Ukukhangela abafowunelwa eGeorgia
Ukusukela ngo-1898, sigxile ekukubekeni kuqala. Ukusuka kwiingcambu zethu ezithobekileyo kwi-Arkansas yenkulungwane ye-40, sikhule saba yindawo yokuboleka imali eneofisi kumazwe angaphezu kwama-XNUMX. Oku kukhula kuphenjelelwa sisimo sethu sengqondo sokubeka umthengi kuqala kunye nokwenza izigqibo ngokusekelwe kokona kukulungeleyo.
Rhoqo ngonyaka, izigidi zabantu baseMelika bafumana ubusela bezazisi. I-BOE Mortgage ifuna ukuba ube nolwazi oludingayo ukuze uzikhusele ekubiweni kwezazisi. Nangona kungekho ziqinisekiso zokuthintela ubusela besazisi.
Elona xesha liphezulu lokuthenga nokuthengisa amakhaya kwiinyanga zasehlotyeni. Xa ikwindla ifika abantu bafuna ukuqalisa ukuzinza ngokulungiselela isikolo kunye nexesha leholide. Kodwa oku akuthethi ukuba baninzi abantu abasafuna ukuthengisa.
Zikulungele ukuba ujonge ukwakha ubutyebi ngokuthengwa kwe-mortgage ezinzileyo, yemveli. Iqela lethu elibolekayo linokudibanisa i-spreadsheet ebanzi ebonisa umahluko kwiintlawulo phakathi kweenketho ze-mortgage yezinga elimiselweyo. Ziya kuxoxwa kunye nomthengi ukunceda ukugqiba ukhetho olulungele iimfuno zabo.
Inkqubo yoKhuseleko lwePaycheck icacisiwe
Ukuthenga ikhaya lakho lokuqala yinto enomdla kwaye eyoyikisayo. Kubonakala ngathi kuninzi ukukhumbula (kwaye uhlawule!) Ukuba kulula ukulahleka kwizinto ezifunekayo ngokwenene kwaye yintoni "uchuku oluhle." I-inshorensi yobomi yokubambisa yenye nje ummandla apho abo bangenamava banokuziva benganqabisekanga. Ukukunceda, sihlanganise esi sikhokelo sikhawulezayo sokuqonda iimfuno zakho ze-inshurensi yobomi bokubambisa.
I-inshurensi yobomi yindlela yokukhusela ngokwezemali abo ubathandayo xa unokusweleka. Nangona kunjalo, kukho ukhetho olubanzi lwe-inshurensi yobomi, enye ehlawula iindleko zomngcwabo kwaye ezinye ziyilelwe ukuxhasa usapho lwakho ngokwezimali ukuba kwenzeke okubi kakhulu.
I-inshurensi yobomi be-Mortgage yile: i-inshurensi ehlawula intsalela yemali mboleko xa umntu efile. Nangona i-inshurensi yobomi be-mortgage ingafuneki, inconywa kakhulu kubantu abaninzi. Abanye ababolekisi baya kugxininisa ukuba ube nayo ngaphambi kokuba ungene, ngelixa abanye bengayi.
Thenga ukuze uvumele ukubolekwa kwezindlu-Yonke into ekufuneka uyazi ngalo Januwari!
Siyenza rhoqo kwaye siyazi ukuba nawe wenjenjalo. Siyazi nokuba owona mbuzo mncinane unokumcaphukisa umntu obolekayo xa impendulo elula ibinokubenza bakhululeke. Nantso into esizele yona apha. Ziinkcukacha ezincinci ezibala ngokwenene kwaye siyayazi indlela ekubaluleke ngayo ukufumana iimpendulo xa uzifuna. Sitsalele umnxeba namhlanje kwaye ufunde ngoMahluko we-BOE. Kwi-BOE Philly "Ingaphezulu kuneMali-mboleko, Ngabantu"!
IBucks County, ePennsylvania yindawo entle yokuhlala! Iinduli zeDelaware Valley zigcwele umhlaba weefama, imbali kunye nenkcubeko. Le ndawo ibonelela ngezithili ezinkulu zesikolo, kufutshane nePhiladelphia, eNew York nasePrinceton kwaye ngokumangalisayo amaxabiso epropathi afikelelekayo kunye neerhafu xa kuthelekiswa nezo ndawo.
Iingcaphephe zethu zinokuphonononga idatha ekrwada yefayile yekhredithi yomboleki kwaye zigqibe ngefuthe elithile eziya kuba nalo kwiintlawulo ezithile kumanqaku etyala lomboleki. Basenokwenza iziphakamiso malunga nefuthe lemiqathango ekukufanelekeleni ukuba netyala komboleki.
Kwiimeko apho umboleki anokufuna umsebenzi owongezelelweyo, sinokucebisa inkampani yesithathu yokulungisa ikhredithi encede uninzi lwabaxumi bethu. Sitsalele umnxeba namhlanje kwaye ufumanise ukuba singenza njani na ukuthi hayi abe nguewe.
Shriram Life Assured Income Plan yasungulwa ngu
Kubhekiswa kwiipropati ezifanayo ezisetyenziselwa iinjongo zokuthelekisa kwinkqubo yovavanyo. Ezi propati ziya kuba ngokufanelekileyo ubungakanani kunye nendawo, kunye nezibonelelo ezifanayo kunye neempawu, ukwenzela ukuba ixabiso eliqikelelweyo lemarike lepropati ekuxoxwa ngayo libe nokumiselwa.
Ixabiso umnini analo kwi-real estate ngaphezu kweemali mboleko ezichasene nabo. Xa i-mortgage kunye nawo onke amanye amatyala kwipropati ehlawulwe ngokupheleleyo, umnini une-100% ye-equity kwipropati yakhe.
Iimali kunye/okanye uxwebhu olushiyelwe kwitrasti kumntu wesithathu. Ngokuqhelekileyo, inxalenye yentlawulo ye-mortgage yenyanga igcinwa kwi-escrow ngumbolekisi ukuze ahlawule irhafu, i-inshurensi yengozi, kunye nezavenge zonyaka ze-inshurensi yokubambisa.
Imali mboleko emiselweyo kunye neentlawulo zenyanga eziqala phantsi kwaye zinyuke ngesixa esimiselweyo kwinani elichaziweyo leminyaka. Emva kwelo xesha, iintlawulo zihlala zingatshintshi ubomi bemboleko.
Xa umthengi evuma ukwenza iintlawulo ngqo kumthengisi phantsi kweemeko ebekuxoxwe ngazo ngaphambili. Umthengisi uyavuma ukunikezela ngepropati kumthengi ekupheleni kwesivumelwano. Umthengi uba ngumnini we-equity kolu hlobo lwentengiso. (Kwakhona bona iMali yoMnini)
