Ngubani othumela isivumelwano semali mboleko
La magama mabini azalana ngokusondeleyo, nto leyo ebangela ukungaqiniseki okuninzi kwingcaciso yawo kunye nakumahluko wabo. Ukuqonda le migaqo kunokukunceda ukuba uhambe kakuhle kwinkqubo yokuthenga ikhaya.
InkquboUkuqonda ngcono isihloko kunye neskripthi, masijonge inkqubo apho la magama mabini asetyenziswa khona. Ngexesha lokuvala, "ukukhangela isihloko" kuya kucwangciswa. Olu lukhangelo kwiirekhodi zoluntu ezichaphazela ubunini (isihloko) sepropati.
I-arhente yokuhlawulela iya kuthi ke ilungise onke amaxwebhu kwaye icwangcise ukuvala. Phakathi kwala maxwebhu okuvala kukho uxwebhu. Ekuvaleni, umthengisi usayina isivumelwano, ugqithiselo lwetayitile nobunini bepropati. Ukongeza, umthengi uya kusayina inqaku elitsha kunye ne-mortgage kwaye imali mboleko endala iya kuhlawulwa.
Iphi incwadi yam yemali-mboleko?
Xa abantu bethetha malunga nokuthengwa kwezindlu, ngamanye amaxesha basebenzisa amagama athi "ukusayina" kunye "nokuvalwa" ngokutshintshisanayo ngokubhekiselele kwisiganeko sokuba abathengi basayine amaxwebhu nge-Escrow. Nangona kunjalo, kukho iziganeko ezininzi ezenzekayo phakathi kokusayina komthengi kunye nokuvalwa kanye kwentengiselwano ye-real estate. Masithathe umzuzwana sihlolisise loo nkqubo.
Nje ukuba amaxwebhu emali-mboleko esayiniwe, i-arhente ye-escrow iyisa kumbolekisi ukuze iqwalaselwe. Xa umbolekisi enelisekile ukuba onke amaxwebhu afunekayo asayinwe kwaye yonke imiqathango eseleyo yemali-mboleko ihlangatyezwane, umbolekisi uya kwazisa i-escrow ukuba ukulungele ukukhupha imali yemboleko kwi-escrow. Emva kokufumana ukudluliselwa kumbolekisi, i-ejenti ye-escrow igunyazisiweyo ukuba ithumele amaxwebhu okudluliselwa kwi-county kwiirekhodi zabo. Ixesha lokuphonononga lidla ngokuba yi-24 ukuya kwiiyure ze-48.
Utshintshiselwano lwezindlu nomhlaba kwiLizwe laseWashington olubandakanya ukudluliselwa kobunini lufuna ukuqwalaselwa kwerhafu ekhethekileyo. Zonke iimali zerhafu ezifanelekileyo kufuneka zihlawulwe phambi kokuba ingingqi ivumele iSivumelwano soBunini ukuba sibhalwe.
Ingaba ndiya kulufumana nini umsebenzi wam emva kokuvalwa?
Ingqina kufuneka libe ngaphezulu kweminyaka eli-18 ubudala, lingazalani, lingabi yinxalenye yesi sivumelwano sokubambisa, kwaye lingahlali kwipropati. Kuxhomekeke ekubeni ngubani na umbolekisi wakho omtsha, umcebisi ngezemali mboleko akanakuba lingqina elamkelekileyo.
Ukuba isiqinisekiso semali yokubambisa asikhange sisayinwe ngokufanelekileyo okanye singqinelwe, okanye asifunyanwanga sikwimeko efanelekileyo, kusenokufuneka siphinde sikhuphe inguqulelo entsha yesi sivumelwano. Nceda ubhekisele kumzekelo oya kuba uwufumene, oya kukunceda ukuba ugqibezele isivumelwano semali-mboleko ngokuchanekileyo.
Ukuba unepropati erentwayo, asibahluli "njengabahlali" njengoko behlala kwipropati phantsi kwesivumelwano. Ukuba sifuna ulwazi, kuya kubakho icandelo elahlukileyo kwi-questionnaire ukuze usixelele malunga nabaqeshi bakho.
Xa isivumelwano semali mboleko sityikityiwe
Ukuvala indlu ngumsebenzi onzima. Ukusuka ekupakisheni izinto zakho ukuya ebumelwaneni kunye nokuqinisekisa ukuba onke amaxwebhu akho alungile, zininzi izinto omawuzenze. Ukwenza inkqubo yokuvala ilawuleke ngakumbi, yinto efanelekileyo ukuthatha ixesha lokuqonda amaxwebhu okuvala umthengi. Eli nqaku liza kukuhamba ngephepha oza kudibana nalo ukuze uphephe naziphi na izinto ezimangalisayo.
Ngaphambi kokuba uvale, kufuneka unike umbolekisi wakho ubungqina be-inshurensi yabaninikhaya. Ababolekisi bafuna ukuqiniseka ukuba ikhaya likwi-inshurensi, ngoko ke utyalo-mali lwabo lukhuselekile ukuba kukho into eyenzekayo ekhayeni. Uya kufuneka uqhagamshelane nenkampani yakho ye-inshurensi iintsuku ezimbalwa ngaphambi kokuba uvale ukuze uqinisekise ukuba baneenkcukacha ezichanekileyo kwikhaya kwaye unokubonelela ubungqina be-inshurensi kumbolekisi.
Isiteyitimenti sokuvala sichaza yonke imiqathango yemali-mboleko, ukuze wazi kakuhle into oza kuyifumana xa usayina i-mortgage. Ngokomthetho, abathengi bezindlu kufuneka bafumane ikopi yoLwazi lokuVala ubuncinane iintsuku ezi-3 ngaphambi kokuvala.
