Ngaba umntu oqinisekisayo unyanzelekile ukuba asayine imali yokubambisa?

Ndingayiboleka malini ngendlu-mboleko ekhuselekileyo?

Xa umntu oza kuba mboleki esondela kumbolekisi aze acele ukuxhaswa ngemali ngayo nayiphi na injongo yomthengi okanye ngentengiselwano yeshishini, umbolekisi kufuneka ahlole ukuba lowo ubolekayo unaso na isakhono esaneleyo sokuhlawula imali-mboleko. Uninzi lwababolekisi ludla ngokucinga ngezinto ezimbini onokukhetha kuzo. Okokuqala, umbolekisi usenokufuna ukuba abantu abangaphezu komnye okanye iqumrhu lisayine isiqinisekiso esifanayo esixhasa imali-mboleko. Kule meko, ngaphezu komboleki omnye uyavuma ukubuyisela yonke imali mboleko. Okwesibini, umntu ongabolekiyo unokufuneka ukuba aqinisekise ukuhlawulwa kwetyala lomboleki kunye/okanye enze isibambiso esithile kumbolekisi, esinokuqokelelwa ngumbolekisi ukuba lowo ubolekayo uyasilela kwimali-mboleko. Eli nqaku liza kugubungela ezinye zeeyantlukwano phakathi kwezi khetho.

Inketho yesibini ibandakanya imeko apho umntu ongabolekiyo "eqinisekisa" amanye okanye onke amatyala omboleki. Umntu okanye iziko eliqinisekisa ityala lomboleki libizwa ngokuba ngumqinisekisi. Umqinisekisi "ngulowo isithembiso sakhe 'sisiqinisekiso senqununu okanye isibophelelo esiphambili kwicala lomnye kwaye esibophelela otyalwayo ekusebenzeni kwimeko yokusilela ngokutshoyo okunye, lo mva ngokuyintloko unyanzelekile ukuba enze'". Trebelhorn, 905 NW2d at 243 (izicatshulwa zishiyiwe). Ngamanye amazwi, umntu oqinisekisayo uya kuhlawula kuphela ityala lomboleki ukuba umboleki uyasilela. Kule meko ikhankanywe ngasentla, abazali abaneminyaka yobudala bomhlala-phantsi bomfama oselula basenokungafuni ukubeka esichengeni umhlala-phantsi wabo wonke ngenxa yefama entsha yonyana okanye intombi yabo. Noko ke, abazali basenokukulungela ukulihlawula lonke ityala lomlimi oselula ukuba umlimi oselula akanakukwazi ukulihlawula. Kule meko, umntu "oyintloko" onoxanduva lokuhlawula ityala ngumlimi oselula obolekayo, kwaye ngokuqhelekileyo umbolekisi unokuqokelela kuphela ityala kubaqinisekisi ukuba umboleki uyasilela. Ngoko ke, ngokuqhelekileyo kuncinci - okanye ubuncinane ixesha elincinane - ukuqokelela ityala kumntu otyikityayo kunomntu oqinisekisayo.

i-guarantor mortgage

Umzekelo – IBhanki kaMama noTata UJoe wenza isicelo semali mboleko yemoto enesiqinisekiso sabazali bakhe uMike noBetty. Kwiinyanga ezisithoba kamva, uJoe uyayeka ukubhatala. UMike noBetty bafunwa ngumbolekisi-mali ukuba bahlawule imali-mboleko yemoto kaJoe kunye nemali-mboleko yobuqu ababengayazi. UMike uzama ukufaka ibango, kodwa umbolekisi uthi “lityala lonke” eliqinisekisa onke amatyala kaJoe. UBetty ufaka isikhalazo ngenkqubo yokusombulula ingxabano yombolekisi, egqiba ukuba umbolekisi akazange axelele uMike noBetty malunga nemboleko-mali yobuqu okanye bangqine ukuba banokuqinisekisa eli tyala litsha. Inkqubo iyalela umbolekisi ukuba arhoxise isibambiso. Oku kuthetha ukuba uMike noBetty kufuneka baqhubeke beyihlawula imali-mboleko yemoto, kodwa hayi imali-mboleko kaJoe.

