Ngaba kunzima ukufumana imali-mboleko ngoku?
Eyona nto ingcono onokuyenza ukwandisa amathuba akho okufumana imali mboleko kukusebenzisa umcebisi wemali mboleko. Ukufaka isicelo semali mboleko yinkqubo entsonkothileyo kwaye iyabhidisa, kodwa abarhwebi bezindlu ezibolekayo bayanceda ukuqinisekisa ukuba uyenza kakuhle.
Khumbula ukuba ezona propati zibiza kakhulu ziya kuxhomekeka kwirhafu kwizenzo ezisemthethweni ezibhaliweyo. Ngoko xa ucinga ngento onokukwazi ukuyifikelela, kuya kufuneka uyikhumbule loo nto. Cinga ngokusebenzisa isibali sesitampu se-intanethi ukuqikelela iindleko ezongezelelweyo ezinokungena.
Zama ukuvala ii-akhawunti zebhanki ezindala okanye ezingasebenziyo. Kwakhona, qiniseka ukuba uhlawula onke amatyala ngexesha. Oku kusenokubonakala kucacile, kodwa ukubamba ixesha kutyeshelwa ngabaninzi kulo mbandela. Indlela ecetyiswayo yokuqinisekisa ukuba awulibali yidebhithi ngqo.
Ukuba unokukuphepha ukufaka isicelo salo naluphi na uhlobo lwetyala, yenza njalo. Kunconywa ukuba ungafaki isicelo samakhadi ekhredithi, njl., kwangaphambili, phakathi kwe-3 kunye ne-6 yeenyanga ubuncinane. Nokuba awusifaki isicelo sekhadi letyala, imali-mboleko, i-ovadrafti, okanye isivumelwano sefowuni, into yokuba usifakile isicelo iya kubonakala kwingxelo. Oku kunokusichaphazela kakubi isicelo sakho.
Indlela yokufumana imali-mboleko njengomthengi wokuqala
Ii-Mortgages zivavanywaNjani izicelo zokubolekwa kwezindlu?…Iilwimi Ezikhoyo Phambi kokuba ufake isicelo semali-mboleko, ukuze uzinike elona thuba lihle lokuvunywa, kubalulekile (singakhankanyi luncedo) ukuba uqaphele yonke into engena kwi-mortgage appraisal kunye nokuba yintoni kanye umbolekisi aza kujonga ngayo.
Ngokucacileyo, ababolekisi baya kujonga umvuzo wakho wonyaka xa ufaka isicelo semali mboleko, kwaye abanye banokude bafake iibhonasi okanye ixesha elongezelelweyo. Abanye ababolekisi banokwenza ingeniso yerenti ukuba uceba ukurenta amagumbi asecaleni, ke le yinto ekufuneka uyiqwalasele kwaye uyixoxe.
Ukongeza kwingeniso, umbolekisi uya kufuna ukubona imbali ecacileyo nengaguquguqukiyo yokonga. Oku kubonisa umbolekisi ukuba unamandla okugcina, ukuba unoxanduva ngemali yakho, kwaye uqokelele imali eyaneleyo yokuhlawula idiphozithi kunye nezinye iindleko ezibandakanyekayo ekuthengeni ikhaya.
i-tilbakemelding
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, lowo ulumkiswe kwangaphambili uxhobile, ngoko ke siyathemba ukuba ezi ngcebiso ziluncedo ziya kukuvumela ukuba ujoyine abonwabileyo abangama-70% abasebenzisa i-surf ngaphandle kweengxaki.
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.
Indlela yokufumana imali mboleko yendlu
Ukuba ufuna ukuthenga indlu kule marike yezindlu ezishushu, yazi ukuba kule mihla kunzima ukufumana imali yokubambisa. Imakethi yemali-mboleko iqine ngendlela emangalisayo kwaye ngababoleki kuphela abanelona tyala libalaseleyo bafumana awona maxabiso angcono.
Ndabelane nawe olona hambo lwam lwamva nje nolubuhlungu lokulungela ukuboleka imali. Akukapheli okwangoku, njengoko umkhuseli ngoku ufuna ikopi esayinwe yiCPA yam kwiletahedi yenkampani yazo zonke iimali zenkampani yam.
Umgcini zincwadi zemali wam undixelele ukuba ubize i-$3.800 ngophicotho-zincwadi olubanzi, ndiye ndamxelela ukuba atsibe echibini. Endaweni yoko, ndathumela imali yenkampani yam kunye notyikityo lwam kwaye ndaxelela ibhanki yam ukuba iyithathe okanye iyishiye. Ndicinga ukuba baya kuyamkela kuba ndidibene nayo yonke ingongoma kuluhlu lwabo lokuhlola olunamanqaku angama-21. Sobona.
Ukuba ucaphuka msinya, ndicebisa ukuba utsibe le post. Kodwa ukuba unako ukusingatha inyaniso, kwaye ukuba ufuna ukufumana imbono encinane kumntu olawula izigidi zeedola kwiimali mboleko ukuze anelise iminqweno yabathengi basekhaya, funda.
Ukusukela ngo-2009, urhulumente wenze ummiselo omkhulu kwiibhanki ukuze zingaphindi kwakhona ingxaki yezindlu. Umzekelo, i-CPA yeletahedi kunye nemfuneko yotyikityo kutshanje yaziswa ngoFebruwari 2014, kwaye ibangela intloko ebuhlungu kwiitoni zabanini bamashishini amancinci eMelika. CPAs ubiza iimali usurious ukuphicotha kuba ziyakwazi. Ngeli xesha, urhulumente usenza ukuba singenise iphepha elitsha le-7-10 loqikelelo lokholo oluhle ngalo lonke ixesha sitshintsha inani elinye.
