Ngaba iibhanki zibolekisa ngemali-mboleko?
Jonga ukuba umi phi na ngokwasezimalini Ukufumanisa ukuba ukulungele na ukuthatha ityala elitsha, unokulinganisa ukuma kwakho kwetyala ngokusekelwe kwiikhrayitheriya ezisetyenziswa ngababolekisi xa bephonononga isicelo sakho. Xa ufaka isicelo seakhawunti entsha yetyala, ababolekisi bayasivavanya isicelo sakho ngokusekelwe kwizinto ezingundoqo ezaziwa ngokuba zii-5 C's zetyala.
Into eyi-Collateral yi-asethi yobuqu onayo, efana nemoto, iakhawunti yokonga, okanye ikhaya. Kutheni le nto ibalulekile iSibambiso kubabolekisi ngemali kuba iyawuphelisa umngcipheko abawuthathayo xa bekunika ityala. Ukusebenzisa ii-asethi zakho njengesibambiso kukunika iindlela ezininzi zokuboleka imali, kubandakanywa nee-akhawunti zetyala ezinokuba nenzala ephantsi kunye nemigaqo engcono. Ukusebenzisa isibambiso Ukuba une-asethi, efana ne-equity yendlu yakho, unokuyisebenzisa njengesibambiso ukuze ufumane imali-mboleko, nto leyo ekuvumela ukuba uxhamle kumyinge wetyala eliphezulu, imiqathango engcono kunye nenzala ephantsi. Kodwa khumbula ukuba xa usebenzisa i-asethi njengesibambiso, umbolekisi unokuba nelungelo lokuyithimba ukuba imali-mboleko ayihlawulwanga.
Ngaba kufuneka ndifumane imali-mboleko ngebhanki yam?
Ukuba ungumthengi okhoyo ngoku kunye neBhanki yase-US yokuqala yokubambisa okanye i-akhawunti ye-akhawunti yokutshekisha yeBhanki yase-US, ungakufanelekela ukufumana ikhredithi yomthengi malunga neendleko zokuvala ze-mortgage yakho elandelayo.1 Thatha i-0.25% yemali yekhaya lakho lokuqala elilandelayo mboleko kwaye uyitsale kwiindleko zokuvala, ukuya kuthi ga kwi-1,000.2 ephezulu yeedola
Ungaphinda uhlengahlengise izinto ozikhethayo zentengiso ye-imeyile kunye nefowuni ngokungena kwiBhanki ye-Intanethi kwaye ukhethe iProfayile yam. Okulandelayo, khetha Hlela ecaleni kwenombolo yakho yefowuni okanye i-imeyile kwaye ukhethe ukhetho lwakho.
Intlawulo ezenzekelayo yindlela efanelekileyo yokwenza iintlawulo zakho zenyanga zindlu. Nje ukuba zicwangcisiwe, iintlawulo zakho ziya kutsalwa ngokuzenzekelayo nyanga nganye kwi-akhawunti yakho yetshekhi okanye yokonga ngomhla owukhethileyo. Sinokukunceda ulawule iintlawulo ezizenzekelayo, nokuba uyaziseta okanye ulungisa ulwazi olukhoyo. Nantsi indlela yokwenza:
Yiba ne-akhawunti yakho yokujonga kunye nenombolo yomzila eluncedo kule nkqubo. Nje ukuba ufake i-akhawunti yakho yokutshekisha okanye yokonga ukuze uhlawule, iya kugcinwa kwisiza. Awuyi kukwazi ukubhalisa okanye ukutshintsha intlawulo ngokuzenzekelayo ukuba i-akhawunti idlule. Olu lwazi lusenokungafumaneki ukuba i-akhawunti ishiywe lixesha.
Yeyiphi ibhanki ekufuneka ndifumane imali yokuthenga indlu?
Ngaphambi kokuba uthenge ikhaya, kuya kufuneka ukhethe ukuba ngubani oza kusebenza naye ngexesha lokuthenga. Oku kuqala nge-arhente yakho yezindlu, nangona igosa lakho lemali mboleko yezindlu linokuba libaluleke kakhulu. Banokukucebisa ngokuphinda uhlawule imali okanye kwimali mboleko yezindlu ezilinganayo ukuba sele ungumnikazi wendlu yakho. Umcebisi wezezimali usenokukunceda uhlengahlengise isicwangciso sakho sezemali ukuze sihlangabezane neemfuno zakho zemali mboleko yendlu. Nokuba yeyiphi na imeko, xa sele unengcali yemboleko onokuyithemba, uya kuba naye loo mntu iminyaka ezayo, nokuba yiyiphi inkampani oyisebenzelayo.
Iibhanki zenkonzo epheleleyo zaziwa njengamaziko emali aqeshwe ngurhulumente. Banikela ngemali mboleko yezindlu kunye nezinye iimveliso zebhanki, ezinje ngee-akhawunti zetshekhi nezokugcina imali kunye nemali-mboleko yorhwebo neyeshishini. Abaninzi babonelela ngotyalo-mali kunye neemveliso ze-inshurensi. Iimali mboleko zendlu yinkalo nje enye yeshishini labo. I-Federal Deposit Insurance Company (FDIC) ilawula kwaye iphicothe iibhanki ezinenkonzo epheleleyo.
Kwelinye icala, amazwe ngamanye alawula iinkampani zokubambisa. Le migaqo ikwangqongqo kakhulu. Kwakhona, ukusebenzisa inkampani yokubambisa kuthetha ukuba awuzukwazi ukudibanisa zonke ii-akhawunti zakho zemali kwiziko elinye. Nangona kunjalo, oku kusenokungabi sisithintelo kwabanye abantu.
Ngaba kungcono ukufumana imali-mboleko ebhankini okanye kumbolekisi?
Akukho khadi letyala lolona khetho lufanelekileyo kusapho ngalunye, yonke into ethengwayo, okanye yonke ibhajethi. Sikhethe awona makhadi etyala ukuze abe ngawona luncedo kolona didi lubanzi lwabafundi.
Ngokwenyani ewe, kodwa akukho lula. Uya kudibana neengxaki xa uzama ukuhlawula imali mboleko yakho ngekhadi letyala. Okokuqala, iibhanki ezibonelela ngemali mboleko yezindlu azidli ngokukuvumela ukuba uhlawule ngekhadi letyala ngokuthe ngqo, ngoko kuya kufuneka ufumane isisombululo.
Ingxaki elandelayo oya kujamelana nayo yeyokuba, uthanda ungathandi, izicombululo ezikuvumela ukuba uhlawule imali-mboleko ngekhadi lokuthenga ngetyala zinokubiza imali, kwaye iindleko zinokwenza ukuhlawula imali-mboleko yakho ngekhadi lokuthenga ngetyala kungathandeki kakhulu ukuba wenza njalo. ngayo imivuzo.
Ukulungeleka kokuhlawula imali-mboleko ngekhadi letyala kuya kuxhomekeka, ngokuyinxenye, ukuba kukho nayiphi na inzuzo yokwenza oko. Kwabaninzi, ukufumana izisombululo ezininzi ezifunekayo ekusebenziseni ikhadi lekhredithi akufanelekanga ngaphandle kokuba kukho izibonelelo ezingezizo zokuboleka imali. Kusenokubakho abathile.
