngamnye anako nembopheleleko yakhe ukuyihlawula. Kungcono ukwahlula imali yakho kunye neemali zakho, kuba amanqaku akho ekhredithi kufuneka abonise ngokuchanekileyo imeko yakho yemali.
Umxholo wenkxaso yomntwana okanye izivumelwano ze-alimony nazo zibalulekile. Ukuba wenza iintlawulo kwi ex yakho, zibandakanyiwe kwityala lakho lenyanga. Kwelinye icala, ukuba unokubonisa ukuba ufumana iintlawulo zenyanga eziya kuqhubeka kangangexesha elithile, oku kunokunceda umvuzo wakho ofanelekileyo.
