Ngingalikhipha kanjani igama lami embotsheni ne-ex yami
Kubalulekile ukuqonda imiphumela yalokho okungenzeka uma igama elisesihlokweni sendlu lingekho emalimboleko yendlu. Ukuqonda izindima nezibopho zabo bonke abathintekayo kungasiza ukugwema ukungqubuzana nokudideka okuzayo.
Ukushiya igama lomuntu kwi-mortgage ngokobuchwepheshe kumkhiphile ekuzibophezeleni kwezezimali ngesikweletu. Nokho, kubalulekile ukuqaphela ukuthi ibhange lingafuna inkokhelo kunoma yimuphi umnikazi uma ikhaya libhekene nokudliwa. Nakuba kungeke kuthinte isikweletu sakho uma ungeyena umuntu oboleka indlu, ibhange lingakwazi ukuphinde lidle indawo uma inkokhelo yemalimboleko ingenziwanga. Lokhu kungenxa yokuthi ibhange linesibopho somthetho wekhaya.
Ngamanye amazwi, uma ufuna ukuqhubeka nokuhlala endlini, kuyodingeka uqhubeke ukhokha lezo zinkokhelo zezindlu uma lowo muntu osohlwini lwendlu engakwenzi, ngisho noma ungaphoqelekile ukuba ubhale incwadi ye-mortgage. Uma kungenjalo, ibhange lingakwazi ukuphinde lidle indlu. Uma uba nguwena kuphela umuntu onesibopho sokukhokha ngokuzayo, ungaxhasa ngezimali indlu egameni lakho.
Uma igama lami liku-deed kodwa lingekho kwi-mortgage, ngingakwazi yini ukubuyisela imali?
Uma ungathanda ukuthi igama lakho lisuswe embotsheni, kungase kube noshintsho olukhulu empilweni yakho. Kungakhathaliseki ukuthi isehlukaniso, ukuhlukana komshado, noma nje isifiso sokuba nesikweletu egameni lomuntu oyedwa ukuze omunye abe nokuguquguquka okwengeziwe ngokwezimali, izimo zishintshe ngokusobala uma kuqhathaniswa nesikhathi lapho kukhishwa khona imali yokuthenga indlu. Impela, ukukhipha imali ebolekiwe ndawonye kube nezinzuzo ezithile ezicacile, njengokusebenzisa imali engenayo yomibili uma unquma ukuthi ungathola malini kanye/noma usebenzisa amaphuzu ezikweletu zabantu ababili ukuze wehlise izinga lakho lenzalo. Ngaleso sikhathi kwakunengqondo, kodwa impilo iyenzeka futhi manje, nganoma yisiphi isizathu, unqume ukuthi sekuyisikhathi sokususa umuntu emalini ebolekiwe. Eqinisweni, akuyona inqubo elula emhlabeni, kodwa nazi izinyathelo nokucatshangelwa ukukusiza ukuthi ufike lapho.
Into yokuqala ukukhuluma nombolekisi wakho. Bakugunyaze kanye futhi kungenzeka babe nolwazi olujulile lwezimali zakho ukuze banqume ukuthi bafuna ukukwenza futhi. Kodwa-ke, ubacela ukuthi baphathise inkokhelo yakho ye-mortgage kumuntu oyedwa esikhundleni sababili, bakhulise isikweletu sabo. Ababoleki abaningi abaqapheli ukuthi bobabili abantu ababolekiwe banesibopho saso sonke isikweletu. Isibonelo, emalini ebolekiwe engu-$300.000, akufani nokuthi bobabili abantu banesibopho se-$150.000. Bobabili banesibopho sayo yonke i-$ 300.000. Uma omunye wenu engakwazi ukukhokha, omunye usenesibopho sokukhokha yonke imali ebolekiwe. Ngakho-ke uma umbolekisi esanda kususa igama elilodwa emalini ebolekiwe yamanje, oyedwa wenu uzobe engasekho. Njengoba kungenzeka ukuthi usuqagelile, ababolekisi ngokuvamile abahambisani nokwenza lokhu.
Uma igama lami lisesibambiso kuba uhhafu wami
Kunezizathu eziningi zokusayina imali mboleko nomlingani othandana naye, umngane, ilungu lomndeni, noma ozakwethu bebhizinisi lapho uthenga indawo eCalifornia ndawonye. Umqondo wokuba ngabanikazi ngokuhlanganyela noma ukusiza umuntu afanelekele ukubolekwa imali ungase ubonakale uwumqondo omuhle ekuqaleni, kodwa ungaholela ezinkingeni uma unquma ukuhlehla emalini eboshiwe noma ufuna ukuqeda ubunikazi bokubambisana. ubuhlobo. Ubudlelwano bungase buwohloke ngokuhamba kwesikhathi noma ungase ukhathazeke ngezindlela zezimali zomunye wabanikazi bakho ukuze ukhokhe imali ebolekiwe. Ungase ufune ukutshala imali endaweni yakho, kodwa awukwazi ukubolekwa endaweni yesibili ngoba usuvele unesibopho sesikweletu ekuqaleni. Ungase ufune ukwenza ukulingana ekhaya lakho eliyigugu laseCalifornia, kodwa oboleka naye uyenqaba ukulithengisa. Umbiko wakho wesikweletu ungase ubonise okuzenzakalelayo noma amaphuzu akho esikweletu aphansi kunalokho obekungaba njalo ngenxa yokuthi lowo oboleka naye akayikhokhi imali yendlu ngesikhathi.
Kunengqondo ukuthi lowo oboleka naye angathanda ukuthi uqhubeke nemali mboleko, kodwa uthola yiphi inzuzo? Phela awutholi nzuzo kulesi sakhiwo, kodwa lowo oboleka naye usebenzisa imali yakho elinganayo ukuze athole imali ebolekiwe enesaphulelo. Ukuba nawe kwi-mortgage kunikeza ababolekisi isibambiso sokwazi ukuthi omunye umuntu unesibopho sesamba esiphelele semali mboleko uma kwenzeka lowo obolekayo ehluleka ukukhokha imali ebolekiwe. Ngokuzikhipha emalini ebolekiwe, umthwalo wayo yonke imali ebolekiwe uwela kubaboleki osebenza naye, into ibhange noma lowo obambisane naye abangajabuli ngayo.
Kubiza malini ukukhipha umuntu emalini ebolekiwe?
Ama-mortgage brokers ethu angochwepheshe bezinqubomgomo zababolekisi abangaphezu kuka-40, okuhlanganisa namabhange nezinkampani zezezimali ezikhethekile. Siyazi ukuthi yibaphi ababolekisi abazogunyaza imali yakho yokubolekwa kwendlu, noma eyokukhokhela isehlukaniso noma ukukhokhelwa kwempahla.
Awukwazi "ukuthatha izintambo" noma ukuhoxisa kwi-mortgage. Ngenkathi kwamanye amazwe ungathatha imali yokuthenga indlu yomunye umuntu noma ukhiphe othile esivumelwaneni se-mortgage, e-Australia lokhu akuvunyelwe.
Futhi siyakwazi ukufinyelela kubabolekisi abakhethekile abangacabangela isimo sakho, kungakhathaliseki ukuthi zingaki izinkokhelo ezigejiwe! Nokho, kufanele ubonise ukuthi ukwazile ukukhokhela lezo mbuyiselo ngisho noma ungazange uzenze.
“…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.”