Iingxaki zentlawulo1. Qhagamshelana nombolekisi Ukuba umbolekisi wenze ngokungenabulungisa, unokukwazi ukutshintsha okanye ukurhoxisa isibambiso sakho. Ngaphambi kokuba uqhagamshelane, funda ulwazi lwethu: Umcebisi wezezimali wasimahla unokukunceda ukuba uqhagamshelane okanye uthethe nombolekisi wakho. Qala ngokuqhagamshelana nomnxeba woncedo ongahlawulelwayo weMoneyTalks. Iinkcukacha zoQhagamshelwano (ikhonkco langaphandle) – MoneyTalks

Imigangatho yomgcini-mboleko

UChristy Rakoczy uneminyaka engaphezulu kwe-12 yamava ebhala malunga nemali-mboleko yobuqu kunye neyabafundi, uhlahlo lwabiwo-mali, ucwangciso lwezemali, kunye nokunye. Uye wapapashwa kwiindawo zezemali ezaziwayo eziquka i-Nasdaq, i-LendingTree, i-Credit Karma, i-Motley Fool, i-USA namhlanje, kunye nokunye. UChristy wenze uphando kwaye wabhala amawaka amanqaku ngexesha lomsebenzi wakhe.

UAndy Smith yi-Certified Financial Planner (CFP), i-arhente ye-real estate enelayisensi, kunye nomfundisi oneminyaka engaphezu kwe-35 yamava olawulo lwemali. Uyingcaphephe kwezemali zobuqu, ezemali zeshishini kunye nezindlu ezithengiswayo kwaye uye wanceda amawakawaka abathengi ukuba bafezekise iinjongo zabo zemali kulo lonke ixesha lomsebenzi wakhe.

U-JR ngumhleli wexesha kwi-Balance, indima egxile ekunikezeni iimpendulo ezicacileyo kwimibuzo eqhelekileyo malunga nemali yomntu kunye namashishini amancinci. I-JR ineminyaka engaphezu kwe-10 yokunika ingxelo, ukubhala kunye namava okuhlela. Njengomhleli we-Balance, uye wajonga inyani, wahlela kwaye wabela amakhulu amanqaku.

Ababolekisi bavavanya iziqinisekiso zemali zomntu onokuba ngamboleki. Ukuba umboleki akakwazi ukufumana imali mboleko ngokwakhe ngokusekelwe kwimbali yakhe yekhredithi, umvuzo, ubudala, okanye ezinye izinto, i-guarantor inokufuneka.

Umda weGuarantor Age

Umbolekisi kufuneka kwakhona akunike ulwazi oluthile ukuba ulucela ngokubhaliweyo: umzekelo, isixa-mali esifunekayo kwintlawulo epheleleyo ngawo nawuphi na umhla, okanye iinkcukacha zalo naluphi na utshintsho olwenziwe kwikhontrakthi, okanye ikopi yekhontrakthi. Umbolekisi uneentsuku zokusebenza ezili-15 zokukunika ulwazi (okanye ukuya kuthi ga kwi-15 leentsuku zokusebenza emva kokuba uhlawule naziphi na iimali ezifanelekileyo ezibizwa ngumbolekisi, nokuba yeyiphi emva kwexesha).

Abaqinisekisi nabo ngamanye amaxesha bayavuma ukuqinisekisa naliphi na ityala lexesha elizayo umboleki alibambayo kumbolekisi. Ukuba umbolekisi emva koko uyavuma ukuboleka umboleki imali eyongezelelekileyo apho isibambiso sisebenza khona, kufuneka azise umqinisekisi woku kwiintsuku ezintlanu zomsebenzi.

Umbolekisi kufuneka akunike, wena mgcini-mboleko, iinkcukacha ezigcweleyo ngembalelwano ngalo naluphi na utshintsho kwisivumelwano sentengo yemboleko esandisa izibophelelo zomboleki okanye esinciphisa ixesha mboleki-mali lokuhlawula ityala. Umbolekisi kufuneka akunike olu lwazi kwiintsuku ezintlanu zomsebenzi emva kotshintsho.

Ukuba wena, njengomqinisekisi, ubeke enye yepropati yakho njengesibambiso setyala lomboleki, kukho inkqubo engqongqo emele ilandelwe ngumbolekisi ukuba umboleki uyasilela kwaye umbolekisi ufuna ukuthatha ipropati yakho ("impahla") ukuze ahlawule iTyala. . Oku kuquka ukuba kuqale kunikwe "isaziso esilumnkisayo sobudlelwane" (jonga "Ukubuyiselwa" kwesi sahluko).