Ngingakwazi ukuboleka imali uma ngingasebenzi?
Izindaba zigcwele izindaba zababolekisi okwenza kube nzima kwabanye ababolekayo ukuthola imali ebolekiwe. Kodwa nakuba lokhu kungase kube yiqiniso, ababoleki abanezimo ezihlukile akufanele bavinjwe. Ababolekisi abaningi basebenza nababolekayo abangajwayelekile ukuze babasize bathole izikweletu zezindlu.
Iqhinga liwukuthi umboleki kufanele abonise umlando weminyaka emibili yokusebenza ngesikhathi esisodwa kuyo yonke imisebenzi. Umbolekisi uzocela ama-W2 nokuqinisekiswa kubo bonke abaqashi eminyakeni emibili edlule, futhi cishe uzothola isilinganiso seminyaka emibili kunoma iyiphi imali engenayo evela emisebenzini eminingi.
Okufunwa ngumbolekisi yikhono lomboleki lokubamba imisebenzi eminingi ngesikhathi esisodwa. Ngakho awukwazi ukuvele uphume uthole umsebenzi wesibili ngenyanga ngaphambi kokufaka isicelo semali mboleko bese ulindela ukuthi lokho kuzokusiza. Eqinisweni, kungakulimaza. Umsebenzi wesibili ongenarekhodi njengoba umsebenzi omusha uzobonakala njengengozi emsebenzini oyinhloko womfakisicelo, okuyingozi ezinkokhelweni zabo zenyanga zezindlu.
Ngenxa yokuthi awusebenzi ngesikhathi sokufaka isicelo semali mboleko, ungase ufaneleke ukuthola imali ebolekiwe. Konke kukhomba ukuthi uzobuyela emsebenzini uma kuqala inkathi yokudoba futhi uzokwazi ukuqhubeka nokukhokha inkokhelo yanyanga zonke ngisho nangezikhathi zonyaka eziphansi.
Ungayithenga kanjani indlu ngaphandle komsebenzi nangesikweletu esihle
Uma njengamanje unemali mboleko evamile - esekelwa u-Fannie Mae noma u-Freddie Mac - futhi ungasebenzi, cishe uzodinga ubufakazi bomsebenzi omusha kanye nomholo wesikhathi esizayo ngaphambi kokuthi ubuyisele imali yakho ebolekiwe.
Nokho, kusafanele uhlangabezane nomthetho womlando weminyaka emibili. Uma isisebenzi setoho singabhala ukuthi besilokhu sithola izinkokhelo zokungasebenzi okungenani iminyaka emibili, lokhu kungase kucatshangelwe lapho kufakwa isicelo semali mboleko.
Nakuba imali engenayo yokungasebenzi ingalinganiswa phakathi neminyaka emibili edlule kanye nonyaka kuze kube manje, umbolekisi kufanele aqinisekise imali engenayo evela emsebenzini wamanje kumkhakha ofanayo. Lokhu kusho ukuthi kufanele uqashwe ngesikhathi ufaka isicelo.
Ukuze lokhu kusebenze, izinkokhelo zakho zanyanga zonke zokukhubazeka—kungakhathaliseki ukuthi zivela kumshwalense wakho wokukhubazeka wesikhathi eside noma ezivela ku-Social Security—kufanele zihlelelwe ukuqhubeka okungenani iminyaka emithathu eyengeziwe.
Nakulokhu, uzodinga ukukhombisa ukuthi izinkokhelo zanyanga zonke zihlelelwe ukuqhubeka eminye iminyaka emithathu. Kungase kudingeke ukuthi ubonise ukuthi ubuthola izinkokhelo njalo eminyakeni emibili edlule.
umsebenzi we-mortgage
UCarissa Rawson uchwepheshe wezezimali kanye namakhadi esikweletu ovezwe ezincwadini eziningi ezihlanganisa iForbes, Business Insider, kanye neThe Points Guy. UCarissa uphothule e-American Military College futhi une-MBA yaseNorwich University, i-MA evela eNyuvesi yase-Edinburgh futhi njengamanje uphishekela i-MFA eNyuvesi Kazwelonke.
Ababolekisi bafuna ukutshalwa kwezimali okuqinile lapho begunyaza imali mboleko, ngakho-ke uzobhekana nezidingo eziqinile zamadokhumenti kanye nokuhlolwa okuqinile kwemali engenayo ngemva kokufaka isicelo. Ngakho-ke ungayithola yini imali yokubolekwa kwempahla ngaphandle komsebenzi? Impendulo inguyebo, kodwa kuzodingeka uhlangabezane nezinye izindlela ukuze lokhu kusebenze.
Kunezinhlobonhlobo zezikweletu ezitholakalayo zohlobo ngalunye lwekhasimende. Izidingo ezithile zizohluka kuye ngesikweletu osifunayo, kodwa imali engenayo iyindlela evumelana nomhlaba wonke yokugunyazwa. Sesikushilo lokho, kusengenzeka ukuthi uthole imali yokuthenga indlu ngenkathi ungasebenzi; Amabhange angakwazi futhi azocabangela izindlela okungezona ezendabuko zokuxhasa ngemalimboleko yakho.
I-Mortgage ngaphandle kweminyaka emi-2 yomlando womsebenzi
I-cosigner ngumuntu ovuma ngokwenkontileka ukukhokha isikweletu uma umfakisicelo ehluleka. Kungaba omunye wabazali bakho noma oshade naye. Bazodinga ukuqashwa noma babe nenani eliphezulu.
Imali engenayo ngokuvamile ingaqhamuka endaweni eqashisayo noma ebhizinisini ongabandakanyeki kulo. Ezinye izibonelo zeholo lokungenzi lutho amadividendi, iholo lokuqashisa, izinkokhelo, i-alimony, nokunye.
Uma usanda kulahlekelwa umsebenzi, ungazama ukunikeza umbolekisi ngomlando wakho wokuqashwa futhi ubazise ukuthi ufuna umsebenzi ngenkuthalo. Kuzodingeka futhi ubonise enye imithombo yemali engenayo noma idiphozithi egcinwe njengobufakazi bokuthi ungakwazi ukukhokhela izinkokhelo.
“…Ukwazile ukusithola ngokushesha futhi ngokungananazi ukuboleka imali enenzalo enhle lapho abanye besitshela ukuthi kuzoba nzima kakhulu. Ngihlatshwe umxhwele kakhulu ngenkonzo yabo futhi ngingancoma kakhulu Ochwepheshe Bokubolekwa Kwezindlu ngokuzayo”
“… benze inqubo yokufaka isicelo neyokulungisa yaba lula ngendlela emangalisayo futhi ngaphandle kwengcindezi. Banikeze ulwazi olucacile futhi babeshesha ukuphendula noma yimiphi imibuzo. Bebebeka obala kuzo zonke izici zenqubo.”
