IZINTO OKUMELE UZENZE PHAMBI KOKUBA UQALE UZIBUKELE
Ukuba uhlala neqabane lakho okanye iqabane kodwa igama lakho lingekho kwimali yokubambisa, unokuba namalungelo athile kwipropati. Oku kuxhomekeke kwiimeko, kuquka nokuba utshatile okanye akunjalo.
Ukuba utshatile okanye ukwintsebenziswano yasekhaya kwaye awudweliswanga kwimali yokubambisa, unokucela isaziso samalungelo kwikhaya lomtshato. Oku kuya kukunika amalungelo okuhlala, kodwa akusayi kukunika nawaphi na amalungelo epropathi. Nangona kunjalo, ukuba uyahlukana kamva okanye uqhawule umtshato, inkundla iya kuthi unelungelo kwipropati.
Awunakufaka isicelo samalungelo ezindlu zomtshato kwipropati umyeni okanye inkosikazi yakho enaye nomnye umntu. Ukongeza, unokucela kuphela ilungelo lokuhlala kwipropati enye. Kubalulekile ukukhumbula ukuba ilungelo kwizindlu zomtshato libonelela kuphela ngamalungelo okuhlala; ayikuniki naliphi na ilungelo lobunini bepropati.
Ukuba utshatile kwaye igama lakho alikho kwi-mortgage, uya kuba nelungelo kwipropati kwaye sinokukuxoxa oku banzi. Ukuba ufuna ulwazi oluthe kratya, ungalibazisi ukunxibelelana nathi ukuze ufumane unxibelelwano lwasimahla. Ungaphinda uthethe namagqwetha ethu okuthenga izindlu.
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Nokuba ufuna ukugcina iqabane lakho lingekho kwimali yokubambisa ngesizathu esithile okanye ufuna ukuzithengela eyakho indlu ngokuthe ngqo, kukho ukulunga ekulandeleni ubunini bezindlu njengomthengi wedwa. Ngokuxhomekeke kwimeko yakho yobuqu, ukuba neqabane elinye kuphela kwimali yokubambisa kunokuba yeyona ndlela ilungileyo.
Itayitile yepropati luxwebhu olumisela ukuba ngubani umnini osemthethweni wekhaya. Inokuba nefuthe kwisakhiwo se-mortgage. Kungcono ukuthetha negqwetha kunye ne-mortgage broker ukuqonda ukhetho lokuba ngubani omele udweliswe kwisihloko kunye ne-mortgage.
Unokucinga ngokushiya igama leqabane lakho kwitayitile ukuba: – Ugcina imali yakho yahlukile kwaye ungathanda ukuqhubeka nokwenjenjalo – Ufuna ukukhusela impahla yakho kwiqabane elinetyala elihlwempuzekileyo – Ufuna ulawulo olupheleleyo malunga nokutshintshelwa kwepropati ikamva (umzekelo, ukuba unabantwana bomtshato wangaphambili)
Isivumelwano sokuyeka ukubanga sikuvumela ukuba uthumele ubunini bezindlu nomhlaba ukusuka komnye umntu ukuya komnye. Ukuba uthatha isigqibo sokushiya igama leqabane lakho kwitayitile, ungasoloko usebenzisa isiqinisekiso sokuyeka ukunikezela ngobunini obupheleleyo bepropati kubo.
KUTHENI I-INSHORENSI YAKHO YOBOMI KUFUNEKA ITHEMBA (UBOMI
Ngokubhekiselele kubabolekisi, bobabini abantu bahlala "ngokudibeneyo kwaye ngokuphindaphindiweyo" benetyala lemboleko. Ngamanye amazwi, umbolekisi unokulandela nokuba kukuphi na okanye zombini xa kuthe kwenzeka ukusilela. Kwaye amanqaku ekhredithi omabini aya kubandezeleka ukuba intlawulo isemva kwexesha.
Okufanayo kuya kulowo ubolekayo ongasafuni ukuba noxanduva lwe-mortgage abayisayinileyo. Ukuba uzifumana ukwimeko yokuba ukhuphe igama lakho, okanye elomnye umntu, kwimali ebolekwayo, nantsi into onokukhetha kuyo.
Ezi mfuno zimbini zokugqibela zisenokuba zezona zinzima kakhulu ukuhlangabezana nazo. Ukuba ubungenguye umondli ophambili wekhaya, usenokungabi nangeniso yaneleyo ukuze ukwazi ukubolekwa ngokwakho. Kodwa nali icebiso: ukuba uya kufumana i-alimony okanye inkxaso yomntwana, nika umbolekisi wakho olo lwazi. Loo ngeniso inokukunceda ukuba ulungele ukuxhaswa ngemali kwakhona ngaphandle kokuxhomekeka kwilungu losapho njengotyikityo-qabane.
Iimali-mboleko ze-USDA zikwanokhetho olulula lwe-refinancing. Nangona kunjalo, ukuba usebenzisa i-USDA Streamline Refi ukususa igama kwi-mboleko, umboleki oseleyo uya kufuneka afanelekele umboleko ngokusekelwe kwingxelo yekhredithi yomboleki kunye nengeniso.
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Xa igama elingaphezu kwesinye kucingwe ngalo kwisicelo semali-mboleko, mhlawumbi kucingelwa ukuba sisibini esitshatileyo. Nangona kunjalo, baninzi abanye abantu abangena kunye ekuthengeni ikhaya: abantakwabo, abazali nabantwana, intsapho eyandisiweyo, izibini ezingatshatanga, kunye nabahlobo. Oku kwaziwa kwishishini njenge-mortgage edibeneyo.
Kwelinye icala, ukwabelana ngomthwalo wemali mboleko yendlu kunokwenza ukuba ubunini bezindlu bufikeleleke kwabo bebengakwazi ukwenza oko bebodwa. Nangona kunjalo, ukuthatha isibophelelo esikhulu kwaye esintsonkothileyo njengokwabelana ngendlu kunye nemboleko-mali kubeka isibophelelo semali sexesha elide kwelinye, ke qiniseka ukuba uzilungiselele ngokupheleleyo phambi kokuthatha imali-mboleko edibeneyo.
Sifikelele kuMike Venable, iNtloko yabaSebenzi kwi-TD Bank[1] ngeengcinga zakhe malunga nokwabelana ngekhaya kunye nokunceda ugqibe ukuba lukhetho olufanele ukuphononongwa. Ukongeza, siza kuchaza ezinye zeendlela ezilungileyo xa ufunda ukuthenga ikhaya elinabanini abaninzi.
Ukuhlala ngokudibeneyo kuya kubangela ukungalingani kwepropati. Endaweni yokwahlula ilifa ngokulinganayo, ubunini obuqhelekileyo babela iipesenti zobunini bezindlu ngokusekelwe kwinto etyalwa ngumntu ngamnye kuyo.
