Ngaba ndingathengisa imali-mboleko yam kwenye ibhanki?
Ababoleki bakhuselwe yimithetho yokukhusela abathengi, ebavumela ukuba balahle nayiphi na imali-mboleko ngaphambi kokuba ikhutshwe. Nangona kunjalo, emva kokuba imali-mboleko ikhutshiwe, abayi kukwazi ukudlulisela imali-mboleko komnye umbolekisi.
Kwabo bakwizigaba ezahlukeneyo zenkqubo yokuthenga ikhaya, owona mbuzo ubalulekileyo unokuba, “Ngaba ndingatshintsha ababolekisi ngaphambi kokuvala okanye ngexesha lokubhala phantsi? Ukubeka nje, abo baza kuthenga izindlu bakhululekile ukuba batshintshe ababolekisi bezindlu ngezindlu nakweliphi na ixesha kwinkqubo yokuthenga ikhaya, ngaphambi kokuba inkonzo iqale. Nje ukuba unikezelo lwenkonzo yendlu-mboleko okanye imbuyekezo iqalile, ekuphela kwendlela yokutshintsha ababolekisi bezindlu kukubuyisela imali yokubambisa.
Ngokuqhelekileyo, isizathu sotshintsho kukuba amazinga enzala atshintshile kwaye umboleki ufuna ukufumana ixabiso eliphantsi kunomboleki wokuqala onikiweyo. Kodwa ngaphambi kokuqhubela phambili nenzala ephantsi yemali-mboleko, kubalulekile ukuqinisekisa ukuba zonke iindleko zemboleko eziboniswe kwi-APR ziyathathelwa ingqalelo. Ngokuphonononga zonke iindleko, uya kuba nakho ukufumanisa ukuba uya kugcina imali kwi-mortgage yakho entsha.
Ngaba imali-mboleko yendlu inokugqithiselwa komnye umntu?
UJustin Pritchard, uCFP, ungumcebisi wentlawulo kunye neengcali ngezemali. Ibandakanya iibhanki, iimali-mboleko, utyalo-mali, imali yokubambisa kunye nokunye okuninzi kwiBalance. Une-MBA evela kwiYunivesithi yaseColorado kwaye usebenze kwiimanyano zamatyala kunye neefemu ezinkulu zemali, kunye nokubhala malunga nezezimali zomntu ngaphezu kweminyaka engamashumi amabini.
UThomas J. Brock yi-CFA kunye ne-CPA engaphezulu kweminyaka engama-20 yamava kwiinkalo ezahlukeneyo ezibandakanya utyalo-mali, ulawulo lwepotfoliyo ye-inshurensi, imali kunye ne-accounting, iingcebiso zotyalo-mali lomntu kunye nocwangciso lwezemali, kunye nophuhliso lwe-asethi. .
Xa indlu ithengiswa okanye ufuduka, kusenokuba sengqiqweni ukuzama ukudlulisela imali-mboleko yendlu kumnini omtsha. Kunokuba athabathe imali-mboleko entsha, ahlawule iindleko zokuvala, aze aqale ngokutsha ngenzala ephezulu, umnini omtsha unokuthabatha iintlawulo ezikhoyo.
Iimali-mboleko ezinokugqithiselwa zikhona. Zibizwa ngokuba "yimali-mboleko eqikelelwayo." Nangona kunjalo, azininzi ezinikezelwayo. Fumana ulwazi oluthe kratya malunga nokudlulisela imali-mboleko kunye nento onokuyenza xa ufuna ukudlulisela imali-mboleko, kodwa ayifikeleleki.
Ngaba ungathenga imali-mboleko yomntu ebhankini
Ababoleki bakhuselwe yimithetho yokhuseleko lwabathengi ebavumela ukuba babuye baphume kuyo nayiphi na imali-mboleko phambi kokuba ikhutshwe. Nangona kunjalo, xa imboleko ikhutshiwe, abayi kukwazi ukudlulisela imali-mboleko komnye umbolekisi.
Kwabo bakwizigaba ezahlukeneyo zenkqubo yokuthenga ikhaya, owona mbuzo ubalulekileyo unokuba, “Ngaba ndingatshintsha ababolekisi ngaphambi kokuvala okanye ngexesha lokubhala phantsi? Ukubeka nje, abo baza kuthenga izindlu bakhululekile ukuba batshintshe ababolekisi bezindlu ngezindlu nakweliphi na ixesha kwinkqubo yokuthenga ikhaya, ngaphambi kokuba inkonzo iqale. Nje ukuba unikezelo lwenkonzo yendlu-mboleko okanye imbuyekezo iqalile, ekuphela kwendlela yokutshintsha ababolekisi bezindlu kukubuyisela imali yokubambisa.
Ngokuqhelekileyo, isizathu sotshintsho kukuba amazinga enzala atshintshile kwaye umboleki ufuna ukufumana ixabiso eliphantsi kunomboleki wokuqala onikiweyo. Kodwa ngaphambi kokuqhubela phambili nenzala ephantsi yemali-mboleko, kubalulekile ukuqinisekisa ukuba zonke iindleko zemboleko eziboniswe kwi-APR ziyathathelwa ingqalelo. Ngokuphonononga zonke iindleko, uya kuba nakho ukufumanisa ukuba uya kugcina imali kwi-mortgage yakho entsha.
Iibhanki ezingawathengisiyo imali yokubambisa
Uninzi lwezibonelelo kunye namakhadi okuthenga ngetyala avela kule ndawo avela kubathengisi apho le webhusayithi ifumana kubo imbuyekezo ngokuvela kuyo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule ndawo (kubandakanywa, umzekelo, ulandelelwano oluvela ngayo). Ezi zinikezelo azimeli zonke iinketho zekhadi letyala kunye neakhawunti. *APY (Isivuno sepesenti yoNyaka). Uluhlu lwamanqaku ekhredithi lubonelelwe njengezikhokelo kuphela kwaye ukuvunywa akuqinisekwanga.
Nangona sicinga ukuba amaziko emali anemali eninzi, inyaniso kukuba ababolekisi kufuneka bagcine uvimba omkhulu wemali ukuze bakwazi ukuboleka abanye abantu.
Ukuba i-escrow yakho, kunye neentlawulo zakho zenyanga zerhafu yepropathi, i-inshurensi ye-mortgage, kunye / okanye i-inshurensi yengozi, ithathwa njengenganelanga, umncedisi wakho omtsha wemali-mboleko unokukwazi ukunyusa intlawulo yakho yenyanga.
Kwakhona kubalulekile ukuba uqaphele ukuba umncedisi wakho omtsha we-mortgage akakwazi ukukunyanzela ukuba usete i-akhawunti ye-escrow ukuba yayisekiwe ngaphambili ukuba ubunakho ukuhlawula irhafu kunye ne-inshurensi ngokwakho phantsi kwemboleko yakho yangaphambili.
