Ungayifumana phi imali-mboleko?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo ezikrelekrele zemali ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala kunye nenjongo, kunye nokukuvumela ukuba uphande 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.
Thenga indlu ngaphandle kwe-mortgage
Awunakuthatha isigqibo sokuba uthenge ikhaya ngemali okanye uthathe imali-mboleko? Ukhuseleko yenye yeenzuzo eziphambili zokukwazi ukuthenga indlu ngemali. Uyazi ukuba ipropathi ye-100% yeyakho kwaye awuxinwa yintlawulo yenyanga yokubambisa. Kodwa xa kuziwa kwipropathi yokurenta, izinto eziphambili kuwe zinokwahluka kancinci, kwaye ukuthenga ikhaya ngemali ayiyondlela ilungileyo yokuqinisekisa eyona ngeniso iphezulu kutyalo-mali lwakho.
Nokuba ungumnikazi wepropati okanye uhlawula idipozithi kwaye uthathe imali-mboleko yebhanki, ukukhula kwenkunzi kokwakho (kuthatyathwe nayiphi na irhafu yenzuzo eyinkunzi efunekayo). Ngoko ukuba une-mortgage, uyaxhamla ekukhuleni kwemali yebhanki kunye neyakho. Oku kuthetha ukuba ungenza inzuzo ephezulu kakhulu ngokwahlula i-equity phakathi kweepropathi ezininzi, kunokuba uyityale yonke into enye.
Nokuba ucinga ukuba wonga imali enkulu kwaye unyusa izibonelelo zakho zenyanga zokurenta ngokungahlawulisi zindlu, ukuba uneendawo ezininzi, uya kufumana irenti engakumbi.
Σχόλια
Unokuba nohlobo oluthile lwetyala, nokuba yimali-mboleko yabafundi, ityala lekhadi letyala, okanye enye into. Nangona kunjalo, ukuba usendleleni yokungabi namatyala, kunokuba lixesha lokucinga malunga nokutyalomali kwikhaya.
Amanqaku akho etyala adlala indima ebalulekileyo ekukwazini kwakho ukufumana imali mboleko yendlu. Idla ngokuba phantsi xa uqala umsebenzi wakho okanye xa usandula ukuphumelela eyunivesithi. Njengoko uhlawula amatyala akho kwaye uzibonakalise ungumboleki othembekileyo ekuhambeni kwexesha, amanqaku akho etyala aya kunyuka. Ukulungele ukufumana imali yokubambisa kunye namanqaku etyala angama-620 ubuncinci.
Ngokuchaseneyo nenkolelo eqhelekileyo, awudingi ntlawulo ye-20% ukuze uthenge ikhaya. Ngoku kunokwenzeka ukuthenga indlu encinci njenge-3% yentlawulo ephantsi kwimali mboleko eqhelekileyo okanye i-3,5% yentlawulo ephantsi kwi-Federal Housing Administration (FHA) mboleko. Ungade uvumeleke ukuba ufumane imali-mboleko yeMicimbi yamagqala (VA) okanye iSebe lezoLimo lase-US (USDA) ngaphandle kwentlawulo.
Kwiimeko ezininzi, uya kufumanisa ukuba uyazuza xa uzisa intlawulo enkulu kwitafile yokuvala. I-20% yentlawulo ephantsi iya kukuvumela ukuba uphephe ukuhlawula i-inshurensi ye-mortgage yangasese (PMI). I-PMI ikhusela umbolekisi wakho ukuba uyasilela kwimali-mboleko. Uninzi lwababolekisi bafuna ukuba uhlawule i-PMI ukuba awubeki phantsi nge-20% kwimali mboleko yakho. Ungagcina amawaka eedola kwiindleko ze-inshurensi ekuhambeni kwexesha ngentlawulo ephantsi. Isenokuba lixesha lokutyala imali kwintlawulo ephantsi ukuba unayo imali oyigcinileyo.
Yintoni eya kuba ngumba ongalunganga wokuthenga indlu ngekheshi endaweni yokubambisa?
Ukulungela ukuhlawula imali kunokukunika umda kunye nabathengisi abanomdla abazimisele ukuvala isivumelwano, kodwa kunokukunceda nabathengisi kwiimarike zezindlu ezithengiswayo apho uluhlu lwempahla luqinile kwaye abaxhasi banokuthi bakhuphisane nepropati.
Inyathelo lokuqala lokuthenga indlu ngemali, ewe, kukufumana. Ngaphandle kokuba unemali engako ebhankini, kungafuneka uphelise olunye utyalo-mali kwaye ugqithisele kwiakhawunti yakho yebhanki. Gcina ukhumbula ukuba ukuthengisa izibambiso ozenzele inzuzo kuzo kuya kubangela ukuba uhlawule irhafu yenzuzo enkulu.
1. Ungumthengi onomtsalane ngakumbi. Umthengisi owaziyo ukuba awucwangcisi ukufaka isicelo semali mboleko uya kukuthatha ngokungathí sina. Inkqubo yokubolekwa kwezindlu inokutya ixesha, kwaye kusoloko kukho ithuba lokuba umenzi-sicelo uya kwaliwa, isivumelwano siya kuwela, kwaye umthengisi kuya kufuneka aqale phantsi, utsho uMari Adam, umcwangcisi wezezimali oqinisekisiweyo eBoca Raton, eFlorida.
2. Ungafumana isivumelwano esingcono. Kanye njengokuba imali ikwenza ube ngumthengi onomtsalane ngakumbi, ikwakubeka kwindawo engcono yothethathethwano. Nabathengisi abangazange beve ibinzana elithi "ixabiso lexesha lemali" baya kuqonda ngokucacileyo ukuba ngokukhawuleza bafumana imali yabo, ngokukhawuleza banokuyityala okanye bayisebenzise kwenye indawo.
