Thenga ipropati esetyenziselwa izinto ezixubeneyo
Ukusukela ngo-1898, siye sagxila ekukubekeni kuqala. Ukusuka kwiingcambu zethu ezithobekileyo kwi-Arkansas yenkulungwane ye-40, sikhule saba yindawo yokuboleka imali eneofisi kumazwe angaphezu kwama-XNUMX. Oku kukhula kuphenjelelwa sisimo sethu sengqondo sokubeka umthengi kuqala kunye nokwenza izigqibo ngokusekelwe kokona kukulungeleyo.
Rhoqo ngonyaka, izigidi zabantu baseMelika bafumana ubusela bezazisi. I-BOE Mortgage ifuna ukuba ube nolwazi oludingayo ukuze uzikhusele ekubiweni kwezazisi. Nangona kungekho ziqinisekiso zokuthintela ubusela besazisi.
Elona xesha liphezulu lokuthenga nokuthengisa amakhaya kwiinyanga zasehlotyeni. Xa ikwindla ifika abantu bafuna ukuqalisa ukuzinza ngokulungiselela isikolo kunye nexesha leholide. Kodwa oku akuthethi ukuba baninzi abantu abasafuna ukuthengisa.
Zikulungele ukuba ujonge ukwakha ubutyebi ngokuthengwa kwe-mortgage ezinzileyo, yemveli. Iqela lethu elibolekayo linokudibanisa i-spreadsheet ebanzi ebonisa umahluko wentlawulo phakathi kokhetho lwemali-mboleko yexabiso elimiselweyo. Ziya kuxoxwa kunye nomthengi ukunceda ukugqiba ukhetho olulungele iimfuno zabo.
ukusetyenziswa okuxubeneyo kwi-mortgage uk
Nangona kunjalo, zininzi iindawo zokugcina iimpahla eziguquliweyo ezisetyenziswa njengeendawo zokuyila ezinendawo yokuhlala ngaphakathi. Kwiimeko ezininzi, ezi zakhiwo zineendlela eziphambili zokuvezwa kunye nokufikelela kwindlela engasemva, ezenza zilungele umhlali kunye neshishini.
» …Ukwazile ukusifumana ngokukhawuleza kunye nobuncinci bengxabano, imali-mboleko enenzala elungileyo xa abanye besixelela ukuba kuya kuba nzima kakhulu. Ndichukumiseke kakhulu yinkonzo yabo kwaye ndingacebisa kakhulu iiNgcali zeMali mboleko kwixa elizayo”
“… benze isicelo kunye nenkqubo yolungiso lwaba lula kakhulu kwaye bangenaxinzelelo. Banikezela ngolwazi olucacileyo kwaye bakhawuleza ukuphendula kuyo nayiphi na imibuzo. Bezicace kakhulu kuzo zonke iinkalo zenkqubo.”
ipropathi yorhwebo
Utyalo-mali kwiipropathi ezixubeneyo zonwabele ukuthandwa kakhulu kumaxesha amva nje. Eli nqaku lifundisayo lichaza ukuba luyintoni olu tyalo-mali, kutheni lufunwa ngoku, kwaye ungalindela ntoni xa ufaka isicelo semali mboleko kwenye yazo.
Aba baboneleli basoloko bevavanya izicelo zomntu ngamnye ngokweemfanelo zabo, benika ingqwalasela ethe kratya kwiinkcukacha zemeko ethile kunokuba benokwenza ngepropati eqhelekileyo yokuthenga-ukuba-vumela.
Oku kubangelwa ubukhulu becala kwinto yokuba kukho izinto ezininzi ezidlalwayo ekufuneka ziqwalaselwe, njengohlobo oluthile lokuqeshisa oluya kufunwa licala leshishini lotyalo-mali.
Nangona utyalo-mali oluxubeneyo lwezindlu nomhlaba lufuna uhlobo olukhethekileyo lwemali yokubambisa, sinokukhangela kubaboneleli abohlukeneyo ababonelela ngale mveliso ikhethekileyo kwaye sifumane eyona ifanele iimeko zakho ezithile.
Kwiimeko ezininzi, ukuba kukho into yokuthengisa (umzekelo, ivenkile, iworkshop, indawo yokuthengisa, okanye indawo yokugcina impahla yokusetyenziswa kweshishini elithile) kwaye inxalenye yesakhiwo yindawo yokuhlala, impendulo idla ngokuba ewe.
UMnikazi oSebenzisiweyo kwiMali-mboleko yoRhwebo
Ukusukela oko sasungulwa, siphindaphinde ubungakanani bephaneli yethu yearhente, sakhe amaqela ethu, satyala imali kwitekhnoloji, kwaye sigxile ekwandiseni uluhlu lwemveliso yethu kunye nokucokisa imigaqo-nkqubo yethu. Senze konke oku ukubonelela ngeyona nkonzo ibalaseleyo yobuqu kubo bonke abathengi bethu, kwaye yinto esiyithanda kakhulu. ”
Umbolekisi wezorhwebo ukwabonakalise ukuzibophelela kwakhe kolu shishino ngokuxhasa elona nqanaba lembasa elithi "Intshatsheli yeNdawo yokuThengisa eGqwesileyo yoNyaka". UTom wagqabaza wathi: “Sivuyisana neWatts Commercial ephumelele imbasa yokuba ngoyena mntu wazisa urhwebo ogqwesileyo enyakeni nabo bonke abangene kumjikelo wokugqibela kwicandelo.
“Siyaqonda ukuba abarhwebi badlala indima ebalulekileyo kwishishini lokubolekisa ngemali. Sinobudlelwane obude kunye nabathengisi bethu kunye nabaqalisi bethu, ngoko siyakuvuyela ukuxhasa eli bhaso, ukubhiyozela kwaye samkela abona babazisi babalaseleyo kwishishini ngokuzinikela kunye negalelo labo, ngakumbi emva komnye unyaka onzima. ”
Ukusuka kumbono wemveliso, sigxile ekuphuculeni isindululo sokuthenga ikhaya kubudlelwane obulinganiselweyo. Sibhengeze utshintsho esilwenzileyo kunye nokuqaliswa kweemveliso ezintsha kule ncwadana. Kwiphepha elilandelayo sinikeze isishwankathelo sazo zonke iikhrayitheriya zethu zangoku ezilinganiselweyo zokuthenga ukuze zisetyenziswe ngokulula.
