Ukuba indlu yam ihlawulelwe, yimalini endiyidingayo ukuze ndithathe umhlala-phantsi?
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.
Ngawaphi amaxwebhu endiwafumanayo emva kokuhlawula imali mboleko?
Xa uhlawula i-mortgage kwaye uhlangabezana nemigaqo yesivumelwano se-mortgage, umbolekisi akayeki ngokuzenzekelayo amalungelo kwipropati yakho. Kukho amanyathelo ekufuneka uwalandele. Le nkqubo ibizwa ngokuba yimali-mboleko yezindlu.
Le nkqubo iyahluka ngokuxhomekeke kwiphondo okanye ummandla wakho. Kwiimeko ezininzi, usebenza negqwetha, unobhala wenkundla, okanye umkomishinala wesifungo. Amanye amaphondo kunye nemimandla ikuvumela ukuba wenze umsebenzi ngokwakho. Gcina ukhumbula ukuba nokuba uyenza ngokwakho, unokufuna ukufumana amaxwebhu akho abhalwe ngumsebenzi oqeqeshiweyo, njengegqwetha okanye notary.
Ngokuqhelekileyo, umbolekisi wakho uya kukunika isiqinisekiso sokuba uyihlawule ngokupheleleyo imali-mboleko. Uninzi lwababolekisi aluthumeli esi siqinisekiso ngaphandle kokuba usicelile. Jonga ukuba ngaba umbolekisi wakho unenkqubo esesikweni yesi sicelo.
Wena, igqwetha lakho okanye ummeli wakho kufuneka anike iofisi yobhaliso lwepropathi ngawo onke amaxwebhu ayimfuneko. Nje ukuba amaxwebhu afunyenwe, ukubhaliswa kwepropati kuphelisa amalungelo omboleki kwipropati yakho. Bahlaziya isihloko sepropathi yakho ukubonisa olu tshintsho.
Ndilihlawule ityala lam lemali-mboleko, ndingalufumana uxwebhu lwesiqinisekiso?
Emva kokuhlawula imali-mboleko, unokufumana imvakalelo entsha yokuzingca kwikhaya lakho. Indlu yeyakho nyani. Uya kuba nemali eyongezelelweyo ekhoyo nyanga nganye, kwaye uya kuba kumngcipheko ophantsi kakhulu wokuphulukana nekhaya lakho ukuba ubethe amaxesha anzima.
Kusenokufuneka wenze ngaphezu kwentlawulo yokugqibela yokubambisa ukuze ugqibezele ubume bakho obutsha bokuba ngumnini-ndlu. Fumanisa ukuba kufuneka kwenzeke ntoni na xa uhlawula imali-mboleko yakho ukuze uqiniseke ukuba simahla.
Ngaphambi kokuba wenze intlawulo yakho yokugqibela yemali-mboleko, kuya kufuneka ucele umboneleli wakho wemali-mboleko ukuba akuqikelele intlawulo. Unokwenza oku rhoqo ngewebhusayithi yenkonzo ngelixa uqhagamshelwe kwiakhawunti yakho yemali mboleko yendlu. Ukuba akunjalo, ungababiza. Yiba nenombolo yakho yemali-mboleko. Uya kuyifumana kwisiteyitimenti sakho sokubambisa.
Uhlahlo lwabiwo-mali lwe-amortization luya kukuxelela ngokuthe ngqo ukuba yimalini na inqununu kunye nenzala ekufuneka uyihlawule ukuze ube nekhaya lakho ngaphandle kwee-liens. Iya kukuxelela nomhla ekufuneka uyihlawule. Ukuba kuthatha ixesha elide, akuyongxaki enkulu. Uya kuba netyala lenzala ethe chatha.
Umndilili weminyaka yokuhlawula imali mboleko eCanada
Ngoko ke ujonge phambili ekujoyineni phantse i40% yabaninimzi baseMelika abangabanini bamakhaya abo.1 Ngaba unokuyicingela? Xa ibhanki ingenalo indlu yakho kwaye uhamba phezu kwengca yakho, ingca ivakalelwa ngokwahlukileyo phantsi kweenyawo zakho: inkululeko leyo.
Kulungile, ngoko mhlawumbi sele uyazi ukuba idola nganye oyongezayo kwintlawulo yakho yokubambisa ibeka i-dent enkulu kwibhalansi yakho eyintloko. Kwaye oko kuthetha ukuba ukuba wongeza enye intlawulo eyongezelelweyo ngonyaka, uya kunciphisa ixesha lemali mboleko yakho ngeminyaka eliqela, ungasathethi ke ngokugcina inzala.
Masithi uneminyaka engama-220.000, i-mortgage ye-$ 30 enezinga lenzala ye-4%. Ikhatyhuleyitha yethu yokubambisa i-amortization inokukubonisa indlela yokwenza intlawulo yendlu eyongezelelweyo (i-$ 1.050) kwikota nganye iya kuhlawula imali yakho ye-mortgage kwiminyaka eyi-11 kwangethuba kwaye wonge ngaphezu kwe-65.000 yeedola kwinzala.
Abanye ababolekisi bezindlu bavumela ukuba ubhale iintlawulo ze-biweekly mortgage. Oku kuthetha ukuba ungenza isiqingatha sentlawulo yakho yokubambisa rhoqo kwiiveki ezimbini. Oku kukhokelela kwiintlawulo ezingama-26 zesiqingatha, ezilingana neentlawulo zenyanga ezili-13 ezipheleleyo ngonyaka. Ngokusekwe kumzekelo wethu ongentla, loo ntlawulo ingaphezulu inokuthatha iminyaka emine kwimali-mboleko yakho yeminyaka engama-30 kwaye ikugcinele inzala engaphezu kwama-25.000 eerandi.
