iindleko zokuvala
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Amazinga e-Mortgage e-UK
Nokuba awuzihlawuli iindleko zakho zokuvala i-mortgage ngokuthe ngqo epokothweni, unokuphela ngokuzihlawula ngokungangqalanga. Ngamanye amaxesha unokuthethathethana ngeendleko zokuvala "ityala" kunye nomthengisi, kodwa umthengisi udla ngokufuna ukuba uhlawule ixabiso eliphezulu kwikhaya ukuze uhlawule iindleko zekhredithi. Umbolekisi usenokukunika ikhredithi ukuze uncede ngeendleko zokuvala. Le khredithi nayo ayisimahla. Umbolekisi uya kudla ngokunyusa isixa-mali semali mboleko yakho ukuze ahlawule ezi ndleko, okanye akuhlawulise inzala ephezulu ngokutshintshiselana ngetyala. okanye ezinye iindleko ezayanyaniswa nemali-mboleko yakho ngokuphonononga i-"Home Loan Toolkit" yethu.
Imirhumo ye-mortgage yokuphepha
Iindleko zokuvala zokuthenga ikhaya ziquka iintlawulo zovavanyo kunye nokuhlolwa, iimali zokuvela kwimali-mboleko, kunye neerhafu. Kukwakho nezinye iimali ezinokubakho ezinxulumene nemali-mboleko yokubambisa, njengenzala, i-inshurensi yokubambisa yabucala, kunye nemirhumo ye-HOA.
Inqaku loHlelo: I-Credit Karma ifumana imbuyekezo kubathengisi beqela lesithathu, kodwa oku akuzichaphazeli iimbono zabahleli bethu. Abathengisi bethu abaphononongi, bavume okanye baxhase umxholo wethu wokuhlela. Ichanekile ngokolwazi nenkolelo yethu xa ipapashwa.
Sicinga ukuba kubalulekile ukuba uqonde indlela esenza ngayo imali. Enyanisweni, ilula kakhulu. Izibonelelo zeemveliso zemali ozibonayo kwiqonga lethu zivela kwiinkampani ezisihlawulayo. Imali esiyifumanayo isinceda ukuba sikwazi ukufikelela kumanqaku etyala kunye neengxelo simahla kwaye isinceda senze ezinye izixhobo zethu zemfundo ezintle kunye nemathiriyeli.
Imbuyekezo inokuphembelela ukuba zivela phi kwaye njani iimveliso kwiqonga lethu (kwaye ngoluphi ulandelelwano). Kodwa ngenxa yokuba senza imali ngokubanzi xa ufumana isithembiso osithandayo kwaye usithenge, sizama ukukubonisa izinikezelo esicinga ukuba zikulungele wena. Yiyo loo nto sinikezela ngeempawu ezinje ngokuvunywa kunye noqikelelo lokonga.
Ikhatyhuleyitha yeendleko zokubambisa
Kukho iintlobo ezininzi zeendleko ezihlawulwayo xa uthatha imali-mboleko. Ezinye zezi ndleko zihambelana ngokuthe ngqo kwi-mortgage kwaye kunye zenza ixabiso lemali-mboleko. Ezi ndleko yinto omele uyithathele ingqalelo xa ukhetha i-mortgage.
Ezinye iindleko, njengerhafu yepropathi, zihlala zihlawulwa ngemali-mboleko, kodwa ngokwenene ziindleko zobunini bendlu. Bekuya kufuneka uzihlawule enoba unemali mboleko yendlu okanye awunayo. Ezi ndleko zibalulekile xa usenza isigqibo sokuba yimalini na onokuyihlawula. Nangona kunjalo, ababolekisi abazilawuli ezi ndleko, ngoko akufanele wenze isigqibo malunga nokuba yeyiphi imboleki oza kuyikhetha ngokusekelwe kuqikelelo lwabo lwezi ndleko. Xa ukhetha i-mortgage, kubalulekile ukuthatha zombini iintlobo zeendleko kwi-akhawunti. I-mortgage enentlawulo ephantsi yenyanga inokuba neendleko eziphezulu zokuqala, okanye i-mortgage eneendleko zokuqala eziphantsi ingaba nentlawulo ephezulu yenyanga. Iindleko zenyanga. Intlawulo yenyanga idla ngokuqulatha izinto ezine: Ukongeza, kungafuneka uhlawule imirhumo yabahlali okanye yekhondomu. Ezi ndleko zidla ngokuhlawulwa ngokwahlukeneyo kumrhumo wenyanga. Iindleko zokuqala. Ukongeza kwintlawulo ephantsi, kufuneka uhlawule iintlobo ezininzi zeendleko xa uvala.
