Izicelo ezininzi zokubambisa
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.
Bank of america isicelo mortgage
Ukufaka isicelo kubabolekisi bezindlu ezininzi kukuvumela ukuba uthelekise amaxabiso kunye nemirhumo ukuze ufumane eyona ntlawulo ilungileyo. Ukuba nezibonelelo ezininzi esandleni kunika inzuzo xa uthethathethwano nababolekisi abahlukeneyo. Nangona kunjalo, ukufaka isicelo kunye nababolekisi abaninzi kunokukhokelela kwimibuzo yekhredithi ethoba amanqaku akho, kwaye inokubangela izandyondyo zeefowuni kunye nezicelo ezingafunekiyo.
Kunzima ukwazi ukuba ufumana esona sivumelwano singcono ukuba awukhange uthenge apha. Ndiyabulela kwimithetho enciphisa ukuhlawulwa kweenkampani zokubolekwa kwezindlu, kukho ukuhluka okuncinci kumaxabiso kunye neentlawulo ezivela kwinkampani enye ukuya kwenye kunexesha elidlulileyo, umzekelo, ngexesha le-2000. Nangona kunjalo, ukungafani okufihlakeleyo kuhleli, kwaye yintoni Ngoku ibonakala ngathi incinci. ukonga izinga lenzala kunokutolika imali eninzi kwi-15 okanye i-30 ye-mortgages yonyaka. Sebenzisa isixhobo sokubala sokubala ukuze uthelekise indlela amaxabiso awohlukileyo anokuchaphazela ngayo intlawulo yakho yenyanga.
Kwakhona, ababolekisi abahlukeneyo bokwakha iimali-mboleko ngokwahlukileyo ngokwemilinganiselo kunye neendleko zokuvala, ezihambelana ngokungafaniyo. Abanye ababolekisi banyusa iindleko zokuvala ukuthoba inzala, ngelixa abanye ababhengeza iindleko zokuvala eziphantsi okanye abangenazo banika inzala ephezulu njengembuyekezo.
Bangaphi ababolekisi bezindlu ekufuneka ndifake isicelo ngeReddit?
Esinye isizathu sokuthenga macala onke kukuba iinkqubo zokuboleka imali, iindleko zokuvala, inzala, kunye nenkonzo zinokwahluka kakhulu ukusuka kumbolekisi ukuya kumbolekisi. Ukufumana ngaphezulu kwemvume yemali mboleko kukuvumela ukuba uvavanye amanzi kunye nababolekisi kwaye uthelekise iikowuti zemboleko.
I-Consumer Financial Protection Bureau (CFPB) ibango lokuba ukuba nje i-20% yabathengi bezindlu bafumana uhlahlo lwabiwo-mali olongezelelweyo, baya kugcina ngokuhlangeneyo i-4.000 yeebhiliyoni zeedola ngonyaka ngenxa yokhuphiswano olwandisiweyo phakathi kwababolekisi bezindlu.
Ngaphezu koko, kwiminyaka yabathengisi be-mortgage kwi-intanethi, ukufaneleka kwangaphambili kunye nokuvunywa kwangaphambili, ababoleki ngoku banezixhobo ezininzi kunanini na ngaphambili ukuze bafumane elona xabiso lilungileyo, ngaphandle kokuba bangenise isicelo esisemthethweni sokubambisa.
UFreddie Mac ubonisa ukuba abathengi bezindlu abafake izicelo amaxesha amaninzi bawanciphisa amathuba okufumana imali mboleko engathandekiyo phantse nge-5%. Ngelixa abathengi bezindlu ababekhangela kuphela bahlawula amaxabiso aphezulu okubambisa imali kunabanye ababoleki.
Olu gcino luqinisekiswa luphononongo lwe-CFPB olufumene ukuba "ukungaphumeleli ukuyothenga malunga ne-mortgage kubiza umthengi ophakathi malunga ne-$ 300 ngonyaka kunye namawaka amaninzi eedola ebomini bomboleko."
Ngaba ungasebenzela iinkampani ezimbini zokubambisa ngaxeshanye?
Ukusukela kwi-dotcom boom ngasekupheleni kweminyaka yoo-90, iinkampani zokubambisa kwi-Intanethi ziye zaba ngamandla abalulekileyo kushishino lokubolekisa ngezindlu. Eyona ndlela iphambili yiRocket Mortgage, ngoku eyona mboleki inkulu yesizwe. I-Rocket Mortgage ngaphambili yayibizwa ngokuba yiMali-mboleko eKhawulezayo kodwa yatshintsha igama layo ngoMeyi ka-2021 ukuze ihambelane nenkampani yabazali bayo IiNkampani zeRocket.
Ngaba ukukhula kwabadlali abafana ne-Rocket Mortgage, ababonelela ngenkqubo yokuvunywa ngokuzenzekelayo ngeqonga labo, kuthetha ukuba iinkampani ezisekelwe kwiwebhu zinokunikela ngakumbi kunebhanki yoluntu phantsi kwesitrato? Akunjalo. Apho uya khona ukuze ufumane imali-mboleko ubukhulu becala kuxhomekeke kokona kukulungeleyo nalapho unokufumana khona awona mazinga enzala angcono.
Zombini ezi ntlobo zababolekisi zibonelela ngokuvunywa kwangaphambili kwe-mortgage. Ukuvunywa kwangaphambili ngamanye amaxesha kunokukunceda ufumane isithembiso sekhaya samkelwe. Nangona kunjalo, kukho ezinye iiyantlukwano ezibalulekileyo phakathi kwazo ezinokuthi zibonise ukuba yeyiphi oyifumana ikhethwayo.
Ukuya kumbolekisi we-intanethi kunika izibonelelo ezithile, ngakumbi ukuba ungumntu othanda ukuziva ulawula inkqubo yemboleko. Izinto eziluncedo zokuhamba nenkampani efana neRocket Mortgage ibandakanya:
