i-mortgage ngaphambili
Gcina ukhumbula ukuba kubandakanya ukuvala iindleko kwi-mortgage yakho kuthetha ukuba uya kuhlawula inzala kubo kwixesha elide. Nangona kunjalo, oku kunokuba lukhetho oluhle xa ufuna inzala ephantsi kodwa awukwazi ukufikelela kwiindleko zangaphambili zokubuyisela imali.
Ukuba awufuni kukhupha i-akhawunti yakho yokonga kwitafile yokuvala - kwaye ukuba izinga lakho elitsha lokuboleka imali liphantsi ngokwaneleyo ukukongela imali - ukuxhasa ngezimali iindleko zakho zokuvala ngexesha le-mortgage yakho inokuba sisicwangciso esihle.
Ukuba sele usifakile isicelo semali-mboleko, uqikelelo lwemali-mboleko yombolekisi wakho kufuneka lubonise iindleko zexesha elide zemboleko yakho entsha. Ukongeza, iNkcazo yokuVala, ekufuneka uyifumene ubuncinci iintsuku ezintathu zomsebenzi phambi kokuvalwa, iya kunika iinkcukacha ngeendleko zokuvala.
Ngokuqhelekileyo, akukho malunga nokuba umbolekisi uya kukuvumela ukuba ubandakanye iindleko zokuvala kwi-mortgage yakho. Kungumbuzo wokuba ingaba inkqubo-mboleko oyisebenzisayo iya kukuvumela ukuba ubandakanye iindleko zokuvala.
Amaxesha amaninzi xa ababolekisi bebhengeza iimali zokubambisa ezingabizi ndleko okanye zero, babhekisa kulungiselelo olwahlukileyo, olubandakanya umbolekisi ahlawule iindleko zokuvala ukuze afumane inzala ephezulu. Oku kubizwa ngokuba "yikhredithi yombolekisi."
Imali mboleko yendlu yokuphucula ikhaya
Ityala elinenzala ephezulu elisuka kumakhadi okuthenga ngetyala okanye kwimali-mboleko lenza kube nzima ukulawula iimali zakho. Kodwa ukuba ungumnikazi wendlu, unokwandisa ukulingana kwekhaya lakho. Dibanisa imali oyibambayo kwi-mortgage yokuqinisa amatyala (ekwabizwa ngokuba yi-mortgage yesiqheloIvula i-popup.), imali-mboleko yezindlu, okanye umgca wetyala.
Ukudityaniswa kwetyala yinkxaso-mali yetyala elidibanisa iimali-mboleko ezi-2 okanye ngaphezulu zibe nye. I-credit consolidation mortgage yimali-mboleko yexesha elide ebonelela ngemali yokuhlawula amatyala amaninzi ngexesha elinye. Nje ukuba amanye amatyala akho ahlawulwe, kuya kufuneka uhlawule imali-mboleko enye kuphela, endaweni yokuninzi.
Ukudibanisa amatyala akho, cela umbolekisi wakho ukuba akuboleke imali elingana okanye enkulu kunemali osityala yona. Ukudityaniswa kunceda kakhulu kwimali-mboleko enenzala ephezulu, efana namakhadi okuthenga ngetyala. Ngokwesiqhelo, umbolekisi uhlawula lonke ityala eliseleyo kwaye bonke abatyalwayo bahlawulwa kanye.
Ukudityaniswa kwetyala yindlela elungileyo yokulungelelanisa iimali zakho. Kodwa ngaphambi kokuba ukhuphe imali kwikhaya lakho okanye uhlaziye imali yakho yokuboleka imali, funda ngakumbi malunga nokulawula ityala lakho. Ezi ngcebiso zi-6 zinokukunceda:
Yintoni i-mortgage advance
Ungafuna ukuyixhasa ngezimali imali-mboleko yakho ukuba unengxaki yokwenza iintlawulo zendlu-mboleko yakho okanye ukuthatha ithuba lenzala ephantsi. Nangona kunjalo, unokufuna ukucela ukuguqulwa kwemali mboleko kumbolekisi wakho. Zombini iimali-mboleko kunye nohlengahlengiso lwemali-mboleko zinezibonelelo zazo kunye nokungalunganga. Kubalulekile ukuba wenze uphando lwakho phambi kokuba wenze isigqibo.
Makhe sijonge omnye umahluko phakathi kweemali-mboleko kunye nohlengahlengiso lwemali-mboleko. Siza kukubonisa xa ulungiso lungcono kunolwakhiwo lwemali, kwaye ngokuphendululekileyo. Ekugqibeleni, siya kukuxelela indlela yokucela zombini.
Uhlengahlengiso lwemali-mboleko lutshintsho kwimiqathango yokuqala yemali mboleko yakho. Ngokungafaniyo ne-refinance, ukuguqulwa kwemboleko-mali akuyikurhoxisa imali obolekwa ngayo ngoku kwaye endaweni yayo kufake entsha. Endaweni yoko, itshintsha ngokuthe ngqo imiqathango yemali mboleko yakho.
Kukwabalulekile ukwazi ukuba iinkqubo zohlengahlengiso zinokuchaphazela kakubi amanqaku akho etyala. Ukuba ungowangoku kwimali-mboleko yakho, unokufuna ukuphonononga ukhetho lwakho kwaye ubone ukuba ungasifaka na isicelo semali-mboleko.
Isibali seMali-mboleko eyongezelelweyo
Ukuba neemali mboleko ezimbini akunqabile njengoko unokucinga. Abantu abakha ukulingana okwaneleyo kumakhaya abo bahlala bekhetha ukuthatha i-mortgage yesibini. Banokuyisebenzisa le mali ukuhlawula amatyala, ukuthumela umntwana ekholejini, ukuxhasa ngezimali ukuqalisa ishishini, okanye ukuthenga kakhulu. Abanye basebenzisa i-mortgage yesibini ukunyusa ixabiso lezindlu zabo okanye ipropathi ngokuhlaziya okanye ukwakha izongezo ezifana nedama lokuqubha.
Nangona kunjalo, ukuba neemali mboleko ezimbini kunokuba nzima kunokuba ube nenye kuphela. Ngethamsanqa, kukho iindlela zokudibanisa okanye ukudibanisa iimali-mboleko ezimbini kwimali-mboleko enye. Kodwa inkqubo yokudibanisa ngokwayo ingaba nzima kwaye izibalo zingenakufaneleka ekugqibeleni.
Makhe sijonge umzekelo: Uthathe i-equity line yetyala kwiminyaka elishumi nangaphezulu eyadlulayo, kwaye ngexesha lokutsalwa kwetyala-ixesha onokuthi "uzoba" kumgca wakho wetyala-ubuhlawula imali elawulekayo: $275 ngenyanga. . ngenyanga ngetyala le-100.000 yeedola.
Ngokwemiqathango yale mboleko, emva kweminyaka elishumi ixesha lokubuyisela libe lixesha lokubuyisela: iminyaka eyi-15 elandelayo apho kufuneka uhlawule imali-mboleko njengokungathi i-mortgage. Kodwa mhlawumbi ubungalindelanga ukuba intlawulo yeedola ezingama-275 ijike ibe yintlawulo yeedola ezingama-700 ezinokuya phezulu nangaphezulu ukuba izinga lokuqala liyenyuka.
