Isaziso Sokudluliselwa Kobunikazi Bemalimboleko Yekhaya
Ukuthola imali mboleko yezindlu kungaphezu nje kwezitolimende zanyanga zonke. Kufanele futhi ukhokhe izintela ezifana nentela yezenzo zomthetho ezibhaliwe (Umsebenzi Wesitembu) kanye nezindleko zokuhlaziya, imibiko yochwepheshe kanye nabameli. Abantu abaningi babukela phansi inani lezinkokhelo nezindleko ezengeziwe.
Lena imali yomkhiqizo wendlu, ngezinye izikhathi eyaziwa ngokuthi imali yomkhiqizo noma imali yokuvala. Kwesinye isikhathi ingengezwa kwi-mortgage, kodwa lokhu kuzonyusa inani olikweletayo, inzalo kanye nezinkokhelo zanyanga zonke.
Kufanele uhlole ukuthi ikhomishana iyabuyiselwa yini uma kungenzeka ukuthi imali yokuthenga indlu ingaqhubeki. Uma kungenjalo, kungenzeka ukuthi ucele ukuthi imali yengezwe kwi-mortgage bese uyikhokha lapho isicelo sesivunyiwe futhi uqhubeke unomphela.
Ngezinye izikhathi liyakhokhiswa lapho isivumelwano se-mortgage sicelwa nje futhi ngokuvamile asibuyiswa ngisho noma i-mortgage ingaqhubeki. Abanye abahlinzeki bezindlu ezibolekiwe bazoyifaka njengengxenye yemali ekhokhwayo, kuyilapho abanye bazoyengeza kuphela kuye ngosayizi wemali mboleko.
Umbolekisi uzobonisa inani lempahla yakho futhi aqinisekise ukuthi ilingana nenani ofuna ukuliboleka. Abanye ababolekisi abayikhokhisi le khomishini emisebenzini ethile yokuboleka imali. Ungakwazi futhi ukukhokhela inhlolovo yakho yendawo ukuze ubone noma yikuphi ukulungiswa noma ukunakekelwa okungase kudingeke.
Amazinga e-Mortgage e-UK
Okuningi noma konke okunikezwayo kule sayithi kuvela ezinkampanini okunxeshezelwa ngazo abangaphakathi (ukuthola uhlu olugcwele, bona lapha). Ukucatshangelwa kokukhangisa kungase kube nomthelela wokuthi imikhiqizo ivela kanjani futhi kuphi kule sayithi (okuhlanganisa, isibonelo, ukuhleleka okuvela ngayo), kodwa akuthinti noma yiziphi izinqumo zokuhlela, njengokuthi yimiphi imikhiqizo esibhala ngayo nokuthi siyihlaziya kanjani. Personal Finance Insider ucwaninga anhlobonhlobo okunikezwayo lapho wenza izincomo; kodwa-ke, asiqinisekisi ukuthi imininingwane enjalo imele yonke imikhiqizo noma okunikezwayo okutholakala emakethe.
Ukudlulisa imali ngezintambo kuyindlela esheshayo yokuhambisa imali - lolu hlobo lokudlulisa lungathumela imali ngokushesha isuka ku-akhawunti yakho yasebhange. Nakuba zingaba lula, ukudluliselwa kwebhange kungase kuthwale izindleko ezithile eziphezulu. Imali oyikhokhayo yokudlulisa imali izohluka kuye ngokuthi uyithumela kuphi nebhange olisebenzisayo ukuthumela imali.
