IZINTO OKUMELE UZENZE NGAPHAMBI KOKUQALA UKUZIBUKELA
Uma uhlala nomngane wakho womshado noma umlingani wakho kodwa igama lakho lingekho emalini ebolekiwe, ungase ube namalungelo athile kuleyo ndawo. Lokhu kuncike ezimweni, okuhlanganisa ukuthi ushadile noma cha.
Uma ushadile noma ubambisene lwasekhaya futhi ungekho ohlwini lwemali ebolekiwe, ungacela isaziso samalungelo ekhaya lomshado. Lokhu kuzokunikeza amalungelo athile okuhlala, kodwa ngeke kukunikeze noma yimaphi amalungelo endawo. Kodwa-ke, uma kamuva nihlukana noma nihlukanisa, inkantolo izosho ukuthi unelungelo kuleyo ndawo.
Awukwazi ukufaka isicelo samalungelo ezindlu zomshado endaweni umyeni noma unkosikazi wakho okunayo nomunye umuntu. Ngaphezu kwalokho, ungacela kuphela ilungelo lezindlu endaweni eyodwa. Kubalulekile ukukhumbula ukuthi ilungelo lezindlu zomshado likunikeza kuphela amalungelo okuhlala; ayikuniki noma yiliphi ilungelo lokuba ngumnikazi wendawo.
Uma ushadile futhi igama lakho lingekho kwi-mortgage, uzoba nelungelo lokuthola leyo ndawo futhi singakuxoxa kabanzi ngalokhu. Uma udinga ulwazi olwengeziwe, ungangabazi ukusithinta ukuze uthole ukubonisana kwamahhala kokuqala. Ungaphinda ukhulume nabameli bethu bezindlu ezibolekiwe.
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Kungakhathaliseki ukuthi ufuna ukugcina owakwakho ephuma emalini ebolekiwe ngesizathu esithile noma ufuna ukuthenga indlu yakho ngokuqondile, kukhona ukufaneleka kokuphishekela ubunikazi bekhaya njengomthengi oyedwa. Kuye ngesimo sakho siqu, ukuba nomngane womshado oyedwa kuphela emalini ebolekiwe kungase kube inketho engcono kakhulu.
Itayitela lesakhiwo yidokhumenti eqinisekisa ukuthi ubani umnikazi osemthethweni wekhaya. Kungase futhi kube nomthelela ekwakhiweni kwe-mortgage. Kungcono ukukhuluma nommeli kanye nomthengisi wezindlu ukuze uqonde izinketho zokuthi ubani okufanele abalwe esihlokweni nakwimali ebolekiwe.
Ungase ucabange ukushiya igama loshade naye esihlokweni uma: - Ugcina izimali zakho zihlukene futhi ungathanda ukuqhubeka nokwenza kanjalo - Ufuna ukuvikela impahla yakho kumngane womshado onesikweletu esibi - Ufuna ukulawula okuphelele mayelana nokudluliswa kwempahla ikusasa (isibonelo, uma unezingane zomshado wangaphambili)
Itayitela lokuyeka likuvumela ukuthi udlulisele ubunikazi bezindlu ezithengiswayo usuka komunye umuntu uye komunye. Uma unquma ukushiya igama loshade naye esihlokweni, ungakwazi njalo ukusebenzisa itayitela lokuyeka ukuze udlulisele ubunikazi obugcwele besakhiwo kuye.
KUNGANI UMSHUWALENSE WAKHO WOKUPHILA KUFANELE UTHEMBEKE (IMPILO
Ngokuphathelene nababolekisi, bobabili abantu bahlala "ngokuhlangene futhi ngokuphindaphindiwe" benesibopho semali mboleko. Ngamanye amazwi, umbolekisi angalandela noma kokubili uma kwenzeka iphutha. Futhi amaphuzu esikweletu abo bobabili azohlupheka uma inkokhelo yephuzile.
Kungokufanayo nakulowo oboleka naye ongasafuni ukuba nesibopho semali ebolekiwe abasayine ngokuhlanganyela. Uma uzithola kufanele ukhiphe igama lakho, noma elomunye umuntu, embotsheni, nazi izinketho zakho.
Lezi zidingo ezimbili zokugcina kungase kube nzima kakhulu ukuhlangabezana nazo. Uma ubungeyena owondli oyinhloko ekhaya, ungase ungabi nayo imali eyanele ukuze ukwazi ukubolekwa wena ngokwakho. Kodwa nasi iseluleko: uma uzothola isondlo noma isondlo sengane, nikeza umbolekisi wakho lolo lwazi. Leyo mali engenayo ingakusiza ukuba ufanelekele ukuthola uxhaso lwezimali ngaphandle kokuthi uthembele elungeni lomndeni njengomuntu osayine kanye naye.
Imali mboleko ye-USDA nayo inenketho yokubuyisela imali eyenziwe lula. Kodwa-ke, uma usebenzisa i-USDA Streamline Refi ukuze ususe igama emalini ebolekiwe, umboleki osele kuzodingeka afanelekele ukubolekwa imali ngokusekelwe kumbiko wesikweletu somboleki kanye nemali engenayo.
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Uma kucatshangelwa amagama angaphezu kwelilodwa esicelweni semali yendlu, kucatshangwa ukuthi umbhangqwana oshadile. Nokho, baningi abanye abantu abangena ekuthengeni ikhaya ndawonye: izingane zakubo, abazali nezingane, umndeni owandisiwe, imibhangqwana engashadile, ngisho nabangane imbala. Lokhu kwaziwa embonini njenge-mortgage ehlanganyelwe.
Okuhle, ukwabelana ngomthwalo wemali mboleko yomuzi kungenza ubunikazi bezindlu bufinyeleleke kulabo abangakwazi ukuzenzela bona ngokwabo. Kodwa-ke, ukuzibophezela okukhulu nokuyinkimbinkimbi njengokwabelana ngendlu kanye nempahla mboleko kubeka isibopho sezezimali sesikhathi eside kwenye, ngakho qiniseka ukuthi uzilungiselele ngokugcwele ngaphambi kokuthatha i-mortgage ehlangene.
Sixhumane noMike Venable, Inhloko Yezokufunda Ngaphansi Kwama-TD Bank[1] ukuze uthole imibono yakhe ngokwabelana ngekhaya nokukusiza unqume ukuthi inketho okufanele uyihlole. Ukwengeza, sizobeka ezinye izinqubo ezihamba phambili lapho sifunda ukuthi ungathenga kanjani ikhaya elinabanikazi abaningi.
Ukuhlala ngokuhlanganyela kuzodala indawo engalingani. Esikhundleni sokuhlukanisa ifa ngokulinganayo, ubunikazi obuvamile bunikeza amaphesenti obunikazi bendlu ngokusekelwe kulokho umuntu ngamunye akutshala khona.
