Inzala ezinzileyo
Umgaqo-nkqubo waBucala, kwaye njengoko kubonwa kuyimfuneko yiClover Mortgage Inc., ukusetyenzwa kwesicelo sakho semali mboleko kunye nesibongozo ngeyona ndlela ingcono. Oku kuquka, kodwa akuphelelanga apho, ukwabelana ngolwazi lwakho lobuqu nabasebenzi baseClover Mortgage Inc., iikontraka eziphantsi, kunye namaqela angaphandle amanyeneyo ngenjongo yokusetyenzwa kwesicelo sakho semali mboleko kunye nesicelo.
Umgaqo-nkqubo waBucala, nanjengoko kubonwa kuyimfuneko yiClover Mortgage Inc. ukuze kuqhutyekwe nesicelo sakho semali mboleko kunye nesibongozo ngeyona ndlela ingcono. Oku kuquka, kodwa akuphelelanga apho, ukwabelana ngolwazi lwakho lobuqu nabasebenzi baseClover Mortgage Inc., iikontraka eziphantsi, kunye namaqela angaphandle amanyeneyo ngenjongo yokuqhuba isicelo sakho semali mboleko kunye nesicelo.
Iindlela zokubolekwa kwezindlu eCanada
Iimali zokubolekwa kwezindlu eziguquguqukayo ngokuqhelekileyo zibonelela ngamaxabiso aphantsi kunye nokuguquguquka okungakumbi, kodwa ukuba iireyithi ziyenyuka, unokugqiba ukuhlawula ngaphezulu ekupheleni kwekota. Iimali mboleko ezimiselweyo zinokuba namaxabiso aphezulu, kodwa ziza nesiqinisekiso sokuba uya kuhlawula isixa esilinganayo nyanga nganye ngalo lonke ixesha.
Nanini na xa kukhontrakthi yokuboleka imali, enye yeendlela zokuqala kukwenza isigqibo phakathi kweereyithi ezimiselweyo okanye eziguquguqukayo. Kulula ukuba sesinye sezona zigqibo zibalulekileyo onokuthi uzenze, njengoko ziya kuchaphazela iintlawulo zakho zenyanga kunye neendleko zizonke zemboleko yakho ngokuhamba kwexesha. Nangona kusenokuhenda ukuhamba nelona zinga liphantsi linikezelwayo, akulula kangako. Zombini ezi ntlobo zemboleko zineenzuzo kunye neengxaki zazo, ngoko ke kufuneka uqonde ukuba i-fixed-rate kunye ne-variable-rate-rertgages isebenza njani ngaphambi kokuba wenze isigqibo.
Kwiimali mboleko ezimiselweyo, inzala iyafana kulo lonke ixesha. Ayinamsebenzi nokuba inzala iyenyuka okanye iyehla. Inzala yemali-mboleko yakho ayiyi kutshintsha kwaye uya kuhlawula isixa esifanayo ngenyanga nganye. Ixabiso lemali ebolekwayo lihlala linenzala ephezulu kunemali ebolekayo kuba iqinisekisa iqondo elingaguqukiyo.
Umyinge wemali mboleko eguqukayo
U-Kevin Davis akasebenzi, acebise, abe nezabelo, okanye afumane inkxaso-mali kuyo nayiphi na inkampani okanye umbutho onokuzuza kweli nqaku, kwaye akazange achaze naluphi na ukudibanisa okufanelekileyo ngaphaya kokuqeshwa kwakhe kwezemfundo.
Kumaxesha afana nala ngoku, xa kukho ukungaqiniseki okukhulu malunga nokuba kuya kwenzeka ntoni na kwinzala, ababoleki bafumana iingcebiso ezininzi malunga nokuba bafanele ukuyofuna ukulungiswa okanye ukuguquguquka. Ngelishwa, uninzi lwazo alusekelwanga kakuhle.
Ngaphandle kwezinto ezimbalwa, iibhanki zibeka imilinganiselo yazo emiselweyo ngokusekelwe kwizinto ezilindelekileyo malunga nokuguquguquka kwexesha elizayo lenzala. Banemikhosi yezoqoqosho kunye nabahlalutyi abathathela ingqalelo yonke ingcaciso ekhoyo ukwenza izibalo.
Oku kuthetha ukuba ulindelo lwebhanki kwinto eya kuyifumana kumthengi kubomi bemali mboleko esisigxina iphelela ekubeni ifane nokulindela kwayo into eya kuyifumana kumthengi kubomi bemali mboleko eguquguqukayo. Ufumana uhlobo olufanayo lwenzuzo kuzo zombini iimeko.
Ababoleki abaqwalasela ukuba bakhethe ukubolekwa imali esisigxina okanye eguquguqukayo kufuneka bathathele ingqalelo eminye imiba. Kwimeko yeemali-mboleko ezisisigxina, izavenge zenyanga zimiselwe inani elithile leminyaka. Kwabaninzi yinto entle leyo. Bayazi ngokuqinisekileyo ukuba (ngexesha lemali-mboleko imisiwe) iintlawulo zabo aziyi kunyuka ngaphezu koko balindele ukuhlawula.
Ireyithi eguquguqukayo
Kubalulekile ukuqonda umahluko phakathi kwenzala eguquguqukayo kunye nenzala esisigxina ukuba ucinga ngokuboleka imali. Nokuba ufaka isicelo semali-mboleko entsha, uhlawula imali-mboleko yakho yangoku, okanye ufaka isicelo semali-mboleko yobuqu okanye ikhadi letyala, ukuqonda umahluko phakathi kwenzala eguquguqukayo kunye nemiselweyo kunokukunceda wonge imali kwaye ufezekise iinjongo zakho zemali.
Imali-mboleko eguquguqukayo yimali-mboleko apho izinga lenzala elisetyenziswayo kwibhalansi eseleyo yahluka ngokwemilinganiselo yenzala yemarike. Inzala ehlawuliswa kwimali-mboleko yezinga eliguquguqukayo inxulunyaniswe nebenchmark esisiseko okanye isalathiso, esifana nereyithi yemali yomanyano.
Ngenxa yoko, iintlawulo zakho ziya kwahluka (ukuba nje iintlawulo zakho zidityanisiwe nenqununu kunye nenzala). Ungafumana inzala eguquguqukayo kwimali yokubambisa, amakhadi okuthenga ngetyala, iimali-mboleko zomntu, izinto eziphuma kuzo, kunye neebhondi zeshishini.
Imali ebolekwayo yimali-mboleko apho izinga lenzala elifakwe kwimali-mboleko liya kuhlala lisisigxina kulo lonke ixesha lemali-mboleko, kungakhathaliseki ukuba yenzani inzala yemarike. Oku kuya kugcina iintlawulo zakho zifana kulo lonke ixesha. Ukuba imali-mboleko enexabiso elimiselweyo ikulungele na kuya kuxhomekeka kwimekobume yezinga lenzala ngexesha uthatha imali-mboleko kunye nobude bemali-mboleko.
