Imali yemvelaphi
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, 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.
IInshshu
Iindleko zokuvala i-mortgage yimali oyihlawulayo xa uboleka imali, nokuba uthenga ipropati okanye uhlawulela ngokutsha. Kufuneka ulindele ukuhlawula phakathi kwe-2% kunye ne-5% yexabiso lokuthenga lepropati yakho kwiindleko zokuvala. Ukuba uza kuthatha i-inshurensi ye-mortgage, ezi ndleko zinokuba phezulu.
Iindleko zokuvala ziindleko ozihlawulayo xa uvala ukuthenga ikhaya okanye enye indawo. Ezi ndleko ziquka iimali zesicelo, iimali zamagqwetha, kunye namanqaku esaphulelo, ukuba kufanelekile. Ukuba iikomishoni zokuthengisa kunye neerhafu zibandakanyiwe, iindleko zokuvala i-real estate zizonke zingasondela kwi-15% yexabiso lokuthengwa kwepropati.
Nangona ezi ndleko zinokuba lukhulu, umthengisi uhlawula ezinye zazo, ezifana ne-real estate commission, enokuba malunga ne-6% yexabiso lokuthenga. Nangona kunjalo, ezinye iindleko zokuvala ziluxanduva lomthengi.
Isimbuku seendleko zokuvala ezihlawulweyo kuthengiselwano lwezindlu zahluka kakhulu, kuxhomekeka kwixabiso elithengiweyo lendlu, uhlobo lwemali-mboleko, kunye nombolekisi osetyenzisiweyo. Kwezinye iimeko, iindleko zokuvala zingaba ngaphantsi kwe-1% okanye i-2% yexabiso lokuthengwa kwepropati. Kwezinye iimeko – ezibandakanya abathengisi-mali mboleko kunye nee-arhente zezindlu, umzekelo – iindleko zokuvala zizonke zinokugqitha kwi-15% yexabiso lokuthenga ipropati.
I-inshurensi ye-mortgage evela kubabolekisi
Kuyo yonke indawo uva ukuba kubi kangakanani ukuba namatyala. Ngoko, ngokwemvelo, kuyacaca ukuba ukuthenga ikhaya ngemali-okanye ukubeka imali eninzi kwikhaya lakho ngokusemandleni ukuze ugweme ityala elikhulu elinxulumene ne-mortgage-lolona khetho luhlakaniphile kwimpilo yakho yezemali.
Ukuhlawula imali yendlu kuphelisa imfuneko yokuhlawula inzala kwimali-mboleko kunye neendleko zokuvala. “Akukho ntlawulo yemali-mboleko, imirhumo yovavanyo, okanye ezinye iimali ezihlawuliswa ababolekisi ukuze bajonge abathengi,” utshilo uRobert Semrad, JD, iqabane eliphezulu kunye nomseki we-Chicago-based DebtStoppers Bankruptcy Law Firm.
Ukuhlawula ngemali ezinkozo nako kudla ngokuba nomtsalane ngakumbi kubathengisi. “Kwimalike ekhuphisanayo, umthengisi kusenokwenzeka ukuba amkele isithembiso semali enye kunomnye kuba abanyanzelekanga ukuba baxhamle malunga nokuthengwa komthengi ngenxa yokwalelwa kwenkxaso-mali,” utshilo uPeter Grabel, umlawuli olawulayo weMLO Luxury Mortgage. eStamford, eConn. Ukuthengwa kwekhaya ngekheshi kukwanakho ukuvala ngokukhawuleza (ukuba kuyafunwa) kunento ebandakanya imali-mboleko, enokuba nomtsalane kumthengisi.
Ikhatyhuleyitha yeendleko ekuthengweni kwendlu
Ngaba ujonge igumbi elinye lokulala kufutshane nesixeko? Mhlawumbi ungathanda indlu enkulu enegadi ngaphandle. Xa unyusa imali yokuthenga ikhaya eligqibeleleyo, kubalulekile ukwazi iindleko zangaphambili zokuthenga ikhaya. Ukujonga iindleko ezinxulumeneyo ngaphandle kwediphozithi - njengerhafu karhulumente - kunokukunceda ukuba uphephe izinto ezothusayo.
Ezi ndleko zihambelana nokuqeshwa kwegqwetha okanye umphathi ogunyazisiweyo ukuba aqhube inkqubo yokudlulisela ipropati esuka kumnini wangaphambili isiwe kuwe. Isenokubandakanya iinkonzo ezinjengophononongo lwekhontrakthi kunye nolungiselelo lwamaxwebhu olungiso.
Xa ucela imali-mboleko engaphezulu kwe-80% yexabiso lepropati yakho, ngokuqhelekileyo kufuneka uhlawule i-IAM. Yi-inshurensi ekhusela umbolekisi xa engakwazi ukuhlangabezana nezavenge zemboleko kwixesha elizayo. I-IML yindleko onokuthi uyihlawule ngaphambili okanye, kuxhomekeke kwisixa se-IML ekufuneka uyihlawule, inokongezwa kwisixa semali mboleko yendlu.
Ukuqonda iindleko ezibandakanyekayo ekuthengeni ikhaya, ukongeza kwixabiso lokuthenga lepropati, kuya kukunceda ucwangcise ugcino lwakho ngokufanelekileyo. Ikwakunika umbono ocacileyo wento onokuyifikelela, ukuze ucuthe ukhangelo lwepropathi yakho kwaye ufumane ikhaya elilungele wena kunye nohlahlo lwabiwo-mali lwakho.
