Ungayithola kuphi imali yokuboleka imali?
Siyisevisi yokuqhathanisa ezimele, esekelwa yizikhangiso. Umgomo wethu uwukusiza wenze izinqumo zezezimali ezihlakaniphile ngokukunikeza amathuluzi asebenzisanayo nezibali zezezimali, ukushicilela okuqukethwe koqobo nokunenhloso, futhi sikuvumele ukuthi ucwaninge futhi uqhathanise ulwazi mahhala, ukuze ukwazi ukwenza izinqumo zezezimali ngokuzethemba.
Ukunikezwa okuvela kule sayithi kuvela ezinkampanini ezisinxephezela. Lesi sinxephezelo singaba nomthelela wokuthi imikhiqizo ivela kanjani futhi kuphi kuleli sayithi, okuhlanganisa, isibonelo, ukuhleleka okungahle kuvele ngayo phakathi kwezigaba zokufakwa ohlwini. Kodwa lesi sinxephezelo asinamthelela kulwazi esilushicilelayo, noma izibuyekezo ozibona kule sayithi. Asibandakanyi indawo yonke yezinkampani noma izinhlinzeko zezimali ezingatholakala kuwe.
Siyisevisi yokuqhathanisa ezimele, esekelwa ukukhangisa. Umgomo wethu uwukusiza wenze izinqumo zezezimali ezihlakaniphile ngokukunikeza amathuluzi asebenzisanayo nezibali zezezimali, ukushicilela okuqukethwe koqobo nokunenhloso, futhi sikuvumele ukuthi wenze ucwaningo futhi uqhathanise ulwazi mahhala, ukuze ukwazi ukwenza izinqumo zezezimali ngokuzethemba.
Thenga indlu ngaphandle kwe-mortgage
Awukwazi ukunquma ukuthi uzowuthenga yini umuzi ngokheshi noma uthathe imali yokuboleka? Ukuphepha kungenye yezinzuzo eziyinhloko zokukwazi ukuthenga indlu ngokheshi. Uyazi ukuthi indawo ngeyakho ngo-100% futhi awucindezelwa yizinkokhelo zenyanga zezindlu. Kodwa uma kuziwa endabeni eqashisayo, izinto eziza kuqala kuwe cishe zizohluka kancane, futhi ukuthenga umuzi ngemali akuyona indlela engcono kakhulu yokuqinisekisa imbuyiselo ephezulu kakhulu ekutshaleni kwakho.
Kungakhathaliseki ukuthi ungumnikazi wesakhiwo noma ukhokha idiphozithi futhi uthatha imali ebolekiwe yasebhange, ukukhula kwekhephithali kungokwakho (kususe noma iyiphi intela yenzuzo enkulu efunekayo). Ngakho-ke uma une-mortgage, uyahlomula ekukhuleni kwemali yebhange kanye neyakho. Lokhu kusho ukuthi ungenza inzuzo ephezulu kakhulu ngokuhlukanisa ukulingana kwakho phakathi kwezakhiwo ezimbalwa, kunokutshala konke endaweni eyodwa.
Ngisho noma ucabanga ukuthi wonga imali enkulu futhi ukhulisa izinzuzo zakho zokuqasha nyanga zonke ngokungakhokhi imali yendlu, uma unezindawo eziningi, ngokusobala uzothola irenti eyengeziwe.
Σχόλια
Ungase ube nohlobo oluthile lwesikweletu, kungakhathaliseki ukuthi yimali mboleko yabafundi, isikweletu sekhadi lesikweletu, noma enye into. Kodwa-ke, uma usendleleni yokungabi nazikweletu, kungase kube yisikhathi sokucabanga ngokutshala imali ekhaya.
Amaphuzu akho esikweletu adlala indima ebalulekile ekhonweni lakho lokuthola imali ebolekiwe. Imvamisa iba ngaphansi uma uqala umsebenzi wakho noma lapho usanda kuphothula enyuvesi. Njengoba ukhokha izikweletu zakho futhi uzibonakalise ungumboleki onokwethenjelwa ngokuhamba kwesikhathi, amaphuzu akho esikweletu azokhuphuka. Uyafaneleka ukuthola imali ebolekiwe eminingi enamaphuzu esikweletu okungenani angama-620.
Ngokuphambene nenkolelo evamile, awudingi inkokhelo ephansi engu-20% ukuze uthenge ikhaya. Manje sekungenzeka ukuthi uthenge indlu ngenkokhelo ephansi engu-3% yemali mboleko evamile noma inkokhelo ephansi engu-3,5% yemali mboleko ye-Federal Housing Administration (FHA). Ungase ufaneleke ngisho nokubolekwa imali yamaVeterans Affairs (VA) noma uMnyango Wezolimo wase-US (i-USDA) ngaphandle kwenkokhelo ephansi.
Ezimweni eziningi, uzothola ukuthi uyazuza uma uletha inkokhelo ethe xaxa etafuleni lokuvala. Inkokhelo ephansi engu-20% izokuvumela ukuba ugweme ukukhokha umshuwalense we-private mortgage (PMI). I-PMI ivikela umbolekisi wakho uma uhluleka ukuboleka imali. Ababolekisi abaningi bafuna ukuthi ukhokhe i-PMI uma ungabeki phansi u-20% emalini oyibolekile. Ungagcina izinkulungwane zamadola ezindlekweni zomshwalense ngokuhamba kwesikhathi ngenkokhelo ephansi eqinile. Kungase kube yisikhathi sokutshala imali enkokhelweni ephansi uma unayo imali elondoloziwe.
Kungaba yini isici esibi sokuthenga indlu ngokheshi esikhundleni se-mortgage?
Ukulungela ukukhokha ukheshi kungakunikeza ithuba nabathengisi abagqugquzelekile abamagange ukuvala isivumelwano, kodwa kungakusiza nabathengisi abasezimakethe zezindlu ezithengiswayo lapho i-inventory iqinile futhi amabhidi angase aqhudelane ngesakhiwo.
Isinyathelo sokuqala sokuthenga indlu ngokheshi, yiqiniso, ukuyithola. Ngaphandle uma unemali engaka ebhange, kungase kudingeke uqedele okunye ukutshalwa kwezimali bese udlulisela leyo mali ku-akhawunti yakho yasebhange. Khumbula ukuthi ukuthengisa izibambiso owenze inzuzo kuzo kuzodala ukuthi ukhokhe intela yenzuzo enkulu.
1. Ungumthengi okhanga kakhulu. Umthengisi owaziyo ukuthi awuhlelile ukufaka isicelo semali mboleko cishe uzokuthatha ngokungathi sína kakhulu. Inqubo yokubolekwa kwezindlu ingase idle isikhathi, futhi kuhlale kunethuba lokuthi umenzi wesicelo anganqatshwa, isivumelwano sizophumelela, futhi umdayisi kuyodingeka aqale phansi, kusho uMari Adam, umhleli wezezimali oqinisekisiwe eBoca Raton, eFlorida.
2. Ungathola idili elingcono. Njengoba imali ikwenza ube umthengi okhangayo, iphinde ikubeke esimeni esingcono sokuxoxisana. Ngisho nabathengisi abangakaze bezwe inkulumo ethi "isikhathi senani lemali" bazoqonda ngokunembile ukuthi lapho bethola imali yabo ngokushesha, bangayitshala ngokushesha noma bayisebenzise kwenye indawo.
