Ngaba imali-mboleko yendlu inokutshintshelwa kwisalamane?
Ukuba ngoku ungumnikazi kwaye ufuna ukuhamba, unokuba uyazibuza ukuba kwenzeka ntoni kwi-mortgage yakho xa uyithengisa. Ngokuxhomekeke kwimiqathango yemali mboleko yakho yangoku, unokukwazi ukuyihambisa kwikhaya lakho elitsha. Ngamanye amaxesha oku kubizwa ngokuba yi-mortgage transfer, kwaye kunokuba luncedo kakhulu.
Zonke iimeko zangoku ze-mortgage, kubandakanywa izinga lenzala kunye neenzuzo ze-prepayment, zigcinwa. Oku kunokuba luncedo kuye nabani na othenga ipropathi entsha kwaye athengise endala, ngakumbi ukuba inzala yangoku iphezulu kunaxa ubuthethathethana ngokubambisa kwakho ngoku.
Ukuba ugqiba ukuthenga ikhaya elifuna imali-mboleko enkulu kunokuba unayo ngoku, umbolekisi wakho unokukuvumela ukuba udibanise kwaye wandise imali-mboleko egqithiselweyo. Ekubeni ungophuli imali-mboleko yakho yokuqala, akukho sohlwayo sokuhlawula. Oko kuthethiweyo, ukuba ufudukela kwikhaya elixabisa ngaphantsi kwemali obolekwa yona ngoku, intlawulo yokuhlawula kwangaphambili inokusebenza kwimali-mboleko egqithiselweyo.
Konke kuxhomekeke kwimigaqo kunye neemeko zekhontrakthi yakho yangoku ye-mortgage. Ababolekisi abaninzi bayakuvumela ukuba utshintshe imali yakho, kodwa ayingabo bonke abakwenzayo. Kwakhona, ukuphatheka kunokwenziwa kuphela ukuba ipropati entsha ithengiwe kwaye endala iyathengiswa.
Ukugqithiselwa kwetyala kwiqabane
UJustin Pritchard, uCFP, ungumcebisi wentlawulo kunye neengcali ngezemali. Ibandakanya iibhanki, iimali-mboleko, utyalo-mali, imali yokubambisa kunye nokunye okuninzi kwiBalance. Une-MBA evela kwiYunivesithi yaseColorado kwaye usebenze kwiimanyano zamatyala kunye neefemu ezinkulu zemali, kunye nokubhala malunga nezezimali zomntu ngaphezu kweminyaka engamashumi amabini.
UThomas J. Brock yi-CFA kunye ne-CPA engaphezulu kweminyaka engama-20 yamava kwiinkalo ezahlukeneyo ezibandakanya utyalo-mali, ulawulo lwepotfoliyo ye-inshurensi, imali kunye ne-accounting, iingcebiso zotyalo-mali lomntu kunye nocwangciso lwezemali, kunye nophuhliso lwe-asethi. .
Xa indlu ithengiswa okanye ufuduka, kusenokuba sengqiqweni ukuzama ukudlulisela imali-mboleko yendlu kumnini omtsha. Kunokuba athabathe imali-mboleko entsha, ahlawule iindleko zokuvala, aze aqale ngokutsha ngenzala ephezulu, umnini omtsha unokuthabatha iintlawulo ezikhoyo.
Iimali-mboleko ezinokugqithiselwa zikhona. Zibizwa ngokuba "yimali-mboleko eqikelelwayo." Nangona kunjalo, azininzi ezinikezelwayo. Fumana ulwazi oluthe kratya malunga nokudlulisela imali-mboleko kunye nento onokuyenza xa ufuna ukudlulisela imali-mboleko, kodwa ayifikeleleki.
Yintoni onokuyenza ukuba imali-mboleko yakho ithengiswa kwinkampani embi?
Abanye abathengi basekhaya bakothuka kakhulu emva kokuvala. Bafumanisa ukuba imali-mboleko yabo ithengisiwe. Oku kunokuvakala kukothusa. Kodwa eneneni ixhaphake kakhulu. Kwaye ayisayi kuchaphazela izinga lenzala yemali mboleko, iimeko okanye imali etyalwayo. Sekunjalo, kuyinto eqhelekileyo ukuzibuza: Kwenzeka ntoni xa kuthengiswa imali-mboleko yam?
Ukwazi ukuba kutheni kwaye kwenzeka njani oku kunokunciphisa uloyiko lwakho. Nangona ezinye iinkcukacha zintsonkothile, izinto ezibalulekileyo zilula. Oku akufanele kukuchaphazele ngokwemali. Kuya kufuneka wenze intlawulo yakho yenyanga kwinkampani eyahlukileyo.
Umqalisi ngumntu okuncedileyo ukuba wenze isicelo semali-mboleko. Lo mntu uthumele isicelo sakho kwisebe elibhala phantsi lombolekisi. Umbolekisi (okwabizwa ngokuba ngumnini) yinkampani evumayo, exhasa ngemali, kwaye ingumnini-mboleko. Umlawuli yinkampani elawula imali-mboleko.
“Umniki-nkonzo” uqokelela aze enze intlawulo yomboleki. Iya kulawula unxibelelwano kunye nomboleki. Uya kuhlawula irhafu kunye ne-inshurensi evela kwi-escrows. Kwaye iya kubala iintlawulo zenyanga,” litsho igqwetha uElizabeth A. Whitman.
Ngaba ndingathengisa imali-mboleko yam kwenye ibhanki?
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.
