Usenza njani isicelo semali mboleko yendlu
Sifumana imbuyekezo kwamanye amahlakani aneentengiso zivela kweli phepha. Asikhange sihlolisise zonke iimveliso ezikhoyo okanye unikezelo. Imbuyekezo inokuphembelela indlela unikezelo oluvela ngayo kwiphepha, kodwa izimvo zethu zomhleli kunye neereyithingi azichatshazelwa yimbuyekezo.
Uninzi okanye zonke iimveliso eziboniswe apha zivela kumaqabane ethu asihlawulela ikhomishini. Le yindlela esenza ngayo imali. Kodwa isidima sethu somhleli siqinisekisa ukuba izimvo zeengcali zethu aziphenjelelwa yimbuyekezo. Imigaqo inokusebenza kunikezelo oluvela kweli phepha.
Indlela yokufumana imali mboleko yendlu
Ababolekisi bajonga izinto ezininzi xa ufaka isicelo semali-mboleko ukuze uvavanye ukukwazi kwakho ukuyibuyisela imali-mboleko. Imimandla ephambili eqwalaselwayo yingeniso kunye nembali yengqesho, amanqaku etyala, umlinganiselo wetyala-kwingeniso, ii-asethi, kunye nohlobo lwepropathi onqwenela ukuyithenga.
Enye yezinto zokuqala ababolekisi bezindlu abazijongayo xa ufaka isicelo semali-mboleko ngumvuzo wakho. Akukho mali imiselweyo ekufuneka uyirhole ngonyaka ngamnye ukuze uthenge ikhaya. Nangona kunjalo, umbolekisi we-mortgage kufuneka azi ukuba unemali eqhubekayo yokubuyisela imali mboleko.
Amanqaku akho etyala adlala indima ebalulekileyo ekukwazini kwakho ukufumana imali mboleko. Amanqaku aphezulu etyala axelela ababolekisi ukuba wenza iintlawulo zakho ngexesha kwaye awunayo imbali yokuboleka ngokugqithisileyo. Inqaku eliphantsi letyala likwenza ube ngumboleki onobungozi kuba libonisa kubabolekisi ukuba unokuba nembali yokuphatha kakubi imali yakho.
Amanqaku aphezulu etyala angakunika ukufikelela kwiinketho ezininzi zombolekisi kunye nenzala ephantsi. Ukuba unamanqaku aphantsi, luluvo oluhle ukuzama ukonyusa amanqaku akho etyala kwiinyanga ezimbalwa phambi kokuba wenze isicelo semali-mboleko.
Kunzima ukufumana ireddit yokubambisa
Kukho enye inyani malunga nabo bakhetha ukurenta kunokuthenga. Ingxelo ibonisa ukuba aba bantu banamathandabuzo amaninzi malunga neemfuno ze-mortgage. Yaye loo nto isenokuba yiyo ebathintelayo ekufundeni iinkcukacha ezingakumbi okanye ukufikelela usukelo olubonakala lungenakufikelelwa.
“Ukudodobala kwezimali kuqale ngo-2008,” utshilo. «Emva koko, icandelo lemali-mboleko lenze utshintsho olubalulekileyo lokulungelelanisa kwimimiselo emitsha yezemali, kwanokuphelisa ezinye iimveliso zokubambisa. Olu tshintsho lubangele ukuba amaziko emali amaninzi alondoloze ngakumbi kwizibonelelo zawo. Bagxininisa amaxabiso asekelwe kumngcipheko. "
Abathengi abaninzi bakholelwa ukuba lo myalezo wawucacile: nabani na ongenawo amanqaku abalaseleyo etyala kuya kufuneka ahlawule amaxabiso athintelweyo okanye angabinandlela yokuthenga ikhaya. “Kungoko, abantu abaninzi abanqwenela ukuthenga baye bacinga ukuba ukuthenga ikhaya akukho kwizicwangciso zabo. Ayinakuba kude nenyani, ”wongeza uStapleton.
“Ulwazi lwezemali ludla ngokuzifundisa. Amanqaku ekhredithi, uhlahlo lwabiwo-mali, iziseko ze-mortgage, kunye nebhalansi ye-checkbook ayiveli nje ngokwemvelo. Udinga umnqweno wokufunda nomntu onamava wokukufundisa,” utshilo uAilion.
Kutheni kunzima kangaka ukufumana imali-mboleko namhlanje?
Xa uthenga ikhaya, umqobo wokuqala owoyisayo kukukholisa umbolekisi wezindlu ukuba abeke imali efunekayo. Nangona inkqubo yemvume yokubolekwa kwezindlu isenokubonakala ilula, inyaniso yeyokuba mininzi imiqobo enokukuthintela ekufumaneni inkxaso-mali oyifunayo.
Enyanisweni, ngokutsho kwe-Bankrate, i-30% yezicelo ze-mortgage zaliwe. Nangona kunjalo, isilumkiso sixhobile, ke sinethemba lokuba ezi ngcebiso ziluncedo ukuba ujoyine abonwabileyo abangama-70% abahamba ngesikhephe kakuhle.
I-FICO, ehlala yoyikwa kodwa isifinyezo esingaqondakaliyo, imele iFair Isaac Corporation, eneneni yenye yeenkampani ezininzi ezibonelela ngesoftware yokubala amanqaku akho etyala. La manqaku axelwa ngamaziko amathathu ahlukeneyo okuthenga ngetyala: Equifax, TransUnion, kunye ne-Experian.
Ababolekisi bezindlu zokuhlala babala amanani aphumayo ukuze bafumane umgangatho wokulinganisa apho bazimisele ukuqala ukuthetha ne-turkey. Nangona, kwixesha elidlulileyo, nababoleki abanamanqaku etyala ahlwempuzekileyo (ngokuqhelekileyo <ama-640) babekwazi ukufumana imali-mboleko yokubambisa, le yi-fiasco eyavelisa igama elithi "subprime mortgage crisis" (i-subprime ibhekisela kumanqaku ekhredithi yomboleki). Namhlanje, udinga i-avareji amanqaku ubuncinane 680, kwaye 700+ yeyona ilungileyo. Nazi ezinye iingcebiso zokwandisa amanqaku akho ekhredithi.
