Ngaba iindleko zokuhlaziya zingongezwa kwimali yokubambisa eqhelekileyo?
Nangona abantu abaninzi bejonge ukuthenga amakhaya ukuze bawalungise, amaxabiso aphezulu ezixhobo zokuhlaziya, izibonelelo, kunye nabasebenzi bathetha ukuba kufuneka bongeze iindleko zokuhlaziya kwimali-mboleko yabo. Kwaye ngamanye amaxesha abaninimzi bafuna uncedo lokuhlawulela ukulungiswa ukuze bagcine ikhaya lihlala okanye likhululeke ngakumbi.
Igama elithi "renovation mortgage" libhekisela kwimali-mboleko ekhuselwe yi-real estate ukuze ihlaziywe. Isixa, izinga lenzala, ubude bexesha kunye neminye imiqathango yemali-mboleko ixhomekeke kuhlobo lwemali mboleko yokulungiswa kwendlu oyifumanayo.
Inyathelo lokuqala kukugqiba ngento ofuna ukuyenza okanye ofuna ukuyenza. Okulandelayo, kuya kufuneka ufumane uqikelelo lweendleko zakho. Oku kunokukunceda ukuba ucuthe ukhetho lwakho lwenkxaso-mali yokubambisa ngokutsha kwaye ubone ukuba imali-mboleko yendlu yokubuyisela inokusebenza njani kwimeko yakho.
Ezinye zezi zikhetho zenkxaso-mali yokulungiswa kwekhaya zinomtsalane kuba zilula kwaye zikhawuleza ukuseta kunye nokufikelela. Nangona kunjalo, ukuba ucwangcisa iprojekthi enkulu yokuhlaziya, imali mboleko yendlu yokulungiswa kwendlu inokubonelela ngezi zibonelelo zilandelayo:
Ukuhlaziywa kwe-mortgage yomthengi wokuqala
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala nongakhethi cala, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Uhlaziyo lwabaBolekisi beMali-mboleko
Imali mboleko ye-FHA 203(k) yenza lula inkqubo yokuhlaziya ikhaya ngokukuvumela ukuba uboleke imali yokuthenga ikhaya kunye neendleko zokulihlaziya usebenzisa imali-mboleko enye. I-FHA 203(k) imali-mboleko ixhaswa ngurhulumente wobumbano kwaye lukhetho olukhulu lwemali mboleko kwabo bafuna ukuthenga ikhaya kunye nokwenza uphuculo, ukulungiswa, uhlengahlengiso, okanye ukulungelelanisa iimfuno kunye neemfuno zabo. Imali mboleko yokuhlaziya ikuvumela ukuba uhlale kwikhaya lakho kunye nommelwane, ufunde ngakumbi malunga nokuba ungalifumana njani ikhaya lamaphupha akho!
Ukuba uceba ukuthenga ikhaya elisetyenzisiweyo okanye ufuna ukwenza uphuculo kwikhaya lakho langoku, i-FHA 203(k) mboleko inokuba yimali mboleko egqibeleleyo kuwe. Ukudibanisa iindleko zokuhlaziya kunye ne-mortgage yendlu yakho kunye ne-FHA 203(k) mboleko ikubonelela ngentlawulo enye yemali mboleko kunye nokuhlaziya.
Nangona kukho imigaqo eyodwa nezithintelo ezisebenzayo, 203(k) imali-mboleko ingasetyenziselwa ukuthenga nokuhlaziya iicondominiums³, iiyunithi ezimbini ukuya kwezine iipropati⁴, kunye nezakhiwo ezixubeneyo, kunye neendawo zokuhlala zosapho olunye kunye namakhaya kuphuhliso lweyunithi olucwangcisiweyo.
Ngaba kunokwenzeka ukufumana i-mortgage yesixa esikhulu kuneso sokuthenga ukwenza uhlaziyo?
Imarike yemali mboleko yemali-mboleko inokhuphiswano kakhulu kwaye iimeko ziyatshintsha ngokunjalo. Kungenxa yokuba i-mortgage loan inexesha le-20 ukuya kwi-30 iminyaka ayithethi ukuba ifanele ibotshelelwe kumbolekisi ofanayo ngelo xesha.
Ababolekisi abatshintshayo bahlala bebonelela ngexabiso lenzala elingcono kunye neempawu, kodwa kuya kufuneka uhlawule iindleko zokubuyisela imali. Ukuthethathethana nombolekisi wakho wangoku kunye nokwandisa imali mboleko yakho kunye nabo kunokukuvumela ukuba uphephe ezi ndleko.
Umthetho olungileyo wokuba uchithe malini kuhlaziyo lwakho kukuba ungachithi ngaphezulu kwe-10% yexabiso lepropathi ephakathi. Sebenzisa i-amortization calculator yethu ukufumanisa ukuba yimalini ekufuneka uyiboleke.
Ukuba ubusenza iintlawulo ezongezelelweyo kwimali mboleko yakho yendlu, ukuphinda usasaze ezinye zezi ntlawulo kwangethuba kunokunceda ekuxhaseni ngemali ukulungiswa kwakho. Ewe kunjalo, uya kukwazi ukusebenzisa kuphela isixa esongezelelweyo, ke qiniseka ukuba sixabisa kakhulu phambi kokuba uyisebenzise kwakhona.
Ixabiso lendlu ngumahluko phakathi kwexabiso lendlu kunye nesixa osibambayo kwi-mortgage. Ngamafutshane, yinxalenye yendlu yakho yeyakho. Ababolekisi baya kukuvumela ukuba usebenzise i-equity ekhaya njengesibambiso sediphozithi ukuze ukwazi ukuboleka imali nge-home equity loan.
