Indlela yokufumana imali yokubambisa kakuhle?

Iindidi ezilungileyo kakhulu ze-mortgage

Ukuba isicelo sakho semali-mboleko siyakhatywa, kukho izinto ezininzi onokuzenza ukuze uphucule amathuba akho okuvunywa kwixesha elizayo. Musa ukukhawuleza uye komnye umbolekisi, njengoko isicelo ngasinye sinokuvela kwifayile yakho yetyala.

Naziphi na iimali mboleko oye waba nazo kule minyaka mithandathu idlulileyo ziya kubonakala kwirekhodi yakho, nokuba uzihlawule ngexesha. Kunokubala ngokuchasene nawe, njengoko ababolekisi benokucinga ukuba awuyi kukwazi ukuhlawula uxanduva lwemali yokubambisa.

Ababolekisi abafezekanga. Uninzi lwazo lufaka idatha yesicelo sakho kwikhompyuter, ngenxa yoko awunakunikwa imali mboleko ngenxa yempazamo kwifayile yakho yetyala. Umbolekisi akunakwenzeka ukuba akunike isizathu esithile sokungaphumeleli kwisicelo sekhredithi, ngaphandle kokuba sinxulumene nefayile yakho yekhredithi.

Ababolekisi baneenqobo zokubhala phantsi ezahlukeneyo kwaye bathathele ingqalelo inani lezinto xa bevavanya isicelo sakho semali-mboleko. Zinokusekelwe kwindibaniselwano yobudala, umvuzo, ubume bengqesho, umlinganiselo wemali-mboleko-kwixabiso, kunye nendawo yepropathi.

Indlela yokufumana imali yokuboleka imali

Ukuthenga ikhaya yenye yezona zinto zinomdla onokuthi uzenze. Kwakhona mhlawumbi yeyona ibiza kakhulu. Ngaphandle kokuba unedama elizele yimali, kuya kufuneka ukhuphe imali-mboleko ukuze uhlawule ukuthengwa kwendlu.

Phambi kokuba ungene kwinkqubo yesicelo semali-mboleko, luluvo olulungileyo ukuthabatha inyathelo umva kwaye ujonge iingxelo zakho zetyala kuqala. Impilo yakho yetyala iyakudlala indima enkulu ekufumaneni isivumelwano esilungileyo kwimali mboleko yendlu, okanye nasekuvunyweni kwakho.

Qala ngokujonga iingxelo zakho zamatyala kwindawo nganye kwezi zintathu zinkulu zamatyala: Experian, Equifax, kunye neTransUnion. Eyona ndlela ilula yokwenza oku kukutyelela i-annualcreditreport.com, ekuphela kwewebhusayithi egunyaziswe ngumthetho we-federal ukubonelela ngeengxelo zetyala zasimahla kanye ngonyaka.

Okulandelayo, jonga iingxelo zakho ukuze uqiniseke ukuba akukho mpazamo okanye iiakhawunti ezingezizo ezakho ezinokuthi zonakalise ikhredithi yakho. Umzekelo, jonga kwakhona ukuchaneka kolwazi lwakho lomntu siqu, olufana negama, idilesi, kunye nenombolo yoKhuseleko loLuntu. Khangela kwakhona ukuba ii-akhawunti zekhredithi kunye neemali-mboleko kwiingxelo zakho zichazwe ngokufanelekileyo, kubandakanywa ibhalansi kunye nesimo. Phinda ujonge ukuba akukho akhawunti ziyimfihlo zivuliweyo, ezinokubonisa ubusela besazisi obunokwenzeka.

Ndingayifumana imali-mboleko?

Ukufumana elona zinga lilungileyo lenzala kuye nawuphi na umbolekisi, kufuneka ube namanqaku alungileyo etyala kunye nomlinganiselo ophantsi wetyala-kwingeniso (DTI). Ababolekisi banika awona maxabiso angcono kubaboleki abanembali yokuhlawula amatyala abo ngexesha kunye nokulawula amatyala abo.

Ke ngoko, uya kufuna ukuqiniseka ukuba imeko yakho yezemali ilungile phambi kokuba uqalise ukukhangela ezona milinganiselo ziphantsi zokubuyisela imali. Jonga ukuchaneka kwengxelo yakho yetyala kwaye ubale i-DTI yakho. Gcina uhlawula amanye amatyala akho - imali mboleko yabafundi kunye neentlawulo zekhadi letyala, umzekelo - ngexesha.

Gcina ukhumbula ukuba amanqaku angaphantsi kwawona afanelekileyo okanye aphezulu kunomndilili we-DTI ayikuthinteli ekuhlawuleni imali yokubambisa. Kodwa oko kuthetha ukuba awunakukwazi ukufumana awona maxabiso afanelekileyo ukwandisa ukonga kwakho.

Ngokucela ikowuti kumbolekisi omnye, unokuba ushiya ngasemva amawaka eedola—ukuba ayingomashumi amawaka—kwimali yokulondoloza. Ngethamsanqa, i-Intanethi yenza kube lula ukufumana iikowuti ezivela kubabolekisi bokubuyisela imali abaninzi.

Emva kokufumana iikowuti zemali-mboleko (ezaziwa ngokusesikweni njengoqikelelo lwemali-mboleko), kufuneka wenze isigqibo sokuba loluphi unikezelo oluhambelana neenjongo zakho zokubuyisela imali. Unokucinga ukuba umbolekisi onexabiso eliphantsi lolona khetho lucacileyo, kodwa akusoloko kunjalo.

Ukufumana imali yokuthenga indlu xa uziqeshile

Zilungiselele ukuthengiswa kweflash, apho ababolekisi banikezela nge-90% yemali-mboleko ngaphantsi kosuku, kodwa okunokubakho kunye nezithintelo ezifana ne-caps kwiminikelo yabazali, iireyithi ezimiselweyo ezide, okanye ukungaboleki kwiiflethi ezintsha okanye ukwakhiwa.

Jonga imbali yakho yetyala - imbali yendlela osebenza ngayo imali kunye nokukwazi kwakho ukuyibuyisela imali-mboleko - kunye neearhente ezintathu eziphambili zesalathiso samatyala phambi kokuba wenze isicelo semali mboleko. Umbono olungileyo inokuba kukulungisa naziphi na iingxaki phambi kokuba zibulale amathuba akho okufumana inzala efanelekileyo kumbolekisi okanye ukufumana imali mboleko.

Amanyathelo akhawulezileyo okuphucula amanqaku akho abandakanya, ukuba awukakwenzi oko, ukubhalisela ukuvota, ukuqiniseka ukuba igama lakho nedilesi zichanekile kubo bonke abanikezeli bekhredithi, kunye nokuhlawula amatyala asekhaya afana nezinto eziluncedo ngexesha .

Xa ufaka isicelo semali mboleko, ababolekisi-mali baya kufuna ukujonga umvuzo kunye neendleko zakho ukuze baqinisekise ukuba unako ukuhlawulela intlawulo yendlu-mboleko ngokukhululeka, ngoko zama ukugcina iindleko zakho zisezantsi kangangoko xa uthelekisa nomvuzo wakho; Ubuncinci kwiinyanga ezikhokelela kwisicelo sakho sokubambisa, yeka ukuchitha imali kuyo nantoni na engeyomfuneko.