Ababolekisi bezindlu ezingcono kakhulu eduze kwami
Khumbula ukuthi amanani ahlukile kumboleki ngamunye. Ngakho-ke kuzodingeka uqhathanise ababolekisi abahlukahlukene ukuze uthole idili lakho elingcono kakhulu. Izinga lemali ebolekiwe elingcono kakhulu lingase liphume noma lingaveli kwenye yezinkampani ezisohlwini.
Khumbula ukuthi amanani ayahluka ukusuka komboleki kuye kuye kuboleki futhi izinga lakho eliphansi kungenzeka noma lingaphumi kumabolekisi akulolu hlu. Ababoleki kufanele baqhathanise okunikezwayo okuvela okungenani kubabolekisi abathathu noma abahlanu ukuze bathole izinga labo lemali yezindlu ezingcono kakhulu.
Kodwa-ke, amanani omlando wemali ebolekiwe angaba umhlahlandlela owusizo wokukusiza ukuthi uthole amabhange anesilinganiso esiphansi samazinga emali ebolekiwe. Uhlu olungezansi luyisiqalo esihle uma ufuna inzalo engcono kakhulu yemali mboleko yakho entsha.
Isilinganiso sesilinganiso seminyaka engu-30 semali mboleko (2021)I-FREEDOM MORTGAGE CORPORATION2,66%BANK OF AMERICA2,80%AMAVETERANS UNITED HOME LOANS*2,86%BETTER MORTGAGE CORPORATION2. 86%PENNYMAC2.87%AMERISAVE MORTGAGE CORPORATION2.90%NAVY FEDERAL CREDIT UNION*2.93%IPHUZU LASEKHAYA INKAMPANI YEZIMALI2.94%LOANDEPOT.COM2.99%CALIBER HOME LOANS, INC.2%99 .3.00%CALIBER HOME LOANS, INC.3.01%. INC.3.01%CITIZENS BANK3.02%CHASE BANK3.06%NEWREZ LLC3.08%PNC BANK3.08%LAKEVIEW LOAN SERVICING, LLC3.08%UMxhaso OMSHA WASE-AMERICAN3.09%GUILD MORTGAGE COMPANY3.10%CARDINAL%MPINANCAYO. MOVEMENT MORTGAGE, LLC3.12%UMR. I-COOPER3.13%WELLS FARGO3.14%CROSSCOUNTRY MORTGAGE, INC.3.16%FAIRWAY INDEPENDENT MORTGAGE CORPORATION3.18%FLAGSTAR BANK, FSB3.19%VANDERBILT MORTGAGE NEZEZIMALI, INC.3.26%3.28%3.59%XNUMX BANKIST.
Ababolekisi bezindlu ezinhle kakhulu ngesikweletu esibi
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.
I-Personal Finance Insider ibhala ngemikhiqizo, amasu, namathiphu angakusiza wenze izinqumo ezihlakaniphile ngemali yakho. Singathola ikhomishini encane kozakwethu, njenge-American Express, kodwa imibiko yethu nezincomo zihlala zizimele futhi zinenjongo. Imigomo iyasebenza kokunikezwayo okuvela kuleli khasi. Funda imihlahlandlela yethu yokuhlela.
*Inani elincane lezikolo zezikweletu ezemalimboleko evumelanayo, noma imali ebolekiwe ye-Navy Federal kanye ne-Veterans United VA. Uma ufaneleka ukuthola olunye uhlobo lwemali mboleko, ungase ukwazi ukuthola imali mboleko enamaphuzu aphansi Ababolekisi Bezindlu Ezinhle Kakhulu May 2022 Ukukhetha umbolekisi wendlu ofanele kudlala indima ebalulekile ekutholeni isivumelwano esingcono kakhulu semali mboleko yakho. Ababolekisi abakhethiwe abakunikeza izinhlobo ezihlukahlukene zezindlu ezibolekiwe futhi bathole i-A+ evela kuBusiness Business Bureau, ngaphandle kwe-Navy Federal Credit Union, Chase, kanye ne-Guild Mortgage. I-Navy Federal inesilinganiso se-NR. I-Chase ine-B- futhi i-Guild Mortgage inesilinganiso esingu-A esivela ku-BBB. Eziningi zezinto esizikhethayo eziphezulu nazo zihamba phambili ekwanelisekeni kwamakhasimende futhi zamukela ezinye izindlela zekhredithi uma ungenayo.
Ibhange elingcono kakhulu lokuthola imali mboleko
Siyisevisi yokuqhathanisa ezimele, esekelwa yizikhangiso. 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.
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.
Ababolekisi be-mortgage abahamba phambili be-inthanethi
I-Coventry, Principality kanye ne-Yorkshire Building Societies ziphakathi kwababolekisi bezindlu eziphezulu ezilinganisweni zethu ezizimele. Skrolela phansi ukuze uqhathanise ababolekisi bezindlu zase-UK futhi ubone ukuthi kungani. Uma uqhathanisa imali mboleko, akuzona nje izinkokhelo nezilinganiso zenzalo okufanele uzicabangele, ngoba ikhwalithi yesevisi yamakhasimende yombolekisi nayo ibalulekile .
Le nkampani ibilokhu isemathebeni amathathu aphezulu ezindlu ezibolekwayo ze-Fairer Finance kusukela adalwa ngo-2014 futhi inomphumela osobala ophezulu kakhulu embonini. Lokhu kusho ukuthi iyona ecace kakhulu kumakhasimende ayo ngazo zonke izindleko ezihilelekile ekutholeni inkontileka yezindlu zabo.
Lo mphakathi wokwakha ozinze e-Cardiff uyingxenye yenethiwekhi ye-Wales, kodwa akudingekile ukuba uhlale e-Wales ukuze uzuze kusevisi yawo yamakhasimende enhle kakhulu. NjengoCoventry, nayo inomlando omuhle kakhulu wezimangalo.
I-ejenti izokwazi futhi ukuncoma umbolekisi okungenzeka kakhulu ukuthi amukele isicelo sakho. Izicelo ezinqatshiwe zingabiza kakhulu uma uzikhokhele izimali kusengaphambili futhi ungaba sengcupheni yokulahlekelwa indawo ofuna ukuyithenga.
