2022 Uluhlu lweeNkcukacha zeMali-mboleko yeKhaya
Ukwenza inkqubo ye- mortgage ihambe ngokukhawuleza kangangoko kunokwenzeka, luluvo oluhle ukuba amaphepha akho alungile phambi kokuba ufake isicelo. Ababolekisi ngokubanzi baya kufuna la maxwebhu alandelayo axhasayo ukuba ahambe nesicelo sakho sokubambisa:
Kwakhona qaphela ukuba ungasebenzisa iphepha-mvume lakho lokuqhuba njengobungqina besazisi okanye ubungqina bedilesi (jonga ngezantsi), kodwa hayi zombini. Ikhadi kufuneka lisebenze kwaye libonise idilesi yakho yangoku; Ukuba ibonisa idilesi yakho endala, nokuba ucinga ukuba idilesi yakho yangoku yeyokwexeshana, kuya kufuneka uyihlaziye.
I-P60 yifomu ekhutshwa yinkampani yakho ekupheleni konyaka-mali ngamnye (ku-Epreli) kwaye ibonisa uwonke umvuzo wakho, iirhafu kunye noKhuseleko lweNtlalo kulo nyaka uphelileyo. Ayingabo bonke ababolekisi bezindlu abayidingayo, kodwa kunokuba luncedo ukuba nemibuzo malunga nembali yengeniso.
Kufuneka ufumane ikopi yengxelo yakho yetyala, ngokukhethekayo kwi-Equifax okanye kwi-Experian, esetyenziswa kakhulu ngababolekisi-zindlu. Ukuhlawulwa emva kwexesha, ukusilela, kunye nezigwebo zenkundla ziya kuchaphazela amanqaku akho etyala kwaye kunokukhokelela ekwaliweni kwesicelo.
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Iimfuno zemboleko-mali zomntu ziyahluka ngokomboleki, kodwa kukho iingqwalasela ezimbalwa - njengamanqaku ekhredithi kunye nengeniso - ababolekisi bahlala beyithathela ingqalelo xa behlola abafaki-zicelo. Ngaphambi kokuba uqale ukukhangela imali-mboleko, ziqhelanise nezona mfuno zixhaphakileyo oya kuzifuna ukuhlangabezana nazo kunye namaxwebhu oza kuyidinga. Olu lwazi lunokunceda ukwenza lula inkqubo yesicelo kwaye lunokuphucula amathuba akho okufumana imali-mboleko.
Amanqaku etyala lomfaki-sicelo yenye yezona zinto zibalulekileyo umbolekisi aziqwalaselayo xa evavanya isicelo semali-mboleko. Amanqaku okuthenga ngetyala aqala kwi-300 ukuya kuma-850 kwaye asekelwe kwizinto ezifana nembali yentlawulo, isixa setyala elingekahlawulwa, kunye nobude bembali yetyala. Ababolekisi abaninzi bafuna ukuba abafake izicelo babe namanqaku amancinci amalunga nama-600 ukuze bafaneleke, kodwa abanye ababolekisi baya kuboleka abafaki-zicelo ngaphandle kwembali yetyala.
Ababolekisi babeka iimfuno zengeniso kubaboleki ukuqinisekisa ukuba banazo iindlela zokubuyisela imali-mboleko entsha. Ubuncinci beemfuno zomvuzo ziyahluka ngokomboleki. Ngokomzekelo, i-SoFi ibeka imfuno yomvuzo omncinci we-$ 45.000 ngonyaka; Ubuncinci bemfuno yengeniso yonyaka ye-Avant yi-$20.000 kuphela. Musa ukumangaliswa, nangona kunjalo, ukuba umbolekisi wakho akachazi ubuncinci beemfuno zengeniso. Abaninzi abakwenzi oko.
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Ekugqibeleni uye wagqiba kwelokuba athabathe inyathelo aze athenge indlu entsha. Ngaba ukhe wazibuza ukuba kuqhubeka ntoni emva kwemiboniso kwaye yeyiphi imibuzo, iimfuno kunye nezinto ezenza umahluko phakathi kokuvunywa kunye nokukhanyela?
Ekubeni injongo yethu kukubonelela uluntu ngezixhobo kunye nemfundo kunye nokwenza ukuba wonke umntu abe ngumthengi onolwazi, ofundileyo kwaye oxhotyisiweyo, apha siza kubonelela ngesishwankathelo sendlela umrhumi asijonga ngayo isicelo (aka umntu othatha isigqibo ngesiphumo sesicelo sakhe) . Veki nganye, siza kucacisa umba ngamnye/C nzulu – ke hlala ujonge izinto esizifakeleyo veki nganye!
Ityala libhekisa kuqikelelo lwembuyekezo yomboleki ngokusekelwe kuhlalutyo lwembuyekezo yakhe yangaphambili yetyala. Ukumisela amanqaku omfaki-sicelo wekhredithi, ababolekisi baya kusebenzisa umndilili wamanqaku amathathu ekhredithi axelwe ngamaziko amathathu okuthenga ngetyala (Transunion, Equifax, kunye ne-Experian).
Ngokuphonononga imiba yomntu yezemali, njengembali yokuhlawula, ityala lilonke vs. ityala lilonke elikhoyo, iintlobo zamatyala (ajikelezayo vs. ityala lesavenge esingekahlawulwa), umboleki ngamnye unikwa amanqaku etyala abonisa ukuba nokwenzeka kwetyala elilawulwa kakuhle nelihlawulweyo. Amanqaku aphezulu abonisa kumbolekisi ukuba kukho umngcipheko omncinci, oguqulela kwizinga elingcono kunye nexesha lomboleki. Umbolekisi uya kujonga ikhredithi kwangoko, ukubona ukuba zeziphi iingxaki ezinokuvela (okanye ezinokuthi zingavela).
Ndingayifumana imali-mboleko?
Ukukhangela ikhaya kunokuba mnandi kwaye kumnandi, kodwa abathengi abanzulu kufuneka baqale inkqubo kwiofisi yombolekisi, kungekhona kwindlu evulekile. Uninzi lwabathengisi balindele ukuba abathengi babe neleta yokuvunywa kwangaphambili kwaye baya kukulungela ngakumbi ukujongana nabo babonisa ukuba banokufumana imali.
Isiqinisekiso sokubambisa sinokuba luncedo njengoqikelelo lokuba yimalini na umntu anokukwazi ukuyichitha kwikhaya, kodwa ukuvunywa kwangaphambili kubaluleke ngakumbi. Kuthetha ukuba umbolekisi uhlolisise ikhredithi yomthengi onokubakho kwaye uqinisekise amaxwebhu ukuze avume isixa-mali semali-mboleko (ukwamkelwa ngokuqhelekileyo kuthatha ixesha elithile, elifana neentsuku ezingama-60-90).
Abathengi abasenokubakho bayazuza ngeendlela ezininzi ngokudibana nombolekisi kunye nokufumana ileta yokuvunywa kwangaphambili. Okokuqala, banethuba lokuxoxa ngeenketho zemali-mboleko kunye nohlahlo lwabiwo-mali kunye nombolekisi. Okwesibini, umbolekisi uya kujonga ikhredithi yomthengi kwaye afumanise naziphi na iingxaki. Umthengi uya kukwazi kwakhona isixa esikhulu esinokuboleka, esiya kubanceda baseke uluhlu lwamaxabiso. Ukusebenzisa i-calculator ye-mortgage ngumthombo olungileyo weendleko zohlahlo lwabiwo-mali.