I-Citibank, efana nama-akhawunti okuhlola e-Chase Premier kanye ne-Chase Sapphire, iphinde inikeze ngokudluliswa kwezintambo kwamahhala, kokubili okungenayo nokuphumayo, nezinkokhelo zokudlulisa eziyekiwe zamakhasimende anama-akhawunti e-Citigold Private Client, kanye nezaphulelo ekudlulisweni kwezintambo ngezintambo kumakhasimende e-Citi Priority. Ukudlulisa imali ngezintambo ku-inthanethi Ukudluliselwa ngentambo okwenziwa ngefoni noma mathupha kungabiza kakhulu kwamanye amabhange. Ukudlulisa imali ngewebhusayithi yebhange kungehlisa izinkokhelo. Kumakhasimende e-Chase Bank, isibonelo, ukuqalisa ukudluliselwa ku-inthanethi kungonga u-$10. Ukuthola ukudluliselwa kusuka ku-akhawunti yomfundi Ama-akhawunti omfundi ngezinye izikhathi awanazo izimali zokudlulisa. U-Wells Fargo unikeza imbuyiselo yemali yokudluliswa kwemali okungenayo kanye ngenyanga kumakhasimende anama-akhawunti Okuhlola Izinsuku Zonke axhunywe ne-Wells Fargo Campus Card, i-akhawunti yokuhlola isitshudeni yasebhange. Cabangela ukusebenzisa i-ACH endaweni yakhoAmabhange amaningi avumela ukudluliselwa kwe-ACH phakathi kwama-akhawunti asebhange. Uma ungayidingi imali ngokushesha, ukudluliswa kwe-ACH kungaba indlela yamahhala nelula yokuthumela imali. Ukudluliswa kwe-ACH ngokuvamile kungathatha izinsuku ezimbalwa, kodwa lokhu kudluliselwa ngokuvamile akukhokhiswa.
Isibali sezindleko ze-Mortgage
Ukuthunyelwa kwemali ngezintambo kuvumela amakhasimende ukuthi ahambise imali nge-elekthronikhi isuka ku-akhawunti yebhange elilodwa noma inyunyana yezikweletu iye ku-akhawunti kwenye indawo, ngokuvamile ngenkokhelo. Le misebenzi ngokuvamile evikelekile futhi esheshayo, eyenzeka ngaphandle kokushintsha imali, ingenziwa phakathi kwezikhungo zezezimali e-United States noma nezikhungo ezikwamanye amazwe.
Ukudluliselwa ngezintambo kulungele ukuthumela ngokushesha inani elikhulu lemali. Isibonelo, ungasebenzisa imali edluliswayo ukuze uthumele kufikela kokungu-$500.000 usuka ku-akhawunti yakho yasebhange uye ku-akhawunti yenkampani enesihloko lapho uvala ikhaya. Izikhungo zezezimali ngokuvamile zikhokhisa izimali zokudlulisa imali ukuze ziqedele le misebenzi, futhi uma unomkhuba wokuhambisa imali yakho, izindleko zingakhula.
Izikhungo zezezimali zinquma ukuthi yimalini okumele ikhokhiswe ngokudluliswa kwemali ngezintambo, ngokusekelwe ngokwengxenye yemithetho yezwe esebenzayo. Umthetho we-Federal awukhawuli izinkokhelo zokudluliselwa kwezintambo e-United States. Ibhange noma inyunyana yezikweletu kufanele ibike amanani edola ezinkokhiso zokudlulisa nezinye izinkokhiso lapho uvula i-akhawunti yakho.
I-Halifax Mortgage Conditions 2021
Uma ukhokhela okuthile e-EU ngekhadi lakho lesikweletu noma lasebhange, abathengisi namabhange abakwazi ukukukhokhisa imali eyengeziwe - eyaziwa nangokuthi 'inkokhelo eyengeziwe' - ngokusebenzisa ikhadi elithile. Lo mthetho uyasebenza
Kufanele uqaphele ukuthi uma ukhokha ngezinhlobo zemali ze-EU okungezona eze-euro, umhlinzeki wekhadi lakho angase akukhokhise imali yokuguqula uhlobo lwemali uma usebenzisa ikhadi lakho kwelinye izwe. Nokho, ikhadi
ingase ikucele imininingwane yekhadi lakho ukuze uqinisekise ukubhukha kwakho. Umthengisi angase futhi akucele ukuthi uvimbe inani elithile lemali ekhadini lakho lapho ubhukha. Lokhu kusho ukuthi umthengisi ugodla ingxenye yesikweletu sakho
