Izibophelelo zomqinisekisi
Siyazi ukuba iimali-mboleko eziqinisekisiweyo zinokuhlala ukuya kutsho kwiminyaka emi-5 (iinyanga ezingama-60) kwaye phakathi usenokugqiba kwelokuba awufuni kuqhubeka nokuthatha inxaxheba okanye awusenabudlelwane obuhle nomntu omqinisekisayo. Nangona kunjalo, xa sele ungumqinisekisi wabo, awukwazi ukutshintsha oku.
Ngelishwa akunjalo. Isizathu sokuba ungakwazi ukususwa kwisivumelwano semali-mboleko kukuba umntu oqinisekisa imali-mboleko udlala indima ebaluleke kakhulu kwinkqubo yesicelo. Imbali yetyala lomntu, ukukwazi kwakhe ukuhlawula, ubume bakhe bengqesho, iminyaka yakhe kunye nendawo akuyo zizinto eziphembelela ukuvunywa kwemali-mboleko, isixa sayo kunye nobude bayo. Ukuba utshintshwa ngomnye umntu, basenokungabi naziqinisekiso ezifanayo kwaye oku kungatshintsha umngcipheko wombolekisi.
Hayi, njengoko kuchaziwe ngasentla, ukwamkelwa kwemali mboleko kunye nesixa onokuthi usiboleke sisekelwe kwitshekhi yangasemva ye-guarantor. Ke, ukuba ubunokutshintshela komnye umntu, unokuba nemo yengqesho eyahlukileyo, imbali yetyala, kunye nokufikeleleka, ke ukuba ibingumntu oqinisekisayo kuqala, bebeya kuba nemigaqo-mboleko eyahlukileyo okanye bebengafumani nkxaso-mali ekuqaleni.
Indlela yokususa isiqinisekiso semali mboleko yemoto
Umzekelo – IBhanki kaMama noTata UJoe wenza isicelo senkxaso-mali yesithuthi ngemvume yabazali bakhe uMike noBetty. Kwiinyanga ezisithoba kamva, uJoe uyayeka ukubhatala. UMike noBetty bafunwa ngumbolekisi-mali ukuba bahlawule imali-mboleko yemoto kaJoe kunye nemali-mboleko yobuqu ababengayazi. UMike uzama ukufaka ibango, kodwa umbolekisi uthi “ziimfanelo zonke” eziqinisekisa onke amatyala kaJoe. UBetty ufaka isikhalazo ngenkqubo yokusombulula ingxabano yombolekisi, efumanisa ukuba umbolekisi akazange axelele uMike noBetty malunga nemboleko-mali yobuqu okanye babonise ukuba banokuqinisekisa eli tyala litsha. Inkqubo iyalela umbolekisi ukuba arhoxise isibambiso. Oku kuthetha ukuba uMike noBetty kufuneka baqhubeke beyihlawula imali-mboleko yemoto, kodwa hayi imali-mboleko kaJoe.
Iingxaki zentlawulo1. Qhagamshelana nombolekisi Ukuba umbolekisi wenze ngokungenabulungisa, unokukwazi ukutshintsha okanye ukurhoxisa isibambiso sakho. Ngaphambi kokuba uqhagamshelane, funda ulwazi lwethu: Umcebisi wezezimali wasimahla unokukunceda ukuba uqhagamshelane okanye uthethe nombolekisi wakho. Qala ngokuqhagamshelana nomnxeba woncedo ongahlawulelwayo weMoneyTalks. Iinkcukacha zoQhagamshelwano (ikhonkco langaphandle) – MoneyTalks
Umngcipheko womqinisekisi
Injongo yethu kukwenza iwebhusayithi yethu ifikeleleke kangangoko kunokwenzeka. Nangona kunjalo, ukuba usebenzisa isifundi sesikrini kwaye ufuna iingcebiso ngetyala, kunokuba lula kuwe ukuba usitsalele umnxeba. Inombolo yethu yefowuni ithi 0 8 0 0 1 3 8 1 1 1. Ifowuni yasimahla (kubandakanywa zonke iiselfowuni).
Imali-mboleko eqinisekisiweyo yileyo apho omnye umntu, onjengelungu losapho okanye umhlobo, avumayo ukuyibuyisela imali-mboleko ukuba awukwazi ukuhlawula izavenge. Umntu oqinisekisa imali-mboleko unoxanduva lwamatyala emali-mboleko.
Ngenxa yokuba iintlawulo zemali-mboleko ziqinisekiswa ngomnye umntu, ityala lifana netyala elidityanisiweyo kuba bobabini abantu banoxanduva lokulihlawula ukuba omnye wabo akakwazi ukwenjenjalo. Oku kunokubangela iingxaki ukuba awukwazi ukuhlawula imali-mboleko, njengoko umntu oqinisekisayo uba noxanduva ngokudibeneyo kwityala.
Ukuba ilungu losapho okanye umhlobo ungumqinisekisi wakho, impembelelo yokuhlawula ityala inokubangela iingxaki zobudlelwane, uxinzelelo kunye nobunzima bemali. Ukuba uyifumene imali mboleko ngekhaya lakho, ikhaya lakho linokuba semngciphekweni wokuthinjwa.
Ngaba ndingayitshintsha i-guarantor yemali-mboleko yam?
Ngokusebenzisa i-equity owakhe kwipropati esele ikhona, umnikezeli oqinisekisayo unokukunika isibambiso esikuvumela ukuba uthenge ikhaya okanye utyale imali kwipropati yokuhlala (eyaziwa ngokuba yisiqinisekiso sebhondi). Isenokubonelela ngokhuseleko kunye nesiqinisekiso somvuzo apho umvuzo wakho unokunceda ukwanelisa umthamo wenkonzo yemali-mboleko.
Imali-mboleko eqinisekisiweyo isebenza xa umntu onesibambiso, njenge-equity yendlu yakhe, evuma ukuvumela umthengi ukuba ayisebenzise njengesibambiso semboleko entsha yokuthenga indawo yakhe. Esinye sezizathu eziqhelekileyo ukuba abathengi basebenzise ii-guarantors kukuphepha ukuhlawula i-Lenders Mortgage Insurance (LMI). Olu luhlobo lwe-inshorensi ekhusela ababolekisi kwiimali-mboleko kwaye ihlawulwe ukuba unediphozithi encinci, idla ngokuba ngaphantsi kwe-20% yexabiso lilonke lentengiso.
Ukuba ngaba awunayo i 20% idipozithi ubuncinane, uya kuhlala kufuneka uhlawule IML, nto leyo enokuba phezulu njengoko $10.000. Nangona kunjalo, ukuba unomqinisekisi ovumayo ukuba abe nesibambiso sakhe (esifana nepropati yakho) esetyenziselwa ukuthenga kwakho, uya kukwazi ukuboleka ipesenti ephezulu yexabiso lepropati kwaye ungayihlawuli i-IML.
