Ukuxoka malunga nobume bomtshato kwisicelo se-mortgage
Esinye sezibophelelo ezinkulu esinokuzenza kukwamkela ubudlelwane obunzulu kunye nexesha elide, mhlawumbi nomnye umntu okanye, kwimeko yemali yakho, kunye nendlu ethengiswayo eSan Francisco, CA, okanye eBoulder, CO, kunye imali-mboleko yeminyaka engama-30 ehamba nayo. Kwaye, okuthakazelisayo, kukho ubudlelwane phakathi kwemali kunye nomtshato, ngakumbi xa loo mali ihambelana nokuhlawulwa kwe-mortgage kwindlu yakho. Ubume bakho bobudlelwane bunokuba nefuthe elithe ngqo ekukwazini kwakho ukufumana imali-mboleko, nokuba awutshatanga, kubudlelwane bexesha elide, okanye utshatile.
Asikuko ukuba imeko ethile yobudlelwane ithatha isigqibo sokuba ungafumana imali-mboleko. Kodwa eso simo sinokuchaphazela imiba yezemali umbolekisi ayithathela ingqalelo ekuqinisekiseni ukuba uyayivuma na imali mboleko yakho yendlu. “Abathengi asijongi ngendlela eyahlukileyo; sizijonga njengeziyinyaniso,” utsho uChris Copley, umalathisi wemali mboleko kwiCitizens Bank, kwiGreater Philadelphia Area. “Unako ukuhlala nomntu obolekayo, kwaye kulungile. Ukuba uyafowuna uthi awutshatanga, akukho nto yenzekayo. Sijonge kwimali-mboleko esekwe kwinto eyinyani kwaye yintoni umvuzo wakho kunye nento ojonge ukuyithenga."
Ngaba akukho mthethweni ukuxoka ngemeko yomtshato?
Ayintoni amalungelo ezindlu? Kutheni kufuneka ndibhalise amalungelo am ezindlu? Ndingafumanisa njani ukuba iqabane lam linabanikazi bendlu? Kuthekani ukuba iqabane lam lingabanini bendlu ngokudibeneyo nomnye umntu? Ndingabhalisa njani ilungelo lam lepropati? Ngaba ndingabhalisa ipropathi yam ilungelo phezu kwamakhaya angaphezulu kwesinye? Ikhaya losapho Kwaye kuthekani ngamanye amakhaya? Ndingawatshintshela amalungelo am epropathi? Ukugqithiselwa kweLungelo lakho leSakhiwo esiBhalisiweyo kwiKhaya elitsha Ngaba ndiyayidinga imvume yeqabane lam ukubhalisa ilungelo lam lepropati? Ngaba iqabane lam liya kwazi ukuba ndiyibhalisile ipropathi yam ngokufanelekileyo? Liphela nini ilungelo lepropati? Ukwandiswa kwamalungelo omhlaba Ukucinywa kwamalungelo epropathi Kwenzekani ukuba singabanini bendlu kunye?
Ukuba utshatile, unelungelo lokuhlala emzini wakho, nokuba kusegameni lomyeni okanye lomfazi wakho kuphela. Oku kwaziwa njengelungelo lezindlu zomtshato. Kwesi sikhokelo uya kufumana ulwazi oluninzi malunga nelungelo kwizindlu zomtshato kunye nendlela yokubhalisa.
Kwesi sikhokelo sibhekisa kwizibini ezitshatileyo nomtshato, kodwa umthetho uyafana kwabangatshatanga. Ngolwazi oluthe kratya malunga nentsebenziswano yasekhaya, bona isikhokelo sokuseka intsebenziswano yasekhaya. Kwesi sikhokelo, siza kubhekisa kumyeni wakho, inkosikazi, okanye iqabane lasekhaya njengeqabane lakho.
IiMfuno zoMsayino woMtshato zichazwe nguRhulumente ngo-2021
Ngaphandle kwezinto ezimbalwa ezibalulekileyo, yonke impahla efunyenwe ngexesha lomtshato ithathwa njengempahla yoluntu. Izinto zomtshato zidla ngokuquka izinto ezifana nezindlu, iimoto, ifanitshala, izixhobo zombane, izitokhwe, iibhondi, izacholo, iiakhawunti zebhanki, imali yomhlalaphantsi, izicwangciso zomhlala-phantsi kunye neeakhawunti zomntu ngamnye. Ii-asethi zomtshato azibandakanyi ixabiso lezidanga zobungcali/lamaphepha-mvume.
Yonke impahla efunyenwe ngexesha lomtshato yimpahla yoluntu, nokuba ihlawulwe ngubani na. Imeko engaqhelekanga kulo mgaqo jikelele yimpahla efunyenwe ngomnye wabatshati njengesipho, ilifa elivela kumntu wesithathu, okanye ikhutshwe ngesivumelwano esisemthethweni. Njengoko kuchaziwe ngasentla, ezi mpahla zithathwa njengezinto ezingezozamtshato. Izinto zomtshato zinokuquka izindlu nomhlaba, iiakhawunti zebhanki, isitokhwe, ifenitshala, imali yomhlalaphantsi neyomhlala-phantsi, iimoto nezinye izinto zobuqu.
Impahla engelomtshato yiyo nayiphi na impahla efunyenwe phambi komtshato. Ihlala iyipropathi yeqela elaliyiphethe phambi komtshato. Ipropati engatshatanga ihlala ingeyomtshato ukuba nje ingenasiphiwo okanye inikwe igama lelinye iqabane.
Ngaba inkampani yesihloko idinga isigunyaziso sokuqhawula umtshato?
Nokuba ufuna ukugcina iqabane lakho lingekho kwimali yokubambisa ngesizathu esithile okanye ufuna ukuzithengela eyakho indlu ngokuthe ngqo, kukho ukulunga ekulandeleni ubunini bezindlu njengomthengi wedwa. Ngokuxhomekeke kwimeko yakho yobuqu, ukuba neqabane elinye kuphela kwimali yokubambisa kunokuba yeyona ndlela ilungileyo.
Itayitile yepropati luxwebhu olumisela ukuba ngubani umnini osemthethweni wekhaya. Inokuba nefuthe kwisakhiwo se-mortgage. Kungcono ukuthetha negqwetha kunye ne-mortgage broker ukuqonda ukhetho lokuba ngubani omele udweliswe kwisihloko kunye ne-mortgage.
Unokucinga ngokushiya igama leqabane lakho kwitayitile ukuba: – Ugcina imali yakho yahlukile kwaye ungathanda ukuqhubeka nokwenjenjalo – Ufuna ukukhusela impahla yakho kwiqabane elinetyala elihlwempuzekileyo – Ufuna ulawulo olupheleleyo malunga nokutshintshelwa kwepropati ikamva (umzekelo, ukuba unabantwana bomtshato wangaphambili)
Isivumelwano sokuyeka ukubanga sikuvumela ukuba uthumele ubunini bezindlu nomhlaba ukusuka komnye umntu ukuya komnye. Ukuba uthatha isigqibo sokushiya igama leqabane lakho kwitayitile, ungasoloko usebenzisa isiqinisekiso sokuyeka ukunikezela ngobunini obupheleleyo bepropati kubo.
